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Hospital Cash Insurance
Healthy Plus Refundable Hospital Income Plan
【Apply and earn extra draw chance】Regardless of any claims made, up to 108%¹ refund of Total Premiums Paid² at maturity!
I am applying for
Gender
Age
12-month Outpatient Medical Service
Choose a plan
Monthly
Annual
Have a promo code?
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).
From now on, you are entitled to the FWD Online Lucky Draw campaign automatically upon applying an insurance policy through FWD Online Insurance Platform! Stand a chance to win the latest smartphone, Osaka round-trip flight tickets for 2, and many more fabulous gifts, with a total of 888 prizes available! No limit in the chance a draws! The more insurance policies you apply for, the more draw chances you can have! Terms and conditions apply.
🧡1 draw chance for each insurance policy application
🧡1 EXTRA draw chance for existing life customers of FWD Online Insurance Platform upon application
🧡1 EXTRA draw chance for the following insurance products:
- vPrime Medical Plan
- Healthy Plus Refundable Hospital Income Plan
- Easy WealthPlus Endowment Plan 2
- MyTravel Insurance (Annual Plan)
Click here to learn more! Apply now and earn a chance to win!
About the policy currency
Please be informed that the USD version of Healthy Plus Refundable Hospital Income Plan is currently unavailable online. Our website will be updated in due course, please stay tuned for further updates. Customers applying for the HKD version will not be affected.
Why needs Healthy Plus ?
Healthy Plus Refundable Hospital Income Plan (“Healthy Plus”) is a hospital cash insurance that provides cash benefit based on the number of days the insured is hospitalized. It helps to compensate for the loss of income during hospital stays, serving as a godsend.
Healthy Plus provides income subsidy when you are sick; and allows you to save money when you are healthy!
Regardless of any claims made, you can get
up to 108%¹ refund of Total Premiums Paid² at maturity!
Why needs hospital cash insurance?
People without stable income are covered for lost work income during hospitalization!
Daily Wage Earners
Worried about "no work, no pay" and refuse to take leave, you may miss the best time to receive treatment
Freelancers / Slashers
With multiple jobs and income sources, you don't want to work while being hospitalized
Self-employed
No steady source of income
People with stable income can also have extra source of financial support!
Even if you have a full-time job, hospital cash can still be an extra source of financial support during confinement ……
For those with insufficient medical coverage
The company and/or existing personal medical coverage maybe insufficient to pay for the hospital bills
Healthy Plus can help you!
It provides daily hospital cash as “income subsidy” during confinement.
What’s special about Healthy Plus?
Full premium refund at maturityWhen you're sick, it acts as income subsidy; when you're healthy, it's money you can save!
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| FWD Healthy Plus | Company B | Company C | ||
|---|---|---|---|---|
|
Premium
Payment Term | 6 years | 10 years | 10 years | 5 years |
| Benefit Term | 12 years | 20 years | 10 years | 11 years |
|
Return at Maturity (% of Total Premiums Paid²) | 104% | 108% | 101% | 100% |
Daily hospital cash up to HK$2,000
1 day hospitalization may offset the premium!
5 choices of hospital cash benefit amount, regardless of any sickness(es), disease(s), illness(es) or injury(ies) that leads to hospitalization in public or private hospitals, and regardless of the actual medical expenses, you can receive Daily Hospital Cash Benefit3,4 based on the number of days of hospitalization, up to a maximum of 1,000 days per policy.
has applied for Healthy Plus – Plan J for himself
|
Comparison between monthly premium and Daily Hospital Cash Benefit3,4
| |
|---|---|
| Monthly Premium |
HK$1,980
|
| Daily Hospital Cash Benefit3,4 |
HK$2,000
Offset 1-month premium
|
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Taking up a medical insurance together allowing you to have better protection during hospitalisation, so you can be no worry at all!
Designated medical insurance can fully reimburse the eligible medical expenses.
Not only hospitalization, consultation and Chinese Medicine are also covered!
