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Outpatient Insurance
GBAssure Outpatient Plan
8 convenient outpatient services across Hong Kong, Designated Mainland GBA Cities¹, and Macau. Each visit to a network doctor costs you just HK$20²!
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All premiums are calculated on standard rates and this quote is for reference only. The premium levy, which we’re obliged to collect for the Insurance Authority, is payable in addition to the actual premium to be paid.
Before proceeding, please confirm you understand this product’s features and that it fits your need(s) and affordability.
Why needs Outpatient Insurance?
Are medical consultations getting more expensive? Are you reluctant to see a doctor due to costs? GBAssure Outpatient Plan (“GBAssure”) offers 8 convenient outpatient services in Hong Kong, Designated Mainland Greater Bay Area Cities1, and Macau, covering:
General Practitioner Face-to-face Consultation
General Practitioner Online Consultation4
Chinese Medicine Practitioner Face-to-face Consultation7
Psychiatric Consultation9 Rare in Market^
Dental Care10
Medical Check-up11
Colonoscopy Benefit12 First in market*
Laboratory Tests and Diagnostic Imaging7,8
GBAssure also specially offers Family Plan levels. [First in market*] Regardless of the number of Family Members15, one policy with one premium can protect the physical and mental health of three generations, ensuring your loved ones receive the care they deserve.
Are medical consultations becoming more expensive? The GBAssure Outpatient Plan can help!
medical inflation in Hong Kong in 202518
of Hong Kong residents can enjoy Group Medical Insurance19
Case study 1
He travels between Hong Kong and the Mainland frequently for work and the company doesn't provide group medical insurance.
| Dave's outpatient expenses in the past year: | Fee |
|---|---|
Dental Service (Scale & Polish) 20 | HK$ 980 x 2 times |
Chinese Medicine Practitioner Consultation21 | HK$ 500 x 2 times |
General practitioner outpatient consultation 22 | HK$ 410 x 6 times |
Annual outpatient medical expenses out-of-pocket | HK$ 5,420 |
If Dave insures with the GBAssure Outpatient Plan... The annual premium23 is as low as HK$2,480, which can save him about half of his outpatient medical expenses, making medical consultations more budget - friendly!
Case study 2
| Comparing Henry before and after being insured with GBAssure | Cost |
|---|---|
In the past year (before insuring with GBAssure), Henry and his family (7 people in total) spent20 out-of-pocket on dental service (scale & polish). | HK$ 980 x 7 times = HK$ 6,860 |
After insuring himself and his family with the GBAssure Family Plan A | HK$ 4,800 |
The family plan has no restriction on the number of Family Members15. Just one dental cleaning per User16 per Policy Year makes it worth it32! The more Family Members, the better the value!
Who needs Outpatient Insurance?
Outpatient insurance can help reduce the cost of each consultation, making medical services more affordable.
No health underwriting and medical examination are required for insurance application, filling the protection gap.
As people age, health problems may increase. Outpatient insurance can provide timely medical services.
If you want to stay in the best condition, regular check - ups are essential. Outpatient insurance can help you achieve your health goals easily.
Whether at home or traveling in the Greater Bay Area, you can enjoy seamless outpatient services through a high quality medical network.
What's special about GBAssure?
1
8 convenient outpatient services across Hong Kong, Designated Mainland GBA Cities1, and Macau
Seamlessly connect to Outpatient and Dental Medical Services in 3 regions:
Wide coverage: Hong Kong, Macau, Guangzhou, Dongguan, Foshan, Shenzhen, Zhongshan or Zhuhai
The 8 convenient outpatient services cover:
General Practitioner Face-to-face Consultation
General Practitioner Online Consultation4
Chinese Medicine Practitioner Face-to-face Consultation7
Psychiatric Consultation9 Rare in Market^
Dental Care10
Medical Check-up11
Colonoscopy Benefit12 First in market*
Laboratory Tests and Diagnostic Imaging7,8
Comparison of Outpatient Insurance – Protection Coverage
| FWD GBAssure | Company A | Company B | |
|---|---|---|---|
Benefit items | Benefit limit per Policy Year | ||
General Practitioner Consultation | Individual Plan: Maximum 38 visits26 Family Plan: Maximum 45 visits27 | Maximum 30 visits | Maximum 30 visits |
Chinese Medicine Practitioner Consultation | Individual Plan: Maximum 12 visits26 Family Plan: Maximum 16 visits27 |   | Maximum 5 visits |
Dental Care | 2 visits | | 1 visit |
Psychiatric Consultation | Maximum 10 visits27 | | |
Medical Check-up | 1 visit28 | 1 visit | |
Colonoscopy Benefit | Twice every 3-year27 | | |
The above information is based on a comparison made by FWD in April 2025 and is for general reference purposes only. The information may change due to updates in the insurance company's policies. All terms and contract details are subject to the latest official announcements/updates from such insurance companies. This website does not guarantee the timeliness or completeness of the information provided.
