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Hi! Got questions about medical insurance? Let me help you out!

Help you choose medical plans that suit your needs

<h3>Tips from MedInsurance Expert</h3>To choose a medical plan that fits for you, you not only know your insurance needs and financial status, but also consider the plan from different aspects like its coverage, benefit limit, premium as well as related risk disclosures or etc. Please confirm your understanding of the product features which fit your need(s) before application. Check it out now!

Want a medical plan that fits your budget and covers your needs?Check out the medical plan comparison below and learn more about the series of features offered by our plans!

FWD medical plans

Eligible Ward Class5

No restrictions

Standard ward room

Standard semi-private room11

Types of VHIS Certified Plan

Flexi Plan 

Not applicable

Annual Benefit Limit

$520K​ (No lifetime limit)​

$4 million​ (No lifetime limit)

$12.5 million​ (No lifetime limit)​

Deductible12 options

Not applicable​

3 deductible12 options​

6 deductible12 options​

Specific protection against designated crises

First-dollar coverage –​ Annual deductible12 waived for designated crises6,17

First-dollar coverage –​ Deductible12 waived for designated crises6,17

No claims premium discount18

Hospitalisation & Surgical Expenses

With itemised benefit limits

Full cover1

Pre/Post-Confinement /Day Case Procedure Out-Patient Care6

Subject to the benefit limit of the corresponding benefit item​

Prescribed Non-surgical Cancer Treatments4

$120K per policy year

Outpatient kidney dialysis6

Psychiatric Treatments13

$30K per policy year

$40K per policy year

Covering unknown Pre-existing Conditions2

Full reimbursement starting from the 4th policy year19

Full reimbursement starting from the 31st day of the policy date

Full reimbursement starting from the 31st day of the first policy year​

Post-Confinement/ Day Case Procedure Chinese​  medicine treatment

$500 per visit​ Maximum 10 follow-up outpatient visits within 90 days after discharge from Hospital or​ completion of Day Case Procedure

$600 per visit​ Maximum 15 follow-up outpatient visits within 90 days after discharge from Hospital or​ completion of Day Case Procedure

FWD Care 3rd-party professional health assistance services14,15

Stroke rehabilitation treatment

Cash Benefit for Day Case Procedure

$500 per procedure​

$500 per procedure21

$800 or $1,600 per procedure21 ​ (Depends on deductible12 options)​

Cash Benefit for Top-up Subsidy7

$500 per day of Confinement

$500 or $800 per day of Confinement​ (Depends on deductible12 options)

Special benefit for infant8,14

Pregnancy complications9

Child development benefit10,14

Details comparison

Entitled ward class in HK: Standard Semi-private Room

Diagnosed with Colon Cancer

vPrime Medical Plan   Deductible $100,000

Entitled ward class in HK: Standard Semi-private Room 

Diagnosed with Breast Cancer

vPrime Medical Plan     Deductible $25,000

Diagnosed with Anterior Cruciate Ligament Injury

Medical Insurance Claim Stories#

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Voluntary Health Insurance Scheme: Does it cover mental illnesses? Understand the causes and treatment methods

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Medical insurance vs critical illness insurance - what is the difference? What is voluntary health insurance?

Still struggling on how to choose a medical plan?

* Terms & Conditions

vCare Medical Plan

MyMillion Medical Plan

vPrime Medical Plan

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<h3>Tips from MedInsurance Expert</h3>To choose the right medical plan for you, better consider the annual benefits, deductibles, and coverage for unknown pre-existing conditions. Check it out down below!

Want a medical plan that fits your budget and covers your needs? Check out the medical plan comparison below and learn more about the series of features offered by our plans!

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