vCare Medical Plan

更衛您醫療計劃

FWD Life Insurance Company (Bermuda) Limited

vCare Medical Plan is a VHIS Flexi plan offered by FWD Life Insurance Company (Bermuda) Limited, with ward class Ward, Worldwide coverage and HK$520,000 annual benefit limit. Latest plan-document version: Feb 2, 2026.

01 · Plan at a glanceQuote a premium by age, gender and smoking status

Your premium

HK$3,002 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$520,000

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

—

Benefits

Full benefit schedule · grouped by basic / extra / cash / event

Benefit Item	Limit
Basic Benefits
(a) Room and board (a) 病房及膳食	$850 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$14,500 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$850 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$6,000 per Policy Year
(e) Intensive care (e) 深切治療	$4,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$6,500
Surgeon's fee — Intermediate 外科醫生費 — 中型	$15,000
Surgeon's fee — Major 外科醫生費 — 大型	$30,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$70,000
(g) Anaesthetist's fee (g) 麻醉科醫生費	35% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$120,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care (k) 入院前或出院後／日間手術前後的門診護理	$580, per visit, $6,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 6 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments (l) 精神科治療	$30,000 per Policy Year
Extra Benefits
Emergency dental benefit (Accident only) 緊急門診牙科治療	$20,000 per Policy Year within 2 weeks of the Accident
Cash Benefits
Day surgery cash benefit 日間手術現金保障 — 指定 / 非指定醫療服務提供者（二擇其一）	$800 - $1,600 per surgery
Second-claim cash allowanceAfter other pays 額外現金補貼保障	$800 per day, maximum 60 days per Policy Year
Event Benefits
Compassionate death benefit 身故保障	$15,000
Accidental Death benefit 意外身故保障	$15,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$850 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$14,500 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$850 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$6,000 per Policy Year
(e) Intensive care
(e) 深切治療
$4,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$6,500
Surgeon's fee — Intermediate
外科醫生費 — 中型
$15,000
Surgeon's fee — Major
外科醫生費 — 大型
$30,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$70,000
(g) Anaesthetist's fee
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$120,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
(k) 入院前或出院後／日間手術前後的門診護理
$580, per visit, $6,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 6 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments
(l) 精神科治療
$30,000 per Policy Year

Extra Benefits

Emergency dental benefit (Accident only)
緊急門診牙科治療
$20,000 per Policy Year within 2 weeks of the Accident

Cash Benefits

Day surgery cash benefit
日間手術現金保障 — 指定 / 非指定醫療服務提供者（二擇其一）
$800 - $1,600 per surgery
Second-claim cash allowanceAfter other pays
額外現金補貼保障
$800 per day, maximum 60 days per Policy Year

Event Benefits

Compassionate death benefit
身故保障
$15,000
Accidental Death benefit
意外身故保障
$15,000

No-Claim Bonus

Renewal premium discount earned by staying claim-free

Discount netted off renewal premium

Discount schedule

Consecutive claim-free years	Discount
2 yrs	10%
3 yrs	10%
4 yrs	10%
5 yrs	15%

Verbatim clause

補充文件 – 無索償保費折扣更衛您醫療計劃（本文件旨在補充條款及保障第三部分的保費條文。）無索償保費折扣若： 1. 本保單已連續生效最少有兩(2 )個保單年度；及 2. 最少在緊接保單續保前連續兩 (2 ) 個保單年度內，在本條款及保障下沒有已招致及沒有已由本公司結算之索償。就本條文而言，索償應被視為於以下日期招致— (i) 若受保人於醫院住院，為該次入住的首日；或 (ii) 若受保人以日症病人的身份接受醫療服務，則為該次接受醫療服務的日期；保單持有人在本條款及保障下之續保保費可享無索償保費折扣，而折扣率如下：緊接保單續保前之無索償期無索償保費折扣 ( 續保保費折扣率) 連續兩(2)個保單年度 10% 連續三(3)個保單年度 10% 連續四(4)個保單年度 10% 連續五(5)個保單年度或以上 15% 3. 儘管以上條件 2 所述，受保人於無索償期在指定醫療服務提供者進行的任何指定日間手術，因而產生有任何按本條款及保障第六部分第 3(a)、3(b) 、3(f) 、3(g)、 3(h)或 3(k)節之保障項目已付的賠償，均不會影響無索償保費折扣的資格。本條件 3 受補充文件 – 其他保障第二部分所列明的於指定醫療服務提供者進行指定日間手術之條款及細則所規限。為免存疑，在本條款及保障下，若在續保日之前招致索償，但索償在續保日之後作出或結算，而保單持有人已獲得無索償保費折扣，保單持有人在本公司要求下，需立刻向本公司償還在本條款及保障下已獲得的無索償保費折扣金額及按本補充文件 – 無索償保費折扣章節下重新計算的合資格折扣金額之差額。

https://www.vhis.gov.hk/doc/certifiedplan/fp/F00015/F00015-01-000-03-PlanDoc-c.pdf

