vCore Medical Plan

確衛您醫療計劃

FWD Life Insurance Company (Bermuda) Limited

vCore Medical Plan is a VHIS Standard plan offered by FWD Life Insurance Company (Bermuda) Limited, with ward class No ward-class restriction (item limits apply), Worldwide (including United States) coverage and HK$420,000 annual benefit limit. Latest plan-document version: Feb 2, 2026.

VHIS StandardS00036-01-000-03

Plan at a glance

Ward class: No ward-class restriction (item limits apply)
Coverage region: Worldwide (including United States)
Deductible: N/A
Annual benefit limit: HK$420,000
Per-illness annual limit: —
Lifetime benefit limit: —
SMM Supplemental Major Medical: —

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	$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$14,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$12,500
Surgeon's fee — Major 外科醫生費 — 大型	$25,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$50,000
(g) Anaesthetist's fee (g) 麻醉科醫生費	35% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$80,000 per Policy Year
(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	$580, per visit, $3,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments (l) 精神科治療	$30,000 per Policy Year
Event Benefits
Compassionate death benefit 身故保障	$10,000
Accidental Death benefit 意外身故保障	$10,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$14,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$12,500
Surgeon's fee — Major
外科醫生費 — 大型
$25,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$50,000
(g) Anaesthetist's fee
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$80,000 per Policy Year
(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
$580, per visit, $3,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments
(l) 精神科治療
$30,000 per Policy Year

Event Benefits

Compassionate death benefit
身故保障
$10,000
Accidental Death benefit
意外身故保障
$10,000

Premium Schedule

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

Age	Male	Female
0	HK$4,106	HK$3,181
1	HK$4,106	HK$3,181
2	HK$4,106	HK$3,181
3	HK$4,106	HK$3,181
4	HK$1,829	HK$2,176
5	HK$1,829	HK$2,176
6	HK$1,829	HK$2,176
7	HK$1,829	HK$2,176
8	HK$1,829	HK$2,176
9	HK$1,829	HK$2,176
10	HK$1,829	HK$2,176
11	HK$1,829	HK$2,176
12	HK$1,829	HK$2,176
13	HK$1,829	HK$2,176
14	HK$1,829	HK$2,176
15	HK$1,860	HK$2,260
16	HK$1,895	HK$2,343
17	HK$1,918	HK$2,428
18	HK$1,933	HK$2,501
19	HK$1,945	HK$2,571
20	HK$1,969	HK$2,631
21	HK$2,003	HK$2,686
22	HK$2,050	HK$2,747
23	HK$2,098	HK$2,825
24	HK$2,151	HK$2,907
25	HK$2,199	HK$2,985
26	HK$2,254	HK$3,070
27	HK$2,306	HK$3,154
28	HK$2,357	HK$3,238
29	HK$2,412	HK$3,324
30	HK$2,475	HK$3,414
31	HK$2,536	HK$3,503
32	HK$2,598	HK$3,593
33	HK$2,662	HK$3,688
34	HK$2,723	HK$3,789
35	HK$2,792	HK$3,885
36	HK$2,863	HK$3,979
37	HK$2,935	HK$4,079
38	HK$3,026	HK$4,187
39	HK$3,141	HK$4,294
40	HK$3,265	HK$4,421
41	HK$3,400	HK$4,589
42	HK$3,532	HK$4,762
43	HK$3,672	HK$4,947
44	HK$3,818	HK$5,136
45	HK$3,974	HK$5,328
46	HK$4,155	HK$5,522
47	HK$4,358	HK$5,714
48	HK$4,570	HK$5,909
49	HK$4,789	HK$6,106
50	HK$5,012	HK$6,307
51	HK$5,267	HK$6,512
52	HK$5,556	HK$6,724
53	HK$5,874	HK$6,942
54	HK$6,220	HK$7,171
55	HK$6,563	HK$7,406
56	HK$6,899	HK$7,659
57	HK$7,242	HK$7,919
58	HK$7,585	HK$8,187
59	HK$7,932	HK$8,463
60	HK$8,386	HK$8,759
61	HK$8,868	HK$9,123
62	HK$9,345	HK$9,563
63	HK$9,852	HK$10,024
64	HK$10,385	HK$10,497
65	HK$11,070	HK$10,977
66	HK$11,753	HK$11,454
67	HK$12,434	HK$11,931
68	HK$13,118	HK$12,407
69	HK$13,807	HK$12,887
70	HK$14,468	HK$13,362
71	HK$15,128	HK$13,856
72	HK$15,790	HK$14,359
73	HK$16,449	HK$14,857
74	HK$17,110	HK$15,362
75	HK$17,774	HK$15,867
76	HK$18,438	HK$16,370
77	HK$19,100	HK$16,877
78	HK$19,650	HK$17,379
79	HK$20,197	HK$17,907
80	HK$20,655	HK$18,430
81	HK$21,108	HK$18,890
82	HK$21,533	HK$19,309
83	HK$21,958	HK$19,710
84	HK$22,370	HK$20,065
85	HK$22,786	HK$20,380
86	HK$23,183	HK$20,642
87	HK$23,578	HK$20,906
88	HK$23,984	HK$21,166
89	HK$24,360	HK$21,399
90	HK$24,732	HK$21,628
91	HK$25,098	HK$21,854
92	HK$25,439	HK$22,030
93	HK$25,778	HK$22,206
94	HK$26,125	HK$22,377
95	HK$26,469	HK$22,501
96	HK$26,814	HK$22,614
97	HK$27,149	HK$22,729
98	HK$27,475	HK$22,808
99	HK$27,802	HK$22,887

