FWD vBooster Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00069-06-000-02. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$1,986 |
| 45 | HK$2,960 |
| 60 | HK$6,377 |
| 75 | HK$18,944 |
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 | No coverage for the first 30 days of the first Policy Year, full coverage from 31st day of the first Policy Year onwards p.27 |
| Waiting period | 30 days for pre-existing conditions unknown at application p.27 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period; after cooling-off, cancellation with 30 days' notice if no benefit payment in policy year p.6 |
| Switching from another plan | Policyholder can switch to another insurance plan with upgraded/added benefits (subject to re-underwriting for new benefits) or downgraded/reduced benefits (at company's discretion) p.18 |
| Room class | Standard Ward Room p.70 |
| If a higher room is used | If voluntarily confined in a higher ward class, a ward class adjustment factor is applied: 50% for Standard Semi-private Room, 25% for Standard Private Room, 12.5% for Above Standard Private Room. 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.70 |
| Emergency treatment abroad | Worldwide p.70 |
| Full cover on core benefits | yes p.72 |
| Annual limit | 8000000 p.70 |
| Lifetime limit | none p.70 |
| Deductible options | 180000 p.70 |
| How the deductible applies | Per Policy Year, with a one-off right to reduce or remove deductible without re-underwriting at ages 50, 55, 60, 65, 70, 75, or 80, if continuously covered for 2 years. p.70 |
| Coinsurance | none p.71 |
| Pre-admission outpatient | 3 visits or emergency consultations per confinement/day case procedure p.71 |
| Post-discharge outpatient | 20 follow-up outpatient visits within 90 days after discharge/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 basic benefit) 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 benefit for inpatient and outpatient dialysis p.72 |
| Day case procedures | Covered as in-patient; cash benefit of HKD1,600 for designated procedures or HKD800 for other procedures p.23 |
| Home nursing | Full cover, maximum 196 days per policy year (within 196 days after discharge from hospital following surgery or ICU admission) p.72 |
| Hospice care | 100000 per Policy Year p.72 |
| Chinese medicine | HKD600 per visit, maximum 15 follow-up outpatient visits per confinement/day case procedure (within 90 days) p.72 |
| Physiotherapy | Covered under pre- and post-confinement outpatient care; HKD100,000 per policy year for rehabilitation treatment; covered for stroke ancillary benefit p.71 |
| Congenital conditions | not stated |
| Pregnancy complications | Full cover for specified 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.72 |
| Hospital cash | HKD800 per day for top-up subsidy (max 60 days); HKD1,600 per confinement for ICU in Hong Kong p.72 |
| Companion bed | Full cover p.72 |
| Direct billing and pre-authorisation | Available for designated Day Case Procedures through a network of Designated Healthcare Services Providers p.51 |
| No-claim discount | 10% discount on renewal premium after 2 consecutive claim-free years, increasing to 15% after 5 or more consecutive claim-free years p.53 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; traditional Chinese medicine and other alternative treatments (with exceptions); expenses reimbursed by other parties p.29 |
At a constant age of 45, FWD has filed 2 schedule changes on this plan since 2021, an average of +0.3% a year, taking the premium from HK$2,932 to HK$2,960.
| Year | Change |
|---|---|
| 2024 | no change |
| 2025 | -2.0% |
| 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.