.svg?format=webp)
VHIS
vFamily Medical Plan
A VHIS plan made for everyone, offering worldwide1 coverage and instant protection for medical expenses from the first dollar.
I am applying for
Gender
- No medical underwriting required
- Covers both children already born and those yet to be born, until they reach age 19 (attained age)
- Option to apply for a designated medical insurance plan at specified ages of the Covered Child without providing any health evidence
Please refer to the relevant product brochure and policy provision for details.
Choose a plan
Monthly
Annual
Have a promo code?
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.
Why needs VHIS?
vFamily Medical Plan (“vFamily” or “the Plan”)3 is a Voluntary Health Insurance Scheme (VHIS) that provides tax deduction4. It is guaranteed Renewable5 up to age 100 (attained age), regardless of changes in the Insured Person’s health condition, age, or claims history, providing peace of mind at every stage of life!
vFamily3 provides full coverage6 for a wide range of hospitalization and surgical expenses anywhere in the world1. Without Annual Benefit Limit and Lifetime Benefit Limit, Eligible Expenses and/or other expenses can be reimbursed up to HK$550,000 per Disability2 per Policy Year, offering comprehensive worldwide1 medical protection for hospitalization.
Who needs vFamily?
Frequently travel between Hong Kong and overseas, or on long business trips? vFamily offers worldwide1 coverage, giving you peace of mind wherever you are.
Travel abroad frequently? Stay protected against unexpected medical needs during your journey for worry-free trips.
No medical coverage? Reduce the financial burden caused by illness or accidents and enjoy peace of mind.
Worried about high medical costs? Enjoy zero out-of-pocket expenses with protection starts from the very first dollar, giving you peace of mind to protect your health
What’s special about vFamily?
1
Worldwide1 full coverage6 for a wide range of hospitalisation and surgical expenses up to HK$550,000 per Disability per Policy Year2
In the Hong Kong market, VHIS generally falls into two categories: full coverage6 and sub-limit coverage. Both focus on providing medical coverage, but each has its own unique features.
vFamily3
 Worldwide1 Full coverage6 | Some medical insurance plans in the market7
Sub-limit coverage
| |
|---|---|---|
 Room and board |  Full cover6(No deductible8) |  HK$750/day (Self-paid for excess) |
 Specialist’ fee17 | Full cover6(No deductible8) | HK$4,300/day (Self-paid for excess) |
 Surgeon’s fee | Full cover6(No deductible8) | Up to HK$50,000/ surgery (Self-paid for excess) |
vFamily3 provides full coverage6 for a wide range of hospitalization and surgical expenses anywhere in the world1 up to HK$550,000 per Disability per Policy Year2, with protection starting from the very first dollar.
2
Family Booster for Child Option (Optional Benefit)9: 1 medical plan covers 2 generations10 with no medical underwriting required and no limit on the number of Covered Children
Parents always strive to secure the strongest health protection for their children, but conditions such as autism or ADHD often make it difficult for them to obtain insurance coverage for their children. vFamily3 offers a more thoughtful solution: when parents apply for vFamily and add-on Family Booster for Child Option (Optional Benefit)9,12 for their children, the children can receive coverage for designated crises, juvenile diseases, and child development without any medical underwriting. As they grow and reach the specified age, they may also apply for a designated medical insurance plans without providing any health evidence13. “One Plan can cover Two generations”10, giving you and your children peace of mind through every stage of growth.
Protect yourself |
|---|
vFamily3  Certified VHIS flexi plan, eligible for tax deduction4 Guaranteed Renewable5 up to age 100 (attained age), regardless of changes in health condition, age, or claims history Worldwide1 full coverage6 for a wide range of hospitalisation and surgical expenses up to HK$550,000 per Disability per Policy Year2 Extensive protection during pregnancy14,15,16 No deductible8, enjoy coverage with first-dollar protection for medical expenses Stay healthy with no claims and enjoy up to 30% no claims premium discount11 every Policy year |
Protect your children |
|---|
Optional Benefit Family Booster for Child Option9 No medical underwriting required One premium with no limit on the number of Covered Children Covers both children already born and those yet to be born, until they reach age 19 (attained age) Triple protection:
|
- add on the “Family Booster for Child Option9” when applying vFamily for myself, or
- insure a separate vFamily for my child?
Comprehensive coverage vFamily | Budget-friendly Family Booster for Child Option9 | |
|---|---|---|
Protection Format | Insure an individual policy for child | Add on when parents applying vFamily for own self |
VHIS | |  |
Underwriting | | |
Benefit Term | Until age 100 (attained age) of the Insured Person | Until age 19 (attained age) of the Covered Child or the termination of vFamily Medical Plan (whichever is earlier)20 |
Reimbursement of Medical Expenses | Up to HK$550,000 per Disability2 per Policy Year, with no Annual Benefit Limit and Lifetime Benefit Limit | Lifetime benefit limit up to HK$800,000 (per Covered Child) covering 62 designated crises and 13 designated special diseases for juvenile |
Premium | Comparatively higher, one premium covers one Insured Person | Comparatively lower, with no limit on the number of Covered Children |
3
Innovative cash benefits to give you extra financial support
vFamily not only can reimburse medical expenses, but also offer extra cash benefits in specified circumstances to help with non-medical costs like transport and meals. This way, you can focus on getting better while easing the stress of everyday life.
