VHIS Flexi · F00067-17-000-02

vTheOne Medical Plan - Superior (HKD120,000 Deductible)

至．衛一醫療計劃 - 特等（120,000 港元自付費）

FWD Life Insurance Company (Bermuda) Limited

Add to compare

Your premium

HK$7,590 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide (excluding United States)

Deductible

HK$120,000

Annual benefit limit

HK$22,000,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

HK$2,000,000

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 60 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. $2,000,000 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. $2,000,000 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. $2,000,000 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	$275,000 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）	$900 - $1,800 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 – $2,000 per Major surgery; $4,000 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	$4,000 per ConfinementApplicable when the Insured Person is Confined in a hospital in Hong Kong, is in Intensive Care Unit for 3 consecutive days or more during the Confinement, and the Eligible Expenses incurred during the Confinement are reimbursable under the Terms and Benefits;This benefit is payable once per entire Confinement.
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 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 60 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. $2,000,000 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. $2,000,000 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. $2,000,000 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
$275,000 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）
$900 - $1,800 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 – $2,000 per Major surgery; $4,000 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
$4,000 per ConfinementApplicable when the Insured Person is Confined in a hospital in Hong Kong, is in Intensive Care Unit for 3 consecutive days or more during the Confinement, and the Eligible Expenses incurred during the Confinement are reimbursable under the Terms and Benefits;This benefit is payable once per entire Confinement.
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

Premium Schedule

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

Age	Premium
0	HK$5,546
1	HK$5,546
2	HK$5,546
3	HK$5,546
4	HK$5,546
5	HK$5,546
6	HK$5,546
7	HK$5,546
8	HK$5,546
9	HK$5,546
10	HK$5,546
11	HK$5,546
12	HK$5,546
13	HK$5,546
14	HK$5,546
15	HK$5,616
16	HK$5,691
17	HK$6,186
18	HK$7,012
19	HK$7,139
20	HK$7,263
21	HK$7,316
22	HK$7,401
23	HK$7,444
24	HK$7,458
25	HK$7,479
26	HK$7,496
27	HK$7,512
28	HK$7,530
29	HK$7,571
30	HK$7,590
31	HK$7,758
32	HK$7,926
33	HK$8,024
34	HK$8,118
35	HK$8,410
36	HK$8,506
37	HK$8,649
38	HK$8,703
39	HK$8,745
40	HK$8,788
41	HK$9,008
42	HK$9,351
43	HK$9,725
44	HK$10,069
45	HK$10,540
46	HK$11,188
47	HK$11,747
48	HK$12,142
49	HK$12,538
50	HK$13,490
51	HK$14,025
52	HK$14,870
53	HK$15,766
54	HK$16,214
55	HK$17,204
56	HK$18,251
57	HK$19,364
58	HK$20,545
59	HK$22,193
60	HK$23,345
61	HK$24,158
62	HK$25,184
63	HK$26,365
64	HK$27,640
65	HK$28,979
66	HK$30,446
67	HK$32,352
68	HK$34,461
69	HK$36,620
70	HK$38,839
71	HK$41,089
72	HK$43,524
73	HK$45,804
74	HK$49,584
75	HK$51,866
76	HK$54,300
77	HK$56,482
78	HK$58,508
79	HK$60,238
80	HK$63,459
81	HK$67,210
82	HK$69,582
83	HK$72,433
84	HK$74,491
85	HK$78,315
86	HK$79,810
87	HK$81,722
88	HK$82,712
89	HK$84,622
90	HK$86,042
91	HK$87,511
92	HK$89,143
93	HK$90,854
94	HK$92,747
95	HK$94,812
96	HK$96,909
97	HK$99,622
98	HK$100,988
99	HK$102,355

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.

Ask about application & premium discounts

+852 5287 0900