2
Covers General Practitioner Face-to-face and Online Consultation with Medicine Delivery3,4,5
| General Practitioner |   |   |
|---|---|---|
Include up to 3 days of Basic Medication3 |   | with Medicine Delivery5 |
Geographical coverage (Over 110 clinics29 to choose from) | ||
Hong Kong | (Co-payment14 HK$20) | (Co-payment14 HK$20) |
Macau | (Co-payment14 MOP$20) | |
Designated Mainland GBA Cities1 | (Co-payment14 RMB¥8) | (Co-payment14 RMB¥8) |
3
First in market*
Family Plan: One policy covers 3 generations
Unlimited number of Family Members15
People aged 0 (from 15 days) - 75 years old (actual age) are covered30
Flexibly add Family Members15
Share medical insurance limits
1 plan, 1 premium, and 3 generations benefit!
4
No health underwriting or medical examination is required
The insured can be up to 75 years old (actual age) at the time of application, and the policy provides coverage until the insured reaches 80 years old (actual age).
Age and health conditions are no longer obstacles to insurance.
Achieve the "Medical Freedom" Package
Outpatient Insurance
8 convenient outpatient services
Medical Insurance
Reimburses inpatient and surgical expenses
Have both outpatient and inpatient coverage to fill the protection gap.
vPrime Medical Plan is a Flexi Plan certified by the government under the Voluntary Health Insurance Scheme (Certification number: F00045) and is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD Life”) (VHIS provider registration number is 00036).
The abovementioned insurance plans are underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) ("FWD Life/ FWD "). This eCommerce Platform is operated by FWD Financial Limited ("FWD Financial"). FWD Financial is an appointed and licensed insurance agency of FWD Life (License No. FA2568).
We offer 5 different plans to meet your needs.
Plan 1 | Plan 2 | Plan 3 | |
|---|---|---|---|
Benefit items | Benefit limit per Policy Year | ||
1. (a) General Practitioner Face-to-face Consultation 2 (b) General Practitioner Online Consultation with Medicine Delivery 2,4,5 Maximum 1 visit per day for items 1(a) and 1(b) in aggregate | 16 visits in total | 32 visits in total | 38 visits in total |
2. Additional General Practitioner Online Consultation 4,6 | |||
No. of visits in Hong Kong | 2 visits (Maximum 1 visit per day) | 4 visits (Maximum 1 visit per day) | 4 visits (Maximum 1 visit per day) |
No. of visits in Designated Mainland GBA Cities1 | Unlimited visits (Maximum 1 visit per day) | Unlimited visits (Maximum 1 visit per day) | Unlimited visits (Maximum 1 visit per day) |
3. Chinese Medicine Practitioner Face-to-face Consultation 7 | 2 visits (Maximum 1 visit per day) | 6 visits (Maximum 1 visit per day) | 12 visits (Maximum 1 visit per day) |
4. Laboratory Tests and Diagnostic Imaging 7,8 |  | HK$2,000 | HK$5,000 |
5. Psychiatric Consultation 9 Rare in market^ | | | 5 visits |
6. Dental Care 10 | 2 visits | 2 visits | 2 visits |
7. Medical Check-up 11 | | 1 visit | 1 visit |
8. Colonoscopy Benefit 12 | Once every 3-year | Once every 3-year | Once every 3-year |
9. Death Benefit | HK$3,000 | HK$3,000 | HK$3,000 |
10. Accidental Death Benefit | HK$3,000 | HK$3,000 | HK$3,000 |
Annual Premium 13 | |||
For the geographical restriction of each benefit, please refer to the product brochure and Policy provision.
