VHIS Flexi · F00067-21-000-02

vTheOne Medical Plan - Premier (HKD40,000 Deductible)

至．衛一醫療計劃 - 優等（40,000 港元自付費）

FWD Life Insurance Company (Bermuda) Limited

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Your premium

HK$17,149 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide

Deductible

HK$40,000

Annual benefit limit

HK$26,000,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

HK$2,500,000

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 ExpensesAll 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 ProcedureAll 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
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障	$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
Cancer / cardiac / stroke 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 90 days per Policy Year, limited to services provided by 1 registered nurse per dayR&C
Daily post-surgery home nursing benefit 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 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.
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	$600,000 per Policy Year (For any Reasonable and Customary charges and/or expenses incurred outside Greater China that are payable under this benefit item, the Reasonable and Customary charges and/or expenses incurred shall be reduced to 60% in calculating the total benefit 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）	$1,800 - $3,600 per surgery
Second-claim cash allowanceAfter other pays 額外現金補貼保障	$1,100 per day of Confinement, maximum 60 days per Policy Year
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	$1,800 per day of Confinement, maximum 30 days 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 – $15,000 per Major surgery; $30,000 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	$30,000 per ConfinementIf 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; andThis benefit is payable 1 time only during the whole Confinement period.
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	$80,000
Accidental Death benefit 意外身故保障	$80,000

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 ExpensesAll 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 ProcedureAll 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

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障
$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
Cancer / cardiac / stroke 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 90 days per Policy Year, limited to services provided by 1 registered nurse per dayR&C
Daily post-surgery home nursing benefit
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 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.
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
$600,000 per Policy Year (For any Reasonable and Customary charges and/or expenses incurred outside Greater China that are payable under this benefit item, the Reasonable and Customary charges and/or expenses incurred shall be reduced to 60% in calculating the total benefit 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）
$1,800 - $3,600 per surgery
Second-claim cash allowanceAfter other pays
額外現金補貼保障
$1,100 per day of Confinement, maximum 60 days per Policy Year
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
$1,800 per day of Confinement, maximum 30 days 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 – $15,000 per Major surgery; $30,000 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
$30,000 per ConfinementIf 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; andThis benefit is payable 1 time only during the whole Confinement period.

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
$80,000
Accidental Death benefit
意外身故保障
$80,000

Premium Schedule

Annual premium · Single rate (gender / smoking agnostic) · HKD

Age	Premium
0	HK$11,922
1	HK$11,922
2	HK$11,922
3	HK$11,922
4	HK$11,922
5	HK$11,922
6	HK$11,922
7	HK$11,922
8	HK$11,922
9	HK$11,922
10	HK$11,922
11	HK$11,922
12	HK$11,922
13	HK$11,922
14	HK$11,922
15	HK$12,117
16	HK$12,317
17	HK$14,266
18	HK$14,693
19	HK$15,152
20	HK$15,483
21	HK$15,569
22	HK$15,655
23	HK$15,739
24	HK$15,828
25	HK$15,976
26	HK$16,124
27	HK$16,271
28	HK$16,615
29	HK$16,881
30	HK$17,149
31	HK$17,359
32	HK$17,808
33	HK$18,253
34	HK$18,511
35	HK$18,789
36	HK$19,022
37	HK$19,457
38	HK$19,762
39	HK$20,149
40	HK$21,093
41	HK$22,037
42	HK$22,981
43	HK$23,925
44	HK$25,069
45	HK$26,191
46	HK$27,307
47	HK$28,417
48	HK$29,525
49	HK$30,623
50	HK$32,158
51	HK$33,685
52	HK$35,208
53	HK$36,720
54	HK$38,229
55	HK$40,794
56	HK$43,361
57	HK$45,935
58	HK$48,515
59	HK$51,357
60	HK$55,005
61	HK$56,835
62	HK$60,368
63	HK$63,562
64	HK$66,695
65	HK$69,976
66	HK$73,587
67	HK$77,493
68	HK$81,806
69	HK$86,162
70	HK$91,343
71	HK$96,590
72	HK$102,261
73	HK$107,557
74	HK$113,099
75	HK$116,769
76	HK$122,537
77	HK$128,981
78	HK$133,691
79	HK$137,676
80	HK$145,098
81	HK$153,246
82	HK$159,216
83	HK$162,783
84	HK$166,166
85	HK$176,786
86	HK$179,866
87	HK$183,114
88	HK$186,394
89	HK$189,701
90	HK$193,038
91	HK$196,256
92	HK$199,649
93	HK$203,073
94	HK$206,524
95	HK$210,005
96	HK$213,362
97	HK$216,899
98	HK$220,466
99	HK$224,032

Other deductible options in this series

24 deductibles — same benefit schedule, premium scales with deductible

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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