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VHIS Plan

vTheOne Medical Plan

至．衛一醫療計劃

FWD Life Insurance Company (Bermuda) Limited·24 plan options

VHIS Flexi

vTheOne Medical Plan is a VHIS Flexi plan offered by FWD Life Insurance Company (Bermuda) Limited, with ward class Standard Private Room, Asia incl. AU/NZ coverage and HK$12,000,000 annual benefit limit. Latest plan-document version: Jun 2, 2025.

01 · Plan options

24 options — premiums differ; deductible, ward class or cover may also differ

Plan option

Standard (HKD0 Deductible)

Deductible HKD 0 deductible

Entry premium (Age 30 any gender)

HK$19,531 /yr

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Plan option

Standard Plus (HKD0 Deductible)

Deductible HKD 0 deductible

Entry premium (Age 30 any gender)

HK$20,702 /yr

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Plan option

Superior (HKD0 Deductible)

Deductible HKD 0 deductible

Entry premium (Age 30 any gender)

HK$29,286 /yr

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Plan option

Premier (HKD0 Deductible)

Deductible HKD 0 deductible

Entry premium (Age 30 any gender)

HK$44,163 /yr

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Plan option

Standard (HKD25,000 Deductible)

Deductible 25,000 HKD deductible

Entry premium (Age 30 any gender)

HK$12,157 /yr

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Plan option

Standard Plus (HKD25,000 Deductible)

Deductible 25,000 HKD deductible

Entry premium (Age 30 any gender)

HK$12,886 /yr

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Plan option

Superior (HKD25,000 Deductible)

Deductible 25,000 HKD deductible

Entry premium (Age 30 any gender)

HK$17,668 /yr

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Plan option

Premier (HKD25,000 Deductible)

Deductible 25,000 HKD deductible

Entry premium (Age 30 any gender)

HK$28,335 /yr

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Plan option

Standard (HKD40,000 Deductible)

Deductible 40,000 HKD deductible

Entry premium (Age 30 any gender)

HK$6,741 /yr

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Plan option

Standard Plus (HKD40,000 Deductible)

Deductible 40,000 HKD deductible

Entry premium (Age 30 any gender)

HK$7,146 /yr

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Plan option

Superior (HKD40,000 Deductible)

Deductible 40,000 HKD deductible

Entry premium (Age 30 any gender)

HK$11,097 /yr

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Plan option

Premier (HKD40,000 Deductible)

Deductible 40,000 HKD deductible

Entry premium (Age 30 any gender)

HK$17,149 /yr

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Plan option

Standard (HKD80,000 Deductible)

Deductible 80,000 HKD deductible

Entry premium (Age 30 any gender)

HK$5,722 /yr

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Plan option

Standard Plus (HKD80,000 Deductible)

Deductible 80,000 HKD deductible

Entry premium (Age 30 any gender)

HK$6,065 /yr

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Plan option

Superior (HKD80,000 Deductible)

Deductible 80,000 HKD deductible

Entry premium (Age 30 any gender)

HK$9,143 /yr

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Plan option

Premier (HKD80,000 Deductible)

Deductible 80,000 HKD deductible

Entry premium (Age 30 any gender)

HK$14,225 /yr

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Plan option

Standard (HKD120,000 Deductible)

Deductible 120,000 HKD deductible

Entry premium (Age 30 any gender)

HK$4,577 /yr

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Plan option

Standard Plus (HKD120,000 Deductible)

Deductible 120,000 HKD deductible

Entry premium (Age 30 any gender)

HK$4,943 /yr

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Plan option

Superior (HKD120,000 Deductible)

Deductible 120,000 HKD deductible

Entry premium (Age 30 any gender)

HK$7,590 /yr

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Plan option

Premier (HKD120,000 Deductible)

Deductible 120,000 HKD deductible

Entry premium (Age 30 any gender)

HK$11,736 /yr

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Plan option

Standard (HKD250,000 Deductible)

Deductible 250,000 HKD deductible

Entry premium (Age 30 any gender)

HK$3,963 /yr

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Plan option

Standard Plus (HKD250,000 Deductible)

Deductible 250,000 HKD deductible

Entry premium (Age 30 any gender)

