{
  "id": "fwd-deductible-evidence-2026-09",
  "checkedAt": "2026-09-23",
  "effectiveAt": "2026-02-02",
  "currency": "HKD",
  "ageBasis": "PDF: age next birthday; article and existing comparison tool: attained age = age next birthday - 1.",
  "scope": "FWD vPrime Signature Medical Plan, Standard tier; selected HKD 0/25,000/50,000 annual-deductible options, not all available options. Annual standard premiums, unisex; excludes levy, individual loadings and discounts. Not future premiums or a personal quote.",
  "sources": [
    {
      "file": "fwd-01.pdf",
      "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00070/F00070-01-000-02-StandardPremium-Bilingual.pdf",
      "sha256": "47fd323a774031dcb1c13b3d818718bf44d2038142455c79e5d75da484b2d8b8",
      "pages": [
        1,
        2
      ]
    },
    {
      "file": "fwd-03.pdf",
      "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00070/F00070-03-000-02-StandardPremium-Bilingual.pdf",
      "sha256": "cdeeec50dc21a04ead7a195b3cd6d8379c8d234bc6c694a7c07c17d7f67e3d9f",
      "pages": [
        1,
        2
      ]
    },
    {
      "file": "fwd-04.pdf",
      "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00070/F00070-04-000-02-StandardPremium-Bilingual.pdf",
      "sha256": "e50d942311079d5be2bb8c58c4cf93ec565a6aca7ec2a40bce27c6071031f6ad",
      "pages": [
        1,
        2
      ]
    }
  ],
  "plans": [
    {
      "id": "fwd-f00070-01-000-02",
      "cert": "F00070-01-000-02",
      "nameZh": "尊衛您（寰譽版）醫療計劃 - 標準（0 港元自付費）",
      "nameEn": "vPrime Signature Medical Plan - Standard (HKD0 Deductible)",
      "deductible": 0,
      "currentSource": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00070/F00070-01-000-02-StandardPremium-Bilingual.pdf"
    },
    {
      "id": "fwd-f00070-03-000-02",
      "cert": "F00070-03-000-02",
      "nameZh": "尊衛您（寰譽版）醫療計劃 - 標準（25,000 港元自付費）",
      "nameEn": "vPrime Signature Medical Plan - Standard (HKD25,000 Deductible)",
      "deductible": 25000,
      "currentSource": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00070/F00070-03-000-02-StandardPremium-Bilingual.pdf"
    },
    {
      "id": "fwd-f00070-04-000-02",
      "cert": "F00070-04-000-02",
      "nameZh": "尊衛您（寰譽版）醫療計劃 - 標準（50,000 港元自付費）",
      "nameEn": "vPrime Signature Medical Plan - Standard (HKD50,000 Deductible)",
      "deductible": 50000,
      "currentSource": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00070/F00070-04-000-02-StandardPremium-Bilingual.pdf"
    }
  ],
  "premiums": [
    {
      "age": 30,
      "ageNextBirthday": 31,
      "deductible": 0,
      "premium": 12058.0,
      "annualSaving": 0.0,
      "savingPct": 0.0,
      "constantSavingYears": null
    },
    {
      "age": 40,
      "ageNextBirthday": 41,
      "deductible": 0,
      "premium": 14368.0,
      "annualSaving": 0.0,
      "savingPct": 0.0,
      "constantSavingYears": null
    },
    {
      "age": 50,
      "ageNextBirthday": 51,
      "deductible": 0,
      "premium": 21066.0,
      "annualSaving": 0.0,
      "savingPct": 0.0,
      "constantSavingYears": null
    },
    {
      "age": 60,
      "ageNextBirthday": 61,
      "deductible": 0,
      "premium": 35683.0,
      "annualSaving": 0.0,
      "savingPct": 0.0,
      "constantSavingYears": null
    },
    {
      "age": 30,
      "ageNextBirthday": 31,
      "deductible": 25000,
      "premium": 4885.0,
      "annualSaving": 7173.0,
      "savingPct": 59.487477193564445,
      "constantSavingYears": 3.4852920674752546
    },
    {
      "age": 40,
      "ageNextBirthday": 41,
      "deductible": 25000,
      "premium": 5839.0,
      "annualSaving": 8529.0,
      "savingPct": 59.36108017817372,
      "constantSavingYears": 2.931175987806308
    },
    {
      "age": 50,
      "ageNextBirthday": 51,
      "deductible": 25000,
      "premium": 9171.0,
      "annualSaving": 11895.0,
      "savingPct": 56.46539447450869,
      "constantSavingYears": 2.101723413198823
    },
    {
      "age": 60,
      "ageNextBirthday": 61,
      "deductible": 25000,
      "premium": 15141.0,
      "annualSaving": 20542.0,
      "savingPct": 57.56802959392427,
      "constantSavingYears": 1.2170187907701295
    },
    {
      "age": 30,
      "ageNextBirthday": 31,
      "deductible": 50000,
      "premium": 3735.0,
      "annualSaving": 8323.0,
      "savingPct": 69.02471388289932,
      "constantSavingYears": 6.0074492370539465
    },
    {
      "age": 40,
      "ageNextBirthday": 41,
      "deductible": 50000,
      "premium": 4371.0,
      "annualSaving": 9997.0,
      "savingPct": 69.5782293986637,
      "constantSavingYears": 5.00150045013504
    },
    {
      "age": 50,
      "ageNextBirthday": 51,
      "deductible": 50000,
      "premium": 7487.0,
      "annualSaving": 13579.0,
      "savingPct": 64.45931833285864,
      "constantSavingYears": 3.682156270712129
    },
    {
      "age": 60,
      "ageNextBirthday": 61,
      "deductible": 50000,
      "premium": 11578.0,
      "annualSaving": 24105.0,
      "savingPct": 67.55317658268643,
      "constantSavingYears": 2.0742584526031944
    }
  ]
}