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VHIS Flexi Plan

vCare Medical Plan

Covers unknown pre-existing conditions.

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The premium is calculated on standard rates and is for reference only. The actual premium to be paid includes insurance levy collected by the Insurance Authority. Please confirm your understanding of the product features and it fits your need(s) before proceeding.

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Terms and Conditions

Take a Big Step towards Better Health

Unexpected financial burdens created by healthcare spending can interfere with your life plans. Medical costs are ever on the rise and will increase with age. Our Government-Certified vCare Medical Plan (“vCare”) offers exclusive features and comprehensive protection against a wide range of hospitalisation and surgical expenses, providing you with higher-quality medical services to meet your needs.

vCare Medical Plan is a Flexi Plan certified by the Hong Kong Special Administrative Region Government under Voluntary Health Insurance Scheme and is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability).

(VHIS Plan Certification Number: F00015-01-000-02).

VHIS provider registration number is 00036

Registration effective on 28 February 2019

Covers unknown pre-existing conditions

Even if an illness, Disease or Congenital Condition13 is a Pre-existing Condition, it will still be covered in case it was unknown at the time of application according to the reimbursement schedule.

Guaranteed renewable core protection

Without any Lifetime Benefit Limit, vCare reimburses a wide range of hospitalisation and surgical expenses up to an Annual Benefit Limit of HKD520,000 and is guaranteed Renewable¹ until you reach Age 100 (attained age).

Tax savings

vCore meets Government's regulatory standards to protect your benefits. If you are a Hong Kong taxpayer, you can claim tax deductions of up to HKD8,000² per Insured Person for the premium(s) paid for yourself and/or your specified relatives per assessment year.

Easy and simplified application

It is easy to apply by simply answering a few questions, and you can be on your way to be free from worries about unplanned healthcare expenses. No medical examination or any proof of health is required¹⁴. It’s that simple.

Professional health assistance team (Add-on feature)

Whenever you need information or assistance, the professional health assistance services⁵˒⁶ including CANcierge, second medical opinion services and international SOS 24-hour worldwide assistance services are always here to help.

One-off option to upgrade as your needs mature (Add-on feature)

You can upgrade your vCore policy to a designated plan with higher medical coverage, when you turn 50, 55, 60 or 65 (attained age), with the one-off convertibility option without re-underwriting or providing proof of insurability⁵˒⁷.

Protection for your precious newborns (Add-on feature)

With this coverage option, a designated medical plan coverage will be granted to your newborn baby⁵˒⁸ for one year without additional charge after the end of 2nd Policy Year.

vCare Medical Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) ("FWD Life/ FWD"). This eCommerce Platform is operated by FWD Financial Limited ("FWD Financial"). FWD Financial is an appointed and licensed insurance agency of FWD Life.

General Information

Plan type

Standalone Plan

Issue age

Age 0 (from 15 days) – 80 (attained age)

(Age of the Insured Person for online application must be 18 or above (attained age))

Premium structure
  • Based on Insured Person’s attained age at issue and gender
  • Renewable¹ premiums are non-guaranteed and will be determined annually according to the Insured Person’s attained age at the time of Renewable¹
Premium payment term

To Age 100 (attained age)

Premium payment mode

This platform offers Monthly premium payment mode

Policy holder can contact FWD Customer Service to amend premium payment mode after policy is effective



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 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 are looking for a product that offers broader benefit coverage and higher benefit limits, please contact us for more information.

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