Unexpected financial burdens created by healthcare spending can interfere with your life plans. Medical costs are ever on the rise and will increase with age. Our Government-Certified vCare Medical Plan (“vCare”) offers exclusive features and comprehensive protection against a wide range of hospitalisation and surgical expenses, providing you with higher-quality medical services to meet your needs.
vCare Medical Plan is a Flexi Plan certified by the Hong Kong Special Administrative Region Government under Voluntary Health Insurance Scheme and is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability).
(VHIS Plan Certification Number: F00015-01-000-02).
VHIS provider registration number is 00036
Registration effective on 28 February 2019
Covers unknown pre-existing conditions
Guaranteed renewable core protection
Tax savings
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.Coinsurance example
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