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VHIS Plan

vPrime Signature Medical Plan - S

尊衛您（寰譽版）醫療計劃

FWD Life Insurance Company (Bermuda) Limited·12 plan options

VHIS Flexi

vPrime Signature Medical Plan - S is a VHIS Flexi plan offered by FWD Life Insurance Company (Bermuda) Limited, with ward class Semi-Private Room, Asia incl. AU/NZ coverage and HK$15,000,000 annual benefit limit. Latest plan-document version: Feb 2, 2026.

01 · Plan options

12 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$12,058 /yr

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Plan option

Superior (HKD0 Deductible)

Deductible HKD 0 deductible

Entry premium (Age 30 any gender)

HK$14,362 /yr

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Plan option

Standard (HKD16,000 Deductible)

Deductible 16,000 HKD deductible

Entry premium (Age 30 any gender)

HK$5,722 /yr

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Plan option

Superior (HKD16,000 Deductible)

Deductible 16,000 HKD deductible

Entry premium (Age 30 any gender)

HK$6,795 /yr

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Plan option

Standard (HKD25,000 Deductible)

Deductible 25,000 HKD deductible

Entry premium (Age 30 any gender)

HK$4,885 /yr

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Plan option

Superior (HKD25,000 Deductible)

Deductible 25,000 HKD deductible

Entry premium (Age 30 any gender)

HK$5,769 /yr

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Plan option

Standard (HKD50,000 Deductible)

Deductible 50,000 HKD deductible

Entry premium (Age 30 any gender)

HK$3,735 /yr

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Plan option

Superior (HKD50,000 Deductible)

Deductible 50,000 HKD deductible

Entry premium (Age 30 any gender)

HK$4,385 /yr

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Plan option

Standard (HKD100,000 Deductible)

Deductible 100,000 HKD deductible

Entry premium (Age 30 any gender)

HK$2,985 /yr

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Plan option

Superior (HKD100,000 Deductible)

Deductible 100,000 HKD deductible

Entry premium (Age 30 any gender)

HK$3,479 /yr

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Plan option

Standard (HKD250,000 Deductible)

Deductible 250,000 HKD deductible

Entry premium (Age 30 any gender)

HK$2,376 /yr

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Plan option

Superior (HKD250,000 Deductible)

Deductible 250,000 HKD deductible

Entry premium (Age 30 any gender)

HK$2,782 /yr

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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$9,059	HK$8,282	HK$8,782	HK$12,058	HK$14,368	HK$21,066	HK$35,683	HK$66,552	HK$106,034
Superior (HKD0 Deductible)Deductible HKD 0 deductible	HK$10,786	HK$9,862	HK$10,457	HK$14,362	HK$17,114	HK$25,093	HK$42,502	HK$79,265	HK$126,290
Standard (HKD16,000 Deductible)Deductible 16,000 HKD deductible	HK$4,695	HK$4,002	HK$4,275	HK$5,722	HK$6,821	HK$10,933	HK$17,993	HK$33,324	HK$54,356
Superior (HKD16,000 Deductible)Deductible 16,000 HKD deductible	HK$5,574	HK$4,752	HK$5,076	HK$6,795	HK$8,102	HK$12,986	HK$21,370	HK$39,576	HK$64,553
Standard (HKD25,000 Deductible)Deductible 25,000 HKD deductible	HK$4,134	HK$3,541	HK$3,636	HK$4,885	HK$5,839	HK$9,171	HK$15,141	HK$28,296	HK$46,117
Superior (HKD25,000 Deductible)Deductible 25,000 HKD deductible	HK$4,882	HK$4,181	HK$4,294	HK$5,769	HK$6,897	HK$10,832	HK$17,883	HK$33,420	HK$54,467
Standard (HKD50,000 Deductible)Deductible 50,000 HKD deductible	HK$3,272	HK$2,770	HK$2,946	HK$3,735	HK$4,371	HK$7,487	HK$11,578	HK$21,445	HK$35,105
Superior (HKD50,000 Deductible)Deductible 50,000 HKD deductible	HK$3,841	HK$3,253	HK$3,458	HK$4,385	HK$5,133	HK$8,792	HK$13,597	HK$25,182	HK$41,224
Standard (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$2,567	HK$2,293	HK$2,404	HK$2,985	HK$3,451	HK$5,875	HK$9,261	HK$16,671	HK$27,293
Superior (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$2,994	HK$2,672	HK$2,802	HK$3,479	HK$4,024	HK$6,850	HK$10,798	HK$19,438	HK$31,821
Standard (HKD250,000 Deductible)Deductible 250,000 HKD deductible	HK$2,066	HK$1,852	HK$1,936	HK$2,376	HK$2,726	HK$4,569	HK$7,360	HK$12,968	HK$21,228
Superior (HKD250,000 Deductible)Deductible 250,000 HKD deductible	HK$2,421	HK$2,169	HK$2,267	HK$2,782	HK$3,193	HK$5,353	HK$8,622	HK$15,192	HK$24,870

