FWD vPrime Signature Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00070-01-000-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$11,882 |
| 45 | HK$16,665 |
| 60 | HK$33,968 |
| 75 | HK$85,029 |
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 | Semi-private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$15,000,000 |
| 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, home nursing, a companion bed, hospital cash, rehabilitation, hospice care, kidney dialysis, reconstructive surgery, 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.14 |
|---|---|
| Pre-existing conditions unknown at application | 0% for first 30 days of Policy Year 1, 100% from 31st day of Policy Year 1 p.24 |
| Waiting period | 90 days for deductible waiver on designated crises if known; 12 months for pregnancy complications p.41 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period (if no benefits paid); after cooling-off, cancellation requires 30 days notice if no benefits paid, refund not specified p.5 |
| Switching from another plan | Switching to a plan with upgraded/added benefits is subject to re-underwriting for those benefits; switching to a plan with downgraded/reduced benefits is at company's discretion without re-underwriting p.15 |
| Room class | Standard Semi-private Room (HK, Macau, Mainland China); Standard Private Room (rest of Asia or worldwide emergency) p.64 |
| If a higher room is used | 50% adjustment factor for Standard Semi-private to Standard Private; 25% for Standard Semi-private to Above Standard Private; 25% for Standard Private to Above Standard Private p.52 |
| Geographical cover | Asia (as defined in the document) p.55 |
| Psychiatric treatment area | Hong Kong only p.20 |
| Emergency treatment abroad | Worldwide p.64 |
| Full cover on core benefits | yes p.64 |
| Annual limit | HKD15,000,000 p.64 |
| Lifetime limit | none p.64 |
| Deductible options | 0 p.64 |
| How the deductible applies | Per Policy Year p.28 |
| Coinsurance | none p.28 |
| Pre-admission outpatient | Full cover for all prior outpatient visits/emergency consultations within 31 days before admission (1 visit/day); Full cover for one prior outpatient visit/emergency consultation more than 31 days before admission p.65 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge (1 visit/day) p.65 |
| General outpatient | none |
| Psychiatric treatment | HKD40,000 per Policy Year p.65 |
| Diagnostic imaging coinsurance | none p.65 |
| 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.65 |
| 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.66 |
| Day case procedures | Covered as in-patient. Cash benefit of HKD3,600 per designated procedure at designated provider/mainland China, or HKD1,800 per other procedure p.21 |
| Home nursing | Full cover, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or ICU admission) p.66 |
| Hospice care | HKD100,000 per Policy Year p.66 |
| Chinese medicine | HKD600 per visit, maximum 15 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge) p.67 |
| Physiotherapy | Full cover during Confinement and for pre/post-Confinement/Day Case outpatient care; HKD1,000 per visit, max 30 visits per Policy Year for stroke ancillary benefit p.21 |
| Congenital conditions | Covered if unknown at application: 0% for first 30 days of Policy Year 1, 100% from 31st day of Policy Year 1 p.24 |
| Pregnancy complications | Full cover for specified complications, subject to 12-month waiting period from Policy Effective Date p.41 |
| Emergency dental | Full cover for emergency treatment to sound natural teeth due to injury, within 3 months of accident p.45 |
| Hospital cash | HKD1,000 per day (max 60 days/year) for top-up subsidy; HKD1,700 per day (max 30 days/year) for lower room class in HK private hospital; HKD8,000 per confinement for ICU in HK p.46 |
| Companion bed | Full cover p.67 |
| Direct billing and pre-authorisation | Available for designated Day Case Procedures at Designated Healthcare Services Providers via service hotline p.47 |
| No-claim discount | 10% for 2-4 consecutive claim-free years, 15% for 5+ consecutive claim-free years; extra discount for multiple policies p.48 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); Birth control, sterilisation, sex re-assignment; Purchase of durable medical equipment p.26 |
At a constant age of 45, FWD has filed 1 schedule change on this plan since 2021, an average of +0.0% a year, taking the premium from HK$16,659 to HK$16,665.
| Year | Change |
|---|---|
| 2024 | no change |
| 2025 | no change |
| 2026 | no change |
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.