FWD vPrime Signature Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00070-06-000-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$2,274 |
| 45 | HK$3,235 |
| 60 | HK$6,971 |
| 75 | HK$16,218 |
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 | 0% for first 30 days of Policy Year 1, 100% from 31st day of Policy Year 1 p.24 |
| Waiting period | 12 months for pregnancy complications p.41 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period, provided no benefit payment made. After cooling-off, cancellation requires 30 days notice, no refund if benefits paid. p.5 |
| Switching from another plan | Can switch to another plan with upgraded/additional benefits, subject to re-underwriting for the upgraded/additional benefits only p.15 |
| Room class | Standard Semi-private Room in HK, Macau, Mainland China; Standard Private Room elsewhere in Asia or worldwide for emergency treatment p.64 |
| If a higher room is used | If voluntarily confined in higher class: Standard Semi-private to Standard Private: 50% payable; Standard Semi-private to Above Standard Private: 25% payable; Standard Private to Above Standard Private: 25% payable p.52 |
| Geographical cover | Asia for non-emergency treatment (includes Mainland China, Hong Kong, Macau, Australia, New Zealand, etc.); Worldwide for emergency treatment p.64 |
| Psychiatric treatment area | Hong Kong only p.64 |
| Emergency treatment abroad | Covered 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, 250000 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.25 |
| Pre-admission outpatient | Full cover for all prior outpatient visits within 31 days before admission (1 visit/day); one prior visit more than 31 days before admission p.64 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge (1 visit/day) p.64 |
| General outpatient | none, except for emergency accidental treatment and kidney dialysis p.64 |
| Psychiatric treatment | HKD40,000 per Policy Year p.64 |
| Diagnostic imaging coinsurance | none p.64 |
| Non-surgical cancer treatment | full cover p.64 |
| Kidney dialysis | Full cover for inpatient and outpatient kidney dialysis p.65 |
| Day case procedures | Covered as in-patient under basic benefits (full cover); cash benefit of HKD1,800 for designated procedures at designated providers or HKD900 for others p.21 |
| Home nursing | Full cover, maximum 196 days per policy year after discharge from hospital following surgery or ICU admission p.65 |
| Hospice care | HKD100,000 per Policy Year p.65 |
| Chinese medicine | HKD600 per visit, maximum 15 visits per confinement/day case procedure within 90 days after discharge p.66 |
| Physiotherapy | Covered during confinement and as part of post-discharge outpatient care (full cover) p.21 |
| Congenital conditions | Covered under pre-existing conditions clause (0% for first 30 days of Policy Year 1, 100% from 31st day of Policy Year 1) p.24 |
| Pregnancy complications | Full cover for listed complications, subject to 12-month waiting period from policy effective date p.66 |
| Emergency dental | Full cover for emergency treatment to sound natural teeth due to injury, within 3 months of accident p.66 |
| Hospital cash | HKD500 per day (max 60 days/year) for top-up subsidy; HKD900 per day (max 30 days/year) for using lower room class in private HK hospital p.65 |
| Companion bed | Full cover p.65 |
| Direct billing and pre-authorisation | Available through Designated Healthcare Services Providers for designated Day Case Procedures via service hotline and identification p.45 |
| 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 | 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 -1.0% a year, taking the premium from HK$3,333 to HK$3,235.
| Year | Change |
|---|---|
| 2024 | no change |
| 2025 | no change |
| 2026 | -2.9% |
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.