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FWD medical plans
Want a medical plan that fits your budget and covers your needs?
Check out the medical plan comparison below and learn more about the series of features offered by our plans!
Good value for money
MyMillion
First choice for family protection
vFamily
No.1 in the market
vPrime
Economical choice
vCare
 |  | | |
|---|---|---|---|
| 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$250,000 |
18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 Gender | HK$ -- /mo | HK$ -- /mo | HK$ -- /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
Want a medical plan that fits your budget and covers your needs?
Check out the medical plan comparison below and learn more about the series of features offered by our plans!
Check out the medical plan comparison below and learn more about the series of features offered by our plans!
Enter your age and gender to get quote
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Good value for money
MyMillion Medical Plan
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
HK$10,000
HK$30,000
HK$60,000
HK$
--
/mo
First choice for family protection
vFamily Medical Plan
Worldwide23 full coverage1 for a wide range of hospitalisation and surgical expenses
Up to HK$550,000 per Disability per Policy Year24
Standard ward room
Full cover1 for a series of hospitalisation and surgical expenses, Prescribed Non-surgical Cancer Treatments4, psychiatric treatments13, etc.
HK$
--
/mo
No.1 in the market+
vPrime Medical Plan
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
HK$0
HK$16,000
HK$25,000
HK$50,000
HK$100,000
HK$250,000
HK$
--
/mo
Economical choice
vCare Medical Plan
Annual Benefit Limit up to HK$520,000
HK$120,000 for prescribed non-surgical cancertreatments per Policy Year
Reimburses a range of hospitalisation and surgical expenses
HK$
--
/mo
Details comparison
vPrime vCare HK$ Learn more-- /mo | vPrime vCare HK$ Learn more-- /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#
Diagnosed with Colon Cancer
Mr. Cheung, Age 50, Company owner
Insured
vPrime Medical Plan
Deductible
HK$50,000
Claims ratio
105%
Diagnosed with Breast Cancer
Ms. Wong, Age 40, Clerk
Insured
vPrime Medical Plan
Deductible
HK$100,000
Claims ratio
102%
Diagnosed with Anterior Cruciate Ligament Injury
Mr. Chan, Age 20, Athlete
Insured
vPrime Medical Plan
Deductible
HK$25,000
Claims ratio
86%
#The provided claim cases are examples from FWD's real customers and are intended for reference purposes only. The actual medical expenses vary depending on doctors' recommendations and decisions regarding the patient's physical condition. The designated plan are subject to all relevant terms and conditions of respective policies. Reimbursement amount varies for each case, and the claims ratio may be less than 100%. FWD will evaluate claims based on individual circumstances. Total actual medical expenses for these cases are incurred within the same policy year, and clients had no known or unknown pre-existing conditions at the time of application. The claims ratio is calculated as the Total reimbursement amount divided by Total actual medical expenses, rounded to the nearest integer.
Easy Claims
1
Login to e-Services HK
Tap "File a Claim", then choose the claims type
2
Submit claims information
Submit claims information
3
Instant claims with AI assessment
Select FPS to receive the claims,
get instant approval and payment in as fast as 42 seconds
Why FWD?
96%
Successful claim rate*
Satisfied with buying experience*
91%
As fast as
42s
getting instant payout*
What our customers say?
Marvin.Lim
Good variety of product! Very convenient!
Yuki Tsuchiya
The online platform is easy to use with clear instructions.
Kamiliacx
FWD online platform is so good! You can get protection in just 5 mins!
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* Terms & Conditions