Like life itself, medical protection is best when it’s as simple as it can be. vCANsurance Medical Plan (“the Plan”), providing comprehensive yet straightforward coverage, is designed with simplicity in mind. With the Plan, you will be able to advance to the next milestone on your wonderful life journey with peace of mind.
vCANsurance Medical Plan is a Flexi Plan certified by the Hong Kong Special Administrative Region Government under the Voluntary Health Insurance Scheme (“VHIS”) and is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability).
(VHIS Plan Certification Number:
F00051-01-000-02 for Standard benefit level;
F00051-02-000-02 for Superior benefit level).
VHIS provider registration number is 00036
Registration effective on 28 February 2019
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The Plan provides full coverage1 on a wide range of hospitalisation and surgical expenses, and 2 levels of Hospital accommodation options anywhere in the world2 (up to Standard Semi-Private Room3 for Superior benefit level). Without Annual Benefit Limit and Lifetime Benefit Limit, Eligible Expenses and/or other expenses which are reasonable and customary incurred can be reimbursed up to HKD850,000 and HKD650,000 per Disability4 per Policy Year for Superior and Standard benefit levels respectively.
By combining “per Disability4” and “per Policy Year” reimbursement basis, an innovative concept of “per Disability4 per Policy Year” claims mechanism is introduced in the Plan, enabling you to utilise your coverage by having the limits of individual benefit items and the aggregate limit per Disability4 per Policy Year counted afresh for each Disability4 and in each Policy Year.
The Plan provides full coverage1 on a wide range of medical expenses, including Prescribed Non-surgical Cancer Treatments5, kidney dialysis6 (including the rental cost of a kidney dialysis machine for use at home) and organ or bone marrow transplantation. On top of the respective aggregate limit per Disability4 per Policy Year of up to HKD850,000 (for Superior benefit level) and HKD650,000 (for Standard benefit level), you are entitled to an additional benefit for these three kinds of treatments of up to HKD850,000 per Disability4 per Policy Year (for Superior benefit level) or HKD650,000 per Disability4 per Policy Year (for Standard benefit level), which further eases your burden throughout your treatment journey.
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