← Back to vBooster Medical Plan - HKD series

VHIS Flexi · F00069-05-000-02

vBooster Medical Plan - HKD100,000 Deductible

倍衛您醫療計劃 - 100,000 港元自付費

FWD Life Insurance Company (Bermuda) Limited

Add to compare

Your premium

HK$2,364 /yr

age

Ward class

Ward

Coverage region

Asia incl. AU/NZ

Deductible

HK$100,000

Annual benefit limit

HK$8,000,000

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 ExpensesUp to 3 prior outpatient visits or Emergency consultations per Confinement/Day Case ProcedureUp to 20 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case ProcedureR&C
(l) Psychiatric treatments (l) 精神科治療	$40,000 per Policy Year
Extra Benefits
Reconstructive surgery for specified conditions 重建手術保障	Per Accident / per mastectomy: $160,000
Medical implants / prosthetic devices 重建手術的醫療裝置保障	$96,000 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	$100,000 per Policy Year
Post-stroke home equipment upgrade 中風復康治療 (a) 家居設備提升保障	$80,000 per Accident
Post-stroke rehabilitation visits 中風復康治療 (b) 中風輔助保障	$1,000 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $100,000 per Accident
Hospice and palliative care benefit 善終服務	$100,000 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 the post-discharge window after 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	$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.
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）	$800 - $1,600 per surgery
Second-claim cash allowanceAfter other pays 額外現金補貼保障	$800 per day of Confinement, maximum 60 days per Policy Year
Major surgery cash benefit 大型及複雜手術的現金保障	Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $800 per Major surgery; $1,600 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	$1,600 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	$10,000 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 ExpensesUp to 3 prior outpatient visits or Emergency consultations per Confinement/Day Case ProcedureUp to 20 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case ProcedureR&C
(l) Psychiatric treatments
(l) 精神科治療
$40,000 per Policy Year

Extra Benefits

Reconstructive surgery for specified conditions
重建手術保障
Per Accident / per mastectomy: $160,000
Medical implants / prosthetic devices
重建手術的醫療裝置保障
$96,000 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
$100,000 per Policy Year
Post-stroke home equipment upgrade
中風復康治療 (a) 家居設備提升保障
$80,000 per Accident
Post-stroke rehabilitation visits
中風復康治療 (b) 中風輔助保障
$1,000 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $100,000 per Accident
Hospice and palliative care benefit
善終服務
$100,000 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 the post-discharge window after 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
$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.
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）
$800 - $1,600 per surgery
Second-claim cash allowanceAfter other pays
額外現金補貼保障
$800 per day of Confinement, maximum 60 days per Policy Year
Major surgery cash benefit
大型及複雜手術的現金保障
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $800 per Major surgery; $1,600 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
$1,600 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
$10,000 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$2,175
1	HK$2,175
2	HK$2,175
3	HK$2,175
4	HK$2,175
5	HK$1,850
6	HK$1,850
7	HK$1,850
8	HK$1,850
9	HK$1,850
10	HK$1,850
11	HK$1,850
12	HK$1,850
13	HK$1,850
14	HK$1,850
15	HK$1,850
16	HK$1,850
17	HK$1,850
18	HK$1,870
19	HK$1,910
20	HK$1,955
21	HK$1,982
22	HK$2,020
23	HK$2,050
24	HK$2,067
25	HK$2,095
26	HK$2,148
27	HK$2,202
28	HK$2,211
29	HK$2,236
30	HK$2,364
31	HK$2,367
32	HK$2,393
33	HK$2,422
34	HK$2,422
35	HK$2,499
36	HK$2,575
37	HK$2,575
38	HK$2,614
39	HK$2,629
40	HK$2,808
41	HK$3,009
42	HK$3,118
43	HK$3,297
44	HK$3,354
45	HK$3,670
46	HK$3,852
47	HK$4,126
48	HK$4,302
49	HK$4,510
50	HK$4,826
51	HK$5,072
52	HK$5,318
53	HK$5,566
54	HK$5,812
55	HK$6,129
56	HK$6,377
57	HK$6,628
58	HK$6,956
59	HK$7,208
60	HK$7,606
61	HK$8,249
62	HK$8,954
63	HK$9,695
64	HK$10,503
65	HK$11,259
66	HK$12,351
67	HK$13,281
68	HK$14,552
69	HK$15,876
70	HK$17,292
71	HK$18,329
72	HK$19,472
73	HK$20,543
74	HK$21,626
75	HK$22,789
76	HK$23,604
77	HK$24,789
78	HK$25,274
79	HK$26,729
80	HK$28,310
81	HK$29,064
82	HK$30,148
83	HK$31,313
84	HK$32,371
85	HK$33,545
86	HK$34,284
87	HK$35,146
88	HK$35,679
89	HK$36,647
90	HK$37,227
91	HK$40,464
92	HK$41,218
93	HK$42,122
94	HK$43,127
95	HK$43,939
96	HK$45,198
97	HK$46,541
98	HK$47,445
99	HK$48,483

Other deductible options in this series

6 deductibles — same benefit schedule, premium scales with deductible

View details →

View details →

View details →

View details →

HK$100K

Current page

HK$180K

View details →

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Feb 2, 2026
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