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vCANsurance Medical Plan
Like life itself, medical protection is best when it’s as simple as it can be. vCANsurance Medical Plan (“the Plan”), providing comprehensive yet straightforward coverage, is designed with simplicity in mind. With the Plan, you will be able to advance to the next milestone on your wonderful life journey with peace of mind.
vCANsurance 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:
F00051-01-000-01 for Standard benefit level;
F00051-02-000-01 for Superior benefit level).
VHIS provider registration number is 00036
Registration effective on 28 February 2019
Provides full coverage2 on a wide range of hospitalisation expenses5without Annual Benefit Limit and Lifetime Benefit Limit anywhere in the world1. Introduced the innovative concept of “per Disability3 per Policy Year” claims mechanism in the Plan, enabling you to utilize your coverage by having the aggregate limits per Disability3 per Policy Year counted afresh for each Disability3 and in each Policy Year.
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. The scope of protection is extended to cover Congenital Condition(s) having manifested or been diagnosed at any Age the Insured Person attains.
If you have not made any claims for 2 or more consecutive Policy Years before Renewal12, vCANsurance will offer you no claims premium discount4 of up to 15% on your next Renewal premium. If you and your loved ones haven’t made any claim for this Plan for 2 or more consecutive Policy Years immediately prior to Renewal12 (for the policies you hold as Policy Holder and your loved ones are Insured Persons), you may enjoy individual and extra no claims premium discounts4 of up to 25% on the next Renewal premium.
CANcierge6,7 professional health management team provide you with end-to-end customised services, ranging from hospitalisation arrangement to post-treatment supportive therapies and consultations, with cashless facility services.
Covers rehabilitation treatment8and private nurse’s fee8, lightening your financial burden and allowing you to focus on recovery.
On top of the respective aggregate limit per Disability3 Per Policy year of HKD650,000 (Superior benefit level) or HKD500,000 (Standard benefit level), you are entitled to an additional benefit for Prescribed Non-surgical Cancer Treatments9 and kidney dialysis8 of up to HKD500,000 (Superior benefit level) or HKD350,000 (Standard benefit level) per Disability3 per Policy Year.
vCANsurance offers your newborn6,10 baby a designated medical plan for one year at no extra cost without requiring further proof of insurability after your Policy has been in force for 2 or more consecutive Policy Years.
Offer you the wellness joy benefit11 for reimbursing the expenses on Wellness Activity(ies)6 including travel, fitness / wellness course or health check-up up to HKD2,000 (Superior benefit level) and HKD1,000 (Standard benefit level) once every five consecutive Policy Years.
- Guaranteed Renewable12 up to Age 100 (attained age)
- Formulated to meet all Government VHIS regulatory standards to protect your benefits, allowing you to enjoy tax deduction13
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.
Inclusion of value-added taxes and goods and services taxes as Eligible Expenses under VHIS Certified Plans
With respect of any Eligible Expenses under the VHIS Certified Plans incurred on or after 1 January 2022, Eligible Expenses shall include value-added taxes and goods and services taxes (“VAT and GST”) (if any) charged or imposed on the relevant medical expenses incurred, subject to the Terms and Benefits applicable in the relevant Certified Plans. The relevant Supplement will be sent to all policy holders concerned upon policy renewal.
For any queries, please contact us at our Customer Service Hotline 3123 3123 or contact your adviser.
Inclusion of public hospitals and private hospitals in Hong Kong in the definition of Hospital under VHIS policy terms & conditions
With effect from 1 March 2023, the definition of “Hospital” in Part 8 “Definition” of your VHIS policy terms and conditions shall be refined to make clear that it shall include public hospitals as defined in the Hospital Authority Ordinance (Cap. 113 of the Laws of Hong Kong) and hospitals for which a licence is issued under the Private Healthcare Facilities Ordinance (Cap. 633 of the Laws of Hong Kong), subject to other conditions of (b), (c) and (d) in the definition. The relevant Supplement will be sent to all policy holders concerned on or before the respective policy renewals from 1 March 2023.
For any queries, please contact us at our Customer Service Hotline 3123 3123 or contact your adviser.
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 services6,7 , 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.
