VHIS Flexi · F00067-03-000-02

vTheOne Medical Plan - Standard (HKD40,000 Deductible)

至．衛一醫療計劃 - 標準（40,000 港元自付費）

FWD Life Insurance Company (Bermuda) Limited

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Your premium

HK$6,741 /yr

age

Ward class

Standard Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$40,000

Annual benefit limit

HK$16,000,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

HK$1,500,000

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 30 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(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. $1,500,000 per Policy Year
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. $1,500,000 per Policy Year
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. $1,500,000 per Policy Year
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	$500,000 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
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 – $5,000 per Major surgery; $10,000 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	$10,000 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.
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
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 30 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(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. $1,500,000 per Policy Year
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. $1,500,000 per Policy Year
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. $1,500,000 per Policy Year
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
$500,000 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
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 – $5,000 per Major surgery; $10,000 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
$10,000 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.
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

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$4,960
1	HK$4,960
2	HK$4,960
3	HK$4,960
4	HK$4,960
5	HK$4,960
6	HK$4,960
7	HK$4,960
8	HK$4,960
9	HK$4,960
10	HK$4,960
11	HK$4,960
12	HK$4,960
13	HK$4,960
14	HK$4,960
15	HK$4,963
16	HK$4,968
17	HK$4,970
18	HK$5,697
19	HK$5,702
20	HK$5,716
21	HK$5,732
22	HK$5,745
23	HK$5,761
24	HK$5,775
25	HK$6,106
26	HK$6,438
27	HK$6,492
28	HK$6,519
29	HK$6,530
30	HK$6,741
31	HK$6,853
32	HK$7,018
33	HK$7,220
34	HK$7,286
35	HK$7,438
36	HK$7,542
37	HK$7,747
38	HK$7,972
39	HK$8,310
40	HK$8,721
41	HK$9,110
42	HK$9,355
43	HK$9,763
44	HK$10,379
45	HK$11,021
46	HK$11,645
47	HK$12,126
48	HK$12,588
49	HK$13,153
50	HK$13,621
51	HK$14,094
52	HK$14,775
53	HK$15,358
54	HK$16,153
55	HK$17,020
56	HK$18,107
57	HK$19,210
58	HK$20,200
59	HK$21,342
60	HK$22,620
61	HK$24,132
62	HK$25,882
63	HK$27,681
64	HK$30,325
65	HK$32,048
66	HK$33,914
67	HK$35,937
68	HK$38,162
69	HK$40,429
70	HK$42,740
71	HK$45,069
72	HK$47,584
73	HK$49,911
74	HK$53,342
75	HK$55,786
76	HK$58,392
77	HK$60,727
78	HK$62,889
79	HK$64,745
80	HK$68,163
81	HK$72,120
82	HK$74,636
83	HK$77,641
84	HK$79,827
85	HK$83,045
86	HK$84,958
87	HK$86,969
88	HK$88,008
89	HK$90,017
90	HK$91,511
91	HK$93,055
92	HK$94,774
93	HK$96,570
94	HK$98,564
95	HK$100,650
96	HK$102,125
97	HK$103,477
98	HK$104,953
99	HK$106,429

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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