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Medical insurance
One&All Medical Insurance Plan
Affordable medical protection for everyone, with daily premium1 being less than HK$3
I am applying for
Gender
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.
One&All Medical Insurance Plan
1
Self-financed items are too costly, even using public hospital services still raise concerns about out-of-pocket spending
A cardiac stent for angioplasty (“Balloon Angioplasty”) costs3
Self‑financing cancer medications can cost up to HK$400,000 per year4
Many people worry they may not have enough savings to pay for these high self‑financing medical expenses…
One&All offers affordable protection for self-financing drugs and medical items required in public hospitals, which helps reduce your medical expenses.
2
Getting CT/MRI scan at public hospital may require waiting up to 4 years
When health issues arise, doctors may recommend a CT scan or MRI for more detailed diagnosis.
Worried about missing the golden treatment window…
One&All provides coverage for designated imaging tests conducted at private medical institutions when there is written recommendation and referral from a Hong Kong public hospital. This helps shorten waiting time and ensures you can access treatment at the optimal time.
3
Medical insurance premiums increase every year, making it difficult to afford after retirement
Worried that your passive income after retirement may not be enough to cover premiums…
One&All provides affordable and sustainable medical protection, giving you greater peace of mind and freedom in retirement.
Why can it be so affordable?
Some benefit items under One&All are subject to coinsurance8. Coinsurance means the Insured Person pays a certain percentage of the medical expenses. This helps share overall medical costs, allowing premiums to remain lower and the protection to stay long-term and sustainable.
If the Insured Person is unfortunately diagnosed with a designated crisis18, the coinsurance8 normally be payable will be waived17,18, and One&All will provide full coverage40. This further relieves financial pressure during treatment, allowing you to focus on recovery.
(applicable to the benefit level of “Beyond” and “Connect” only)
4
Seeking medical treatment in Mainland China is becoming a trend, but it’s hard to know where to start…
Driven by the rise of the “Northbound travel” trend, more Hong Kong people are considering seeking treatment in Mainland China as a more affordable alternative to local medical services, which are often costly and have long waiting times.
Seeking medical care in Mainland China is becoming a new trend, but many people are unsure where to begin…
One&All offers one‑stop support at designated network hospitals in the GBA, including appointment booking, admission arrangements, medical accompaniment services, and cashless discharge, making your Mainland medical journey simple and worry‑free.
5
Many caring children who hope to get coverage for their parents often face obstacles due to their parents’ health conditions
The older generation in Hong Kong may not have medical insurance, and some of their children are concerned about future medical expenses, prompting them to consider purchasing insurance for their parents.
Around 6 in every 10 people have high blood pressure11
Around 2 in every 10 people have diabetes12
These common elderly illnesses often lead to extra premiums (loadings) or even declined applications when applying for medical insurance…
When you apply for the “Connect” level of One&All, you can add the Family Booster for Parent Option13, which offers coverage similar to the “Access” level for your parent(s), without requiring any health underwriting or signing in person for them.
6
Concerned that “no work means no income” could leave you struggling to manage expensive hospital expenses…
Concerned that “no work means no income” could leave you struggling to manage expensive hospital expenses…
One&All provides additional cash benefits, offering financial support for hospitalization or day-case surgery anywhere in the world.
3 benefit levels segmented by region and hospital type
Simplified underwriting15 answering 3 simple questions
Coverage limit per disability2 per policy year
HK$500,000
Treatment expenses at Hong Kong public hospitals and treatments referred by them
- Self‑financed drugs and medical items
- Specified Diagnostic Imaging Tests16,17
Includes all benefits under Level
Access
Coverage limit per disability2 per policy year
HK$850,000
Treatment expenses at
public/private hospitals in Mainland China and Macau
Includes all benefits under Level
AccessBeyond
Coverage limit per disability2 per policy year
HK$1,000,000
Treatment expenses at
Hong Kong private hospitals and public/private hospitals in other Asian regions
This simplified diagram is for explanation purpose only. For the full terms, conditions, benefits and exclusions, please refer to the terms and benefits of the Plan.
How to choose?
| Benefit Level | You are… |
|---|---|
Access |
|
Beyond |
|
Connect |
|
Family Booster for Parent Option13
(optional benefit)
No health underwriting required for parents
No in‑person signature required from parents
Coverage of up to HK$500,000 per disability² per policy year
Treatment expenses at public hospitals and their referrals
Self‑financed drugs and medical items
Specified Diagnostic Imaging Tests16,17
Cash benefit for Confinement or Day Case Procedure
Issue age for parents: 18-75 (attained age)
Coverage until age 80 (attained age) or the termination of Basic Policy (whichever is earlier)
If a parent has the First Confirmed Diagnosis of a Severe Cancer, up to 5 years of payable premiums for that Covered Parent will be waived
Online insurance provides equally thoughtful service
(Each Eligible Customer24 can only enjoy this service once)
Learn more about the “Professional Pharmacists Medication Management Service”One&All at-a-glance
Standalone plan (Online application currently supports applications for standalone plans only. If you wish to apply for One&All as a rider, please leave your contact details and we will assist you as soon as possible)
Age 0 (from 15 days) – 80 (attained age)
Guaranteed yearly Renewable32 to age 100 (attained age)
- Based on Insured Person’s attained age at issue
- Renewal32 premiums are non-guaranteed and will be determined annually based on the Age of the Insured Person at the time of renewal32
To Age 100 (attained age)
Monthly / Annually
HK$/US$
Family Booster for Parent Option50 at-a-glance
Optional Benefit
Age 18 – 75 (attained age) of the Covered Parent
Yearly Renewable to Age 80(attained age) of the Covered Parent or the termination of Basic Policy (whichever is earlier)
- Based on the Age at issue of the parent of the Insured Person under Basic Policy
- Renewal premiums are non-guaranteed and will be determined annually according to the Age of the Covered Parent at the time of Renewal
To Age 80(attained age) of the Covered Parent or the termination of Basic Policy (whichever is earlier)
Follow Basic Policy
Follow Basic Policy
One&All Medical Insurance 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 One&All.
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
Which Benefit Level of the One&All Medical Insurance Plan provides the Cash Benefit for Day Case Procedures applicable to Designated Day Case Procedures45 performed by a Designated Healthcare Services Provider43?
For the Benefit Level “Connect” of One&All Medical Insurance Plan, the Cash Benefit for Day Case Procedures is applicable to Designated Day Case Procedures45 performed by a Designated Healthcare Services Provider43. The Insured Person will receive double cash benefits if the Designated Day Case Procedure45 is performed by a Designated Healthcare Services Provider43 or at a hospital listed in the designated hospital list in Mainland China.
Does the One&All Medical Insurance Plan provide coverage for proton therapy?
Yes. Proton therapy is a type of radiation therapy and is covered under the Basic Benefits as a Prescribed Non-surgical Cancer Treatments47.