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vBooster Medical Plan
When things are costing more, you can save money by spending less. But when it comes to a health problem, cutting corners is not really an option for getting timely and quality medical treatments. vBooster Medical Plan, certified by the Hong Kong Special Administrative Region Government, provides you with a wide range of hospitalization and surgical coverage and high-quality ancillary services.
vBooster Medical Plan is a Flexi Plan certified by the Hong Kong Special Administrative Region Government under the Voluntary Health Insurance Scheme (“VHIS”) and is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability).
VHIS Plan Certification Number:
F00069-01-000-01 for Deductible HKD0;
F00069-02-000-01 for Deductible HKD16,000;
F00069-03-000-01 for Deductible HKD25,000;
F00069-04-000-01 for Deductible HKD50,000;
F00069-05-000-01 for Deductible HKD100,000;
F00069-06-000-01 for Deductible HKD180,000
VHIS provider registration number is 00036
Registration effective on 28 February 2019
The Plan provides full cover1 on medical expenses incurred for a series of hospitalisation and surgery with no itemised benefit limits. 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 cover 1on 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, which further eases your financial burden throughout your treatment journey.
You will be provided with an additional cash benefit under the following circumstance(s) if relevant Eligible Expenses are payable:
- 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, 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 Stroke6,7 offers you a rehabilitation
program tailor-made to fit your needs and situations, accompanying
you during your journey to recovery. - Stroke ancillary benefit4 covers charges for consultations and
treatments prescribed by Specialists and Chinese Medicine
Practitioners. - Home facility enhancement benefit4 enables you to be reimbursed with
a list of home facility enhancements prescribed by occupational
therapists to increase self-care capabilities. - Disability subsidy benefit8 provides HKD10,000 Disability subsidy
benefit per month8 to ease your financial burden.
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. You will worry less about your varying needs at different life stages which will be well catered for.
If you are ever 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 crises4,10(First-in-VHIS-market5) if you have chosen the Plan with Deductible9 options to lighten your financial burden and let you focus on your treatment and recovery.
If you haven’t made any claim for the Plan for 2 or more consecutive Policy Years immediately prior to 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 discount12of up to 25% by getting insured with your family.
Your baby will be born into the protection of a designated medical plan, effective for two years at no extra cost6,13, if your Policy has been in force for 2 consecutive Policy Years. This benefit applies to each newborn once only, but there is no limit to the number of eligible newborns.
- PREMIER THE ONEcierge6,7for exclusive healthcare solutions with
cashless facility tailor-made to suit your needs. - Second Medical Opinions6,7provided by some of the highest-ranked US
medical institutions. - International SOS 24-hour Worldwide Assistance Service6,7.
- Guaranteed renewable11 up to age 100 (attained age) of the Insured
Person. - Cover unknown Pre-existing or Congenital Conditions at the time of
Application 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.
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.
Eligible customers can migrate their existing designated FWD individual indemnity hospital insurance plan to designated FWD certified plans under Voluntary Health Insurance Scheme.
Whenever you need information or assistance, FWD professional health assistance services, including PREMIER THE ONEcierge one team health management, second medical opinion services and international SOS 24-hour worldwide assistance services are always here to help.
FWD partners with HKSH medical group to make available a pioneering cancer and rehabilitation planning consultation service to FWD customers of designated insurance plans in the event of a cancer diagnosis.
Client can also obtain the policy provisions from your FWD financial advisor or our Service Hotline at +852 3123 3123.