HK$4,359 /yr

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Plan option

Superior (HKD250,000 Deductible)

Deductible 250,000 HKD deductible

Entry premium (Age 30 any gender)

HK$6,466 /yr

View details →

Plan option

Premier (HKD250,000 Deductible)

Deductible 250,000 HKD deductible

Entry premium (Age 30 any gender)

HK$10,176 /yr

View details →

02 · Premiums by age

Yearly premium of every option by age and sex

Standard yearly premium for non-smokers, before the premium levy (Male)
Plan option	Age 0	Age 10	Age 20	Age 30	Age 40	Age 50	Age 60	Age 70	Age 80
Standard (HKD0 Deductible)Deductible HKD 0 deductible	HK$17,214	HK$17,214	HK$17,266	HK$19,531	HK$24,360	HK$39,600	HK$66,915	HK$120,124	HK$192,728
Standard Plus (HKD0 Deductible)Deductible HKD 0 deductible	HK$18,247	HK$18,247	HK$18,302	HK$20,702	HK$25,822	HK$41,977	HK$70,929	HK$127,332	HK$204,291
Superior (HKD0 Deductible)Deductible HKD 0 deductible	HK$21,667	HK$21,667	HK$24,730	HK$29,286	HK$35,893	HK$52,784	HK$93,386	HK$153,345	HK$245,090
Premier (HKD0 Deductible)Deductible HKD 0 deductible	HK$35,178	HK$35,178	HK$39,716	HK$44,163	HK$54,472	HK$82,853	HK$142,563	HK$235,786	HK$372,854
Standard (HKD25,000 Deductible)Deductible 25,000 HKD deductible	HK$10,719	HK$10,719	HK$10,748	HK$12,157	HK$15,141	HK$24,649	HK$41,652	HK$74,794	HK$120,138
Standard Plus (HKD25,000 Deductible)Deductible 25,000 HKD deductible	HK$11,362	HK$11,362	HK$11,393	HK$12,886	HK$16,050	HK$26,128	HK$44,152	HK$79,282	HK$127,347
Superior (HKD25,000 Deductible)Deductible 25,000 HKD deductible	HK$13,076	HK$13,076	HK$14,920	HK$17,668	HK$21,655	HK$31,845	HK$56,340	HK$92,542	HK$148,079
Premier (HKD25,000 Deductible)Deductible 25,000 HKD deductible	HK$22,579	HK$22,579	HK$25,482	HK$28,335	HK$34,950	HK$53,159	HK$91,471	HK$151,328	HK$239,574
Standard (HKD40,000 Deductible)Deductible 40,000 HKD deductible	HK$4,960	HK$4,960	HK$5,716	HK$6,741	HK$8,721	HK$13,621	HK$22,620	HK$42,740	HK$68,163
Standard Plus (HKD40,000 Deductible)Deductible 40,000 HKD deductible	HK$5,447	HK$5,447	HK$6,173	HK$7,146	HK$9,244	HK$14,439	HK$23,977	HK$45,304	HK$72,253