GBAssure at-a-glance
Basic plan
| Plan | Issue age (age next birthday) |
|---|---|
| Plan 1, 2, 3 | The Insured: 1 (from 15 days) – 76 |
| Family Plan A and Family Plan B | The Insured : 19 – 76 Family Member15: 1 (from 15 days) – 76 |
To Age 81 (age next birthday)
Yearly renewable to Age 81 (age next birthday)
No health underwriting and medical examination are required
Not guaranteed
Premium is not guaranteed and FWD reserves the right to review and adjust the premium rates based on factors including but not limited to the Age of the Insured at the time of renewal, claims experience, medical inflation, policy persistency and expenses from all policies under this product upon renewal, provided any premium review
will be applied to all other policies of the same kind
Annually
HKD
- Plan 1
- Plan 2
- Plan 3
- Family Plan A
- Family Plan B
- Hong Kong
- Designated Mainland GBA Cities¹
- Macau
GBAssure Outpatient Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) ("FWD Life/ FWD/We"). This eCommerce Platform is operated by FWD Financial Limited ("FWD Financial"). FWD Financial is an appointed and licensed insurance agency of FWD Life. (License No: FA2568)
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.
Please make sure you are eligible for this product before applying:
- I (and the Insured person if applicable) am a permanent HKID card holder with a Hong Kong residential address.
- Currently in Hong Kong at the time of making this application.
- I will not or have no intention to live or work outside Hong Kong or home country over 183 days in the coming 12 months.
- I am not a holder of the People’s Republic of China Resident Identity Card.
Note: Online applicants will be requested to visit FWD Insurance Solutions Centres under the following circumstances: 1) Collection of policy documents upon issuance of policy; 2) Cancellation of policy during the cooling-off period; 3) Change of beneficiary; or 4) Full surrender. Under specific circumstances, we may request online applicants to visit FWD Insurance Solutions Centres for identity verification.
Not exactly what you need?
If you’re looking for more coverage, simply contact us and we’ll get back to you with more information.
Want to know more
Who needs GBA outpatient plan?
GBA outpatient plan can meet the cross - border medical needs of people who frequently travel between GBA, Hong Kong, and Macau for living, working, or retirement. Whether at home or traveling in the GBA, you can enjoy seamless outpatient services through a high-quality Panel Network.
On top of General Practitioner Consultation, GBAssure Outpatient Plan provides comprehensive coverage — from prevention (such as the first-in-market* Colonoscopy Benefit12), diagnosis and treatment to recovery, giving you the strongest possible support throughout the patient journey. It offers 8 convenient outpatient services across Hong Kong, Designated Mainland GBA Cities1 and Macau, reducing the cost of each consultation for customers without or with insufficient group medical insurance. No health underwriting and medical examination are required for insurance application, helping people with health conditions or elderly customers fill the protection gap.
Can customer purchase more than one GBAssure Outpatient Plan?
Yes.
What are the differences between psychiatric consultation claims and other benefit items?
Psychiatric Consultation9 is only applicable to Plan 3, Family Plan A, and Family Plan B. Claims is payable on a reimbursement basis. There is no designated Panel Network, but the clinics must be located in Hong Kong, Designated Mainland GBA Cities1 (limited to the Outpatient department of a Hospital) and Macau. We will reimburse the eligible expenses of Psychiatric Consultation, subject to the coinsurance and limit specified in the policy schedule or any endorsement. Co-payment14 and/or limits are imposed on other benefit items such as General Practitioner Face-to-face Consultation, General Practitioner Online Consultation with Medicine Delivery3,4,5, Additional General Practitioner Online Consultation4, Laboratory Tests and Diagnostic Imaging7,8, Chinese Medicine Practitioner Face-to-face Consultation7, Colonoscopy Benefit12 or Dental Care10.