Contact · About Leo
Free 30-min consultation
Tell me your situation; I'll walk you through the data and which FWD plan actually fits your case.
Mon–Fri 10am–7pm HKT · usually respond within 24 hours
Desktop opens WhatsApp Web or the desktop app · mobile opens WhatsApp directly
About Leo
I'm Leo Chan, a licensed FWD insurance agent (IA #JF4352).
I built VHISGuide because Hong Kong has 32 VHIS providers and 600+ plans, and almost nobody shows the math. I read the PDFs, parse the schedules, audit R&C clauses — same tool against every insurer, FWD included.
If you've found me, you already know I'm a FWD agent. I'll use this same data toolkit to walk you through which FWD plan fits your case, with the right SMM or Flexi tier on top. 30-minute free consultation, WhatsApp me.
How I work
Every comparison cell sourced from the insurer's own PDF — including FWD's.
One scoring + categorisation ruleset across 32 insurers and 600+ plans.
Monthly refresh: when the IA regulator publishes new schedules, the site is updated within days.
Before recommending any plan, I run the numbers myself — best case, worst case, deductible variants.
Comfortable with the messy stuff: SMM umbrellas, per-Disability vs per-Confinement caps, Cat 1/2/3 deductibles, reinsurance limits.
I'll review whatever FWD plan you already hold; if a better tier launches, I'll ping you.
30-min consultation, WhatsApp or email. No form to fill out first.
Tell me your situation; I'll walk you through the data and which FWD plan actually fits your case.
Mon–Fri 10am–7pm HKT · usually respond within 24 hours