vFamily Medical Plan - Standard

醫家保醫療計劃 - 標準

FWD Life Insurance Company (Bermuda) Limited

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Your premium

HK$4,917 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

No cap

Per-illness annual limit

HK$550,000

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

HK$550,000

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 visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 20 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, with up to $600 per physiotherapy or chiropractic treatment visitR&C
(l) Psychiatric treatments (l) 精神科治療	Full reimbursement of Eligible ExpensesR&C
Extra Benefits
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	$10,000 per Disability per Policy Year
Private nursing fee (during Confinement) 私家看護費用	Full reimbursement of Eligible Expenses, maximum 30 days per Disability per Policy Year, limited to services provided by 1 registered nurse(s) per dayR&C
Daily post-surgery home nursing benefit 出院後私家看護	Full reimbursement of Eligible Expenses, maximum 30 days per Disability per Policy Year, limited to services provided by 1 registered nurse(s) per dayR&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 10 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit(s) 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
Complications of pregnancy 因妊娠併發症而於香港入住深切治療部的現金保障	$6,000 per ConfinementIf the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit solely and directly due to pregnancy-related complications for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable under benefit item (H) of II. Enhanced Benefits; andThis benefit is payable 1 time only during the whole Confinement period
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）	$500 - $1,000 per surgery
Second-claim cash allowanceAfter other pays 額外現金補貼保障	$500 per day of Confinement, maximum 60 days per Disability 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 – $3,000 per Major surgery; $6,000 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	$6,000 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.
Event Benefits
Compassionate death benefit 身故保障	$20,000
Accidental Death benefit 意外身故保障	$20,000
Death benefit due to complications of pregnancy 妊娠併發症之身故保障	$20,000

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 visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 20 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, with up to $600 per physiotherapy or chiropractic treatment visitR&C
(l) Psychiatric treatments
(l) 精神科治療
Full reimbursement of Eligible ExpensesR&C

Extra Benefits

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
$10,000 per Disability per Policy Year
Private nursing fee (during Confinement)
私家看護費用
Full reimbursement of Eligible Expenses, maximum 30 days per Disability per Policy Year, limited to services provided by 1 registered nurse(s) per dayR&C
Daily post-surgery home nursing benefit
出院後私家看護
Full reimbursement of Eligible Expenses, maximum 30 days per Disability per Policy Year, limited to services provided by 1 registered nurse(s) per dayR&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 10 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit(s) 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
Complications of pregnancy
因妊娠併發症而於香港入住深切治療部的現金保障
$6,000 per ConfinementIf the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit solely and directly due to pregnancy-related complications for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable under benefit item (H) of II. Enhanced Benefits; andThis benefit is payable 1 time only during the whole Confinement period

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）
$500 - $1,000 per surgery
Second-claim cash allowanceAfter other pays
額外現金補貼保障
$500 per day of Confinement, maximum 60 days per Disability 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 – $3,000 per Major surgery; $6,000 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
$6,000 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.

Event Benefits

Compassionate death benefit
身故保障
$20,000
Accidental Death benefit
意外身故保障
$20,000
Death benefit due to complications of pregnancy
妊娠併發症之身故保障
$20,000

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$5,524	HK$3,841
1	HK$5,524	HK$3,841
2	HK$5,524	HK$3,841
3	HK$5,524	HK$3,841
4	HK$4,728	HK$4,394
5	HK$4,728	HK$4,394
6	HK$4,728	HK$4,394
7	HK$4,728	HK$4,394
8	HK$4,728	HK$4,394
9	HK$4,728	HK$4,394
10	HK$4,728	HK$4,394
11	HK$4,728	HK$4,394
12	HK$4,728	HK$4,394
13	HK$4,728	HK$4,394
14	HK$4,728	HK$4,394
15	HK$4,728	HK$4,394
16	HK$4,728	HK$4,394
17	HK$4,728	HK$4,394
18	HK$4,647	HK$4,420
19	HK$3,718	HK$4,446
20	HK$3,754	HK$4,473
21	HK$3,696	HK$4,500
22	HK$3,611	HK$4,520
23	HK$3,644	HK$4,659
24	HK$3,682	HK$4,855
25	HK$3,853	HK$5,184
26	HK$4,082	HK$5,459
27	HK$4,304	HK$5,751
28	HK$4,538	HK$6,015
29	HK$4,751	HK$6,302
30	HK$4,917	HK$6,464
31	HK$5,054	HK$6,655
32	HK$5,210	HK$6,868
33	HK$5,337	HK$7,068
34	HK$5,491	HK$7,243
35	HK$5,568	HK$7,283
36	HK$5,603	HK$7,338
37	HK$5,605	HK$7,377
38	HK$5,607	HK$7,431
39	HK$5,609	HK$7,487
40	HK$5,689	HK$7,542
41	HK$5,920	HK$7,598
42	HK$6,171	HK$7,939
43	HK$6,379	HK$8,174
44	HK$6,667	HK$8,480
45	HK$6,995	HK$8,805
46	HK$7,332	HK$9,120
47	HK$7,846	HK$9,505
48	HK$8,258	HK$9,755
49	HK$8,686	HK$9,986
50	HK$8,802	HK$10,232
51	HK$8,882	HK$10,479
52	HK$9,447	HK$10,857
53	HK$9,922	HK$11,195
54	HK$10,408	HK$11,528
55	HK$11,090	HK$12,078
56	HK$11,793	HK$12,613
57	HK$12,677	HK$13,349
58	HK$13,377	HK$13,903
59	HK$14,062	HK$14,476
60	HK$15,246	HK$15,345
61	HK$16,263	HK$16,412
62	HK$17,547	HK$17,411
63	HK$18,734	HK$18,498
64	HK$19,942	HK$19,585
65	HK$21,449	HK$20,747
66	HK$22,953	HK$21,963
67	HK$24,758	HK$23,164
68	HK$26,322	HK$24,386
69	HK$27,888	HK$25,599
70	HK$30,737	HK$26,759
71	HK$32,747	HK$28,327
72	HK$34,980	HK$29,332
73	HK$36,340	HK$30,286
74	HK$37,297	HK$31,058
75	HK$38,607	HK$32,413
76	HK$40,023	HK$33,679
77	HK$42,216	HK$34,656
78	HK$43,676	HK$35,932
79	HK$45,121	HK$37,243
80	HK$49,893	HK$41,188
81	HK$51,552	HK$42,532
82	HK$54,404	HK$43,904
83	HK$55,970	HK$44,752
84	HK$57,732	HK$45,999
85	HK$59,775	HK$47,537
86	HK$61,779	HK$49,073
87	HK$65,034	HK$50,755
88	HK$66,816	HK$51,816
89	HK$68,804	HK$53,365
90	HK$73,462	HK$57,132
91	HK$75,855	HK$59,052
92	HK$79,958	HK$60,914
93	HK$82,087	HK$62,239
94	HK$84,565	HK$64,062
95	HK$86,691	HK$65,722
96	HK$88,738	HK$67,446
97	HK$92,622	HK$69,255
98	HK$94,459	HK$70,217
99	HK$96,571	HK$71,825

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Mar 4, 2024
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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