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FWD Medical Insurance
Looking for the right medical insurance for yourself and your family? FWD offers a wide range of medical insurance plans, from basic medical coverage and hospitalisation benefits to Voluntary Health Insurance Scheme (VHIS) plans, providing one-stop protection to cater to different life stages and budgets. With flexible plan options and comprehensive coverage combinations, you can tailor your protection to meet your family's needs, whether for everyday outpatient care, hospitalisation and surgery, or high medical expenses.
Compare FWD's medical insurance plans today to understand your coverage and premiums, be better prepared for medical expenses, and build a solid foundation for a worry-free future.
FWD medical plans
Looking for a medical insurance plan that fits your budget and provides comprehensive protection? FWD offers a variety of medical insurance options. Easily compare different plans on our online platform: review the plan features, coverage details and premiums all in one place!
Tips from MedInsurance Expert: How to compare medical insurance?
To choose a medical plan that fits you, you not only need to know your insurance needs and financial status, but also consider the plan from different aspects like its coverage, benefit limit, premium as well as related risk disclosures or etc. Please confirm your understanding of the product features that fit your need(s) before application. Check it out now!
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|---|---|---|---|
| Plan | MyMillion Medical Plan | vFamily Medical Plan | vPrime Medical Plan |
 Good value for money | First choice for family protection | No.1 in the market+ | |
| Features | Annual limit up to HK$4,000,000 Standard ward room Full cover1 for a series of hospitalisation and surgical expenses, prescribed non-surgical cancer treatments4, etc. 3 annual Deductible12 options; Deductible waived for designated crises6,12,17 | Worldwide23 full coverage1 for a wide range of hospitalisation and surgical expenses Up to HK$550,000 per Disability per Policy Year24 Standard ward room Full cover1 for a series of hospitalisation and surgical expenses, Prescribed Non-surgical Cancer Treatments4, psychiatric treatments13, etc. | Annual Benefit Limit up to HK$16,500,000 Standard semi-private room Full cover1 for a series of hospitalisation and surgical expenses, prescribed non-surgical cancer treatments4, psychiatric treatments13, etc. 6 Deductible12 options; deductible waived for designated crises6,17 |
Get instant quote Enter your age and gender to get quote | HK$10,000 HK$30,000 HK$60,000 | Deductible not applicable | HK$0 HK$16,000 HK$25,000 HK$50,000 HK$100,000 HK$250,000 |
18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 Gender | -- /mo* | -- /mo* | -- /mo* |
| Learn moreProduct brochure | Learn moreProduct brochure | Learn moreProduct brochure |
Eligible Ward Class5 | Standard ward room | Standard ward room11 | Standard semi-private room11 |
Types of VHIS Certified Plan | Not applicable | Flexi Plan | Flexi Plan |
Annual Benefit Limit | HK$4 million per Policy Year (No lifetime limit) | HK$550,000 per Disability per Policy Year24 (No annual and lifetime limit) | HK$16.5 million per Policy Year (No lifetime limit) |
Deductible12 options | 3 Annual Deductible12 options | Not applicable | 6 deductible12 options |
Specific protection against designated crises | First-dollar coverage – Annual Deductible12 waived for designated crises6,17 | Not applicable | First-dollar coverage – Deductible12 waived for designated crises6,17 |
FWD medical plans
Looking for a medical insurance plan that fits your budget and provides comprehensive protection? FWD offers a variety of medical insurance options. Easily compare different plans on our online platform: review the plan features, coverage details and premiums all in one place!
Tips from MedInsurance Expert: How to compare medical insurance?
To choose a medical plan that fits you, you not only need to know your insurance needs and financial status, but also consider the plan from different aspects like its coverage, benefit limit, premium as well as related risk disclosures or etc. Please confirm your understanding of the product features that fit your need(s) before application. Check it out now!
vPrime vCare One&All GBAssure Healthy Plus -- /mo* | vPrime vCare One&All GBAssure Healthy Plus -- /mo* |
|---|---|
| Product brochure | Product brochure |
Eligible Ward Class5 | |
Standard ward room | Standard ward room11 |
Types of VHIS Certified Plan | |
Not applicable | Flexi Plan |
Annual Benefit Limit | |
HK$4 million per Policy Year (No lifetime limit) | HK$550,000 per Disability per Policy Year24 (No annual and lifetime limit) |
Deductible12 options | |
3 Annual Deductible12 options | Not applicable |
Specific protection against designated crises | |
First-dollar coverage – Annual Deductible12 waived for designated crises6,17 | Not applicable |
Medical Insurance Claim Stories#
Easy Claims
Submit claims information
Select FPS to receive the claims,
get instant approval and payment in as fast as 35 seconds
Why FWD?
Successful claim rate*
95%
As fast as
35s
getting instant payout*
What our customers say?
