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VHIS Flexi · F00051-02-000-03

vCANsurance Medical Plan - Superior

易衛您醫療計劃 - 特等

FWD Life Insurance Company (Bermuda) Limited

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

Data version: Jun 2, 2025

Your premium

HK$10,707 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

No cap

Per-illness annual limit

HK$850,000

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

HK$850,000／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	$30,000 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保	Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $4,000 per Major surgery; $8,000 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的現金保障	$8,000 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.
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	$800 per day of Confinement, maximum 30 days per Disability per Policy Year
Event Benefits
Compassionate death benefit 身故保障	$30,000
Accidental Death benefit 意外身故保障	$30,000

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
$30,000 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保
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $4,000 per Major surgery; $8,000 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的現金保障
$8,000 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.
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
$800 per day of Confinement, maximum 30 days per Disability per Policy Year

Event Benefits

Compassionate death benefit
身故保障
$30,000
Accidental Death benefit
意外身故保障
$30,000

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$9,130	HK$8,020
1	HK$9,130	HK$8,020
2	HK$9,130	HK$8,020
3	HK$9,130	HK$8,020
4	HK$8,355	HK$7,575
5	HK$8,355	HK$7,575
6	HK$8,355	HK$7,575
7	HK$8,355	HK$7,575
8	HK$8,355	HK$7,575
9	HK$8,355	HK$7,575
10	HK$8,355	HK$7,575
11	HK$8,355	HK$7,575
12	HK$8,355	HK$7,575
13	HK$8,355	HK$7,575
14	HK$8,355	HK$7,575
15	HK$8,355	HK$7,575
16	HK$8,236	HK$7,470
17	HK$8,380	HK$7,434
18	HK$8,340	HK$7,402
19	HK$7,988	HK$7,533
20	HK$7,883	HK$7,907
21	HK$7,818	HK$8,357
22	HK$8,070	HK$8,454
23	HK$8,252	HK$8,475
24	HK$8,689	HK$8,745
25	HK$9,243	HK$8,845
26	HK$9,803	HK$8,945
27	HK$9,826	HK$9,668
28	HK$9,849	HK$10,187
29	HK$10,334	HK$10,512
30	HK$10,707	HK$10,893
31	HK$11,082	HK$11,276
32	HK$11,292	HK$11,665
33	HK$11,666	HK$12,057
34	HK$11,772	HK$12,238
35	HK$11,897	HK$12,340
36	HK$12,099	HK$12,594
37	HK$12,493	HK$12,696
38	HK$12,504	HK$12,828
39	HK$12,707	HK$13,004
40	HK$12,876	HK$13,664
41	HK$13,634	HK$13,983
42	HK$14,595	HK$14,630
43	HK$14,898	HK$15,276
44	HK$16,057	HK$15,983
45	HK$16,763	HK$16,678
46	HK$17,470	HK$17,770
47	HK$18,309	HK$18,479
48	HK$19,018	HK$19,187
49	HK$20,585	HK$19,807
50	HK$21,233	HK$20,707
51	HK$22,177	HK$20,923
52	HK$24,104	HK$22,921
53	HK$25,093	HK$23,859
54	HK$26,331	HK$24,797
55	HK$27,842	HK$26,219
56	HK$30,900	HK$27,640
57	HK$32,800	HK$27,772
58	HK$34,411	HK$29,132
59	HK$36,016	HK$30,490
60	HK$37,380	HK$33,784
61	HK$39,813	HK$36,041
62	HK$41,200	HK$37,619
63	HK$43,640	HK$39,719
64	HK$46,076	HK$41,794
65	HK$49,068	HK$43,124
66	HK$53,360	HK$44,796
67	HK$54,782	HK$46,922
68	HK$57,711	HK$50,959
69	HK$61,453	HK$53,199
70	HK$65,018	HK$54,939
71	HK$69,150	HK$55,082
72	HK$71,299	HK$61,065
73	HK$73,477	HK$62,622
74	HK$74,331	HK$63,712
75	HK$76,663	HK$66,167
76	HK$79,922	HK$69,111
77	HK$84,172	HK$70,557
78	HK$86,740	HK$72,838
79	HK$96,364	HK$75,161
80	HK$97,014	HK$83,616
81	HK$104,881	HK$86,377
82	HK$106,019	HK$88,964
83	HK$109,145	HK$90,651
84	HK$112,589	HK$93,234
85	HK$116,603	HK$96,403
86	HK$125,937	HK$99,567
87	HK$129,544	HK$102,722
88	HK$133,484	HK$104,811
89	HK$136,018	HK$107,999
90	HK$137,300	HK$108,801
91	HK$138,359	HK$110,581
92	HK$146,119	HK$113,844
93	HK$146,418	HK$116,252
94	HK$150,921	HK$119,740
95	HK$154,832	HK$122,922
96	HK$155,855	HK$126,217
97	HK$158,652	HK$129,329
98	HK$161,445	HK$131,105
99	HK$168,111	HK$136,519

Other deductible options in this series

2 deductibles — same benefit schedule, premium scales with deductible

Standard

View details →

Superior

Current page

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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