Claim Estimator
Choose a case. Compare up to two plans.
Which medical situation do you want to estimate?
22 medical situations
Inpatient (non-surgical)
Minor & medium surgery (incl. day surgery)
Major & complex surgery
Cancer-related
Choose plans
Estimated on the selected published version. To estimate an older policy you hold, check the version first.
Estimate
Choose a medical situation and at least one plan to see the estimate.
Why can the same medical bill leave different amounts to pay?
Choose a case and ward setting, select plans and confirm the conditions. Benefit limits, deductibles and other terms can all change the result.
Check the bill
Cases use published charges or reference amounts. Read their sources, dates and line items; an estimate is not a personal hospital quote.
Confirm the conditions
Check ward class, remaining deductible, network requirements and other conditions. Read any unresolved questions before interpreting results.
Compare the detail
Compare up to two plans using one case. Read the line items and limits; missing or unsupported data does not mean the policy necessarily excludes that expense.
Read the linked methodology and the selected plan’s official documents for sources and limits. VHISGuide is operated by an FWD insurance agent.
Cases include modelled costs and published packages, not individual invoices or settled claims. Check sources and allocation assumptions; estimates are not promises of payment. How the data is built →