Superior (HKD40,000 Deductible)Deductible 40,000 HKD deductible	HK$7,324	HK$7,324	HK$9,424	HK$11,097	HK$13,213	HK$19,204	HK$33,718	HK$57,711	HK$91,310
Premier (HKD40,000 Deductible)Deductible 40,000 HKD deductible	HK$11,922	HK$11,922	HK$15,483	HK$17,149	HK$21,093	HK$32,158	HK$55,005	HK$91,343	HK$145,098
Standard (HKD80,000 Deductible)Deductible 80,000 HKD deductible	HK$4,592	HK$4,592	HK$5,013	HK$5,722	HK$7,144	HK$12,143	HK$19,944	HK$37,539	HK$61,309
Standard Plus (HKD80,000 Deductible)Deductible 80,000 HKD deductible	HK$5,143	HK$5,143	HK$5,314	HK$6,065	HK$7,573	HK$12,872	HK$21,141	HK$39,792	HK$64,987
Superior (HKD80,000 Deductible)Deductible 80,000 HKD deductible	HK$6,449	HK$6,449	HK$8,750	HK$9,143	HK$10,589	HK$16,253	HK$29,000	HK$48,549	HK$79,324
Premier (HKD80,000 Deductible)Deductible 80,000 HKD deductible	HK$10,275	HK$10,275	HK$13,127	HK$14,225	HK$17,504	HK$26,533	HK$45,215	HK$75,629	HK$120,282
Standard (HKD120,000 Deductible)Deductible 120,000 HKD deductible	HK$3,766	HK$3,766	HK$4,262	HK$4,577	HK$5,716	HK$9,958	HK$15,955	HK$29,844	HK$48,741
Standard Plus (HKD120,000 Deductible)Deductible 120,000 HKD deductible	HK$4,330	HK$4,330	HK$4,688	HK$4,943	HK$6,059	HK$10,556	HK$16,912	HK$31,635	HK$51,665
Superior (HKD120,000 Deductible)Deductible 120,000 HKD deductible	HK$5,546	HK$5,546	HK$7,263	HK$7,590	HK$8,788	HK$13,490	HK$23,345	HK$38,839	HK$63,459
Premier (HKD120,000 Deductible)Deductible 120,000 HKD deductible	HK$8,734	HK$8,734	HK$10,895	HK$11,736	HK$14,090	HK$21,359	HK$36,398	HK$60,881	HK$96,827
Standard (HKD250,000 Deductible)Deductible 250,000 HKD deductible	HK$3,214	HK$3,214	HK$3,793	HK$3,963	HK$4,895	HK$8,243	HK$13,537	HK$24,782	HK$40,010
Standard Plus (HKD250,000 Deductible)Deductible 250,000 HKD deductible	HK$3,761	HK$3,761	HK$4,172	HK$4,359	HK$5,188	HK$8,902	HK$14,485	HK$26,269	HK$42,411
Superior (HKD250,000 Deductible)Deductible 250,000 HKD deductible	HK$4,867	HK$4,867	HK$6,273	HK$6,466	HK$7,701	HK$11,541	HK$19,684	HK$32,551	HK$52,574
Premier (HKD250,000 Deductible)Deductible 250,000 HKD deductible	HK$7,830	HK$7,830	HK$9,732	HK$10,176	HK$12,247	HK$18,010	HK$30,690	HK$51,319	HK$81,525

