FWD vPrime Signature Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00070-02-000-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$5,613 |
| 45 | HK$8,000 |
| 60 | HK$16,849 |
| 75 | HK$42,787 |
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, 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.14 |
|---|---|
| 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.24 |
| Waiting period | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period (no benefit payment). After cooling-off, cancellation with 30 days' written notice, provided no benefit payment in relevant Policy Year. p.5 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits is subject to re-underwriting limited to the upgrade/addition. Switching to a plan with downgraded/reduced benefits does not involve re-underwriting but is subject to company discretion. p.15 |
| Room class | Standard Semi-private Room in Hong Kong, Macau or Mainland China; Standard Private Room in Asia (excluding HK, Macau, Mainland China) or outside Asia for Emergency Treatment p.64 |
| If a higher room is used | If voluntarily confined in a higher ward class, a ward class adjustment factor is applied: Standard Semi-private Room to Standard Private Room (50% payable), Standard Semi-private Room to Above Standard Private Room (25% payable), Standard Private Room to Above Standard Private Room (25% payable). p.52 |
| 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.64 |
| Psychiatric treatment area | Hong Kong only p.51 |
| Emergency treatment abroad | Worldwide p.64 |
| Full cover on core benefits | yes p.65 |
| Annual limit | 15,000,000 p.64 |
| Lifetime limit | none p.64 |
| Deductible options | 0, 16000 p.56 |
| 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. p.64 |
| Coinsurance | none p.65 |
| Pre-admission outpatient | All prior outpatient visits or Emergency consultations within 31 days before admission or Day Case Procedure (subject to 1 visit per day); One prior outpatient visit or Emergency consultation more than 31 days before admission or Day Case Procedure. p.65 |
| Post-discharge outpatient | All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (subject to 1 visit per 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 benefit p.65 |
| Kidney dialysis | Full cover for outpatient kidney dialysis and kidney dialysis during Confinement, with an additional benefit of HKD2,000,000 per Policy Year for expenses in excess of basic benefit p.66 |
| Day case procedures | Covered as in-patient. Cash benefit of HKD3,600 per procedure for designated Day Case Procedures at Designated Healthcare Services Provider or in mainland China; HKD1,800 per procedure for other Day Case Procedures. p.21 |
| Home nursing | Full cover, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or admission to Intensive Care Unit), subject to 1 Registered Nurse per day. 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 or completion of Day Case Procedure), subject to 1 visit per day. p.67 |
| Physiotherapy | Covered during Confinement under Miscellaneous charges (Full cover). Rehabilitation treatment up to HKD100,000 per Policy Year. Stroke ancillary benefit covers physiotherapy/chiropractic at HKD1,000 per visit, max 30 visits per Policy Year, subject to HKD100,000 per Incident. p.21 |
| Congenital conditions | Covered from 31st day of the first Policy Year if unknown at application. p.24 |
| Pregnancy complications | Full cover for specified pregnancy complications, provided diagnosis is at least 12 months after Policy Effective Date. p.67 |
| Emergency dental | Full cover for Emergency Treatment to sound natural teeth due to Injury, if treated within 3 months of Accident. p.67 |
| Hospital cash | HKD1,700 per day of Confinement, maximum 30 days per Policy Year, for using a room below entitled ward class in a private Hospital in Hong Kong. p.68 |
| Companion bed | Full cover p.66 |
| Direct billing and pre-authorisation | Available for designated Day Case Procedures through a service hotline with Designated Healthcare Services Providers. p.47 |
| No-claim discount | Yes, 10% for 2-4 consecutive no-claim years, 15% for 5+ years. Extra discount for multiple policies: 2.5% for 2-3 policies, 5% for 4 policies, 10% for 5+ policies. p.48 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.26 |
At a constant age of 45, FWD has filed 1 schedule change on this plan since 2021, an average of -0.2% a year, taking the premium from HK$8,052 to HK$8,000.
| Year | Change |
|---|---|
| 2024 | no change |
| 2025 | no change |
| 2026 | -0.6% |
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.