VChoice is an individual indemnity hospital insurance product regulated by government. With VChoice, you and your loved ones are covered for the medical treatments which helps ease the financial stress of medical treatments.

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vChoice Voluntary Health Insurance Plan is a Standard Plan certified by the Government under Voluntary Health Insurance Scheme (Certification Number :  S00012-01-000-01).

3 Reasons To Buy

Claims procedure

  1. VHIS Office of Food and Health Bureau ( – 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 ( – for issues concerning the general conduct of insurance companies and intermediaries; and
  3. Inland Revenue Department (  – for issues concerning claims for tax deduction.
  4. FWD – Customers can make enquiries and lodge complaints with us in writing or via our Service hotline 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. 

Online Application. No Proof of Health is required.

Enjoy extra offers upon successful online application between 1 April 2019 and 31 December 2019.

  1. VChoice is eligible for tax deduction by you (Hong Kong taxpayer). The annual premium statement will be 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 that are eligible for tax deduction. This tax deduction is applicable for Hong Kong only and shall be subject to the Inland Revenue Ordinance (Cap.112) and Government policy as applicable from time to time. FWD and its intermediaries do not provide tax advice and you should consult your own tax advisor for any tax advice. For details of tax deduction arrangement, please refer to the website of Inland Revenue Department of Hong Kong (

    Specified Relative Conditions
    Parent or Grandparent
    (including spouse’s parent or grandparent)
    1) aged 55 or more; or
    2) under the age of 55 but eligible to claim an allowance under the Government’s Disability Allowance Scheme
    Child or Sibling
    (including spouse’s sibling)
    1) under the age of 18; or
    2) aged 18 or more but under the age of 25 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. Guaranteed yearly renewal is subject to the continual availability of the Plan offered by FWD, terms and conditions applicable including but not limited to Termination Provisions, benefits, and premium rates at the time of renewal. Renewal premiums are not guaranteed and the premiums for each renewal are determined based on the age and the premium table applicable upon renewal. Premium table is subject to change based on factors including but not limited to the inflation of related medical expense, FWD’s medical claim experience and persistency of policies from time to time. FWD reserves the right to revise the benefits payable, terms and conditions and premiums at any time.

Find out more

Service Hotline 3123 3123 OR