FWD vPrime Signature Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00070-03-000-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,791 |
| 45 | HK$6,673 |
| 60 | HK$14,257 |
| 75 | HK$36,288 |
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 | 30 days for unknown pre-existing conditions p.24 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit paid. After cooling-off, cancellation with 30 days' notice if no benefit paid in current policy year. p.5 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits is subject to re-underwriting for those benefits. Switching to a plan with downgraded/reduced benefits does not require 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 other Asia or worldwide for emergency p.64 |
| If a higher room is used | If voluntarily confined in a higher ward class, a ward class adjustment factor (50% or 25%) is applied to eligible expenses. 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.20 |
| Emergency treatment abroad | Covered worldwide for Emergency Treatment p.51 |
| Full cover on core benefits | yes p.64 |
| Annual limit | 15000000 p.64 |
| Lifetime limit | none p.64 |
| Deductible options | 25000 p.64 |
| 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.64 |
| Coinsurance | none |
| Pre-admission outpatient | Full cover for all prior outpatient visits or Emergency consultations within 31 days before admission (1 visit/day); one prior visit if 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 | 40000 p.65 |
| Diagnostic imaging coinsurance | none p.65 |
| Non-surgical cancer treatment | full 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 benefits for kidney dialysis incurred during confinement and outpatient kidney dialysis. p.65 |
| Day case procedures | Covered as in-patient for basic benefits (full cover). Cash benefit of HKD3,600 per procedure for designated day case procedures or HKD1,800 for others, max one per day. p.21 |
| Home nursing | Full cover, max 196 days per policy year (within 196 days after discharge from hospital following surgery or ICU admission), 1 Registered Nurse per day. p.65 |
| Hospice care | 100000 per Policy Year p.65 |
| Chinese medicine | HKD600 per visit, max 15 follow-up outpatient visits per confinement/day case procedure (within 90 days after discharge), 1 visit per day. p.66 |
| Physiotherapy | Full cover during confinement and for post-discharge follow-up visits (max 1 visit/day for 90 days). For stroke, HKD1,000 per visit, max 30 visits/year, up to HKD100,000 per incident. p.21 |
| Congenital conditions | Covered as unknown pre-existing conditions: no coverage for first 30 days of first policy year, then full coverage. p.24 |
| Pregnancy complications | Full cover for listed complications, provided diagnosis is at least 12 months after Policy Effective Date. p.41 |
| Emergency dental | Full cover for emergency treatment to sound natural teeth due to injury, if treated within 3 months of accident by a registered dentist. p.45 |
| Hospital cash | HKD1,000 per day (max 60 days/year) if covered by other plans; HKD1,700 per day (max 30 days/year) for using a lower ward class in a private HK hospital. p.67 |
| Companion bed | Full cover p.65 |
| Direct billing and pre-authorisation | Available for designated Day Case Procedures through Designated Healthcare Services Providers network via service hotline reservation. p.47 |
| No-claim discount | 10% for 2-4 consecutive claim-free years, 15% for 5+ consecutive claim-free years. p.48 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; traditional Chinese medicine and other alternative treatments (e.g., herbal, acupuncture, hypnotism, qigong, massage, aromatherapy, naturopathy, hydropathy, homeotherapy). p.26 |
At a constant age of 45, FWD has filed 1 schedule change on this plan since 2021, an average of -2.0% a year, taking the premium from HK$7,085 to HK$6,673.
| Year | Change |
|---|---|
| 2024 | no change |
| 2025 | no change |
| 2026 | -5.8% |
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.