Apart from daily hospital cash, customers can opt for 12-month Out-patient Medical Service⁵!
| General Consultation | Specialist Consultation | Traditional Chinese Medicine | Physiotherapy and Bone-setting | |
|---|---|---|---|---|
| Co-payment per visit+ | HK$50 | HK$100 | HK$50 | HK$0 |
| Max. visits/ member | 30 visits | 10 visits | 10 visits | 5 visits / accident (at same appointed clinic) |
| No of visits/ day | 1 visit | |||
| Benefits | Inclusive of 3 days basic medication | - Subject to referral letter by registered western medical practitioner - Inclusive of up to 5 days basic medication | Inclusive of 2 days of basic herbs | Physiotherapy Treatment (Subject to referral letter by registered western medical practitioner) and Bone-setting Services |
+An amount that the Policy Owner is required to pay for the relevant Medical Services
Provide additional daily hospital cash benefits for the designated scenarios, with a total of up to HK$6,000 per day
Benefits^ corresponding
to designated Scenario
Amount of
daily hospital cash
Insured is confined at a hospital as a result of an Accident
(Additional Accidental Daily Hospital Cash Benefit3,4,6)
100%
Insured is confined at a hospital as a result of an accident involving public transport
(Additional Accidental Daily Hospital Cash Benefit involving Public Transport3,4,7)
100%
Insured is in a Confinement due to any Covered Infectious Disease
(Additional Infectious Diseases Daily Hospital Cash Benefit8)
100%^There is a maximum on the no. of days payable for each benefit, please refer to relevant remarks and policy provision for details.
Case example
has applied for Healthy Plus for herself – Plan J
If Candy is hospitalized due to bodily injury from an accident while commuting by bus3,4 | |
|---|---|
| Daily Hospital Cash Benefit3,4 | HK$2,000 |
| Additional Accidental Daily Hospital Cash Benefit3,4,6 | HK$2,000 |
| Additional Accidental Daily Hospital Cash Benefit involving Public Transport3,4,7 | HK$2,000 |
| Total daily hospital cash benefits up to | HK$6,000 |
Healthy Plus provides different additional daily hospital cash benefits, regardless of the actual hospitalization expenses!
You can enjoy extra 5% discount if you apply with your family!
If you apply this plan together with your spouse and/or children, you all can enjoy extra 5% premium discount throughout the premium payment term (the “Family Discount”)⁹!
Hospital cash insurance? Medical insurance? Which one to choose?
Hospital cash insurance
Coverage for the income loss during hospitalization
Medical insurance
Reimbursement of medical expenses
Hospital cash insurance and medical insurance can complement each other. Receiving income and treatment at the same time to achieve peace of mind!
One platform is “enough” for myself
If you are looking for a comprehensive protection, you can take out hospital cash insurance and medical insurance at the same time
Healthy Plus Refundable Hospital Income Plan
vPrime Medical Plan
Total 6-mo premium waiver in first 2 yrs
Family offer【Extra 1-mo premium waiver】
MyMillion Medical Plan
70% off
1st year premium
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).
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.
How good is FWD Online?
FWD Online - A one-stop insurance platform
Customers are asked as little as 1 health question with no medical exams or certificates.
Just a few taps and you can complete your online application as quickly as 5 minutes
Most customers can be covered with their policy emailed back as quickly as 30 minutes.
We make it easy to claim - and even easier to get paid. Selected claim types are approved and paid in just 42 seconds.
Voice of real customers
Good variety of product! Very convenient!
The online platform is easy to use with clear instructions.
Healthy Plus at-a-glance
Basic Plan
6 years / 10 years
| Premium Payment Term | Plan | Issue age (age next birthday) |
|---|---|---|
| 6-year | A/B/F/G | 1 – 65 |
| 6-year | C/D/E/H/I/J | 18 – 65 |
| 10-year | A/B/F/G | 1 – 60 |
| 10-year | C/D/E/H/I/J | 18 – 60 |
6-years premium payment term: 12 years
10-years premium payment term: 20 years
The premium is non-guaranteed11 but it will not be increased based on the age of the Insured on his or her next birthday.
HK$ / US$
This platform offers Monthly / Annual premium payment mode
The premium payment method cannot be changed after the policy is issued.
Healthy Plus Refundable Hospital Income 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.
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 are looking for a product that offers broader benefit coverage and higher benefit limits. Please contact us for more information.
