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vTheOne Medical Plan - Standard Plus (HKD250,000 Deductible)
至．衛一醫療計劃 - 標準優越版（250,000 港元自付費）
FWD Life Insurance Company (Bermuda) Limited
vTheOne Medical Plan - Standard Plus (HKD250,000 Deductible) is a VHIS Flexi plan offered by FWD Life Insurance Company (Bermuda) Limited, with ward class Standard Private Room, Asia incl. AU/NZ coverage, HK$35,000,000 annual benefit limit and HK$250,000 deductible. Latest plan-document version: Jun 2, 2025.
Your premium
HK$4,359 /yr
age
HK$Plan at a glance
- Ward class
- Standard Private Room
- Coverage region
- Asia incl. AU/NZ
- Deductible
- HK$250,000
- Annual benefit limit
- HK$35,000,000
- Per-illness annual limit
- —
- Lifetime benefit limit
- No cap
- SMM Supplemental Major Medical
- HK$1,500,000／per policy year
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• All 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 Procedure• All 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 | Confined in Hospital in Hong Kong: Full reimbursement of Eligible Expenses; Confined in a hospital on the designated Mainland China hospital list: $40,000 per Policy YearR&C In designated Mainland China hospitals: per policy year HK$40,000 |
| Extra Benefits | |
Reconstructive surgery for specified conditions 重建手術保障 | Per Accident / per mastectomy: $200,000 |
Medical implants / prosthetic devices 重建手術的醫療裝置保 | $120,000 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 |
Rehabilitation benefit 復康治療 | $120,000 per Policy Year |
Post-stroke home equipment upgrade 中風復康治療 (a) 家居設備提升保障 | $100,000 per Accident |
Post-stroke rehabilitation visits 中風復康治療 (b) 中風輔助保障 | $1,200 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $120,000 per Accident |
Hospice and palliative care benefit 善終服務 | $120,000 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 |
Home nursing 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 |
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 |
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 |
Phase III clinical trial drug benefit 第三期及第四期指定癌症及無法治癒的血液系統惡性腫瘤之第三期臨床試驗藥物賠償 | $250,000 per Policy Year (For any Reasonable and Customary charges and/or expenses incurred and reimbursable under this benefit item outside Greater China, such Reasonable and Customary charges and/or expenses shall be reduced to 60% when calculating the total amount payable) |
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） | $700 - $1,400 per surgery |
Second-claim cash allowanceAfter other pays 額外現金補貼保障 | $600 per day of Confinement, maximum 60 days 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 – $1,500 per Major surgery; $3,000 per Complex surgery; up to 1 Major or Complex surgery per day |
ICU confinement cash benefit (Hong Kong) 於香港入住深切治療部 | $3,000 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 | $1,000 per day of Confinement, maximum 30 days per Policy Year |
| Event Benefits | |
Stroke disability allowance benefit 中風復康治療 (c) 傷殘津貼保障 | $12,000 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 Expenses• All 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 Procedure• All 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Confined in Hospital in Hong Kong: Full reimbursement of Eligible Expenses; Confined in a hospital on the designated Mainland China hospital list: $40,000 per Policy YearR&CIn designated Mainland China hospitals: per policy year HK$40,000
Extra Benefits
- Reconstructive surgery for specified conditions重建手術保障Per Accident / per mastectomy: $200,000
- Medical implants / prosthetic devices重建手術的醫療裝置保$120,000 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
- Rehabilitation benefit復康治療$120,000 per Policy Year
- Post-stroke home equipment upgrade中風復康治療 (a) 家居設備提升保障$100,000 per Accident
- Post-stroke rehabilitation visits中風復康治療 (b) 中風輔助保障$1,200 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $120,000 per Accident
- Hospice and palliative care benefit善終服務$120,000 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
- Home nursing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
- 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
- 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
- Phase III clinical trial drug benefit第三期及第四期指定癌症及無法治癒的血液系統惡性腫瘤之第三期臨床試驗藥物賠償$250,000 per Policy Year (For any Reasonable and Customary charges and/or expenses incurred and reimbursable under this benefit item outside Greater China, such Reasonable and Customary charges and/or expenses shall be reduced to 60% when calculating the total amount payable)
- 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）$700 - $1,400 per surgery
- Second-claim cash allowanceAfter other pays額外現金補貼保障$600 per day of Confinement, maximum 60 days 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 – $1,500 per Major surgery; $3,000 per Complex surgery; up to 1 Major or Complex surgery per day
- ICU confinement cash benefit (Hong Kong)於香港入住深切治療部$3,000 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$1,000 per day of Confinement, maximum 30 days per Policy Year
Event Benefits
- Stroke disability allowance benefit中風復康治療 (c) 傷殘津貼保障$12,000 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
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 | 10% |
| 3 yrs | 10% |
| 4 yrs | 10% |
| 5 yrs | 15% |
Verbatim clause
補充文件 – 無索償保費折扣、 補充文件 – 賠償限制及 保障表 內出現的 詞語，而該等定義只適用於這些 補充文件 及 保障表 。 「 指定醫療服務提供者 」 就本保障而言，指定醫療服務提供者是指已與本公司 達成有效書面協議的醫療服務提供者，其所設有的醫 療網絡（包括但不限於為日症病人提供醫療服務設備 的診所、日間手術中心或醫院）為受保人提供醫療服 務。
https://www.vhis.gov.hk/doc/certifiedplan/fp/F00067/F00067-01-000-02-PlanDoc-c.pdf
Premium Schedule
Annual premium · Single rate (gender / smoking agnostic) · HKD
| Age | Premium |
|---|---|
| 0 | HK$3,761 |
| 5 | HK$3,761 |
| 10 | HK$3,761 |
| 15 | HK$3,802 |
| 20 | HK$4,172 |
| 25 | HK$4,252 |
| 30 | HK$4,359 |
| 35 | HK$4,845 |
| 40 | HK$5,188 |
| 45 | HK$6,847 |
| 50 | HK$8,902 |
| 55 | HK$11,541 |
| 60 | HK$14,485 |
| 65 | HK$19,517 |
| 70 | HK$26,269 |
| 75 | HK$34,585 |
| 80 | HK$42,411 |
| 85 | HK$51,886 |
| 90 | HK$57,730 |
| 95 | HK$62,293 |
| 99 | HK$65,865 |
Other deductible options in this series
24 deductibles — same benefit schedule, premium scales with deductible
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HK$120K
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HK$250K
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HK$250K
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HK$250K
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Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.
Notes & sources
- Official benefit schedule
- VHIS.gov.hk benefit schedule PDF
- Official premium schedule
- VHIS.gov.hk premium schedule PDF
- Schedule effective date
- Jun 2, 2025
- Plan data updated
- 2026-04-25
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