vCore Medical Plan

Good health is a key element of success in life. The Government-Certified vCore Medical Plan (“vCore”) provides you with core coverage on hospitalisation and surgical care. Pursue your life goals, without the burden of unexpected health expenses!

vCore Medical Plan is a Standard Plan certified by the Hong Kong Special Administrative Region Government under 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: S00036-01-000-02).

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

Guaranteed renewable core protection

With no lifetime benefit limit, vCore reimburses a wide range of hospitalisation and surgical expenses up to an annual limit of HKD420,000. Also it is guaranteed renewable¹ until you reach age 100 (attained age).

Covers unknown pre-existing conditions

Even if an illness, Disease or Congenital Condition² is a Pre-existing Condition that was unknown at the time of Application, it will still be covered!

Tax savings

vCore meets Government's regulatory standards and if you are a Hong Kong taxpayer, you can claim tax deductions up to HKD8,000³ per Insured Person from the premium paid for yourself and your specified relatives annually.

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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.

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.

Enquiry and complaint channel & change of 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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