FWD Hong Kong VHIS — All 9 Plans Compared

FWD Hong Kong is one of the 12 insurers offering Voluntary Health Insurance Scheme (VHIS) plans in Hong Kong, with 9 VHIS plan series in its current lineup — from the entry-level vCore (a Standard Plan) to the flagship vTheOne — spanning ward, semi-private, and private room tiers.

Six of these series — vFamily, vCANsurance, vBooster, vPrime, vPrime Signature, and vTheOne — are the only plans out of all 101 VHIS plans on the market that drop the regulator-template Section 12 coverage for congenital conditions diagnosed before age 8.

Geographic coverage tiers run across four levels: Worldwide (no limit), Asia, Worldwide ex-US, and Worldwide. For a 30-year-old non-smoking male, annual premiums range from a few thousand HKD for vCore up to over HK$50,000 for vTheOne’s Elite tier.

Deductible options span from HK$0 to HK$250,000. Higher deductibles cut premiums substantially and pair well with an employer group medical plan that already covers the first dollar.

The interactive chart above is sorted by age-30 male, zero-deductible annual premium from lowest to highest. Adjust the age and gender controls to see each plan’s annual premium update live.