Success brings with it ever greater responsibility, and one milestone reached is but a signpost to the next milestone that awaits. To prepare yourself for the ups and downs, highs and lows in your extraordinary life journey, what you need is a comprehensive and transparent medical insurance plan which provides you with a wide range of hospitalization and surgical coverage and high quality ancillary services.

vPrime Medical Plan is a Flexi Plan certified by the Hong Kong Special Administrative Region Government under the Voluntary Health Insurance Scheme (“VHIS”)
(Certification Number:
F00045-01-000-01 for Deductible HKD0,
F00045-02-000-01 for Deductible HKD16,000,
F00045-03-000-01 for Deductible HKD25,000,
F00045-04-000-01 for Deductible HKD50,000)

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3 Reasons To Buy

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, with offers upon successful migration.
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Other Features

  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 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. Full cover shall mean no itemised benefit sublimit, the actual amount of Eligible Expenses and other expenses charged after deducting the remaining Deductible (if any) and is subject to the Annual Benefit Limit and the Lifetime Benefit Limit. Full cover applies to selected benefit items only, while other benefit items are not fully covered and are subject to respective benefit item’s limits. Please refer to Benefit Schedule and Policy provisions for details.
  2. Eligible Expenses incurred for any non-Emergency Treatments performed outside Asia shall be payable up to the benefit limits as stated in the benefit schedule attached to the Standard Plan Terms and Benefits. Psychiatric treatments and cash benefit for room and board Confinement below entitled ward class in a private Hospital in Hong Kong shall only be payable for Confinement in Hong Kong. Please refer to Section 1 of Part 1 of the Supplement – Limitation of benefits under the Policy provisions for details.
  3. Disability subsidy benefit shall be payable up to maximum 24 months per Incident.
  4. This benefit/service is optional and does not form part of the Terms and Benefits of the VHIS Certified Plan – vPrime Medical 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). You have the right to opt-out this benefit/service. Please inform FWD in writing if you do not want to receive this free additional benefit/service.
  5. 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”). Two years 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.

  6. 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.
  7. PREMIER THE ONEcierge, Second Medical Opinion Services, International SOS 24-hour Worldwide Assistance Services and Life Enrichment Program are provided by third party service provider(s) which are not guaranteed renewable. FWD reserves the right to amend, suspend or terminate the service without further notice. For details of the services, please refer to the leaflet of FWD Professional Medical Assistance Services.
  8. Deductible shall mean a fixed amount of Eligible Expenses or expenses that, in a Policy Year, the Policy Holder must pay before FWD shall reimburse the remaining Eligible Expenses or remaining expenses.
  9. Only applicable to the policy with Deductible and subject to the Annual Benefit Limit and Lifetime Benefit Limit. FWD shall not waive the payment of any balance of Deductible if the medical service is related to a designated crisis whose symptoms appear or relevant diagnosis or surgery occurs within the first 90 days from the Policy Effective Date. Please refer to the Policy provisions for the details and definition of designated crises.
  10. Individual No Claims Premium Discount

    If you haven’t made any claim for 2 or more consecutive Policy Years before Renewal, vPrime will offer you a discount of up to 15% on your next Renewal premium. No claims premium discounts apply as follows:

    No claims period immediately prior to Policy’s Renewal No claims premium discount(Discount rate on Renewal premium)
    2 consecutive Policy Years 10%
    3 consecutive Policy Years 10%
    4 consecutive Policy Years 10%
    5 or more consecutive Policy Years 15%

    Extra No Claims Premium Discount

    For the policies you hold as Policy Holder for yourself and your specified relatives as Insured Person, vPrime offers an extra no claims premium discount on Renewal premiums if no claim has been made for 2 or more consecutive Policy Years under more than one of the policies according to the number of eligible policies before Renewal -

    Number of in-force vPrime 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 2.5%
    4 5%
    5 or above 10%
  11. 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 ( and Voluntary Health Insurance Scheme (

    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
  12. Congenital Condition is only covered for condition which has manifested or been diagnosed after the Age of 8 (attained age) of the Insured Person.

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

Service Hotline 3123 3123 OR