vCare Supreme Medical Plan

更衛您（優越版）醫療計劃

FWD Life Insurance Company (Bermuda) Limited

vCare Supreme Medical Plan is a VHIS Flexi plan offered by FWD Life Insurance Company (Bermuda) Limited, with basic and extra: No ward-class restriction; SMM: Ward, Worldwide (including United States) coverage and no overall annual benefit limit. Latest plan-document version: Jun 2, 2025.

VHIS FlexiF00032-01-000-05

Plan at a glance

Ward class: Basic and extra: No ward-class restriction; SMM: Ward
Coverage region: Worldwide (including United States)
Deductible: —
Annual benefit limit: No cap
Per-illness annual limit: —
Lifetime benefit limit: No cap
SMM Supplemental Major Medical: HK$100,000／per policy year / per disability, 15% coinsurance

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	$1,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$16,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,000 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• Coinsurance is not applicable to Prescribed Diagnostic Imaging Tests performed during Confinement• 30% Coinsurance for Prescribed Diagnostic Imaging Tests performed in a facility providing day-patient medical services
(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 within 90 days after discharge from Hospital or completion of Day Case ProcedureThe maximum benefit per Policy Year and the maximum 6 follow-up outpatient visits after discharge are shared with benefit item (G) of II. Enhanced Benefits
(l) Psychiatric treatments (l) 精神科治療	$30,000 per Policy Year
Extra Benefits
Emergency outpatient treatment for Accident 緊急意外門診治療	$5,000 per Policy Year within 72 hours of the Accident
Outpatient kidney dialysis 腎臟透析	$200,000 per Policy Year
Rehabilitation benefit 復康治療	$10,000 per Policy Year
Hospice and palliative care benefit 善終服務	$10,000 per Policy Year
Home nursing 出院後私家看護	$800 per day, maximum 30 days per Policy Year
Hospital companion bed fee reimbursement 陪床費	$500 per day, maximum 30 days per Policy Year
Chinese Medicine Practitioner outpatient care 出院後/ 日間手術後的中醫治療	$580 per visit, $6,000 per Policy Year• Up to 6 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureThe maximum benefit per Policy Year and the maximum 6 follow-up outpatient visits after discharge are shared with benefit item (k) of I. Basic Benefits
Prescribed Non-surgical Cancer Treatments (top-up)Cancer top-up 訂明非手術癌症治療 (4) 及腎臟透析 (2)的額外保障	Eligible Expenses in excess of the benefits payable under benefit item (j) of I. Basic Benefits and benefit item (B) of II. Enhanced Benefits, up to $50,000 per Policy Year
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）	$500 - $1,000 per surgery
Second-claim cash allowanceAfter other pays 額外現金補貼保障	$500 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
$1,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$16,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,000 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• Coinsurance is not applicable to Prescribed Diagnostic Imaging Tests performed during Confinement• 30% Coinsurance for Prescribed Diagnostic Imaging Tests performed in a facility providing day-patient medical services
(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 within 90 days after discharge from Hospital or completion of Day Case ProcedureThe maximum benefit per Policy Year and the maximum 6 follow-up outpatient visits after discharge are shared with benefit item (G) of II. Enhanced Benefits
(l) Psychiatric treatments
(l) 精神科治療
$30,000 per Policy Year

Extra Benefits

Emergency outpatient treatment for Accident
緊急意外門診治療
$5,000 per Policy Year within 72 hours of the Accident
Outpatient kidney dialysis
腎臟透析
$200,000 per Policy Year
Rehabilitation benefit
復康治療
$10,000 per Policy Year
Hospice and palliative care benefit
善終服務
$10,000 per Policy Year
Home nursing
出院後私家看護
$800 per day, maximum 30 days per Policy Year
Hospital companion bed fee reimbursement
陪床費
$500 per day, maximum 30 days per Policy Year
Chinese Medicine Practitioner outpatient care
出院後/ 日間手術後的中醫治療
$580 per visit, $6,000 per Policy Year• Up to 6 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureThe maximum benefit per Policy Year and the maximum 6 follow-up outpatient visits after discharge are shared with benefit item (k) of I. Basic Benefits
Prescribed Non-surgical Cancer Treatments (top-up)Cancer top-up
訂明非手術癌症治療 (4) 及腎臟透析 (2)的額外保障
Eligible Expenses in excess of the benefits payable under benefit item (j) of I. Basic Benefits and benefit item (B) of II. Enhanced Benefits, up to $50,000 per Policy Year
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）
$500 - $1,000 per surgery
Second-claim cash allowanceAfter other pays
額外現金補貼保障
$500 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	15%
3 yrs	15%
4 yrs	15%
5 yrs	20%

