vTheOne Medical Plan

Achieving success is a great way to simplify life. It makes it unnecessary to consider any alternatives to the very best of everything. This advantage is especially essential when it comes to the one area where no compromise should ever be accepted -- your health.

vTheOne medical plan (“the Plan”), certified by the Government, offers prestige medical benefits with an aim to provide coverage for a comprehensive treatment and recovery journey for you. vTheOne Medical Plan ("vTheOne") 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).

Benefit level	Deductible(HKD)
Benefit level	0	25,000	40,000	80,000	120,000	250,000
Standard	F00067-01-000-01	F00067-02-000-01	F00067-03-000-01	F00067-04-000-01	F00067-05-000-01	F00067-06-000-01
Standard Plus	F00067-07-000-01	F00067-08-000-01	F00067-09-000-01	F00067-10-000-01	F00067-11-000-01	F00067-12-000-01
Superior	F00067-13-000-01	F00067-14-000-01	F00067-15-000-01	F00067-16-000-01	F00067-17-000-01	F00067-18-000-01
Premier	F00067-19-000-01	F00067-20-000-01	F00067-21-000-01	F00067-22-000-01	F00067-23-000-01	F00067-24-000-01

VHIS provider registration number is 00036

Registration effective on 28 February 2019

Full cover for a series of hospitalisation and surgical expenses in Standard Private Room, with flexible choices of geographical coverage Limit, and without Lifetime Benefit Limit

The plan provides a full cover² on medical expense incurred for a series of hospitalisation and surgery in Standard Private Room with Annual Benefit Limit and without Lifetime Benefit Limit. The Plan also provides flexible choices of geographical coverage for non-Emergency Treatment such as Asia ³(for Standard or Standard Plus plan level), Worldwide excluding the United States of America (“USA”) (for Superior plan level) and Worldwide (for Premier plan level); and without geographical limitation for Emergency Treatment.

Broadening the safety net

The plan provides full cover² on a wide range of medical expenses, including Prescribed Non-surgical Cancer Treatments⁴, kidney dialysis⁷ (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 Policy Year, you are entitled to an additional benefit limit for these three kinds of treatments of up to HKD1,000,000 per Policy Year (for Standard and Standard Plus benefit level), HKD1,500,000 per Policy Year (for Superior benefit level) or HKD2,000,000 per Policy Year (for Premier benefit level), which further eases your burden throughout your treatment journey.

Innovative cash benefits to give you extra support

First-in-VHIS-market⁵: Cash benefit for major and complex surgeries
You need to undergo a surgical procedure which is categorized as major or complex according to the Schedule of Surgical Procedures or as reasonably determined by us if the surgical procedure is not included in the Schedule of Surgical Procedures, or
First-in-VHIS-market⁵: Cash benefit for Confinement in Intensive Care Unit in Hong Kong. You have been confined in Intensive Care Unit for at least 3 consecutive days in Hong Kong.

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 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.

FWD’s tax-deductible retirement solution

Save smart, pick smarter!

Deductible example

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 services, including PREMIER THE ONEcierge one team health management, MINDcierge, 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