vFamily Medical Plan

The Plan provides full coverage¹ on a wide range of hospitalisation and surgical expenses anywhere in the world². Without Annual Benefit Limit and Lifetime Benefit Limit, Eligible Expenses and/or other expenses which are reasonable and customary incurred can be reimbursed up to HKD550,000 per Disability³ per Policy Year.

By combining “per Disability³” and “per Policy Year” reimbursement basis, an innovative concept of “per Disability³ per Policy Year” claims mechanism is introduced in the Plan, enabling you to utilise your coverage by having the limits of individual benefit items and the aggregate limit per Disability³ per Policy Year counted afresh for each Disability³ and in each Policy Year.

The Plan provides full coverage¹ on a wide range of medical expenses, including Prescribed Non-surgical Cancer Treatments⁴, kidney dialysis⁵ (including the rental cost of a kidney dialysis machine for use at home) and organ or bone marrow transplantation. On top of the aggregate limit per Disability³ per Policy Year of up to HKD550,000, you are entitled to an additional benefit for these three kinds of treatments of up to HKD550,000 per Disability³ per Policy Year, which further eases your burden throughout your treatment journey.

You will be provided with an additional cash benefit under the following circumstance(s) if relevant Eligible Expenses are payable:

• Cash benefit for Day Case Procedure: The surgery conducted is a Day Case Procedure. [First-in-VHIS-market⁶] Cash benefit will be doubled up if the Insured Person receives designated Day Case Procedures at a Designated Healthcare Services Provider⁷,
• Cash benefit for major and complex surgeries (First-in-VHIS-market⁶): You need to undergo a surgical procedure which is categorized as major or complex according to the Schedule of Surgical Procedures or as reasonably determined by us if the surgical procedure is not included in the Schedule of Surgical Procedures, or
• Cash benefit for Confinement in Intensive Care Unit in Hong Kong (First-in-VHIS-market⁶): You have been Confined in Intensive Care Unit for at least 3 consecutive days in Hong Kong

The Plan covers rehabilitation treatment⁵ and post-Confinement home nursing⁵, so your financial burden will be lightened and you can focus on recovery.

The Plan provides peace of mind protection, with full coverage¹ for the Eligible Expenses incurred for pregnancy complications⁸. Furthermore, [First-in-VHIS-market⁶] the amount of the respective cash benefits for Confinement in Intensive Care Unit in Hong Kong¹⁰ of HKD6,000 and death benefit⁹ of HKD20,000 will be doubled up if the benefit(s) is/are payable due to pregnancy complications.