vCANsurance Medical Plan

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:
F00051-01-000-01 for Standard benefit level;
F00051-02-000-01 for Superior benefit level).

VHIS provider registration number is 00036
Registration effective on 28 February 2019

Worldwide full coverage with innovative reimbursement basis

Provides full coverage² on a wide range of hospitalisation expenses⁵ without Annual Benefit Limit and Lifetime Benefit Limit anywhere in the world¹. Introduced the innovative concept of “per Disability³ per Policy Year” claims mechanism in the Plan, enabling you to utilize your coverage by having the aggregate limits per Disability³ per Policy Year counted afresh for each Disability³ and in each Policy Year.

Covers unknown Pre-existing Conditions

Any illness, Disease or Congenital Condition that was an unknown Pre-existing Condition at the time of Application will be fully covered by the Plan starting from the 31st day of the first Policy Year. The scope of protection is extended to cover Congenital Condition(s) having manifested or been diagnosed at any Age the Insured Person attains.

Get rewards by staying healthy with your family

If you have not made any claims for 2 or more consecutive Policy Years before Renewal¹², vCANsurance will offer you no claims premium discount⁴ of up to 15% on your next Renewal premium. If you and your loved ones haven’t made any claim for this Plan for 2 or more consecutive Policy Years immediately prior to Renewal¹² (for the policies you hold as Policy Holder and your loved ones are Insured Persons), you may enjoy individual and extra no claims premium discounts⁴ of up to 25% on the next Renewal premium.

The product information in this website is for reference only and does not contain the full terms and conditions, key product risks and full list of exclusions of the policy. For the details of benefits and key product risks, please refer to the product brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the plan.

Inclusion of value-added taxes and goods and services taxes as Eligible Expenses under VHIS Certified Plans

With respect of any Eligible Expenses under the VHIS Certified Plans incurred on or after 1 January 2022, Eligible Expenses shall include value-added taxes and goods and services taxes (“VAT and GST”) (if any) charged or imposed on the relevant medical expenses incurred, subject to the Terms and Benefits applicable in the relevant Certified Plans. The relevant Supplement will be sent to all policy holders concerned upon policy renewal.

For any queries, please contact us at our Customer Service Hotline 3123 3123 or contact your adviser.

Inclusion of public hospitals and private hospitals in Hong Kong in the definition of Hospital under VHIS policy terms & conditions

With effect from 1 March 2023, the definition of “Hospital” in Part 8 “Definition” of your VHIS policy terms and conditions shall be refined to make clear that it shall include public hospitals as defined in the Hospital Authority Ordinance (Cap. 113 of the Laws of Hong Kong) and hospitals for which a licence is issued under the Private Healthcare Facilities Ordinance (Cap. 633 of the Laws of Hong Kong), subject to other conditions of (b), (c) and (d) in the definition. The relevant Supplement will be sent to all policy holders concerned on or before the respective policy renewals from 1 March 2023.

For any queries, please contact us at our Customer Service Hotline 3123 3123 or contact your adviser.

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.

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Product comparison

Comparison between the benefit items of our VHIS plans

Comparison between the benefit items of our VHIS plans and other FWD medical products

Professional health assistance services

Whenever you need information or assistance, FWD professional health assistance services6,7, including PREMIER THE ONEcierge One Team Health Management, Second Medical Opinion Services and International SOS 24-hour Worldwide Assistance Services are always here to help.

HKSH cancer and rehabilitation planning consultation service

FWD partners with HKSH medical group to make available a pioneering cancer and rehabilitation planning consultation service to FWD customers of designated insurance plans in the event of a cancer diagnosis.

Mind Strength Support Programme

Enquiry and complaint channel

Information for Policy Holder

Remarks