Cash benefits | Cash benefits amount |
|---|---|
(1) Day case procedures21 |
Payable once per day for a maximum of 1 Day Case Procedure in accordance with item (i) or (ii) above.
|
(2) Cash benefit for top-up subsidy23 (Make claims from your employee benefit and other insurance companies) |
|
Market-first in the VHIS market+
Major and complex surgeries24
|
(Maximum 1 major or complex surgery per day)
|
Market-first in the VHIS market+
Confined in Intensive Care Unit in HK25
|
|
Market-first in the VHIS market+
Confined in Intensive Care Unit in HK due to pregnancy complications16
|
|
4
Extra rewards for staying healthy with no claims premium discount up to 30%11
Even without claims, buying medical insurance is never wasted. Stay healthy and enjoy up to 30%11 premium discount every Policy year.
| FWD vFamily3 | Company B VHIS | Company C VHIS | |
|---|---|---|---|
| Self Application | 15% | | |
| Application for self and family | 30%11 |
Reward for staying healthy and making no claims: enjoy a Renewal premium discount and save money instantly!
Other product highlights
The protection you need to safeguard your health
The limits reset per Disability per Policy Year2
Broadening the safety net
Extensive protection during pregnancy
Enhanced benefits to support you on your road to health again
Rehabilitation benefits
Reimbursement for engaging in wellness activities
A trusted plan with VHIS features
Guaranteed Renewable5 up to Age 100 (attained age) of the Insured Person
Provide comprehensive protection by covering unknown pre-existing conditions at the time of application, including congenital conditions
Eligible for tax deduction
Online insurance provides equally thoughtful service
Examination & Diagnosis
Treatment
(852) 8120 9066
vFamily at-a-glance
Standalone Plan
Age 0 (from 15 days) – 80 (attained age)
Guaranteed yearly Renewable5 to age 100 (attained age)
- Based on Insured Person’s attained age at issue and gender
- Renewal5 premiums are non-guaranteed and will be determined annually and according to the Insured Person’s attained age at the time of renewal5
To Age 100 (attained age)
Monthly / Annually
HK$
F00072-01-000-01
Family Booster for Child Option43,44 at-a-glance
Optional Benefit
- For Family Booster for Child Option43,44: Age 18– 55 (attained age) of the Insured Person of vFamily Medical Plan
- For coverage for each Covered Child under the Family Booster for Child Option43,44: Age 0 – 18 (attained age) of the Covered Child
- For Family Booster for Child Option43,44: Yearly Renewable to age 100 (attained age) of the Insured Person of vFamily Medical Plan or the termination of vFamily Medical Plan (whichever is earlier)
- For coverage for each Covered Child under the Family Booster for Child Option43,44: Until age 19 (attained age) of the Covered Child or the termination of vFamily Medical Plan (whichever is earlier)
- Based on the attained age at issue and gender of the Insured Person of vFamily Medical Plan
- Renewal premiums are non-guaranteed and will be determined annually according to the attained age of the Insured Person of vFamily Medical Plan at the time of Renewal
- To age 100 (attained age) of the Insured Person of vFamily Medical Plan or the termination of vFamily Medical Plan (whichever is earlier)
Monthly / Annually
HK$
vFamily Medical 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 vFamily.
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.
Frequently Asked Insurance Questions
What is VHIS?
The Voluntary Health Insurance Scheme (VHIS) is a policy initiative introduced by the Health Bureau. VHIS products are individual indemnity hospital insurance products complied with the minimum requirements set out by the Health Bureau. It aims to enhance the protection level of individual indemnity hospital insurance products, provide the public with an additional choice of using private healthcare services through individual indemnity hospital insurance, and relieve the pressure on the public healthcare system in the long run. VHIS also allows you to enjoy tax deduction4.
Why do I need VHIS?
Facing sudden illnesses, taking out medical insurances earlier can provide you with protection, allowing you to easily handle hospitalisation and surgical expenses. One of the benefits of choosing VHIS is that it can cover unknown pre-existing conditions at the time of application (subject to relevant waiting periods) and guarantee renewal up to the age of 100 (attained age). Additionally, the plan must comply with the government's standard terms and conditions, minimum coverage, and benefit limits, allowing you to enjoy higher protection and transparency.
What is the difference between a medical insurance plan in general and VHIS?
The terms of medical insurance plans in general vary by insurance companies, while VHIS is certified by the government and must be complied with several standard product requirements to enhance consumer protection. Besides, VHIS is eligible for tax deduction4.