vCANsurance Medical Plan - Standard

易衛您醫療計劃 - 標準

FWD Life Insurance Company (Bermuda) Limited

vCANsurance Medical Plan - Standard is a VHIS Flexi plan offered by FWD Life Insurance Company (Bermuda) Limited, with ward class Ward, Worldwide coverage and full coverage (no annual benefit limit). Latest plan-document version: Jun 2, 2025.

Data version: Jun 2, 2025

Your premium

HK$5,745 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

No cap

Per-illness annual limit

HK$650,000

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

HK$650,000／per policy year / per disability

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• Up to 3 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 20 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, with up to $600 per physiotherapy or chiropractic treatment visitR&C
(l) Psychiatric treatments (l) 精神科治療	Full reimbursement of Eligible ExpensesR&C
Extra Benefits
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	$10,000 per Disability per Policy Year
Private nursing fee (during Confinement) 私家看護費用	Full reimbursement of Eligible Expenses, maximum 30 days per Disability per Policy Year, limited to services provided by 1 registered nurse(s) per dayR&C
Daily post-surgery home nursing benefit 出院後私家看護	Full reimbursement of Eligible Expenses, maximum 30 days per Disability per Policy Year, limited to services provided by 1 registered nurse(s) per dayR&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 10 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit(s) per day
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）	$500 - $1,000 per surgery
Second-claim cash allowanceAfter other pays 額外現金補貼保障	$500 per day of Confinement, maximum 60 days per Disability per Policy Year
Major surgery cash benefit 大型及複雜手術的現金	Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $3,000 per Major surgery; $6,000 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	$6,000 per Confinement• If 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; and• This benefit is payable 1 time only during the whole Confinement period.
Event Benefits
Compassionate death benefit 身故保障	$20,000
Accidental Death benefit 意外身故保障	$20,000

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• Up to 3 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 20 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, with up to $600 per physiotherapy or chiropractic treatment visitR&C
(l) Psychiatric treatments
(l) 精神科治療
Full reimbursement of Eligible ExpensesR&C

Extra Benefits

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
$10,000 per Disability per Policy Year
Private nursing fee (during Confinement)
私家看護費用
Full reimbursement of Eligible Expenses, maximum 30 days per Disability per Policy Year, limited to services provided by 1 registered nurse(s) per dayR&C
Daily post-surgery home nursing benefit
出院後私家看護
Full reimbursement of Eligible Expenses, maximum 30 days per Disability per Policy Year, limited to services provided by 1 registered nurse(s) per dayR&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 10 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit(s) per day
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）
$500 - $1,000 per surgery
Second-claim cash allowanceAfter other pays
額外現金補貼保障
$500 per day of Confinement, maximum 60 days per Disability per Policy Year
Major surgery cash benefit
大型及複雜手術的現金
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $3,000 per Major surgery; $6,000 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
$6,000 per Confinement• If 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; and• This benefit is payable 1 time only during the whole Confinement period.

Event Benefits

Compassionate death benefit
身故保障
$20,000
Accidental Death benefit
意外身故保障
$20,000

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 – 無索償保費折扣易衛您醫療計劃（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或入住註冊復康中心，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/F00051/F00051-01-000-03-PlanDoc-c.pdf

Premium Schedule

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

Age	Male	Female
0	HK$6,646	HK$4,622
1	HK$6,646	HK$4,622
2	HK$6,646	HK$4,622
3	HK$6,646	HK$4,622
4	HK$5,349	HK$4,971
5	HK$5,349	HK$4,971
6	HK$5,349	HK$4,971
7	HK$5,349	HK$4,971
8	HK$5,349	HK$4,971
9	HK$5,349	HK$4,971
10	HK$5,349	HK$4,971
11	HK$5,349	HK$4,971
12	HK$5,349	HK$4,971
13	HK$5,349	HK$4,971
14	HK$5,349	HK$4,971
15	HK$5,349	HK$4,971
16	HK$5,349	HK$4,971
17	HK$5,349	HK$4,971
18	HK$5,257	HK$5,001
19	HK$4,206	HK$5,030
20	HK$4,247	HK$5,060
21	HK$4,219	HK$5,137
22	HK$4,160	HK$5,207
23	HK$4,198	HK$5,366
24	HK$4,249	HK$5,602
25	HK$4,454	HK$5,992
26	HK$4,727	HK$6,322
27	HK$4,993	HK$6,672
28	HK$5,274	HK$6,990
29	HK$5,522	HK$7,324
30	HK$5,745	HK$7,552
31	HK$5,936	HK$7,816
32	HK$6,151	HK$8,109
33	HK$6,334	HK$8,388
34	HK$6,551	HK$8,641
35	HK$6,649	HK$8,697
36	HK$6,695	HK$8,770
37	HK$6,705	HK$8,824
38	HK$6,713	HK$8,896
39	HK$6,721	HK$8,971
40	HK$6,822	HK$9,045
41	HK$7,105	HK$9,119
42	HK$7,413	HK$9,537
43	HK$7,670	HK$9,828
44	HK$8,023	HK$10,204
45	HK$8,417	HK$10,594
46	HK$8,823	HK$10,975
47	HK$9,442	HK$11,437
48	HK$9,937	HK$11,739
49	HK$10,452	HK$12,016
50	HK$10,592	HK$12,313
51	HK$10,688	HK$12,610
52	HK$11,368	HK$13,064
53	HK$11,939	HK$13,471
54	HK$12,524	HK$13,872
55	HK$13,345	HK$14,534
56	HK$14,190	HK$15,177
57	HK$15,254	HK$16,063
58	HK$16,097	HK$16,730
59	HK$16,922	HK$17,419
60	HK$18,293	HK$18,412
61	HK$19,458	HK$19,637
62	HK$20,935	HK$20,772
63	HK$22,285	HK$22,004
64	HK$23,654	HK$23,230
65	HK$25,369	HK$24,538
66	HK$27,068	HK$25,901
67	HK$29,113	HK$27,239
68	HK$30,862	HK$28,591
69	HK$32,602	HK$29,926
70	HK$35,827	HK$31,190
71	HK$38,058	HK$32,920
72	HK$40,533	HK$33,988
73	HK$41,983	HK$34,990
74	HK$42,933	HK$35,750
75	HK$44,440	HK$37,311
76	HK$46,070	HK$38,768
77	HK$48,596	HK$39,893
78	HK$50,277	HK$41,362
79	HK$51,940	HK$42,870
80	HK$57,439	HK$47,417
81	HK$59,349	HK$48,965
82	HK$62,633	HK$50,544
83	HK$64,436	HK$51,521
84	HK$66,464	HK$52,957
85	HK$68,817	HK$54,727
86	HK$71,123	HK$56,495
87	HK$74,871	HK$58,432
88	HK$76,922	HK$59,653
89	HK$79,211	HK$61,436
90	HK$84,595	HK$65,790
91	HK$87,350	HK$68,002
92	HK$92,075	HK$70,146
93	HK$94,527	HK$71,671
94	HK$97,381	HK$73,770
95	HK$99,829	HK$75,683
96	HK$102,187	HK$77,668
97	HK$106,659	HK$79,751
98	HK$108,774	HK$80,857
99	HK$111,206	HK$82,710

Other deductible options in this series

2 deductibles — same benefit schedule, premium scales with deductible

Standard

Current page

Superior

View details →

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Jun 2, 2025
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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