Cashless Facility Service = Receiving treatment without having to make a payment from the start to completion

¹ For vPrime Medical Plan (“vPrime”), this service is optional and does not form part of the Terms and Benefits of the VHIS Certified Plan – vPrime Medical Plan (Certification Number: F00045). Customer has the right to opt-out this service. Please inform FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) ("FWD Life”) in writing if you do not want to receive this free additional service. Both vPrime and MyMillion Medical Plan (“MyMillion”) offer Cashless Facility Service, which is an administrative arrangement to pay the covered expenditures when the insured person or insured receives approved medical procedures in a network hospital or a specialist medical service centre, but not a benefit item under policy of vPrime and MyMillion, and it is not a guaranteed successful arrangement. FWD Life reserves the right to terminate or vary the service in its sole discretion without further notice. FWD Life would pay the medical cost to the relevant hospital or specialist medical service centre on behalf of the insured person or insured after successful arrangement of the Cashless Facility Service. If there is deductible balance/ Balance of Annual deductible (if applicable) of the policy of vPrime and/or MyMillion, policy holders or policy owners are required to pay such balance when admitted to the hospital or at the specialist medical service centre. If the medical cost paid by FWD Life is higher than the maximum amount of benefit, FWD Life would seek reimbursement from policy holders or policy owners for such amount. The Cashless Facility Service is provided by external third party service provider(s) which are not guaranteed renewable. FWD Life shall not be responsible for any act, negligence or omission of medical advice, opinion, service or treatment on the part of them. FWD Life reserves the right to amend, suspend or terminate the service without further notice.
² Assumed that there is no Balance of Annual Deductible/ deductible balance (if applicable) under vPrime and/or MyMillion which was applied by the customer when the insured or insured person receives the treatment, the expenses incurred by the surgery and/or hospitalisation are eligible expenses, and the remaining limits of the plan (including but not limited to the benefit limit(s) of its benefit item(s) and/or the annual limit/annual benefit limit under the plan) is still sufficient to pay for the claim.
³ If there is Balance of Annual Deductible/deductible balance (if applicable) under vPrime and/or MyMillion which was applied by the customer when the insured or insured person receives the treatment, or the remaining limits of the plan (including but not limited to the benefit limit(s) of its benefit item(s) and/or the annual limit/annual benefit limit under the plan) is insufficient to pay for the claim, the customer still needs to pay the amount himself/herself.
⁴ Data as of 4 October 2024.
⁵ For the private hospital list, FWD Life reserves the right to revise the list without prior notice, whilst every attempt has been made in the preparation of this list to ensure its accuracy and completeness, in the event of any discrepancy between the Chinese and English versions, the English version shall prevail, the hospital names and addresses are for reference only. FWD Life recommends customers to contact 24-hour Service Hotline +852 8120 9066 for the applicable hospital network before being admitted into any hospital or receiving any insurable medical treatment.
⁶ vPrime Medical Plan (“vPrime”) is a Flexi Plan certified by the HKSAR government (“Government”) under the Voluntary Health Insurance Scheme (Certification number: F00045) and is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD Life”) (VHIS provider registration number is 00036).
⁷ MyMillion Medical Plan (“MyMillion”) is underwritten by FWD Life.
⁸ As of 1 April 2023. This statement is made by FWD Life based on market information and understanding at the time.
⁹ Please check with CUHK Medical Centre for day case or inpatient procedures eligible for this service. Medical procedure eligibility may be changed from time to time without further notice.
¹⁰ Currently only applicable to customers of vPrime and MyMillion, and for the designated medical procedure (i.e. day case or inpatient procedures). The actual claimable amount will be based on the claim decision that is subject to insured’s or insured person’s eligibility and case based exclusion(s), claim documents/information to be received, benefit limits, general exclusions and other terms and conditions as stated in the policy provisions.
¹¹ The time required to complete assessment varies from 1 to 4 working days, subject to case complexity and product coverage.
¹² 10Life calculates the estimated average coverage ratio and assigns the rating based on the public information shared by insurance companies. For more details, please refer to the 10Life website. The information provided is based on the data from the 10Life website which has not been independently verified by FWD Life. FWD Life makes no representations or warranties and accepts no responsibility or liability as to the accuracy, completeness or fitness for any particular purpose of the information. FWD Life shall not be responsible or liable for any loss or damages arising from the use of or reliance on such information.
¹³ Please contact FWD Life’s Service Hotline (852) 3123 3123 to get more information about the list of Hong Kong network specialist medical service centres and network doctors. The list may be revised from time to time without prior notice.
¹⁴ For details, please refer to related product brochure, policy terms and conditions.
¹⁵ Full cover shall mean no itemised benefit sublimit, the actual amount of Eligible Expenses and other expenses charged after deducting the remaining Deductible (if any) and is subject to the Annual Benefit Limit. Full cover applies to selected benefit items only, while other benefit items are not fully covered and are subject to respective benefit item’s limits. Please refer to Benefit Schedule and Policy provisions for details. Full cover is limited to Reasonable and Customary charges or expenses incurred as a result of services which are Medically Necessary. For the definition of "Medically Necessary" and "Reasonable and Customary", please refer to the respective product brochure.