Verbatim clause

補充文件 – 無索償保費折扣更衛您（優越版）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。） 1. 無索償保費折扣若： (a) 本保單已連續生效最少有兩(2 )個保單年度；及 (b) 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、入住註冊復康中心或註冊善終院舍，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 15% 連續三(3 )個保單年度 15% 連續四(4 )個保單年度 15% 連續五(5 )個保單年度或以上 20% (c) 儘管本第 1 節的上述條件(b)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。本第 1 節的條件(c)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。

https://www.vhis.gov.hk/doc/certifiedplan/fp/F00032/F00032-01-000-05-PlanDoc-c.pdf

Premium Schedule

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

Age	Male	Female
0	HK$6,587	HK$5,091
1	HK$6,587	HK$5,091
2	HK$6,587	HK$5,091
3	HK$6,587	HK$5,091
4	HK$2,953	HK$3,544
5	HK$2,953	HK$3,544
6	HK$2,953	HK$3,544
7	HK$2,953	HK$3,544
8	HK$2,953	HK$3,544
9	HK$2,953	HK$3,544
10	HK$2,953	HK$3,544
11	HK$2,953	HK$3,544
12	HK$2,953	HK$3,544
13	HK$2,953	HK$3,544
14	HK$2,953	HK$3,544
15	HK$3,036	HK$3,752
16	HK$3,193	HK$3,950
17	HK$3,222	HK$4,103
18	HK$3,238	HK$4,250
19	HK$3,260	HK$4,375
20	HK$3,310	HK$4,486
21	HK$3,326	HK$4,571
22	HK$3,395	HK$4,663
23	HK$3,467	HK$4,817
24	HK$3,585	HK$4,963
25	HK$3,684	HK$5,061
26	HK$3,777	HK$5,174
27	HK$3,908	HK$5,298
28	HK$4,002	HK$5,426
29	HK$4,160	HK$5,581
30	HK$4,276	HK$5,744
31	HK$4,400	HK$5,914
32	HK$4,520	HK$6,102
33	HK$4,682	HK$6,289
34	HK$4,881	HK$6,496
35	HK$5,023	HK$6,695
36	HK$5,119	HK$6,890
37	HK$5,297	HK$7,095
38	HK$5,473	HK$7,196
39	HK$5,571	HK$7,249
40	HK$5,817	HK$7,606
41	HK$5,980	HK$7,996
42	HK$6,270	HK$8,273
43	HK$6,593	HK$8,629
44	HK$6,955	HK$9,006
45	HK$7,304	HK$9,352
46	HK$7,647	HK$9,733
47	HK$7,984	HK$10,050
48	HK$8,381	HK$10,221
49	HK$8,706	HK$10,253
50	HK$9,129	HK$10,846
51	HK$9,655	HK$11,252
52	HK$10,159	HK$11,616
53	HK$10,695	HK$11,974
54	HK$11,301	HK$12,451
55	HK$11,964	HK$12,969
56	HK$12,498	HK$13,476
57	HK$13,159	HK$13,978
58	HK$13,823	HK$14,522
59	HK$14,557	HK$15,228
60	HK$15,230	HK$15,987
61	HK$16,078	HK$16,779
62	HK$16,946	HK$17,573
63	HK$17,841	HK$18,372
64	HK$18,957	HK$19,148
65	HK$20,003	HK$19,932
66	HK$21,113	HK$20,770
67	HK$22,293	HK$21,661
68	HK$23,531	HK$22,600
69	HK$24,824	HK$23,576
70	HK$26,073	HK$24,499
71	HK$27,324	HK$25,413
72	HK$28,577	HK$26,306
73	HK$29,551	HK$27,166
74	HK$30,471	HK$28,399
75	HK$31,564	HK$29,534
76	HK$32,820	HK$30,709
77	HK$33,903	HK$31,837
78	HK$34,701	HK$32,765
79	HK$35,498	HK$33,535
80	HK$36,799	HK$34,733
81	HK$38,110	HK$35,760
82	HK$39,388	HK$36,767
83	HK$40,725	HK$37,794
84	HK$42,062	HK$38,913
85	HK$43,437	HK$40,112
86	HK$44,731	HK$41,337
87	HK$46,059	HK$42,560
88	HK$47,382	HK$43,798
89	HK$48,548	HK$45,083
90	HK$49,590	HK$46,129
91	HK$50,662	HK$46,829
92	HK$51,430	HK$47,668
93	HK$51,996	HK$48,130
94	HK$52,574	HK$48,728
95	HK$53,148	HK$49,470
96	HK$53,724	HK$50,084
97	HK$54,316	HK$50,704
98	HK$54,928	HK$51,327
99	HK$55,483	HK$51,845

