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The Plan provides full cover¹ on medical expense incurred for a series of hospitalisation and surgery. Without Lifetime Benefit Limit, the Plan entitles you to reimbursements of the Eligible Expenses and cash benefits, up to HKD8,000,000 per Policy Year.
In addition, whenever and wherever you require Emergency medical attention, the Plan will offer full cover¹ on the eligible medical expenses, including Emergency outpatient accidental treatment and Emergency outpatient dental treatment².

The Plan provides full cover¹ on a wide range of medical expenses, including Prescribed Non-surgical Cancer Treatments³, kidney dialysis⁴ (including the rental cost of a kidney dialysis machine for use at home) and organ or bone marrow transplantation.
On top of the Annual Benefit Limit, you are entitled to an additional benefit limit for these three kinds of treatments of up to HKD2,000,000 per Policy Year.

• Cash benefit for Day Case Procedure (First-in-VHIS-market⁵): Cash benefit will be doubled up if the Insured Person receives designated Day Case Procedure(s) at a Designated Healthcare Services Provider⁶ or designated Day Case Procedure(s) performed in mainland China;
• Cash benefit for major and complex surgeries (First-in-VHIS-market⁵): You need to undergo a surgical procedure which is categorized as major or complex according to the Schedule of Surgical Procedures or as reasonably determined by us if the surgical procedure is not included in the Schedule of Surgical Procedures, provided that the Eligible Expenses incurred during such Confinement period are payable; or
• Cash benefit for Confinement in Intensive Care Unit in Hong Kong (First-in-VHIS-market⁵): You have been confined in Intensive Care Unit for at least 3 consecutive days in Hong Kong

• Life enrichment program for Stroke^7,8offers you a rehabilitation program tailor-made to fit your needs and situations, accompanying you during your journey to recovery
• Reimbursement for a list of home facility enhancement⁴ prescribed by occupational therapists
• Stroke ancillary benefit⁴ covers charges on consultations and treatments prescribed by Specialists and Chinese medicine practitioners
• Provides the Disability subsidy benefit of HKD10,000 per month and up to 24 months per Incident per month

The Plan makes available 6 Deductible⁹ options, allowing you to specify the Deductible⁹ for medical treatment with flexibility. In addition, when your Policy has been in force for at least 2 consecutive years, you will be entitled to the right to reduce or remove your Deductible⁹ once per policy when you reach the Age of 50, 55, 60, 65, 70, 75 or 80 (attained age) without providing further proof of your health condition.

If you have ever been diagnosed with a designated crisis such as Specified Cancer, Heart Attack and Stroke, the Deductible⁹ will be waived under first-dollar coverage – Deductible⁹ waived for designated crises^4,10 if you have chosen the Plan with Deductible⁹ options.

If you haven’t made any claim for 2 or more consecutive Policy Years before renewal¹¹, the Plan will offer you no claims premium discount¹² on your next renewal¹¹ premium regardless of your Age. You may enjoy individual and extra no claims premium discount¹² of up to 25% by getting insured with your family.

If your Policy has been in force for 2 consecutive Policy Years, your baby will be born into the protection of a designated medical plan, effective for two years without further evidence of insurability and at no extra cost. This benefit applies to each newborn once only, but there is no limit to the number of eligible newborns.

One stop health solution⁸
• PREMIER THE ONEcierge for exclusive healthcare solutions with cashless facility tailor-made to suit your needs;
• Second Medical Opinions provided by some of the highest-ranked US medical institutions; and
• International SOS 24-hour Worldwide Assistance Service
Cancer Management Program⁸
[First-in-VHIS-market5] FWD x HKSH Medical Group (“HKSH”) — Cross-border Cancer Management Program, which consists of the following services:
• Free second medical opinion service with a face-to-face consultation with a doctor from HKSH Cancer Centre, who will review medical reports and provide you with a personalised treatment strategy (available in Hong Kong only);
• Cancer Concierge Service with a case nurse assigned by HKSH, coordinating the treatment plan for you throughout the journey; and
• Cross-border cancer Doctor-to-Doctor Tele-Opinion between HKSH and designated Hospitals in mainland China
Mainland China-focused services⁸
• International VIP Access accelerating your access to medical services by offering priority booking service at over 300 Grade 3A hospitals in mainland China;
• Exclusive medical companion services for the designated hospitals with International VIP Access in mainland China to assist you in hospital admission registration; and
• Cashless facility for hospitalization at all Grade 3A hospitals in mainland China

• Guaranteed renewable¹¹ up to Age 100 (attained age) of the Insured Person
• Any illness, Disease or Congenital Condition that was an unknown Pre-existing Condition at the time of Application will be fully covered by the Plan starting from the 31st day of the first Policy Year
• You may be eligible for tax deduction of up to HKD8,000¹⁴ per Insured Person per year of assessment for premium you paid

Do you know what factors FWD considers when handling medical claims?
Click this link to find out more about claims tips.