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VHIS Plan
vCANsurance Medical Plan - S
易衛您醫療計劃
FWD Life Insurance Company (Bermuda) Limited·2 plan options
vCANsurance Medical Plan - S is a VHIS Flexi plan offered by FWD Life Insurance Company (Bermuda) Limited, with ward class Ward, Worldwide (including United States) coverage and no overall annual benefit limit. Latest plan-document version: Jun 2, 2025.
01 · Plan options
2 options — premiums differ; deductible, ward class or cover may also differ02 · 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 |
|---|---|---|---|---|---|---|---|---|---|
| Standard | HK$6,646 | HK$5,349 | HK$4,247 | HK$5,745 | HK$6,822 | HK$10,592 | HK$18,293 | HK$35,827 | HK$57,439 |
| Superior | HK$9,130 | HK$8,355 | HK$7,883 | HK$10,707 | HK$12,876 | HK$21,233 | HK$37,380 | HK$65,018 | HK$97,014 |
| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| Standard | HK$4,622 | HK$4,971 | HK$5,060 | HK$7,552 | HK$9,045 | HK$12,313 | HK$18,412 | HK$31,190 | HK$47,417 |
| Superior | HK$8,020 | HK$7,575 | HK$7,907 | HK$10,893 | HK$13,664 | HK$20,707 | HK$33,784 | HK$54,939 | HK$83,616 |
How does vCANsurance compare with similar FWD plans?
| Item | vCANsurance (this plan) | vFamily | vBooster |
|---|---|---|---|
| Ward class | Ward | Ward | Ward |
| Annual benefit limit | No overall limit | No overall limit | HK$ |
| Per-illness limit per year | HK$ | HK$ | No overall limit |
| Yearly premiumMale, age 30 | HK$ | HK$ | HK$ |
| Yearly premiumMale, age 40 | HK$ | HK$ | HK$ |
| Deductible options | No deductible | No deductible | HK$ |
| Coverage area | Worldwide (including United States) | Worldwide (including United States) | 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 3.5% / 4 policies 7.5% / 5+ policies 15% | Basic discount2–4 claim-free years: 10%5+ claim-free years: 15%Additional: 2–3 policies 2.5% / 4 policies 5% / 5+ policies 10% |
| Suited to | People happy with a general ward who want a higher per-illness total | People happy with a general ward who want basic benefits paid in full | People happy with a general ward and Asia-only non-emergency cover who want an HK$ |
Source: each plan's benefit schedule and premium table on vhis.gov.hk (vCANsurance F00051; vFamily F00072; vBooster F00069, same premium for men and women). Premiums are yearly, for a man, on each plan's lowest tier and lowest deductible option.
Who is vCANsurance better suited to?
Better suited to
- People who want full reimbursement: basic benefits are paid in full with no annual or lifetime limit, but each illness is capped at HK$650,000 per policy year.
- People often treated abroad: apart from psychiatric treatment and the Hong Kong intensive-care cash benefit, all benefits apply worldwide.
- Families insuring young children: the plan's general exclusions do not include unknown congenital conditions diagnosed before age 8 (pre-existing condition and other terms still apply).
May not suit
- People on a tighter budget: vFamily costs about 14% less for a 30-year-old man, with up to HK$550,000 per illness per policy year.
- People worried one illness could cost more than HK$650,000 who accept Asia-only cover: vBooster has an annual benefit limit of HK$8 million (see the table for per-illness limits), covers non-emergency treatment in Asia only, and offers deductible options.
What to know before buying vCANsurance
- Each illness has a total cap: Each illness is paid up to HK$650,000 per policy year.
- A higher ward class reduces the payout: If you choose a room above a standard general ward, only a percentage of that day's eligible expenses counts (50% for a semi-private room, 25% for a private room, 12.5% 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.
- Premiums rise with age: Yearly premium for a man: HK$5,745 at age 30, HK$6,822 at 40 and HK$18,293 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.
- Official benefit schedule
- VHIS.gov.hk benefit schedule PDF
- Schedule effective date
- Jun 2, 2025
- Plan data updated
- 2026-04-25