vCare Supreme Medical Plan

We all want to take the best possible care of our loved ones, but Healthcare spending is unexpected. The Government-Certified vCare Supreme Medical Plan (“vCare Supreme”) can ease your mind by providing reimbursement on hospitalisation and surgical care as well as a range of quality Medical Services, not only to you, but to your loved ones too by offering wellness incentives as rewards for staying healthy.

vCare Supreme Medical Plan is a Flexi Plan certified by the Hong Kong Special Administrative Region Government under the Voluntary Health Insurance Scheme (“VHIS”) and is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability).

(VHIS Plan Certification Number: F00032-01-000-03)

VHIS provider registration number is 00036
Registration effective on 28 February 2019

Guaranteed renewable supreme protection

With no lifetime benefit limit, vCare Supreme reimburses a wide range of hospitalisation and surgical expenses, including the rental cost of a kidney dialysis machine for use at home, up to an annual limit of HKD520,000. Also it is guaranteed renewable¹ until you reach age 100 (attained age).

Broadening the safety net

A supplementary major medical benefit⁴ is built in to cover 85% the Eligible Expenses in excess of the designated benefit items and limits, up to HKD100,000 per Disability per Policy Year. vCare Supreme also offers additional benefit for Prescribed Non-surgical Cancer Treatment⁵ and kidney dialysis³, up to a maximum of HKD50,000 per Policy Year, to reimburse expenses for these treatments.

Tax savings

vCare Supreme meets the Government's regulatory standards and if you are a Hong Kong taxpayer, you can claim tax deductions up to HKD8,000² for each Insured Person annually from the premium paid annually for yourself and your specified relatives.

See all

The product information in this website is for reference only and does not contain the full terms and conditions, key product risks and full list of exclusions of the policy. For the details of benefits and key product risks, please refer to the product brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the plan.

Inclusion of value-added taxes and goods and services taxes as Eligible Expenses under VHIS Certified Plans

With respect of any Eligible Expenses under the VHIS Certified Plans incurred on or after 1 January 2022, Eligible Expenses shall include value-added taxes and goods and services taxes (“VAT and GST”) (if any) charged or imposed on the relevant medical expenses incurred, subject to the Terms and Benefits applicable in the relevant Certified Plans. The relevant Supplement will be sent to all policy holders concerned upon policy renewal.

For any queries, please contact us at our Customer Service Hotline 3123 3123 or contact your adviser.

Inclusion of public hospitals and private hospitals in Hong Kong in the definition of Hospital under VHIS policy terms & conditions

With effect from 1 March 2023, the definition of “Hospital” in Part 8 “Definition” of your VHIS policy terms and conditions shall be refined to make clear that it shall include public hospitals as defined in the Hospital Authority Ordinance (Cap. 113 of the Laws of Hong Kong) and hospitals for which a licence is issued under the Private Healthcare Facilities Ordinance (Cap. 633 of the Laws of Hong Kong), subject to other conditions of (b), (c) and (d) in the definition. The relevant Supplement will be sent to all policy holders concerned on or before the respective policy renewals from 1 March 2023.

For any queries, please contact us at our Customer Service Hotline 3123 3123 or contact your adviser.

Migration arrangement for existing individual indemnity hospital insurance plans’ policy owners

Eligible customers can migrate their existing designated FWD individual indemnity hospital insurance plan to designated FWD certified plans under Voluntary Health Insurance Scheme.

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Product comparison

Comparison between the benefit items of our VHIS plans

Comparison between the benefit items of our VHIS plans and other FWD medical products

Professional health assistance services

Whenever you need information or assistance, FWD professional health assistance services, including CANcierge, second medical opinion services and international SOS 24-hour worldwide assistance services are always here to help.

HKSH cancer and rehabilitation planning consultation service

FWD partners with HKSH medical group to make available a pioneering cancer and rehabilitation planning consultation service to FWD customers of designated insurance plans in the event of a cancer diagnosis.

Mind Strength Support Programme

Enquiry and complaint channel & change of policy holder

Information for Policy Holder

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Policy provisions

Client can also obtain the policy provisions from your FWD financial advisor or our Service Hotline at +852 3123 3123.

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