Standard yearly premium for non-smokers, before the premium levy (Female)
Plan option	Age 0	Age 10	Age 20	Age 30	Age 40	Age 50	Age 60	Age 70	Age 80
Standard (HKD0 Deductible)Deductible HKD 0 deductible	HK$17,214	HK$17,214	HK$17,266	HK$19,531	HK$24,360	HK$39,600	HK$66,915	HK$120,124	HK$192,728
Standard Plus (HKD0 Deductible)Deductible HKD 0 deductible	HK$18,247	HK$18,247	HK$18,302	HK$20,702	HK$25,822	HK$41,977	HK$70,929	HK$127,332	HK$204,291
Superior (HKD0 Deductible)Deductible HKD 0 deductible	HK$21,667	HK$21,667	HK$24,730	HK$29,286	HK$35,893	HK$52,784	HK$93,386	HK$153,345	HK$245,090
Premier (HKD0 Deductible)Deductible HKD 0 deductible	HK$35,178	HK$35,178	HK$39,716	HK$44,163	HK$54,472	HK$82,853	HK$142,563	HK$235,786	HK$372,854
Standard (HKD25,000 Deductible)Deductible 25,000 HKD deductible	HK$10,719	HK$10,719	HK$10,748	HK$12,157	HK$15,141	HK$24,649	HK$41,652	HK$74,794	HK$120,138
Standard Plus (HKD25,000 Deductible)Deductible 25,000 HKD deductible	HK$11,362	HK$11,362	HK$11,393	HK$12,886	HK$16,050	HK$26,128	HK$44,152	HK$79,282	HK$127,347
Superior (HKD25,000 Deductible)Deductible 25,000 HKD deductible	HK$13,076	HK$13,076	HK$14,920	HK$17,668	HK$21,655	HK$31,845	HK$56,340	HK$92,542	HK$148,079
Premier (HKD25,000 Deductible)Deductible 25,000 HKD deductible	HK$22,579	HK$22,579	HK$25,482	HK$28,335	HK$34,950	HK$53,159	HK$91,471	HK$151,328	HK$239,574
Standard (HKD40,000 Deductible)Deductible 40,000 HKD deductible	HK$4,960	HK$4,960	HK$5,716	HK$6,741	HK$8,721	HK$13,621	HK$22,620	HK$42,740	HK$68,163
Standard Plus (HKD40,000 Deductible)Deductible 40,000 HKD deductible	HK$5,447	HK$5,447	HK$6,173	HK$7,146	HK$9,244	HK$14,439	HK$23,977	HK$45,304	HK$72,253
Superior (HKD40,000 Deductible)Deductible 40,000 HKD deductible	HK$7,324	HK$7,324	HK$9,424	HK$11,097	HK$13,213	HK$19,204	HK$33,718	HK$57,711	HK$91,310
Premier (HKD40,000 Deductible)Deductible 40,000 HKD deductible	HK$11,922	HK$11,922	HK$15,483	HK$17,149	HK$21,093	HK$32,158	HK$55,005	HK$91,343	HK$145,098
Standard (HKD80,000 Deductible)Deductible 80,000 HKD deductible	HK$4,592	HK$4,592	HK$5,013	HK$5,722	HK$7,144	HK$12,143	HK$19,944	HK$37,539	HK$61,309
Standard Plus (HKD80,000 Deductible)Deductible 80,000 HKD deductible	HK$5,143	HK$5,143	HK$5,314	HK$6,065	HK$7,573	HK$12,872	HK$21,141	HK$39,792	HK$64,987
Superior (HKD80,000 Deductible)Deductible 80,000 HKD deductible	HK$6,449	HK$6,449	HK$8,750	HK$9,143	HK$10,589	HK$16,253	HK$29,000	HK$48,549	HK$79,324
Premier (HKD80,000 Deductible)Deductible 80,000 HKD deductible	HK$10,275	HK$10,275	HK$13,127	HK$14,225	HK$17,504	HK$26,533	HK$45,215	HK$75,629	HK$120,282
Standard (HKD120,000 Deductible)Deductible 120,000 HKD deductible	HK$3,766	HK$3,766	HK$4,262	HK$4,577	HK$5,716	HK$9,958	HK$15,955	HK$29,844	HK$48,741
Standard Plus (HKD120,000 Deductible)Deductible 120,000 HKD deductible	HK$4,330	HK$4,330	HK$4,688	HK$4,943	HK$6,059	HK$10,556	HK$16,912	HK$31,635	HK$51,665
Superior (HKD120,000 Deductible)Deductible 120,000 HKD deductible	HK$5,546	HK$5,546	HK$7,263	HK$7,590	HK$8,788	HK$13,490	HK$23,345	HK$38,839	HK$63,459
Premier (HKD120,000 Deductible)Deductible 120,000 HKD deductible	HK$8,734	HK$8,734	HK$10,895	HK$11,736	HK$14,090	HK$21,359	HK$36,398	HK$60,881	HK$96,827
Standard (HKD250,000 Deductible)Deductible 250,000 HKD deductible	HK$3,214	HK$3,214	HK$3,793	HK$3,963	HK$4,895	HK$8,243	HK$13,537	HK$24,782	HK$40,010
Standard Plus (HKD250,000 Deductible)Deductible 250,000 HKD deductible	HK$3,761	HK$3,761	HK$4,172	HK$4,359	HK$5,188	HK$8,902	HK$14,485	HK$26,269	HK$42,411
Superior (HKD250,000 Deductible)Deductible 250,000 HKD deductible	HK$4,867	HK$4,867	HK$6,273	HK$6,466	HK$7,701	HK$11,541	HK$19,684	HK$32,551	HK$52,574
Premier (HKD250,000 Deductible)Deductible 250,000 HKD deductible	HK$7,830	HK$7,830	HK$9,732	HK$10,176	HK$12,247	HK$18,010	HK$30,690	HK$51,319	HK$81,525