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$9,059	HK$8,282	HK$8,782	HK$12,058	HK$14,368	HK$21,066	HK$35,683	HK$66,552	HK$106,034
Superior (HKD0 Deductible)Deductible HKD 0 deductible	HK$10,786	HK$9,862	HK$10,457	HK$14,362	HK$17,114	HK$25,093	HK$42,502	HK$79,265	HK$126,290
Standard (HKD16,000 Deductible)Deductible 16,000 HKD deductible	HK$4,695	HK$4,002	HK$4,275	HK$5,722	HK$6,821	HK$10,933	HK$17,993	HK$33,324	HK$54,356
Superior (HKD16,000 Deductible)Deductible 16,000 HKD deductible	HK$5,574	HK$4,752	HK$5,076	HK$6,795	HK$8,102	HK$12,986	HK$21,370	HK$39,576	HK$64,553
Standard (HKD25,000 Deductible)Deductible 25,000 HKD deductible	HK$4,134	HK$3,541	HK$3,636	HK$4,885	HK$5,839	HK$9,171	HK$15,141	HK$28,296	HK$46,117
Superior (HKD25,000 Deductible)Deductible 25,000 HKD deductible	HK$4,882	HK$4,181	HK$4,294	HK$5,769	HK$6,897	HK$10,832	HK$17,883	HK$33,420	HK$54,467
Standard (HKD50,000 Deductible)Deductible 50,000 HKD deductible	HK$3,272	HK$2,770	HK$2,946	HK$3,735	HK$4,371	HK$7,487	HK$11,578	HK$21,445	HK$35,105
Superior (HKD50,000 Deductible)Deductible 50,000 HKD deductible	HK$3,841	HK$3,253	HK$3,458	HK$4,385	HK$5,133	HK$8,792	HK$13,597	HK$25,182	HK$41,224
Standard (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$2,567	HK$2,293	HK$2,404	HK$2,985	HK$3,451	HK$5,875	HK$9,261	HK$16,671	HK$27,293
Superior (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$2,994	HK$2,672	HK$2,802	HK$3,479	HK$4,024	HK$6,850	HK$10,798	HK$19,438	HK$31,821
Standard (HKD250,000 Deductible)Deductible 250,000 HKD deductible	HK$2,066	HK$1,852	HK$1,936	HK$2,376	HK$2,726	HK$4,569	HK$7,360	HK$12,968	HK$21,228
Superior (HKD250,000 Deductible)Deductible 250,000 HKD deductible	HK$2,421	HK$2,169	HK$2,267	HK$2,782	HK$3,193	HK$5,353	HK$8,622	HK$15,192	HK$24,870

Compare all plans by age →

How does vPrime Signature compare with similar FWD plans?

Item	vPrime Signature (this plan)	vBooster	vPrime
Ward class	Semi-Private Room（HK / Macau / Mainland）Standard Private Room（Rest of Asia / outside Asia emergencies）	Ward	Semi-Private Room（HK / Macau / Mainland）Standard Private Room（Rest of Asia / outside Asia emergencies）
Annual benefit limit	HK$15,000,000	HK$8,000,000	HK$16,500,000
Yearly premiumMale, age 30	HK$12,058	HK$8,260	HK$14,265
Yearly premiumMale, age 40	HK$14,368	HK$9,936	HK$17,000
Deductible options	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$180,000	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: 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%
Extra cover for cancer, dialysis and organ transplants (per year)	HK$2,000,000	HK$2,000,000	HK$2,500,000
Suited to	People happy with a semi-private room who may want a worldwide (excluding the US) benefit level	People happy with a general ward and Asia-only non-emergency cover who want an HK$8 million annual limit	People happy with a semi-private room who want a high yearly limit

Source: each plan's benefit schedule and premium table on vhis.gov.hk (vPrime Signature F00070, same premium for men and women; vBooster F00069, same premium for men and women; vPrime F00045, same premium for men and women). Premiums are yearly, for a man, on each plan's lowest tier and lowest deductible option.

Who is vPrime Signature better suited to?

Better suited to

People who want a semi-private room: the eligible ward class for stays in Hong Kong, Macau or mainland China is a standard semi-private room.
People often treated outside Asia: you can choose the Superior benefit level (worldwide except the US).
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.

May not suit

People happy with a general ward who want a lower premium: vBooster costs about HK$8,260 a year at age 30, about 31% less than this plan, with an annual benefit limit of HK$8 million.
People who want a higher yearly limit: vPrime has an annual benefit limit of HK$16.5 million.

What to know before buying vPrime Signature

Less cover for non-emergency treatment outside Asia: For non-emergency treatment outside Asia, basic benefits are paid only up to the VHIS Standard Plan's benefit limits, and some enhanced benefits are not paid.
A higher ward class reduces the payout: If you choose a room above a standard semi-private room, only a percentage of that day's eligible expenses counts (50% for a private room, 25% above that), 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.
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.
Premiums rise with age: Yearly premium with a HK$0 deductible: HK$12,058 at age 30, HK$14,368 at 40 and HK$35,683 at 60. The insurer may adjust standard premiums at renewal.
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%.
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: Feb 2, 2026
Plan data updated: 2026-04-25