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 underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability), VHIS Plan Certification Number: F00032-01-000-02 (Flexi Plan)

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Other Features

Claims procedure

  1. VHIS Office of Food and Health Bureau (www.vhis.gov.hk) – for issues specific to the VHIS including product availability, features of Certified Plans and compliance with Code of Practice for Insurance Companies under the Ambit of the Voluntary Health Insurance Scheme;
  2. Insurance Authority (www.ia.org.hk) – for issues concerning the general conduct of insurance companies and intermediaries; and
  3. Inland Revenue Department (www.ird.gov.hk) – for issues concerning claims for tax deduction.
  4. FWD – Customers can make enquiries and lodge complaints with us via mail, email or our Service hotlines 3123 3123.
  1. Companies should not refuse any application by the Policy Holders for the transfer of ownership to – 
    (a) the Insured Person if he has reached the age of 18 years; 
    (b) the parent or guardian of the Insured Person if he is under the age of 18 years; or 
    (c) any person whose familial relationship with the Insured Person is accepted by the Company according to its prevailing Underwriting practices.
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* Mandatory

Disclaimer: The features above are indicative only. Please refer to the Product Brochure for details. For a complete explanation of the terms and conditions, please call our Service Hotline at +852 3123 3123.

By submitting this form, 
  • I have read and understood the Personal Information Collection Statement and agree to be bound by it. 
  • I understand that my personal data collected by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) will be used to provide further services in relation to this form.
  1. If you are a Hong Kong taxpayer, you are eligible for tax deduction up to HKD8,000 from the premium paid for yourself and your specified relatives. The proof of premium payment is issued to you on or before end of April every year for the premium paid during the preceding 12 months ending March of the same year. There is no cap on the number of specified relatives who are eligible for tax deduction. Tax deduction is applicable for Hong Kong only and shall be subject to the Inland Revenue Ordinance (Cap.112) and the Government’s policy as applicable from time to time. FWD Life Insurance Company (Bermuda) Limited (“FWD”) (incorporated in Bermuda with limited liability) and its intermediaries do not provide tax advice and you should consult your own tax advisors for any tax advice. For details, please refer to the websites of Inland Revenue Department of Hong Kong (www.ird.gov.hk/eng/) and Voluntary Health Insurance Scheme (www.vhis.gov.hk/en/).

    Specified Relative Conditions
    Parent or Grandparent
    (Including parent and grandparent of the spouse
    1) Aged 55 (attained age) or more; or
    2) under the Age of 55 (attained age) but eligible to claim an allowance under the Government’s Disability Allowance Scheme
    Child or Sibling
    (Including sibling of spouse)
    1) under the Age of 18 (attained age); or
    2) Aged 18 or more but under the Age of 25 (attained age)  and receiving full time education at a university, college, school or other similar educational establishment; or
    3) Aged 18 or more but incapacitated for work by reason of physical or mental disability
  2. FWD shall have the right to ask for proof of recommendation e.g. written referral or testifying statement on the claim form by the attending doctor or Registered Medical Practitioner.
  3. For details of supplementary major medical benefit, please refer to Section (I) of Part 1 of the Supplement - Enhanced benefits under the Policy provisions.

    a. The benefit limit shall be counted anew for each Confinement or Day Case Procedure for the same Disability provided that such Confinement or Day Case Procedure does not occur within 90 consecutive days following the Last Date (as defined in the Supplement - Enhanced benefits under the Policy provisions) of the previous Confinement or Day Case Procedure concerning the same Disability.
    b. The benefit limit shall not be counted afresh if the Insured Person is Confined or receives any Day Case Procedures involving more than 1 Disability.
    For details of benefit limit of supplementary major medical benefit, please refer to Section (I) of Part 1 of the Supplement - Enhanced benefits under the Policy provisions.
  4. Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
  5. If you haven’t made any claim for 2 or more consecutive Policy Years prior to Renewal, this Plan will offer you a discount of up to 15% on your next Renewal premium regardless of your Age to encourage you to stay healthy. No claims premium discounts apply as follows:

    No claims period immediately prior to the Policy's Renewal 

    No claims premium discount

    (Discount rate on Renewal premium)
    2 consecutive Policy Years 
    3 consecutive Policy Years 
    4 consecutive Policy Years 
    5 or more consecutive Policy Years 
  6. From the policies you hold as Policy Holder for your loved ones as Insured Person, this Plan offers an extra no claims discount on Renewal premiums if you and your loved ones haven’t made any claim for 2 or more consecutive Policy Years prior to Renewal.

    Number of in-force vCare Supreme Medical Plan policies
    issued to the Policy Holder which are also
    eligible for the above individual no claims premium discount
    on the Renewal Date


    Extra no claims premium discount under your Policy
    (Discount rate on Renewal premium)

    2 or 3 
    5 or above
  7. Congenital Condition is only covered for condition which has manifested or been diagnosed after the Age of 8 (attained age) of the Insured Person.
  8. It is not part of the Terms and Benefits of the Certified Plan – vCare Supreme Medical Plan (Certification Number: F00032-01-000-02). Please inform FWD in writing if you do not want to receive this free additional benefit.
  9. CANcierge, Second Medical Opinion Services & International SOS 24-hour Worldwide Assistance Services are provided by third party service provider(s) which are not guaranteed renewable. FWD reserves the right to amend, suspend and/or terminate the service without further notice. For details of the services, please refer to the leaflet of FWD Professional Medical Assistance Services.
  10. This additional benefit is available if the Insured Person or Insured Person’s spouse gives birth to a child after the Policy has been in force for 2 consecutive Policy Years from the Policy Effective Date (“Covered Child”). A one year coverage by a designated medical insurance plan for the Covered Child shall be offered without further evidence of insurability and at no additional charge.

    Once the coverage for the Covered Child is in effect and if the Covered Child suffers from Disability during the coverage period, FWD shall pay the Policy Holder the benefits based on the terms and benefits of the designated medical insurance plan. The benefit amount shall not be deducted from this Policy and shall not affect the coverage available to the Insured Person under this Policy.

    For more details, please refer to the Policy provisions.

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*Client can also obtain the policy provisions from your FWD financial advisor or our 24-hour Service Hotline at +852 3123 3123.

Service Hotline 3123 3123 OR