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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 no ward-class restriction, Worldwide (including United States) coverage and HK$520,000 annual benefit limit. Latest plan-document version: Feb 2, 2026.
Your premium
HK$3,002 /yr
age
HK$Plan at a glance
- Ward class
- No ward-class restriction
- Coverage region
- Worldwide (including United States)
- 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 |
| 5 | HK$2,252 | HK$2,635 |
| 10 | HK$2,252 | HK$2,635 |
| 15 | HK$2,292 | HK$2,737 |
| 20 | HK$2,409 | HK$3,163 |
| 25 | HK$2,667 | HK$3,590 |
| 30 | HK$3,002 | HK$4,104 |
| 35 | HK$3,410 | HK$4,707 |
| 40 | HK$4,033 | HK$5,408 |
| 45 | HK$4,945 | HK$6,518 |
| 50 | HK$6,236 | HK$7,715 |
| 55 | HK$8,166 | HK$9,060 |
| 60 | HK$10,416 | HK$10,787 |
| 65 | HK$13,749 | HK$13,518 |
| 70 | HK$17,969 | HK$16,876 |
| 75 | HK$22,632 | HK$20,865 |
| 80 | HK$27,163 | HK$25,392 |
| 85 | HK$32,344 | HK$29,141 |
| 90 | HK$35,106 | HK$30,926 |
| 95 | HK$37,570 | HK$32,174 |
| 99 | HK$39,462 | HK$32,725 |
How does vCare compare with similar FWD plans?
| Item | vCare (this plan) | vCore | vCare Supreme |
|---|---|---|---|
| Ward class | No ward-class restriction | No ward-class restriction (item limits apply) | Basic and extra: No ward-class restrictionSMM: Ward |
| Annual benefit limit | HK$ | HK$ | No overall limit |
| Yearly premiumMale, age 30 | HK$ | HK$ | HK$ |
| Yearly premiumMale, age 40 | HK$ | HK$ | HK$ |
| Deductible options | No deductible | No deductible | No deductible |
| Coverage area | Worldwide (including United States) | Worldwide (including United States) | Worldwide (including United States) |
| Unknown congenital conditions diagnosed before age 8 | Unknown congenital conditions manifested or diagnosed before age 8 are excluded. | Unknown congenital conditions manifested or diagnosed before age 8 are excluded. | Unknown congenital conditions manifested or diagnosed before age 8 are excluded. |
| No-claim discount | 2–4 claim-free years: 10%5+ claim-free years: 15% | 2–4 claim-free years: 10%5+ claim-free years: 15% | Basic discount2–4 claim-free years: 15%5+ claim-free years: 20%Additional: 2–3 policies 2.5% / 4 policies 5% / 5+ policies 10% |
| Suited to | People who want slightly higher itemised limits than the Standard Plan | People who want VHIS Standard Plan cover | People who want an extra medical benefit on top of itemised cover |
Source: each plan's benefit schedule and premium table on vhis.gov.hk (vCare F00015; vCore S00036; vCare Supreme F00032). Premiums are yearly, for a man, on each plan's lowest tier and lowest deductible option.
Who is vCare better suited to?
Better suited to
- People who want a little more than the Standard Plan: the annual benefit limit is HK$520,000, and the surgeon's fee for a complex operation is paid up to HK$70,000.
- People often treated abroad: apart from psychiatric treatment, all benefits apply worldwide.
May not suit
- People who only want Standard Plan cover: vCore is a VHIS Standard Plan, and its yearly premium is about 18% lower for a 30-year-old man.
- People who want cover beyond the itemised limits: vCare Supreme has an extra medical benefit that pays eligible costs above the itemised limits (up to HK$100,000 per illness per policy year, with 15% co-insurance).
- Families insuring young children: this plan excludes congenital conditions that start or are diagnosed before age 8; vFamily has no such general exclusion.
What to know before buying vCare
- Each benefit has its own cap: Benefits are paid up to itemised limits, for example HK$850 a day for room and board and HK$70,000 per complex operation for the surgeon's fee. Costs above an item's limit are not paid by this plan.
- Congenital conditions before age 8 are excluded: Medical costs for a congenital condition that starts or is diagnosed before the insured person turns 8 are not paid.
- You share the cost of some scans: Prescribed diagnostic imaging such as CT and MRI carries 30% co-insurance, up to HK$20,000 a policy year.
- Premiums rise with age: Yearly premium for a man: HK$3,002 at age 30, HK$4,033 at 40 and HK$10,416 at 60. The insurer may adjust standard premiums at renewal.
- The no-claim discount needs two claim-free years: Two policy years in a row with no claims cut the renewal premium by 10%; five years or more cut it by 15%.
- Disclose your health honestly: When you apply, answer the questions in the application honestly. A pre-existing condition you disclose may be given a specific exclusion.
This is general information only. It is not personal advice and is not an offer of insurance. Everyone's needs are different: before you buy, talk to your own licensed insurance intermediary or financial adviser. The insurer's policy terms set out the full cover and exclusions.
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
- Plan data updated
- 2026-04-25
Ask about application & premium discounts
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