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vPrime Medical Plan - HKD16,000 Deductible
尊衛您醫療計劃 - 16,000 港元自付費
FWD Life Insurance Company (Bermuda) Limited
vPrime Medical Plan - HKD16,000 Deductible is a VHIS Flexi plan offered by FWD Life Insurance Company (Bermuda) Limited, with ward class Semi-Private Room, Asia incl. AU/NZ coverage, HK$16,500,000 annual benefit limit and HK$16,000 deductible. Latest plan-document version: Feb 2, 2026.
Your premium
HK$6,700 /yr
age
HK$Plan at a glance
- Ward class
- Hospitalisation in Hong Kong, Macau or Mainland China：Semi-Private Room
- Hospitalisation in Asia (excl. Hong Kong, Macau and Mainland China), or emergency treatment outside Asia：Standard Private Room
- Coverage region
- Asia incl. AU/NZ
- Deductible
- HK$16,000
- Annual benefit limit
- HK$16,500,000
- Per-illness annual limit
- —
- Lifetime benefit limit
- No cap
- SMM Supplemental Major Medical
- HK$2,500,000／per policy year
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 | Full reimbursement of Eligible ExpensesR&C |
(b) Miscellaneous charges (b) 雜項開支 | Full reimbursement of Eligible ExpensesR&C |
(c) Attending doctor's visit fee (c) 主診醫生巡房費 | Full reimbursement of Eligible ExpensesR&C |
(d) Specialist's fee (d) 專科醫生費 | Full reimbursement of Eligible ExpensesR&C |
(e) Intensive care (e) 深切治療 | Full reimbursement of Eligible ExpensesR&C |
(f) Surgeon's fee (f) 外科醫生費 | Full reimbursement of Eligible Expenses regardless of surgical categoryR&C |
(g) Anaesthetist's fee (g) 麻醉科醫生費 | Full reimbursement of Eligible ExpensesR&C |
(h) Operating theatre charges (h) 手術室費 | Full reimbursement of Eligible ExpensesR&C |
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測 | Full reimbursement of Eligible ExpensesR&C |
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療 | Full reimbursement of Eligible ExpensesR&C |
(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 | Full reimbursement of Eligible Expenses• All outpatient visits or Emergency consultations within 31 days before Confinement/Day Case Procedure (up to 1 per day)• 1 outpatient visit or Emergency consultation more than 31 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 per day)R&C |
(l) Psychiatric treatments (l) 精神科治療 | Full reimbursement of Eligible ExpensesR&C |
| Extra Benefits | |
Reconstructive surgery for specified conditions 重建手術保障 | Per Accident / per mastectomy: $160,000 |
Medical implants / prosthetic devices 重建手術的醫療裝置保障 | $96,000 per item per Policy Year |
Organ transplant donor benefit 捐贈者保障 | 30% of the total transplant cost (applicable to heart, kidney, liver, lung or bone marrow transplant) |
Emergency outpatient treatment for Accident 緊急意外門診治療 | Full reimbursement of Eligible Expenses within 72 hours of the AccidentR&C |
Outpatient kidney dialysis 門診腎臟透析 | Full reimbursement of Eligible ExpensesR&C |
Rehabilitation benefit 復康治療 | $100,000 per Policy Year |
Post-stroke home equipment upgrade 中風復康治療 (a) 家居設備提升保障 | $80,000 per Accident |
Post-stroke rehabilitation visits 中風復康治療 (b) 中風輔助保障 | $1,000 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $100,000 per Accident |
Hospice and palliative care benefit 善終服務 | $100,000 per Policy Year |
Private nursing fee (during Confinement) 私家看護費用 | Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year, limited to services provided by 1 registered nurse per dayR&C |
Home nursing 出院後私家看護 | Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year, limited to services provided by 1 registered nurse per day (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)R&C |
Hospital companion bed fee reimbursement 陪床費 | Full reimbursement of Eligible ExpensesR&C |