How does vCore compare with similar FWD plans?

Item	vCore (this plan)	vCare	vCare Supreme
Ward class	No ward-class restriction (item limits apply)	No ward-class restriction	Basic and extra: No ward-class restrictionSMM: Ward
Annual benefit limit	HK$420,000	HK$520,000	No overall limit
Yearly premiumMale, age 30	HK$2,475	HK$3,002	HK$4,276
Yearly premiumMale, age 40	HK$3,265	HK$4,033	HK$5,817
Deductible options	No deductible	No deductible	No deductible
Coverage area	Worldwide (including United States)	Worldwide (including United States)	Worldwide (including United States)
Unknown congenital conditions diagnosed before age 8	Unknown congenital conditions manifested or diagnosed before age 8 are excluded.	Unknown congenital conditions manifested or diagnosed before age 8 are excluded.	Unknown congenital conditions manifested or diagnosed before age 8 are excluded.
No-claim discount	2–4 claim-free years: 10%5+ claim-free years: 15%	2–4 claim-free years: 10%5+ claim-free years: 15%	Basic discount2–4 claim-free years: 15%5+ claim-free years: 20%Additional: 2–3 policies 2.5% / 4 policies 5% / 5+ policies 10%
Suited to	People who want VHIS Standard Plan cover	People who want slightly higher itemised limits than the Standard Plan	People who want an extra medical benefit on top of itemised cover

Source: each plan's benefit schedule and premium table on vhis.gov.hk (vCore S00036; vCare F00015; vCare Supreme F00032). Premiums are yearly, for a man, on each plan's lowest tier and lowest deductible option.

Who is vCore better suited to?

Better suited to

People who want basic hospital cover: this is a VHIS Standard Plan, paid up to itemised limits, with an annual benefit limit of HK$420,000.
People often treated abroad: apart from psychiatric treatment, all benefits apply worldwide.

May not suit

People who want higher itemised limits: vCare has an annual benefit limit of HK$520,000 and pays HK$850 a day for room and board (this plan: HK$750), for a yearly premium about 21% higher for a 30-year-old man.
People who want cover beyond the itemised limits: vCare Supreme has an extra medical benefit that pays eligible costs above the itemised limits (up to HK$100,000 per illness per policy year, with 15% co-insurance).
Families insuring young children: this plan excludes congenital conditions that start or are diagnosed before age 8; vFamily has no such general exclusion.

What to know before buying vCore

Each benefit has its own cap: Benefits are paid up to itemised limits, for example HK$750 a day for room and board and HK$50,000 per complex operation for the surgeon's fee. Costs above an item's limit are not paid by this plan.
Congenital conditions before age 8 are excluded: Medical costs for a congenital condition that starts or is diagnosed before the insured person turns 8 are not paid.
You share the cost of some scans: Prescribed diagnostic imaging such as CT and MRI carries 30% co-insurance, up to HK$20,000 a policy year.
Premiums rise with age: Yearly premium for a man: HK$2,475 at age 30, HK$3,265 at 40 and HK$8,386 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.

Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Feb 2, 2026
Plan data updated: 2026-04-20

Ask about application & premium discounts

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vCore Medical Plan

Plan at a glance

Benefits

Premium Schedule

How does vCore compare with similar FWD plans?

Who is vCore better suited to?

Better suited to

May not suit

What to know before buying vCore

Terms & Disclaimer / 使用條款及免責聲明

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2. Purpose / 用途

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