Good variety of product! Very convenient!
The online platform is easy to use with clear instructions.
FWD online platform is so good! You can get protection in just 5 mins!
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* Terms & Conditions
What is medical insurance?
Medical insurance, also known as medical protection or health insurance, helps you manage unexpected medical expenses and provides financial support in times of illness or accident. It typically covers hospitalization, surgical procedures and diagnostic imaging tests on a reimbursement basis subject to the specified benefit limits, while some options also include general practitioner consultations, dental care and health check-ups.
FWD's medical insurance plans offer flexible and comprehensive protection tailored to different ages and budgets, helping you stay financially prepared for various medical needs with a peace of mind.
What are the different types of medical insurance?
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Medical insurance: Provides essential coverage for hospitalisation and basic treatments, helping you manage essential medical expenses caused by illness or accidents. These plans focus on core medical needs and help ensure you receive timely treatment without having to worry about costs.
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Hospital Income Plan: 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 and ease the financial burden of hospital treatment.
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Outpatient plan: Provides coverage for general practitioner consultations, basic medications, health check-ups and laboratory tests. Suitable for individuals or families who frequently use private outpatient services.
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Cancer insurance: Focuses on covering cancer-related expenses, including the costs of diagnosis, treatment and targeted therapy drugs. It also provides cancer care support to help manage treatment expenses.
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Voluntary Health Insurance Scheme (VHIS): A government-certified medical insurance scheme offering standardised coverage for hospitalisation and surgical needs. Policyholders can also enjoy tax deductions on premiums, balancing comprehensive private healthcare protection with tax benefits.
FWD includes tailored medical insurance plans that meet various needs:
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Medical protection
o One&All Medical Insurance Plan: An entry-level plan offering basic hospitalisation and medical coverage.
o MyMillion Medical Plan: Provides full reimbursement for hospitalisation and surgical expenses, including Standard Ward Room coverage in Asia to offer more affordable premiums. -
Voluntary Health Insurance Scheme (VHIS) Plans
o vPrime Medical Plan: Suitable for customers who prefer a higher standard of hospital accommodation and medical coverage.
o vFamily Medical Plan: Designed for frequent travelers, cross-border living, and family protection. -
Hospital Cash Coverage
o Healthy Plus Refundable Hospital Income Plan: Get up to HK$2,000 daily hospital cash. Upon policy maturity at the 20th Policy Anniversary, enjoy up to 108% premium refund, regardless of claims made. -
Outpatient Coverage
o GBAssure Outpatient Plan: Enjoy 8 major convenient outpatient services across Hong Kong, designated cities in Greater Bay Area, and Macau. -
Specific Illness Protection
o CANsurance Cancer Protection Plan: Focuses on coverage for cancer-related treatments and medically necessary expenses.
You can customize the level and scope of protection, from basic to comprehensive plans. Whether you're looking to expand everyday medical coverage, add overseas support, or simply raise your claim limits, FWD enables you to tailor a medical insurance solution that fits your personal health needs and budget.
How to compare medical insurance?
When comparing different medical insurance plans, it's important to look beyond just premium costs. You should also understand the coverage details, renewal arrangements, and long-term suitability of each plan. FWD's online platform allows you to compare medical insurance plans conveniently in one place, helping you review each plan's features and coverage, so you can pick the protection that best suits your budget and needs.
Understand the scope of coverage
Before choosing a medical insurance plan, carefully review what each plan covers, e.g. the maximum hospitalisation period, surgical fees, doctor consultation costs, intensive care, and day surgery. This ensures the plan matches your medical needs.
FWD offers various medical insurance plans, ranging from different coverage, with optional outpatient and supplementary benefits that allow you to tailor your protection flexibly.
Evaluate claims process and service quality
Medical insurance's efficiency and transparency during claims process are also key. A streamlined system reduces waiting time and stress when making a claim. Look for insurers that offer online or mobile app claims submission and electronic reimbursement services. Reliable customer support and clear claim procedures can make a significant difference when you need immediate medical assistance.
FWD offers online and mobile app claim services, plus a "Cashless Facility Service for hospitalisation" feature for faster and more convenient claim handling.
Select coverage based on your life stage and family needs
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Single professionals: Focus on hospitalisation and essential medical coverage to ensure adequate protection against unexpected illness or accidents. You can also take advantage of deductible options to balance coverage and premium affordability.
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Newlyweds and families planning for children: Consider adding outpatient or child medical coverage to build protection for future new family members. Families with young children may focus more on outpatient and hospitalisation coverage to meet frequent medical needs.
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Pre-retirement or retired individuals: Pay attention to renewal periods, premium adjustments, and long-term medical expenses. Increasing coverage limits can help reduce the impact of rising medical costs on retirement savings.