FWD vBooster Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00069-05-000-02. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$2,236 |
| 45 | HK$3,354 |
| 60 | HK$7,208 |
| 75 | HK$21,626 |
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 | 0% for first 30 days of Policy Year 1, 100% from day 31 of Policy Year 1 p.27 |
| Waiting period | 30 days for unknown pre-existing conditions; 90 days for deductible waiver for designated crises p.27 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period; no refund after cooling-off period if benefits paid in policy year p.6 |
| Switching from another plan | Switching to a plan with upgraded/added benefits is subject to re-underwriting limited to the new benefits; switching to a plan with downgraded/reduced benefits does not require re-underwriting but is subject to company discretion p.19 |
| Room class | Standard Ward Room p.70 |
| If a higher room is used | If voluntarily confined in a higher ward class: Standard Semi-private Room (50% of eligible expenses), Standard Private Room (25%), Above Standard Private Room (12.5%) 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, full cover p.70 |
| Full cover on core benefits | yes p.70 |
| Annual limit | 8000000 p.70 |
| Lifetime limit | none p.70 |
| Deductible options | 100000 p.70 |
| How the deductible applies | Per Policy Year; one-off right to reduce or remove deductible without re-underwriting at ages 50, 55, 60, 65, 70, 75, or 80 p.70 |
| Coinsurance | none |
| Pre-admission outpatient | 3 visits per Confinement/Day Case Procedure, full cover p.71 |
| Post-discharge outpatient | 20 visits per Confinement/Day Case Procedure within 90 days, full cover 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 basic 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 cover p.72 |
| Day case procedures | Cash benefit of HKD1,600 for designated procedures at designated providers/mainland China, HKD800 for others; once per day p.73 |
| Home nursing | Full cover, maximum 196 days per Policy Year within 196 days after discharge, subject to 1 Registered Nurse per day p.72 |
| Hospice care | 100000 p.72 |
| Chinese medicine | HKD600 per visit, maximum 15 visits per Confinement/Day Case Procedure within 90 days, 1 visit per day p.72 |
| Physiotherapy | Full cover during confinement; included in 20 post-discharge outpatient visits; HKD100,000 per Policy Year for rehabilitation treatment; HKD1,000 per visit, max 30 visits/HKD100,000 per incident for stroke ancillary benefit p.24 |
| Congenital conditions | Covered as Pre-existing Condition(s) unknown at application: 0% for first 30 days of Policy Year 1, 100% from day 31 of Policy Year 1 p.27 |
| Pregnancy complications | Full cover for listed complications, provided diagnosis is at least 12 months after Policy Effective Date p.72 |
| Emergency dental | Full cover for emergency treatment to sound natural teeth due to injury, within 3 months of accident p.73 |
| Hospital cash | HKD1,600/HKD800 per Day Case Procedure; HKD800 per day for top-up subsidy (max 60 days/year); HKD800/HKD1,600 per major/complex surgery; HKD1,600 per confinement for ICU stay of at least 3 days p.73 |
| Companion bed | Full cover p.72 |
| Direct billing and pre-authorisation | Available through Designated Healthcare Services Providers network for designated Day Case Procedures p.51 |
| No-claim discount | 10% for 2-4 consecutive claim-free years, 15% for 5+ consecutive claim-free years p.53 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances (unless specified in enhanced benefits) 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$3,347 to HK$3,354.
| Year | Change |
|---|---|
| 2024 | no change |
| 2025 | -2.7% |
| 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.