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 Government under Voluntary Health Insurance Scheme (Certification Number : F00015-01-000-01).

3 Reasons To Buy

Other Features:

vCare Premium Discount

Enjoy 4-month premium discount if you apply for vCare medical plan in annual payment mode.

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 24-hour 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.
Want to know more?
* 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 24-hour 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 General Insurance Company Limited will be used to provide further services in relation to this form.
  1. Congenital Condition is only covered for which has manifested or been diagnosed after the age of 8 (attained age) of the Insured Person.
  2. 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 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 (attained age) or more but under the age of 25 (attained age) and receiving full time education at university, college, school or other similar educational establishment; or
    3) aged 18 (attained age) or more but incapacitated for work by reason of physical or mental disability
  3. It is subject to relevant underwriting requirements, otherwise, normal underwriting applies.
  4. It is not part of the Terms and Benefits of the Certified Plan – vCare Medical Plan (Certification Number: F00015-01-000-01).
  5. CANcierge, Second Medical Opinion Services & International SOS 24-hour Worldwide Assistance Services are provided by third party which are not guaranteed renewable. FWD reserves the right to terminate the service without further notice. For details of the services, please refer to the leaflet of FWD Professional Medical Assistance Services flyer.
  6. This option is only applicable if vCare has been in force for 2 Policy Years or above and the application shall be subject to the designated medical insurance plan with higher protection coverage available at that time and such terms and conditions as determined by FWD from time to time.
  7. 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.
  8. If you want to read the provisions, you can obtain a copy from the website of Voluntary Health  Insurance Scheme (www.vhis.gov.hk/en/).  

Find out more

24-hour Service Hotline 3123 3123 OR

LIVE CHAT