Chinese Medicine Practitioner outpatient care 出院後 / 日間手術後的中醫治療 | $600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day |
Complications of pregnancy 妊娠併發症保障 | Full reimbursement of Eligible ExpensesR&C |
Prescribed Non-surgical Cancer Treatments (top-up)Cancer top-up 訂明非手術癌症治療 (額外保障) | This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. |
Kidney dialysis (top-up)Dialysis top-up 腎臟透析 (額外保障) | This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. |
Organ or bone-marrow transplant (top-up)Transplant top-up 器官移植的捐贈者保障 (額外保障) | This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. |
Emergency dental benefit (Accident only) 緊急門診牙科治療 | Full reimbursement of Eligible Expenses within 3 months of the AccidentR&C |
| 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） | $1,800 - $3,600 per surgery |
Second-claim cash allowanceAfter other pays 額外現金補貼保障 | $1,000 per day of Confinement, maximum 60 days per Policy Year |
Lower ward class cash benefit 於香港的私家醫院入住合資格病房級別以下之病房的現金保障 | $1,700 per day of Confinement, maximum 30 days per Policy Year |
Major surgery cash benefit 大型及複雜手術的現金保 | Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $6,000 per Major surgery; $12,000 per Complex surgery; up to 1 Major or Complex surgery per day |
ICU confinement cash benefit (Hong Kong) 於香港入住深切治療部的現金保障 | $12,000 per Confinement• Applicable when the Insured Person is Confined in a hospital in Hong Kong, is in Intensive Care Unit for 3 consecutive days or more during the Confinement, and the Eligible Expenses incurred during the Confinement are reimbursable under the Terms and Benefits;• This benefit is payable once per entire Confinement. |
| Event Benefits | |
Stroke disability allowance benefit 中風復康治療 (c) 傷殘津貼保障 | $10,000 per month, max 24 months per Accident |
Compassionate death benefit 身故保障 | $40,000 |
Accidental Death benefit 意外身故保障 | $40,000 |
Basic Benefits
- (a) Room and board(a) 病房及膳食Full reimbursement of Eligible ExpensesR&C
- (b) Miscellaneous charges(b) 雜項開支Full reimbursement of Eligible ExpensesR&C
- (c) Attending doctor's visit fee(c) 主診醫生巡房費Full reimbursement of Eligible ExpensesR&C
- (d) Specialist's fee(d) 專科醫生費Full reimbursement of Eligible ExpensesR&C
- (e) Intensive care(e) 深切治療Full reimbursement of Eligible ExpensesR&C
- (f) Surgeon's fee(f) 外科醫生費Full reimbursement of Eligible Expenses regardless of surgical categoryR&C
- (g) Anaesthetist's fee(g) 麻醉科醫生費Full reimbursement of Eligible ExpensesR&C
- (h) Operating theatre charges(h) 手術室費Full reimbursement of Eligible ExpensesR&C
- (i) Prescribed Diagnostic Imaging Tests(i) 訂明診斷成像檢測Full reimbursement of Eligible ExpensesR&C
- (j) Prescribed Non-surgical Cancer Treatments(j) 訂明非手術癌症治療Full reimbursement of Eligible ExpensesR&C
- (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Full reimbursement of Eligible Expenses• All outpatient visits or Emergency consultations within 31 days before Confinement/Day Case Procedure (up to 1 per day)• 1 outpatient visit or Emergency consultation more than 31 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 per day)R&C
- (l) Psychiatric treatments(l) 精神科治療Full reimbursement of Eligible ExpensesR&C
Extra Benefits
- Reconstructive surgery for specified conditions重建手術保障Per Accident / per mastectomy: $160,000
- Medical implants / prosthetic devices重建手術的醫療裝置保障$96,000 per item per Policy Year
- Organ transplant donor benefit捐贈者保障30% of the total transplant cost (applicable to heart, kidney, liver, lung or bone marrow transplant)
- Emergency outpatient treatment for Accident緊急意外門診治療Full reimbursement of Eligible Expenses within 72 hours of the AccidentR&C
