We all want to take the best possible care of our loved ones, but unexpected healthcare spending can have a significant financial impact on the whole family. vCare Supreme Medical Plan (“the Plan”), certified by the Government, not only provides you with timely reimbursement on hospitalisation and surgical care, but also a range of quality health assistance services, encouraging you to extend the peace of mind to your loved ones by offering wellness incentives as rewards for staying healthy on top of tax savings.
vCare Supreme 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: F00032-01-000-04)
VHIS provider registration number is 00036
Registration effective on 28 February 2019
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Without Annual Benefit Limit and Lifetime Benefit Limit, the Plan reimburses a wide range of hospitalisation and surgical expenses. Since it is guaranteed Renewable1 until the Insured Person reaches the Age of 100 (attained age), you can rest assured that this scope of coverage will give you a well-rounded safety net throughout the years.
A supplementary major medical benefit2 is built in to cover 85% of the Eligible Expenses in excess of the designated benefit items and limits (including per surgery limit, per day limit, maximum number of days per Policy Year and per Policy Year benefit limit), up to HKD100,000 per Disability3 per Policy Year. The Plan also offers additional benefit4 for Prescribed Non-surgical Cancer Treatments5 and kidney dialysis6, up to a maximum of HKD50,000 per Policy Year.
Any illness, Disease or Congenital Condition7 that was an unknown Pre-existing Condition at the time of Application is also fully covered by the Plan from the 31st day of the first Policy Year. So even if you do not know about a Pre-existing Condition, your claim will still be reimbursable in full from the 31st day of the first Policy Year.
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