FWD vPrime Signature Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00070-04-000-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$3,546 |
| 45 | HK$5,221 |
| 60 | HK$10,962 |
| 75 | HK$26,819 |
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 if cancelled within 21-day cooling-off period (no benefits paid); no refund after cooling-off period if benefits paid, or if no benefits paid, cancellation with 30 days written notice p.5 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits is subject to re-underwriting for the upgraded/additional 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 in Hong Kong, Macau or Mainland China; Standard Private Room in other Asia or for Emergency Treatment outside Asia p.64 |
| If a higher room is used | If voluntarily confined in a higher ward class: Standard Semi-private Room to Standard Private Room (50% adjustment factor); Standard Semi-private Room to Above Standard Private Room (25% adjustment factor); Standard Private Room to Above Standard Private Room (25% adjustment factor) 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 | Worldwide p.64 |
| Full cover on core benefits | yes p.65 |
| Annual limit | 15000000 p.64 |
| Lifetime limit | none p.64 |
| Deductible options | 0, 50000 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 p.28 |
| Pre-admission outpatient | Full cover for all prior outpatient visits or emergency consultations within 31 days before admission/Day Case Procedure (1 visit per day); Full cover for one prior outpatient visit or emergency consultation more than 31 days before admission/Day Case Procedure p.65 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge/Day Case Procedure (1 visit per 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 p.66 |
| Day case procedures | Covered as in-patient procedures; 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 | 100000 p.66 |
| Chinese medicine | HKD600 per visit, maximum 15 follow-up outpatient visits per confinement/day case procedure (within 90 days after discharge/completion) p.67 |
| Physiotherapy | Covered during confinement under miscellaneous charges; covered as follow-up outpatient care post-confinement/day case procedure; covered under stroke ancillary benefit p.21 |
| Congenital conditions | Covered under the same terms 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 specified 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 (max 30 days/year) for using a lower ward class in a private HK hospital; HKD1,000 per day (max 60 days/year) as top-up subsidy if covered by other plans; HKD1,600 per confinement for ICU in HK p.67 |
| Companion bed | Full cover p.66 |
| Direct billing and pre-authorisation | Available through Designated Healthcare Services Providers network with reservation via service hotline p.47 |
| No-claim discount | 10% for 2-4 consecutive no-claim years; 15% for 5+ consecutive no-claim years p.48 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances p.26 |
At a constant age of 45, FWD has filed 1 schedule change on this plan since 2021, an average of -1.4% a year, taking the premium from HK$5,445 to HK$5,221.
| Year | Change |
|---|---|
| 2024 | no change |
| 2025 | no change |
| 2026 | -4.1% |
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.