Voluntary Health Insurance Scheme

FWD provides five Government-certified plans under Voluntary Health Insurance Scheme (“VHIS”), offering flexibility for you to choose medical coverage that suit you the most, hence you can enjoy higher quality medical services.

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  • Full Coverage on hospitalization and surgical expenses, reimbursement of up to HKD8,000,000 Annual Benefit Limit

  • First-dollar Coverage – Deductible Waived for Designated Crises Protecting your precious newborns

  • Get rewards by staying healthy with your family Enjoy no claims premium discount of up to 25%

vPrime Medical Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability), VHIS Plan Certification Number: F00045-01-000-01for Deductible HKD0, F00045-02-000-01for Deductible HKD16,000, F00045-03-000-01for Deductible HKD25,000, F00045-04-000-01for Deductible HKD50,000 (Flexi Plan) VHIS provider registration number is 00036
Registration effective on 28 February 2019
  • Guaranteed Renewable Supreme Protection

  • Broadening the Safety Net to protect you against financial medical burdens

  • Government Regulated; Pay less in Tax and Save Money

vCare Supreme Medical Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability), VHIS Plan Certification Number: F00032-01-000-02 (Flexi Plan) VHIS provider registration number is 00036
Registration effective on 28 February 2019
  • Government Regulated; Pay less in Tax and Save Money

  • Guaranteed Renewable Core Protection up to age 100

  • Extra Cash Benefits

vCare Medical Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability), VHIS Plan Certification Number: F00015-01-000-01 (Flexi Plan) VHIS provider registration number is 00036
Registration effective on 28 February 2019
  • Government Regulated; Pay less in Tax and Save Money

  • Guaranteed Renewable Core Protection up to age 100

  • Easy and Simplified Application

vCore Medical Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability), VHIS Plan Certification Number: S00036-01-000-01 (Standard Plan)

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

  • Government Regulated; Pay less in Tax and Save Money

  • Comprehensive and Continuous Coverage

  • Cover Unknown Pre-existing Conditions

VChoice Insurance Plan is underwritten by FWD General Insurance Company Limited, VHIS Plan Certification Number: S00012-01-000-01 (Standard Plan)

VHIS provider registration number is 00012
Registration effective on 28 February 2019

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