FWD vPrime Signature Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00070-05-000-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$2,836 |
| 45 | HK$4,097 |
| 60 | HK$8,773 |
| 75 | HK$20,850 |
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 | 90 days for designated crises deductible waiver; 12 months for pregnancy complications p.57 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period (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 limited to 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 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.51 |
| Emergency treatment abroad | Covered worldwide p.64 |
| Full cover on core benefits | yes p.65 |
| Annual limit | 15000000 p.64 |
| Lifetime limit | none p.64 |
| Deductible options | 100000 p.64 |
| How the deductible applies | Per policy year, with a one-off right to reduce or remove without re-underwriting at ages 50, 55, 60, 65, 70, 75 or 80 p.50 |
| 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/day); 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/day) p.65 |
| General outpatient | none |
| Psychiatric treatment | 40000 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.66 |
| 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 kidney dialysis p.66 |
| Day case procedures | Covered as in-patient, with cash benefit of HKD1,800 for designated procedures at designated providers or HKD900 for other procedures p.45 |
| Home nursing | Full cover, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or ICU admission), 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/completion), 1 visit per day p.66 |
| Physiotherapy | Full cover during Confinement and for pre/post-Confinement/Day Case Procedure outpatient care; for Stroke ancillary benefit: HKD1,000 per visit, max 30 visits per Policy Year, max HKD100,000 per Incident p.66 |
| Congenital conditions | Covered as Pre-existing Condition(s) unknown at application: 0% year 1 (first 30 days), 100% from day 31 of year 1 p.24 |
| Pregnancy complications | Full cover for listed 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, if provided within 3 months of accident p.45 |
| Hospital cash | HKD500 per day (max 60 days/year) for top-up subsidy; HKD900 per day (max 30 days/year) for confinement below entitled ward class in HK private hospital; HKD1,600 per confinement for ICU in HK p.67 |
| Companion bed | Full cover p.66 |
| Direct billing and pre-authorisation | Available for designated Day Case Procedures at Designated Healthcare Services Providers via service hotline reservation 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) 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$4,348 to HK$4,097.
| 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.