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Top VHIS winner⁺

vPrime Medical Plan

Full cover for a range of hospitalisation and surgical expenses without Lifetime Benefit Limit

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Annual deductible options
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All premiums are calculated on standard rates and this quote is for reference only. The actual premium to be paid includes an insurance levy, which we’re obliged to collect for the Insurance Authority.

Before proceeding, please confirm you understand this product’s features and that it fits your need(s).

10Life 5-Star Awarded VHIS (Semi-Private)
  • Medical protection is rated 10/10
  • Resist medical inflation with an Annual Benefit Limit of up to HK$12.5 million
  • 6 deductible options, ranging from HK$0 to HK$250,000 per policy year

10Life calculates the estimated average coverage ratio and assigns the rating based on the public information shared by insurance companies. For more details, please refer to the 10Life website. The information provided is based on the data from the 10Life website which has not been independently verified by FWD. FWD makes no representations or warranties and accepts no responsibility or liability as to the accuracy, completeness or fitness for any particular purpose of the information. FWD Life shall not be responsible or liable for any loss or damages arising from the use of or reliance on such information.

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Terms and Conditions

Why do you need medical insurance cover?

Despite the relatively low fees and charges at public hospitals in Hong Kong, according to Hospital Authority’s information, waiting time for new case booking for specialist out-patient services of public hospital in Hong Kong is expected to reach as long as 4.5 years*.

Waiting time for new case booking for specialist out-patient services*

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The waiting time of private hospitals in Hong Kong is shorter, but this comes at significant upfront costs. According to the 2024 global medical trends survey report^, Hong Kong medical inflation is expected to increase to 8.36%^.

*Hospital Authority - Waiting Time for Stable New Case Booking at Specialist Out-patient Clinics, 30 September 2023. The abovementioned data is referenced to the longest waiting time (weeks) among all districts in Hong Kong, and divided by 4 to illustrate in months.
^ Willis Towers Watson: 2024 Global Medical Trends Survey Report

A comprehensive medical insurance plan can help you to cope with unexpected medical expenses with ease.
A comprehensive medical insurance plan can help you to cope with unexpected medical expenses with ease.

What is vPrime Medical Plan and why should you choose it?

vPrime Medical Plan ("vPrime") is a certified plan under Voluntary Health Insurance Scheme (“VHIS”). It offers reimbursement for medical expenses, including full cover¹ for a range of hospitalisation and surgical expenses without Lifetime Benefit Limit, and offers variety of cash benefits. With vPrime, we offer you the choice and flexibility of different deductibles to meet your protection needs and budget.

vPrime Medical Plan is a Flexi Plan certified by the Hong Kong Special Administrative Region Government (the “Government”) under the Voluntary Health Insurance Scheme (“VHIS”)(Certification number: F00045) and is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability).

VHIS provider registration number is 00036. Registration effective on 28 February 2019.

Comprehensive medical cover

The protection you need to safeguard your health

Full cover¹ for a range of hospitalisation and surgical expenses, Prescribed Non-surgical Cancer Treatments² as well as outpatient kidney dialysis³, up to HKD12.5 million per Policy Year and without Lifetime Benefit Limit

Covering unknown Pre-existing Conditions at the time of application, including Congenital Condition(s)

FWD Care third-party professional health assistance services⁴˒⁵ for the support you need

Enhanced benefits to support you on your road to health again

Pre- and post-Confinement/Day Case Procedure outpatient care³ , and post-Confinement home nursing³

Extra support for stroke rehabilitation

5 types of cash benefits

Discounts and waiver of Deductible⁷ which further ease your burden

First-dollar coverage – Deductible⁷ waived for designated crises3,8

No claims premium discount of up to 25%

A trusted plan with VHIS features

vPrime is certified by the Government and Policy Holders are eligible for tax deduction10

Guaranteed Renewable⁹ up to Age 100 of the Insured Person

General Information

Plan type

Standalone Plan

Issue age

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

Benefit term

Guaranteed yearly renewable⁹ to age 100 (attained age)

Premium structure
  • Based on Insured Person’s attained age at issue
  • Renewal⁹ premiums are non-guaranteed and will be determined annually and according to the Insured Person’s attained age at the time of renewal⁹
Premium payment term

To Age 100 (attained age)

Premium payment mode

This platform offers Monthly and Annual premium payment mode

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



Deductible⁷ options and certification numbers
Deductible optionscertification numbers

vPrime 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.

⁺vPrime Medical Plan won the Grand Award of "Most Innovative Product/Service Award - Voluntary Health Insurance Scheme" in Hong Kong Insurance Awards 2021 & 2022, Excellence Award from "VHIS plans series" and one Outstanding Awards from "Health & Protection” Financial Institution Awards 2022 by Bloomberg Businessweek.

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 vPrime.

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.

What is deductible?

It is a fixed amount of eligible expenses or expenses that, in a policy year, you must pay before we shall reimburse the remaining eligible Expenses or remaining expenses.

Frequently Asked Insurance Questions