← Back to vPrime Signature Medical Plan - S series

VHIS Flexi · F00070-07-000-02

vPrime Signature Medical Plan - Superior (HKD0 Deductible)

尊衛您（寰譽版）醫療計劃 - 特等（0 港元自付費）

FWD Life Insurance Company (Bermuda) Limited

Add to compare

Your premium

HK$14,362 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide (excluding United States)

Deductible

Annual benefit limit

HK$18,500,000

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	Full reimbursement of Eligible ExpensesR&C
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	$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 ExpensesR&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.
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	$1,000 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 – $6,000 per Major surgery; $12,000 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	$12,000 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	$1,700 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	$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 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
Full reimbursement of Eligible ExpensesR&C

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
$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 ExpensesR&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.
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
$1,000 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 – $6,000 per Major surgery; $12,000 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
$12,000 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
$1,700 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
$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$10,786
1	HK$10,786
2	HK$10,786
3	HK$10,786
4	HK$10,786
5	HK$9,862
6	HK$9,862
7	HK$9,862
8	HK$9,862
9	HK$9,862
10	HK$9,862
11	HK$9,862
12	HK$9,862
13	HK$9,862
14	HK$9,862
15	HK$9,862
16	HK$9,862
17	HK$9,862
18	HK$10,135
19	HK$10,218
20	HK$10,457
21	HK$10,779
22	HK$11,090
23	HK$11,317
24	HK$11,487
25	HK$12,051
26	HK$12,708
27	HK$13,357
28	HK$13,841
29	HK$14,150
30	HK$14,362
31	HK$14,688
32	HK$14,812
33	HK$15,132
34	HK$15,419
35	HK$15,969
36	HK$15,999
37	HK$16,326
38	HK$16,753
39	HK$16,884
40	HK$17,114
41	HK$17,446
42	HK$17,878
43	HK$18,712
44	HK$19,850
45	HK$20,843
46	HK$22,035
47	HK$22,724
48	HK$23,616
49	HK$24,604
50	HK$25,093
51	HK$26,034
52	HK$28,195
53	HK$29,446
54	HK$30,682
55	HK$32,004
56	HK$34,040
57	HK$36,009
58	HK$37,878
59	HK$40,460
60	HK$42,502
61	HK$44,619
62	HK$48,437
63	HK$53,484
64	HK$59,843
65	HK$64,998
66	HK$70,261
67	HK$73,031
68	HK$74,686
69	HK$77,150
70	HK$79,265
71	HK$87,634
72	HK$92,489
73	HK$97,263
74	HK$101,272
75	HK$103,115
76	HK$109,641
77	HK$117,231
78	HK$120,519
79	HK$124,326
80	HK$126,290
81	HK$133,603
82	HK$137,491
83	HK$139,927
84	HK$142,143
85	HK$144,692
86	HK$147,351
87	HK$149,677
88	HK$152,004
89	HK$154,441
90	HK$156,879
91	HK$159,426
92	HK$161,753
93	HK$164,191
94	HK$166,850
95	HK$169,286
96	HK$171,835
97	HK$174,919
98	HK$177,998
99	HK$185,349

Other deductible options in this series

12 deductibles — same benefit schedule, premium scales with deductible

HK$0

View details →

HK$0

Current page

View details →

View details →

View details →

View details →

View details →

View details →

View details →

View details →

View details →

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