- Outpatient kidney dialysis門診腎臟透析Full reimbursement of Eligible ExpensesR&C
- Rehabilitation benefit復康治療$100,000 per Policy Year
- Post-stroke home equipment upgrade中風復康治療 (a) 家居設備提升保障$80,000 per Accident
- Post-stroke rehabilitation visits中風復康治療 (b) 中風輔助保障$1,000 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $100,000 per Accident
- Hospice and palliative care benefit善終服務$100,000 per Policy Year
- Private nursing fee (during Confinement)私家看護費用Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year, limited to services provided by 1 registered nurse per dayR&C
- Home nursing出院後私家看護Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year, limited to services provided by 1 registered nurse per day (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)R&C
- Hospital companion bed fee reimbursement陪床費Full reimbursement of Eligible ExpensesR&C
- Chinese Medicine Practitioner outpatient care出院後 / 日間手術後的中醫治療$600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day
- Complications of pregnancy妊娠併發症保障Full reimbursement of Eligible ExpensesR&C
- Prescribed Non-surgical Cancer Treatments (top-up)Cancer top-up訂明非手術癌症治療 (額外保障)This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
- Kidney dialysis (top-up)Dialysis top-up腎臟透析 (額外保障)This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
- Organ or bone-marrow transplant (top-up)Transplant top-up器官移植的捐贈者保障 (額外保障)This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
- Emergency dental benefit (Accident only)緊急門診牙科治療Full reimbursement of Eligible Expenses within 3 months of the AccidentR&C
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）$1,800 - $3,600 per surgery
- Second-claim cash allowanceAfter other pays額外現金補貼保障$1,000 per day of Confinement, maximum 60 days per Policy Year
- Lower ward class cash benefit於香港的私家醫院入住合資格病房級別以下之病房的現金保障$1,700 per day of Confinement, maximum 30 days per Policy Year
- Major surgery cash benefit大型及複雜手術的現金保Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $6,000 per Major surgery; $12,000 per Complex surgery; up to 1 Major or Complex surgery per day
- ICU confinement cash benefit (Hong Kong)於香港入住深切治療部的現金保障$12,000 per Confinement• Applicable when the Insured Person is Confined in a hospital in Hong Kong, is in Intensive Care Unit for 3 consecutive days or more during the Confinement, and the Eligible Expenses incurred during the Confinement are reimbursable under the Terms and Benefits;• This benefit is payable once per entire Confinement.
Event Benefits
- Stroke disability allowance benefit中風復康治療 (c) 傷殘津貼保障$10,000 per month, max 24 months per Accident
- Compassionate death benefit身故保障$40,000
- Accidental Death benefit意外身故保障$40,000
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 尊衛您醫療計劃 （本文件旨在補充 條款及保障 第三部分的保費條文。） 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/F00045/F00045-01-000-05-PlanDoc-c.pdf
Premium Schedule
Annual premium · Single rate (gender / smoking agnostic) · HKD
| Age | Premium |
|---|---|
| 0 | HK$5,496 |
| 5 | HK$4,686 |
| 10 | HK$4,686 |
| 15 | HK$4,686 |
| 20 | HK$5,005 |
| 25 | HK$5,892 |
| 30 | HK$6,700 |
| 35 | HK$7,299 |
| 40 | HK$7,990 |
| 45 | HK$9,858 |
| 50 | HK$12,806 |
| 55 | HK$15,259 |
| 60 | HK$21,075 |
| 65 | HK$32,139 |
| 70 | HK$39,029 |
| 75 | HK$51,294 |
| 80 | HK$63,662 |
| 85 | HK$70,641 |
| 90 | HK$78,353 |
| 95 | HK$86,513 |
| 99 | HK$91,126 |
Other deductible options in this series
6 deductibles — same benefit schedule, premium scales with deductible
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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