FWD vPrime Signature Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00070-11-000-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$3,306 |
| 45 | HK$4,777 |
| 60 | HK$10,229 |
| 75 | HK$24,310 |
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 | First 30 days of the first Policy Year no coverage; 31st day of the first Policy Year onwards full coverage p.24 |
| Waiting period | none p.24 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period, provided no benefit payment has been made or is impending. p.5 |
| Switching from another plan | Switching to another plan with upgraded/additional benefits is subject to re-underwriting for 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 (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 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 | Worldwide excluding the United States of America (“USA”) p.64 |
| Psychiatric treatment area | Hong Kong only p.51 |
| Emergency treatment abroad | Covered worldwide p.51 |
| Full cover on core benefits | yes p.66 |
| Annual limit | 18500000 p.64 |
| Lifetime limit | none p.64 |
| Deductible options | 100000 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 if covered continuously for 2 years p.50 |
| Coinsurance | none |
| 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/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 | Full cover p.65 |
| Diagnostic imaging coinsurance | none p.65 |
| 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.65 |
| Kidney dialysis | Full cover for outpatient kidney dialysis; additional benefit of HKD2,500,000 per Policy Year for expenses in excess of basic cover for kidney dialysis incurred during Confinement and outpatient kidney dialysis p.65 |
| Day case procedures | Cash benefit: HKD1,800 per designated procedure at Designated Healthcare Services Provider or mainland China; HKD900 per other procedure. Max one procedure per day. p.66 |
| 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.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/completion), 1 visit per day p.66 |
| Physiotherapy | Full cover under post-discharge outpatient care; HKD100,000 per Policy Year for rehabilitation treatment; HKD1,000 per visit (max 30 visits/year, HKD100,000/incident) for stroke ancillary benefit p.23 |
| Congenital conditions | Covered under pre-existing condition rules: First 30 days of the first Policy Year no coverage; 31st day of the first Policy Year onwards full coverage p.24 |
| Pregnancy complications | Full cover for specific pregnancy 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, within 3 months of accident p.45 |
| Hospital cash | HKD900 per day (max 30 days/year) for confinement in lower ward class in HK private hospital; HKD500 per day (max 60 days/year) for top-up subsidy; HKD2,500 per confinement for ICU in HK p.67 |
| Companion bed | Full cover p.65 |
| Direct billing and pre-authorisation | Available through Designated Healthcare Services Providers network p.47 |
| No-claim discount | 10% for 2-4 consecutive claim-free years; 15% for 5+ consecutive claim-free years. Excludes certain Day Case Procedure claims. p.48 |
| Exclusions beyond the VHIS standard list | Medical Services as a result of Disability arising from dependence, overdose or influence of drugs, alcohol, narcotics, or venereal and sexually transmitted disease; Screening procedures for asymptomatic conditions, screening/surveillance based on health history, Hair Mineral Analysis (HMA), or health supplements; Medical Services and counselling services relating to sexual dysfunction; Purchase of durable medical equipment or appliances (except rental during Confinement or Day Case Procedure) 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$5,070 to HK$4,777.
| 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.