VHIS · Entry-level Pick
vCore Medical Plan is the insurer's Standard VHIS plan (the regulatory floor of cover), while vBooster Medical Plan is its flagship Flexi plan, which extends the ward class, benefit limits and geographical coverage above that floor.
vCore Medical Plan suits you better if you value a lower entry premium (about HK$3,265/yr at age 40, non-smoker). vBooster Medical Plan suits you better if you value a higher annual benefit limit (HK$8,000,000).
Neither plan is categorically better — your choice should rest on your own budget, where you expect to seek treatment and your family needs, ideally after a financial needs analysis.
| Item | vCore Medical PlanFWD Life Insurance Company (Bermuda) Limited | vBooster Medical PlanFWD Life Insurance Company (Bermuda) Limited |
|---|---|---|
| Plan type | Standard | Flexi |
| Insurer | FWD Life Insurance Company (Bermuda) Limited | FWD Life Insurance Company (Bermuda) Limited |
| Ward class | N/A (capped) | Ward |
| Annual benefit limit | HK$420,000 | HK$8,000,000▲ |
| Lifetime benefit limit | Full cover / not stated | Full cover / not stated |
| Per-illness annual limit | Full cover / not stated | Full cover / not stated |
| DeductibleCompared at the lowest-deductible variant | $0 | $0 |
| Geographical coverage | Worldwide | Asia incl. AU/NZ |
| Supplementary Major Medical (SMM) | No supplementary cover / not stated | Up to HK$2,000,000 / policy year |
| Full-cover basic ward | Not stated | Full cover |
| Reference premium (age 40, non-smoker)Annual premium (HKD) | HK$3,265 | HK$9,936▲ |
| Data version | Feb 2, 2026 | Feb 2, 2026 |
▲ marks the larger figure on that row — an objective numeric comparison, not a verdict. “Full cover / not stated” means the policy sets no explicit cap or the document does not list one.
FWD Life Insurance Company (Bermuda) Limited · Cert. no. S00036-01-000-03
vCore Medical Plan is a Standard VHIS plan with a N/A (capped) ward class, an annual benefit limit of HK$420,000 and a lifetime limit of Full cover / not stated; geographical coverage is Worldwide.
FWD Life Insurance Company (Bermuda) Limited · Cert. no. F00069-01-000-02
vBooster Medical Plan is a Flexi VHIS plan with a Ward ward class, an annual benefit limit of HK$8,000,000 and a lifetime limit of Full cover / not stated; geographical coverage is Asia incl. AU/NZ.
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