FWD vFamily Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00072-01-000-01. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,302 |
| 45 | HK$8,480 |
| 60 | HK$14,476 |
| 75 | HK$31,058 |
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 | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | None |
| 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 | HK$600 |
| Psychiatric treatment | Paid in full |
Also includes dental, maternity, home nursing, a companion bed, hospital cash, rehabilitation, kidney dialysis, 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.15 |
|---|---|
| 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 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit payment has been made p.6 |
| Switching from another plan | Switching to another plan with upgraded benefits is subject to re-underwriting; switching to downgraded benefits is at company's discretion without re-underwriting p.16 |
| Room class | Standard Ward Room p.50 |
| If a higher room is used | If a higher ward class is used, a ward class adjustment factor is applied: Standard Semi-private Room (50%), Standard Private Room (25%), Above Standard Private Room (12.5%) p.46 |
| Geographical cover | Worldwide, except for psychiatric treatments, cash benefit for Confinement in Intensive Care Unit in Hong Kong, and cash benefit for Confinement in Intensive Care Unit in Hong Kong due to pregnancy complications p.20 |
| Psychiatric treatment area | Hong Kong only p.50 |
| Emergency treatment abroad | Covered worldwide p.20 |
| Full cover on core benefits | yes p.50 |
| Annual limit | unlimited p.50 |
| Lifetime limit | none p.20 |
| Deductible options | not stated |
| Coinsurance | none |
| Pre-admission outpatient | Full cover for 3 prior outpatient visits or emergency consultations per Confinement/Day Case Procedure p.50 |
| Post-discharge outpatient | Full cover for 20 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge), maximum $600 per visit for physiotherapy or chiropractic p.50 |
| General outpatient | none |
| Psychiatric treatment | Full cover p.50 |
| Diagnostic imaging coinsurance | none p.50 |
| Non-surgical cancer treatment | Full cover p.50 |
| Kidney dialysis | Full cover for outpatient kidney dialysis p.50 |
| Day case procedures | Covered as in-patient for core benefits; cash benefit of $1,000 for designated procedures at designated providers, or $500 for others, once per day p.50 |
| Home nursing | Full cover, maximum 30 days per Disability per Policy Year, for services by 1 Registered Nurse per day p.50 |
| Hospice care | none p.30 |
| Chinese medicine | $600 per visit, maximum 10 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge), 1 visit per day p.50 |
| Physiotherapy | Maximum $600 per visit for physiotherapy or chiropractic treatment, as part of post-discharge outpatient care p.50 |
| Congenital conditions | Covered from 31st day of first Policy Year if unknown at application p.24 |
| Pregnancy complications | Full cover for listed complications, provided diagnosis is at least 12 months after Policy Effective Date p.37 |
| Emergency dental | Full cover for emergency treatment to sound natural teeth due to injury, within 3 months of accident p.40 |
| Hospital cash | $500 per day of Confinement, maximum 60 days per Disability per Policy Year p.50 |
| Companion bed | Full cover p.50 |
| No-claim discount | 10% for 2-4 consecutive claim-free years, 15% for 5+ consecutive claim-free years. Extra discount for multiple policies. p.43 |
| Exclusions beyond the VHIS standard list | Disability from dependence/overdose of drugs/alcohol/narcotics, venereal/sexually transmitted diseases; Hair Mineral Analysis (HMA), screening for asymptomatic conditions, health supplements; Purchase of durable medical equipment or appliances for home use p.26 |
At a constant age of 45, FWD has filed 0 schedule changes on this plan since 2021, an average of +0.0% a year, taking the premium from HK$8,805 to HK$8,805.
| Year | Change |
|---|---|
| 2025 | no change |
| 2026 | no change |
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.