FWD vBooster Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00069-04-000-02. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$2,601 |
| 45 | HK$3,901 |
| 60 | HK$8,192 |
| 75 | HK$25,148 |
Female non-smoker, the plan currency, before levy. Age is the only thing that changes down this table; it is the plan's own filed schedule, not a quotation.
| Room | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$8,000,000 |
| Lifetime limit | None |
| Room and board | Paid in full |
| Hospital charges | Paid in full |
| Doctor's visits | Paid in full |
| Specialist fees | Paid in full |
| Intensive care | Paid in full |
| Surgeon's fee | Paid in full |
| Anaesthetist | Paid in full |
| Operating theatre | Paid in full |
| Diagnostic imaging | Paid in full |
| Non-surgical cancer treatment | Paid in full |
| Outpatient before and after | As stated in the schedule |
| Psychiatric treatment | HK$40,000 |
Also includes dental, maternity, a companion bed, hospital cash, rehabilitation, hospice care, kidney dialysis, reconstructive surgery, the deductible waived for critical conditions, a death benefit.
Read from the certified Terms and Benefits. Each page link opens that page of the filed document. Fields the document does not state are left out.
| Guaranteed renewal to age | 100 p.17 |
|---|---|
| Pre-existing conditions unknown at application | First 30 days of the first Policy Year no coverage; 31st day of the first Policy Year onwards full coverage p.27 |
| Waiting period | 90 days for deductible waiver for designated crises; 12 months for pregnancy complications p.44 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefits paid. After cooling-off, cancellation with 30 days' notice if no benefits paid, but premium is not refundable. p.6 |
| Switching from another plan | Switching to another plan with upgraded benefits is subject to re-underwriting for the upgraded benefits. Switching to a plan with downgraded benefits does not require re-underwriting but is subject to company discretion. p.18 |
| Room class | Standard Ward Room p.70 |
| If a higher room is used | If a higher ward class is voluntarily chosen: Standard Semi-private Room 50% of eligible expenses; Standard Private Room 25% of eligible expenses; Above Standard Private Room 12.5% of eligible expenses p.56 |
| Geographical cover | Asia (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, Mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam) p.70 |
| Psychiatric treatment area | Hong Kong only p.56 |
| Emergency treatment abroad | Worldwide p.70 |
| Full cover on core benefits | yes p.71 |
| Annual limit | 8000000 p.70 |
| Lifetime limit | none p.70 |
| Deductible options | 0, 50000 p.61 |
| How the deductible applies | Per Policy Year, with a one-off right to reduce or remove at ages 50, 55, 60, 65, 70, 75, or 80 without re-underwriting p.55 |
| Coinsurance | none |
| Pre-admission outpatient | Full cover for 3 prior outpatient visits or emergency consultations per confinement/day case procedure p.71 |
| Post-discharge outpatient | Full cover for 20 follow-up outpatient visits per confinement/day case procedure within 90 days after discharge or completion of day case procedure p.71 |
| General outpatient | none |
| Psychiatric treatment | 40000 p.71 |
| Diagnostic imaging coinsurance | none p.71 |
| Non-surgical cancer treatment | Full cover, with an additional benefit of HKD2,000,000 per policy year for expenses in excess of the basic full cover p.71 |
| Kidney dialysis | Full cover for outpatient kidney dialysis; additional benefit of HKD2,000,000 per policy year for expenses in excess of basic full cover for kidney dialysis incurred during confinement and outpatient kidney dialysis p.72 |
| Day case procedures | Covered as day patient procedures. Cash benefit of HKD1,600 per procedure for designated day case procedures at designated providers or in mainland China; HKD800 per procedure for other day case procedures p.49 |
| Home nursing | Full cover for post-confinement home nursing by a Registered Nurse, maximum 196 days per policy year (within 196 days after discharge from hospital) p.43 |
| Hospice care | HKD100,000 per policy year for stay in a registered hospice for terminal illness, if commenced within 90 days of hospital discharge p.43 |
| Chinese medicine | HKD600 per visit for post-confinement/day case procedure Chinese medicine treatment, maximum 15 visits per confinement/day case procedure (within 90 days after discharge) p.44 |
| Physiotherapy | HKD100,000 per policy year for rehabilitation treatment in a registered rehabilitation centre within 90 days of hospital discharge; for stroke, HKD1,000 per visit, max 30 visits/policy year, max HKD100,000 per incident for physiotherapy, occupational therapy, speech therapy, chiropractic treatment p.41 |
| Congenital conditions | Covered from 31st day of the first policy year if unknown at application p.27 |
| Pregnancy complications | Full cover for surgical procedures during confinement or day case for listed complications, subject to 12-month waiting period p.44 |
| Emergency dental | Full cover for emergency treatment to sound natural teeth due to injury, if treated within 3 months of accident p.49 |
| Hospital cash | HKD800 per day of confinement (max 60 days/policy year) if covered by other plans; HKD1,600 per confinement for ICU stay of at least 3 consecutive days in Hong Kong p.50 |
| Companion bed | Full cover for an extra companion bed p.44 |
| Direct billing and pre-authorisation | Available for designated day case procedures at Designated Healthcare Services Providers via reservation through service hotline p.49 |
| No-claim discount | 10% for 2-4 consecutive claim-free years, 15% for 5+ years; extra discount of 2.5% for 2-3 eligible policies, 5% for 4 policies, 10% for 5+ policies p.53 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.29 |
At a constant age of 45, FWD has filed 2 schedule changes on this plan since 2021, an average of +0.1% a year, taking the premium from HK$3,891 to HK$3,901.
| Year | Change |
|---|---|
| 2024 | no change |
| 2025 | -2.6% |
| 2026 | +3.0% |
A record of what has been filed, not a forecast of what you will pay.
Private hospitals publish what they billed for common operations. These pages take those bills and work out what a plan pays of them.
Every procedure with published bills
The certified plan document as filed, on the Health Bureau's VHIS site.