VHIS · Step Up
AIA Voluntary Health Insurance Flexi Scheme - Ward (HKD) and vCare Medical Plan are both Step Up VHIS plans; they differ in ward class, benefit limits, geographical coverage and premium.
vCare Medical Plan suits you better if you value a lower entry premium (about HK$4,033/yr at age 40, non-smoker).
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 | AIA Voluntary Health Insurance Flexi Scheme - Ward (HKD)AIA International Limited | vCare Medical PlanFWD Life Insurance Company (Bermuda) Limited |
|---|---|---|
| Plan type | Flexi | Flexi |
| Insurer | AIA International Limited | FWD Life Insurance Company (Bermuda) Limited |
| Ward class | Ward | Ward |
| Annual benefit limit | Full cover / not stated | HK$520,000 |
| 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 | Worldwide |
| Supplementary Major Medical (SMM) | 每傷病每保單年度網絡 $120,000；非網絡 $100,000；網絡 15% / 非網絡 20% 共同保險 | No supplementary cover / not stated |
| Full-cover basic ward | Not stated | Not stated |
| Reference premium (age 40, non-smoker)Annual premium (HKD) | HK$6,549▲ | HK$4,033 |
| Data version | Jul 15, 2025 | 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.
AIA International Limited · Cert. no. F00022-01-000-03
AIA Voluntary Health Insurance Flexi Scheme - Ward (HKD) is a Flexi VHIS plan with a Ward ward class, an annual benefit limit of Full cover / not stated and a lifetime limit of Full cover / not stated; geographical coverage is Worldwide.
FWD Life Insurance Company (Bermuda) Limited · Cert. no. F00015-01-000-03
vCare Medical Plan is a Flexi VHIS plan with a Ward ward class, an annual benefit limit of HK$520,000 and a lifetime limit of Full cover / not stated; geographical coverage is Worldwide.
Use the custom comparison tool to line these plans up against options from other insurers.
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