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VHIS Flexi · F00045-04-000-05

vPrime Medical Plan - HKD50,000 Deductible

尊衛您醫療計劃 - 50,000 港元自付費

FWD Life Insurance Company (Bermuda) Limited

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Your premium

HK$4,380 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$50,000

Annual benefit limit

HK$16,500,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

HK$2,500,000

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 ExpensesAll 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 ProcedureAll 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
Cancer / cardiac / stroke 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
Daily post-surgery home nursing benefit 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(a) Prescribed Non-surgical Cancer Treatments under benefit item (j) of I. Basic Benefits;(b) Inpatient kidney dialysis under benefit item (b) of I. Basic Benefits;(c) Outpatient kidney dialysis under benefit item 5 of II. Upgraded Benefits; or(d) Organ or bone marrow transplant under benefit items (a) to (i) of I. Basic Benefits. $2,500,000 per Policy Year
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(a) Prescribed Non-surgical Cancer Treatments under benefit item (j) of I. Basic Benefits;(b) Inpatient kidney dialysis under benefit item (b) of I. Basic Benefits;(c) Outpatient kidney dialysis under benefit item 5 of II. Upgraded Benefits; or(d) Organ or bone marrow transplant under benefit items (a) to (i) of I. Basic Benefits. $2,500,000 per Policy Year
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(a) Prescribed Non-surgical Cancer Treatments under benefit item (j) of I. Basic Benefits;(b) Inpatient kidney dialysis under benefit item (b) of I. Basic Benefits;(c) Outpatient kidney dialysis under benefit item 5 of II. Upgraded Benefits; or(d) Organ or bone marrow transplant under benefit items (a) to (i) of I. Basic Benefits. $2,500,000 per Policy Year
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 – $1,200 per Major surgery; $2,500 per Complex surgery; up to 1 Major or Complex surgery per day
Daily ICU confinement cash benefit (Hong Kong) 於香港入住深切治療部的現金保障	$2,500 per ConfinementIf the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable in accordance with these Terms and Benefits; andThis benefit is payable 1 time only during the whole Confinement period.
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 ExpensesAll 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 ProcedureAll 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
Cancer / cardiac / stroke 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
Daily post-surgery home nursing benefit
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(a) Prescribed Non-surgical Cancer Treatments under benefit item (j) of I. Basic Benefits;(b) Inpatient kidney dialysis under benefit item (b) of I. Basic Benefits;(c) Outpatient kidney dialysis under benefit item 5 of II. Upgraded Benefits; or(d) Organ or bone marrow transplant under benefit items (a) to (i) of I. Basic Benefits. $2,500,000 per Policy Year
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(a) Prescribed Non-surgical Cancer Treatments under benefit item (j) of I. Basic Benefits;(b) Inpatient kidney dialysis under benefit item (b) of I. Basic Benefits;(c) Outpatient kidney dialysis under benefit item 5 of II. Upgraded Benefits; or(d) Organ or bone marrow transplant under benefit items (a) to (i) of I. Basic Benefits. $2,500,000 per Policy Year
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(a) Prescribed Non-surgical Cancer Treatments under benefit item (j) of I. Basic Benefits;(b) Inpatient kidney dialysis under benefit item (b) of I. Basic Benefits;(c) Outpatient kidney dialysis under benefit item 5 of II. Upgraded Benefits; or(d) Organ or bone marrow transplant under benefit items (a) to (i) of I. Basic Benefits. $2,500,000 per Policy Year
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 – $1,200 per Major surgery; $2,500 per Complex surgery; up to 1 Major or Complex surgery per day
Daily ICU confinement cash benefit (Hong Kong)
於香港入住深切治療部的現金保障
$2,500 per ConfinementIf the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable in accordance with these Terms and Benefits; andThis benefit is payable 1 time only during the whole Confinement period.

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

Premium Schedule

Annual premium · Single rate (gender / smoking agnostic) · HKD

Age	Premium
0	HK$3,835
1	HK$3,835
2	HK$3,835
3	HK$3,835
4	HK$3,835
5	HK$3,249
6	HK$3,249
7	HK$3,249
8	HK$3,249
9	HK$3,249
10	HK$3,249
11	HK$3,249
12	HK$3,249
13	HK$3,249
14	HK$3,249
15	HK$3,249
16	HK$3,249
17	HK$3,249
18	HK$3,282
19	HK$3,353
20	HK$3,453
21	HK$3,545
22	HK$3,660
23	HK$3,763
24	HK$3,863
25	HK$3,951
26	HK$4,039
27	HK$4,125
28	HK$4,128
29	HK$4,160
30	HK$4,380
31	HK$4,380
32	HK$4,402
33	HK$4,437
34	HK$4,437
35	HK$4,560
36	HK$4,700
37	HK$4,700
38	HK$4,772
39	HK$4,799
40	HK$5,126
41	HK$5,492
42	HK$5,693
43	HK$6,019
44	HK$6,125
45	HK$6,695
46	HK$7,022
47	HK$7,520
48	HK$7,838
49	HK$8,214
50	HK$8,782
51	HK$9,228
52	HK$9,671
53	HK$10,115
54	HK$10,558
55	HK$11,017
56	HK$11,475
57	HK$11,935
58	HK$12,396
59	HK$12,858
60	HK$13,581
61	HK$14,360
62	HK$15,206
63	HK$16,256
64	HK$17,204
65	HK$18,024
66	HK$19,339
67	HK$20,581
68	HK$22,076
69	HK$23,589
70	HK$25,153
71	HK$26,659
72	HK$28,321
73	HK$29,880
74	HK$31,456
75	HK$33,146
76	HK$34,334
77	HK$36,055
78	HK$36,761
79	HK$38,878
80	HK$41,177
81	HK$42,274
82	HK$43,848
83	HK$45,544
84	HK$47,082
85	HK$48,790
86	HK$49,866
87	HK$51,120
88	HK$51,894
89	HK$53,302
90	HK$54,146
91	HK$58,854
92	HK$59,953
93	HK$61,266
94	HK$62,728
95	HK$63,909
96	HK$65,740
97	HK$67,693
98	HK$69,008
99	HK$70,518

Other deductible options in this series

6 deductibles — same benefit schedule, premium scales with deductible

HK$0

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HK$16K

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HK$25K

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HK$50K

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HK$100K

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HK$250K

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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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