VHIS Plan
vPrime Medical Plan - HKD
尊衛您醫療計劃
FWD Life Insurance Company (Bermuda) Limited·6 plan options
vPrime Medical Plan - HKD is a VHIS Flexi plan offered by FWD Life Insurance Company (Bermuda) Limited, with ward class Semi-Private Room, Asia incl. AU/NZ coverage and HK$16,500,000 annual benefit limit. Latest plan-document version: Feb 2, 2026.
01 · Plan options
6 options — premiums differ; deductible, ward class or cover may also differDeductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$14,265 /yr
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Deductible
16,000 HKD deductible
Entry premium (Age 30 any gender)
HK$6,700 /yr
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Deductible
25,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,756 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,380 /yr
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Deductible
100,000 HKD deductible
Entry premium (Age 30 any gender)
HK$3,441 /yr
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Deductible
250,000 HKD deductible
Entry premium (Age 30 any gender)
HK$2,774 /yr
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02 · Premiums by age
Yearly premium of every option by age and sex| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| HKD0 Deductible | HK$10,714 | HK$9,794 | HK$10,387 | HK$14,265 | HK$17,000 | HK$24,925 | HK$42,218 | HK$78,736 | HK$125,446 |
| HKD16,000 Deductible | HK$5,496 | HK$4,686 | HK$5,005 | HK$6,700 | HK$7,990 | HK$12,806 | HK$21,075 | HK$39,029 | HK$63,662 |
| HKD25,000 Deductible | HK$4,870 | HK$4,171 | HK$4,283 | HK$5,756 | HK$6,881 | HK$10,808 | HK$17,843 | HK$33,345 | HK$54,345 |
| HKD50,000 Deductible | HK$3,835 | HK$3,249 | HK$3,453 | HK$4,380 | HK$5,126 | HK$8,782 | HK$13,581 | HK$25,153 | HK$41,177 |
| HKD100,000 Deductible | HK$2,961 | HK$2,643 | HK$2,772 | HK$3,441 | HK$3,980 | HK$6,775 | HK$10,680 | HK$19,227 | HK$31,477 |
| HKD250,000 Deductible | HK$2,413 | HK$2,161 | HK$2,260 | HK$2,774 | HK$3,183 | HK$5,336 | HK$8,595 | HK$15,146 | HK$24,793 |
| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| HKD0 Deductible | HK$10,714 | HK$9,794 | HK$10,387 | HK$14,265 | HK$17,000 | HK$24,925 | HK$42,218 | HK$78,736 | HK$125,446 |
| HKD16,000 Deductible | HK$5,496 | HK$4,686 | HK$5,005 | HK$6,700 | HK$7,990 | HK$12,806 | HK$21,075 | HK$39,029 | HK$63,662 |
| HKD25,000 Deductible | HK$4,870 | HK$4,171 | HK$4,283 | HK$5,756 | HK$6,881 | HK$10,808 | HK$17,843 | HK$33,345 | HK$54,345 |
| HKD50,000 Deductible | HK$3,835 | HK$3,249 | HK$3,453 | HK$4,380 | HK$5,126 | HK$8,782 | HK$13,581 | HK$25,153 | HK$41,177 |
| HKD100,000 Deductible | HK$2,961 | HK$2,643 | HK$2,772 | HK$3,441 | HK$3,980 | HK$6,775 | HK$10,680 | HK$19,227 | HK$31,477 |
| HKD250,000 Deductible | HK$2,413 | HK$2,161 | HK$2,260 | HK$2,774 | HK$3,183 | HK$5,336 | HK$8,595 | HK$15,146 | HK$24,793 |
How does vPrime compare with similar FWD plans?
| Item | vPrime (this plan) | vPrime Signature | vTheOne |
|---|---|---|---|
| Ward class | Semi-Private Room（HK / Macau / Mainland）Standard Private Room（Rest of Asia / outside Asia emergencies） | Semi-Private Room（HK / Macau / Mainland）Standard Private Room（Rest of Asia / outside Asia emergencies） | Standard Private Room |
| Annual benefit limit | HK$ | HK$ | HK$ |
| Yearly premiumMale, age 30 | HK$ | HK$ | HK$ |
| Yearly premiumMale, age 40 | HK$ | HK$ | HK$ |
| Deductible options | HK$ | HK$ | HK$ |
| Coverage area | Asia incl. AU/NZ | Asia incl. AU/NZ | Asia incl. AU/NZ |
| Unknown congenital conditions diagnosed before age 8 | No age-8 exclusion; pre-existing-condition and other terms still apply. | No age-8 exclusion; pre-existing-condition and other terms still apply. | 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% | Basic discount2–4 claim-free years: 10%5+ claim-free years: 15%Additional: 2–3 policies 2.5% / 4 policies 5% / 5+ policies 10% | Basic discount2–4 claim-free years: 10%5+ claim-free years: 15%Additional: 2–3 policies 2.5% / 4 policies 5% / 5+ policies 10% |
| Extra cover for cancer, dialysis and organ transplants (per year) | HK$ | HK$ | HK$ |
| Suited to | People happy with a semi-private room who want a high yearly limit | People happy with a semi-private room who may want a worldwide (excluding the US) benefit level | People who want a standard private room and want to choose a benefit level by where they are treated |
Source: each plan's benefit schedule and premium table on vhis.gov.hk (vPrime F00045, same premium for men and women; vPrime Signature F00070, same premium for men and women; vTheOne F00067, same premium for men and women). Premiums are yearly, for a man, on each plan's lowest tier and lowest deductible option.
Who is vPrime better suited to?
Better suited to
- People who want a high yearly limit: the annual benefit limit is HK$16.5 million.
- People concerned about cancer, dialysis and transplants: these treatments have extra cover of up to HK$2.5 million a policy year.
- People willing to take a higher deductible for a lower premium: the deductible options are in the table above, and a higher deductible means a lower premium.
May not suit
- People on a tighter budget: vPrime Signature costs about HK$12,058 a year at age 30, about 15% less than this plan, with an annual benefit limit of HK$15 million.
- People who want a private room: vTheOne's eligible ward class is a standard private room.
What to know before buying vPrime
- Less cover for non-emergency treatment outside Asia: For non-emergency treatment outside Asia, basic benefits are paid only up to the VHIS Standard Plan's benefit limits, and some enhanced benefits are not paid.
- A higher ward class reduces the payout: If you choose a room above a standard semi-private room (for stays in Hong Kong, Macau or mainland China), only a percentage of that day's eligible expenses counts (50% for a private room, 25% above that), though the payout is never less than the VHIS Standard Plan's benefit schedule would pay. This does not apply when it is not your choice, such as a room shortage or a medical need.
- You pay the deductible first: With a deductible, you pay eligible expenses each policy year up to the deductible amount before the plan pays the rest.
- Premiums rise with age: Yearly premium with a HK$0 deductible: HK$14,265 at age 30, HK$17,000 at 40 and HK$42,218 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.
Why so many deductible options?
The deductible is a fixed amount the insured must pay out-of-pocket each policy year before the insurer reimburses anything. The insurer only pays the portion above the deductible. A single VHIS-certified plan can offer multiple deductible levels — a higher deductible means a lower premium; a lower deductible means faster payouts but a higher premium. Which level fits depends on your cash buffer, any MPF/employer medical top-up, and whether you intend to stay in a private or semi-private ward.
Deductibles FAQ →- Official benefit schedule
- VHIS.gov.hk benefit schedule PDF
- Schedule effective date
- Feb 2, 2026
- Plan data updated
- 2026-04-25