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Top VHIS winner⁺

vPrime Medical Plan

Full cover for a range of hospitalisation and surgical expenses. Extra 1-month premium waiver for families.

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Annual deductible options
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7% lower




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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).

Why do you need medical insurance cover?

Despite the relatively low fees and charges at public hospitals in Hong Kong, according to news’ 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 3 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 a report published in 2022, Hong Kong medical inflation is expected to increase to 8.2%^.

TOPick news “【專科門診】醫管局料專科輪候時間疫後現反彈 推3大招縮短輪候時間], 17 June 2022
^ Sina’ news “Willis Towers Watson: 2022 Global Medical Trends Survey Report”, 8 March 2022

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, and the coverage of other medical costs needed for your recovery. 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 kidney dialysis³, up to HKD10 million per Policy Year

Covering unknown Pre-existing Conditions at the time of application from day 31 of your first policy year

Third-party professional health assistance services⁴˒⁵ for the support you need

Enhanced support on your journey to recovery


Built-in benefits for when you discharge from hospital (including the coverage of both western and Chinese medicine treatment³ and home nursing³)

Extra support for stroke rehabilitation

Discounts and waiver help to minimise your expenses


First-dollar coverage – deductible⁸ waived for designated crises³˒⁹

No claims premium discount of up to 25%

A trusted plan with VHIS features


Certified by the Government and eligible for tax deduction¹¹

Guaranteed renewable¹⁰ 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 renewable¹⁰ to age 100 (attained age)

Premium structure
  • Based on Insured Person’s attained age at issue
  • Renewal¹⁰ premiums are non-guaranteed and will be determined annually and according to the Insured Person’s attained age at the time of renewal¹⁰
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



Deductible⁸ 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 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’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.

Extra services

Extra services

Selected applicants with a special promotion code^ can enjoy a free FWD Wellness Pass 12-month plan, with unlimited access to designated health and wellness services at up to 50% discount. Terms & conditions apply. FWD Wellness Pass is a subscription service but not an insurance plan. For details, please see the brochure. This service is optional and does not form part of the Terms and Benefits of the VHIS Certified Plan. You have the right to opt-out this service.

^Special promotion codes include FWDVIP, FWDMAX and FWDREF.

Frequently Asked Insurance Questions