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Medical Insurance

MyMillion Medical Plan

A product designed for most of you with full coverage on a series of hospitalisation and surgical expenses to standard ward room at affordable premiums.

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Annual deductible options
What is an Annual Deductible?

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7% lower



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All premiums are calculated on standard rates and this quote is for reference only. The actual premium to be paid includes an insurance levy, which we’re obliged to collect for the Insurance Authority.

Before proceeding, please confirm you understand this product’s features and that it fits your need(s).

Do you find yourself in a similar situation?

No medical coverage

and looking for a relatively comprehensive medical insurance plan but worry about the affordability of such plans.

Have an individual medical/VHIS plan

but worry that the sub-limits of benefits under current medical insurance plan may not fully cover the medical expense for serious illness.

Have a group medical plan

but worry that the coverage of current medical insurance plan may not fully cover the medical expenses for serious illness or that you’d no longer be covered upon retirement.

MyMillion Medical Plan is here to help!

A medical insurance plan with affordable premiums suit for most of you with full cover¹ for a series of hospitalisation, surgical and expenses on a reimbursement basis without sub-limit

Guaranteed renewal up to Age 101

3 Annual Deductible options to fit your existing medical insurance plan’s coverage^

^ You should have regular review on your existing policies to ensure the coverages can meet your needs.

Product highlights

Designed for mass market at affordable premiums

Fully cover¹ a series of hospitalisation and surgical expenses in the Standard Ward Room² only for a lower premium.

The choice and flexibility of 3 Annual Deductible options to meet your protection needs and budget.

Spending your premium on the benefit items you need

Full cover¹ of a wide range of medical expenses up to HK$4,000,000 per Policy Year without any lifetime limit.

Covering unknown Pre-existing Conditions starting from the 31st day after the Policy Date.

Extra supports on designated illnesses and several cash benefits

Additional Benefit for Prescribed Non-surgical Cancer Treatment³, Kidney Dialysis and Organ or Bone Marrow Transplantation (“Additional Benefit”) up to HK$2,000,000 per Policy Year.

We will reduce the Balance of Annual Deductible to zero for the claim arising from designated crises, means the Annual Deductible will be waived in respect of such claim.

We offer several cash benefits to give you extra support.

Third-party professional health assistance services for the support you need

PREMIER THE ONEcierge⁷ with cashless facility in Pan-Asia (Hong Kong, Mainland China, Taiwan, Singapore and Japan).

Second Medical Opinion Service⁸.

International SOS 24-hour Worldwide Assistance Services⁸.

Case Study

Ms. Cheung (aged 40, non-smoker)

No known/unknown pre-existing conditions at the time of application

Got protection
Applied MyMillion Medical Plan as an insured with no case-based exclusion:

MyMillion Medical Plan - Superior
Annual Deductible
Policy Date
expense icon

Medical expenses covered by MyMillion Medical Plan ("MyMillion")

Eligible Expenses
Pre-confinement outpatient treatments
Confinement and surgery for mastectomy
Prescribed Non-surgical Cancer Treatments

Total Eligible Expenses
Balance of Annual Deductible

Total reimbursement amount

HK$ 822,000

price iconFull Cover

Ms. Cheung can also get the cash benefit of HK$500 under Cash Benefit for Day Case Procedure for the Day Case Procedure of Ultrasound-guided Core Needle Biopsy.


If the benefit payment has reached the Annual Limit, the excess of Eligible Expenses for Prescribed Non-surgical Cancer Treatments can be covered by Additional Benefit (up to HK$2,000,000 per Policy Year).

The above example is hypothetical and for illustration purpose. All figures and amounts used are based on assumptions made for REFERENCE only. Each case is different and will be determined by FWD via claim assessment on a case by case basis.

General Information

Plan type

Basic Plan

Issue age

1 (from 15 days) – 81

Premium Structure
  • Based on Insured’s Age at policy issuance
  • Renewal premiums are non-guaranteed and will be determined annually and accordingly to the Insured’s Age upon renewal⁹.
Premium payment term

To Age 101

Benefit term

Guaranteed yearly renewable⁹ to Age 101

Premium payment mode

Monthly / Annually



Territorial scope of cover

Except for Psychiatric Treatments¹⁰ and Cash Benefit for Confinement in General Ward of Public Hospital in Hong Kong;

  • Asia¹¹ for non-Emergency Treatment
  • Worldwide for Emergency Treatment
Entitled ward class

Standard Ward Room²

Annual Deductible options (applicable to items I to III)

HKD 10,000 / HKD 30,000 / HKD 60,000

MyMillion Medical 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 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.

Looking for other cover?

If you’re looking for more coverage, simply contact us and we’ll get back to you with more information.

What is an Annual Deductible?

It is a fixed amount of Eligible Expenses or expenses that, in a Policy Year, you must pay before we shall reimburse the remaining Eligible Expenses.

Frequently Asked Medical Insurance Questions