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$4,971	HK$3,819
1	HK$4,971	HK$3,819
2	HK$4,971	HK$3,819
3	HK$4,971	HK$3,819
4	HK$2,252	HK$2,635
5	HK$2,252	HK$2,635
6	HK$2,252	HK$2,635
7	HK$2,252	HK$2,635
8	HK$2,252	HK$2,635
9	HK$2,252	HK$2,635
10	HK$2,252	HK$2,635
11	HK$2,252	HK$2,635
12	HK$2,252	HK$2,635
13	HK$2,252	HK$2,635
14	HK$2,252	HK$2,635
15	HK$2,292	HK$2,737
16	HK$2,335	HK$2,837
17	HK$2,362	HK$2,941
18	HK$2,378	HK$3,028
19	HK$2,378	HK$3,092
20	HK$2,409	HK$3,163
21	HK$2,450	HK$3,230
22	HK$2,509	HK$3,303
23	HK$2,565	HK$3,398
24	HK$2,610	HK$3,497
25	HK$2,667	HK$3,590
26	HK$2,734	HK$3,690
27	HK$2,798	HK$3,791
28	HK$2,858	HK$3,893
29	HK$2,926	HK$3,996
30	HK$3,002	HK$4,104
31	HK$3,076	HK$4,213
32	HK$3,151	HK$4,321
33	HK$3,228	HK$4,435
34	HK$3,326	HK$4,557
35	HK$3,410	HK$4,707
36	HK$3,496	HK$4,822
37	HK$3,584	HK$4,944
38	HK$3,695	HK$5,073
39	HK$3,836	HK$5,203
40	HK$4,033	HK$5,408
41	HK$4,199	HK$5,613
42	HK$4,362	HK$5,824
43	HK$4,534	HK$6,051
44	HK$4,715	HK$6,282
45	HK$4,945	HK$6,518
46	HK$5,170	HK$6,754
47	HK$5,423	HK$6,990
48	HK$5,685	HK$7,229
49	HK$5,958	HK$7,470
50	HK$6,236	HK$7,715
51	HK$6,553	HK$7,965
52	HK$6,911	HK$8,226
53	HK$7,310	HK$8,491
54	HK$7,738	HK$8,773
55	HK$8,166	HK$9,060
56	HK$8,583	HK$9,369
57	HK$9,009	HK$9,687
58	HK$9,436	HK$10,015
59	HK$9,851	HK$10,423
60	HK$10,416	HK$10,787
61	HK$11,013	HK$11,237
62	HK$11,608	HK$11,778
63	HK$12,236	HK$12,345
64	HK$12,898	HK$12,927
65	HK$13,749	HK$13,518
66	HK$14,597	HK$14,226
67	HK$15,442	HK$14,818
68	HK$16,293	HK$15,408
69	HK$17,148	HK$16,141
70	HK$17,969	HK$16,876
71	HK$19,264	HK$17,500
72	HK$20,105	HK$18,583
73	HK$20,945	HK$19,229
74	HK$21,786	HK$20,042
75	HK$22,632	HK$20,865
76	HK$23,476	HK$21,699
77	HK$24,322	HK$22,548
78	HK$25,022	HK$23,398
79	HK$25,928	HK$24,486
80	HK$27,163	HK$25,392
81	HK$28,420	HK$26,222
82	HK$29,664	HK$27,005
83	HK$30,938	HK$27,771
84	HK$31,636	HK$28,482
85	HK$32,344	HK$29,141
86	HK$32,907	HK$29,518
87	HK$33,469	HK$29,894
88	HK$34,044	HK$30,265
89	HK$34,580	HK$30,598
90	HK$35,106	HK$30,926
91	HK$35,625	HK$31,248
92	HK$36,109	HK$31,500
93	HK$36,591	HK$31,752
94	HK$37,082	HK$31,996
95	HK$37,570	HK$32,174
96	HK$38,060	HK$32,335
97	HK$38,537	HK$32,501
98	HK$39,000	HK$32,613
99	HK$39,462	HK$32,725

Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Feb 2, 2026
Last verified: 2026-04-25

Ask about application & premium discounts

+852 5287 0900