VHIS Flexi · F00015-01-000-03

vCare Medical Plan

更衛您醫療計劃

FWD Life Insurance Company (Bermuda) Limited

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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 YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp 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 YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp 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

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

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

Terms and premiums on this page reflect the latest documents published by each insurer and the Insurance Authority's VHIS platform. In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

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