How does vCare Supreme compare with similar FWD plans?

Item	vCare Supreme (this plan)	vCare	vFamily
Ward class	Basic and extra: No ward-class restrictionSMM: Ward	No ward-class restriction	Ward
Annual benefit limit	No overall limit	HK$520,000	No overall limit
Per-illness limit per year	No overall limit	No overall limit	HK$550,000
Yearly premiumMale, age 30	HK$4,276	HK$3,002	HK$4,917
Yearly premiumMale, age 40	HK$5,817	HK$4,033	HK$5,689
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.	No age-8 exclusion; pre-existing-condition and other terms still apply.
No-claim discount	Basic discount2–4 claim-free years: 15%5+ claim-free years: 20%Additional: 2–3 policies 2.5% / 4 policies 5% / 5+ policies 10%	2–4 claim-free years: 10%5+ claim-free years: 15%	Basic discount2–4 claim-free years: 10%5+ claim-free years: 15%Additional: 2–3 policies 3.5% / 4 policies 7.5% / 5+ policies 15%
Suited to	People who want an extra medical benefit on top of itemised cover	People who want slightly higher itemised limits than the Standard Plan	People happy with a general ward who want basic benefits paid in full

Source: each plan's benefit schedule and premium table on vhis.gov.hk (vCare Supreme F00032; vCare F00015; vFamily F00072). Premiums are yearly, for a man, on each plan's lowest tier and lowest deductible option.

Who is vCare Supreme better suited to?

Better suited to

People worried the itemised limits will not be enough: the extra medical benefit pays eligible costs above the itemised limits, up to HK$100,000 per illness per policy year (with 15% co-insurance).
People who do not want an overall yearly cap: the benefit schedule has no annual benefit limit, though each item still has its own cap.
People often treated abroad: apart from psychiatric treatment, all benefits apply worldwide.

May not suit

People who want a lower premium: vCare costs about 30% less for a 30-year-old man, paid up to itemised limits with an annual benefit limit of HK$520,000.
People who want full reimbursement without itemised caps: vFamily pays its basic benefits in full, up to HK$550,000 per illness per policy year.
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 Supreme

Each benefit has its own cap: Benefits are paid up to itemised limits, for example HK$1,000 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.
The extra medical benefit is based on a general ward: The extra medical benefit carries 15% co-insurance and is based on a standard general ward. If you choose a higher ward class, this benefit counts only a percentage of the expenses (50% for a semi-private room, 25% for a private room, 12.5% above that).
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 done as a day patient carries 30% co-insurance.
Premiums rise with age: Yearly premium for a man: HK$4,276 at age 30, HK$5,817 at 40 and HK$15,230 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 15%; five years or more cut it by 20%.
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: Jun 2, 2025
Plan data updated: 2026-04-25

Ask about application & premium discounts

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vCare Supreme Medical Plan

Plan at a glance

Benefits

No-Claim Bonus

Discount schedule

Premium Schedule

How does vCare Supreme compare with similar FWD plans?

Who is vCare Supreme better suited to?

Better suited to

May not suit

What to know before buying vCare Supreme

Terms & Disclaimer / 使用條款及免責聲明

Full terms and disclaimer

1. Applicable Region / 適用地域

2. Purpose / 用途

3. Data Source & Accuracy / 資料來源及準確性

4. Reimbursement Calculator / 賠償試算工具

5. Case-Study Costs / 案例費用

6. Risk & Liability / 風險及責任

7. Consent / 同意條款