Compare all plans by age →

How does vTheOne compare with similar FWD plans?

Item	vTheOne (this plan)	vPrime	vPrime Signature
Ward class	Standard Private Room	Semi-Private Room（HK / Macau / Mainland）Standard Private Room（Rest of Asia / outside Asia emergencies）	Semi-Private Room（HK / Macau / Mainland）Standard Private Room（Rest of Asia / outside Asia emergencies）
Annual benefit limit	HK$12,000,000After the HK$12,000,000 base policy-year limit is exhausted, an extra HK$4,000,000 applies ONLY to eligible expenses incurred within Greater China (Hong Kong, Macau, Mainland China and Taiwan), not outside Greater China.	HK$16,500,000	HK$15,000,000
Yearly premiumMale, age 30	HK$19,531	HK$14,265	HK$12,058
Yearly premiumMale, age 40	HK$24,360	HK$17,000	HK$14,368
Deductible options	HK$0 / HK$25,000 / HK$40,000 / HK$80,000 / HK$120,000 / HK$250,000	HK$0 / HK$16,000 / HK$25,000 / HK$50,000 / HK$100,000 / HK$250,000	HK$0 / HK$16,000 / HK$25,000 / HK$50,000 / HK$100,000 / HK$250,000
Coverage area	Asia incl. AU/NZ	Asia incl. AU/NZ	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: 10%5+ claim-free years: 15%Additional: 2–3 policies 2.5% / 4 policies 5% / 5+ policies 10%	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 2.5% / 4 policies 5% / 5+ policies 10%
Extra cover for cancer, dialysis and organ transplants (per year)	HK$1,500,000	HK$2,500,000	HK$2,000,000
Suited to	People who want a standard private room and want to choose a benefit level by where they are treated	People happy with a semi-private room who want a high yearly limit	People happy with a semi-private room who may want a worldwide (excluding the US) benefit level

Source: each plan's benefit schedule and premium table on vhis.gov.hk (vTheOne F00067, same premium for men and women; vPrime F00045, same premium for men and women; vPrime Signature F00070, same premium for men and women). Premiums are yearly, for a man, on each plan's lowest tier and lowest deductible option.

Who is vTheOne better suited to?

Better suited to

People who want a standard private room: this plan's eligible ward class is a standard private room.
People often treated outside Asia: you can choose the Superior benefit level (worldwide except the US) or the Premier level (worldwide).
People willing to take a higher deductible for a lower premium: the deductible options are in the table above, and a higher deductible means a lower premium.
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 happy with a semi-private room: vPrime has an annual benefit limit of HK$16.5 million (this plan's Standard level: HK$12 million), and its yearly premium at age 30 is about 27% lower.
People on a tighter budget who are also happy with a semi-private room: vPrime Signature costs about HK$12,058 a year at age 30, about 38% less than this plan, with an annual benefit limit of HK$15 million.

What to know before buying vTheOne

The annual limit has two parts: The Standard level's annual benefit limit is HK$12 million. Once it is used up, only eligible expenses incurred in Greater China (Hong Kong, Macau, mainland China and Taiwan) can be paid from an extra HK$4 million.
Premiums rise with age: Yearly premium at the Standard level with a HK$0 deductible: HK$19,531 at age 30, HK$24,360 at 40 and HK$66,915 at 60. The insurer may adjust standard premiums at renewal.
Less cover for non-emergency treatment outside Asia: At the Standard and Standard Plus levels, non-emergency treatment outside Asia is paid only up to the VHIS Standard Plan's benefit limits for basic benefits, and some enhanced benefits are not paid. If you need more, choose Superior or Premier.
A higher ward class reduces the payout: If you choose a room above a standard private room, only 25% of that day's eligible expenses counts, 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.
The no-claim discount needs two claim-free years: Two policy years in a row with no claims cut the renewal premium by 10%; five years or more cut it by 15%.
You pay the deductible first: With a deductible, you pay eligible expenses each policy year up to the deductible amount before the plan pays the rest.
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.

Why so many deductible options?

The deductible is a fixed amount the insured must pay out-of-pocket each policy year before the insurer reimburses anything. The insurer only pays the portion above the deductible. A single VHIS-certified plan can offer multiple deductible levels — a higher deductible means a lower premium; a lower deductible means faster payouts but a higher premium. Which level fits depends on your cash buffer, any MPF/employer medical top-up, and whether you intend to stay in a private or semi-private ward.

Deductibles FAQ →

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Schedule effective date: Jun 2, 2025
Plan data updated: 2026-04-25