FWD vPrime Signature Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00070-08-000-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,666 |
| 45 | HK$9,502 |
| 60 | HK$20,013 |
| 75 | HK$50,813 |
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$18,500,000 |
| 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 | Paid in full |
| Psychiatric treatment | Paid in full |
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 | No coverage for first 30 days of first policy year, full coverage from 31st day of first policy year onwards p.24 |
| Waiting period | 30 days for unknown pre-existing conditions p.24 |
| Cancellation and refund | Full refund within 21-day cooling-off period. After cooling-off, cancellation with 30 days written notice if 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 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 (HK, Macau, Mainland China); Standard Private Room (worldwide excluding HK, Macau, Mainland China, USA, or emergency in USA) p.64 |
| If a higher room is used | If voluntarily confined in higher class: Standard Semi-private to Standard Private (50% adjustment factor); Standard Semi-private to Above Standard Private (25% adjustment factor); Standard Private to Above Standard Private (25% adjustment factor) p.52 |
| Geographical cover | Worldwide excluding USA for non-emergency treatment p.64 |
| Psychiatric treatment area | Hong Kong only p.51 |
| Emergency treatment abroad | Worldwide p.64 |
| Full cover on core benefits | yes p.64 |
| Annual limit | 18500000 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 at ages 50, 55, 60, 65, 70, 75, or 80 p.50 |
| Coinsurance | none p.25 |
| Pre-admission outpatient | Full cover for all prior outpatient visits/emergency consultations within 31 days before admission (1 visit/day); one prior visit/consultation more than 31 days before admission p.64 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge/Day Case Procedure (1 visit/day) p.64 |
| General outpatient | none |
| Psychiatric treatment | Full cover p.64 |
| Diagnostic imaging coinsurance | none p.64 |
| Non-surgical cancer treatment | Full cover, with an additional benefit of HKD2,500,000 per policy year for expenses in excess of basic cover p.64 |
| Kidney dialysis | Full cover for outpatient kidney dialysis, with an additional benefit of HKD2,500,000 per policy year for expenses in excess of basic cover p.65 |
| Day case procedures | Covered as in-patient. Cash benefit of HKD3,600 for designated procedures at designated providers/Mainland China; HKD1,800 for other procedures p.65 |
| Home nursing | Full cover, maximum 196 days per policy year (within 196 days after discharge from hospital) p.65 |
| Hospice care | HKD100,000 per Policy Year p.65 |
| Chinese medicine | HKD600 per visit, maximum 15 follow-up outpatient visits per confinement/day case procedure (within 90 days after discharge) p.65 |
| Physiotherapy | Full cover for pre- and post-confinement/day case procedure outpatient care p.64 |
| Congenital conditions | Covered under pre-existing condition rules: no coverage for first 30 days of first policy year, full coverage from 31st day of first policy year onwards p.24 |
| Pregnancy complications | Full cover, 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, within 3 months of accident p.45 |
| Hospital cash | HKD1,000/day (max 60 days) for top-up subsidy; HKD1,700/day (max 30 days) for lower room class in HK private hospital; HKD3,600/HKD1,800 for day case; HKD6,000/HKD12,000 for major/complex surgery; HKD12,000 for ICU confinement in HK p.65 |
| Companion bed | Full cover p.65 |
| Direct billing and pre-authorisation | Available through Designated Healthcare Services Providers network for designated Day Case Procedures, requiring reservation via hotline 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 | 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 -0.3% a year, taking the premium from HK$9,591 to HK$9,502.
| Year | Change |
|---|---|
| 2024 | no change |
| 2025 | no change |
| 2026 | -0.9% |
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.