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The plan provides a full cover2 on medical expense incurred for a series of hospitalisation and surgery in Standard Private Room with Annual Benefit Limit and without Lifetime Benefit Limit. The Plan also provides flexible choices of geographical coverage for non-Emergency Treatment such as Asia 3(for Standard or Standard Plus plan level), Worldwide excluding the United States of America (“USA”) (for Superior plan level) and Worldwide (for Premier plan level); and without geographical limitation for Emergency Treatment.

The plan provides full cover2 on a wide range of medical expenses, including Prescribed Non-surgical Cancer Treatments4, kidney dialysis7 (including the rental cost of a kidney dialysis machine for use at home) and organ or bone marrow transplantation. On top of the respective aggregate limit per Policy Year, you are entitled to an additional benefit limit for these three kinds of treatments of up to HKD1,000,000 per Policy Year (for Standard and Standard Plus benefit level), HKD1,500,000 per Policy Year (for Superior benefit level) or HKD2,000,000 per Policy Year (for Premier benefit level), which further eases your burden throughout your treatment journey.

First-in-VHIS-market5 : Cash benefit for major and complex surgeries
You need to undergo a surgical procedure which is categorized as major or complex according to the Schedule of Surgical Procedures or as reasonably determined by us if the surgical procedure is not included in the Schedule of Surgical Procedures, or

First-in-VHIS-market5: Cash benefit for Confinement in Intensive Care Unit in Hong Kong. You have been confined in Intensive Care Unit for at least 3 consecutive days in Hong Kong.

Reimburse for a list of home facility enhanement7 prescribed by occupational therapists

Stroke ancillary benefit7 covers charges on consultations and treatments prescribed by Specialists and Chinese medicine practitioners

Provides the Disability subsidy benefit of HKD12,000 per month and up to 24 months per Incident per month

The Plan provides 6 Deductible1 options ($0/$25,000/$40,000/$80,000/$120,000/$250,000) and 3 different geographical areas for you to choose, that allow the flexibility of the Deductible1 for medical treatment and geographical coverage. In addition. When your policy has been in-force for at least 2 consecutive years, you will be entitled to the right to reduce or remove your Deductible1 once per lifetime, or enjoy our first-in-VHIS-market5 feature, exercising the one-off right to upgrade your benefit level8 once per life when you reach the Age of 50, 55, 60, 65, 70, 75 or 80 (attained age) without providing further proof of your health condition.

If you are ever diagnosed with a designated crisis6, vTheOne provides Full cover2 and the deductible1 (if any) will be waived1, 6,7.

If you haven’t made any claim for 2 or more consecutive policy years before renewal10, vTheOne will offer you no claims premium discount11 on your next renewal10 premium. You may enjoy individual and extra no claims premium discount11 of up to 25% by getting insured with your family.

Your baby will be born into the protection of a designated medical plan, effective for two years without further evidence of insurability and at no additional charge8,9.

Life enrichment program
-offers you a series of rehabilitation program tailor-made to fit your needs and situations
First-in-VHIS-market5: Dementia Support Program
-offer a designated support program to the Insured or a referral service for a designated support program to the Insured Person parents
First-in-VHIS-market5: FWD provides MINDcierge
a referral service program for any mental health issues and child development, and ;
with 6 free counselling consultations services in Mainland China

PREMIER THE ONEcierge one team health management
By offering tailor-made treatments with one-stop solution, the services of which are covered in Hong Kong, Mainland China, Taiwan, Singapore and Japan, it arranges the most suitable treatment for you across the Pan Asia Region.

Professional hospitalization medical consultation service;
Arrange the admission procedures for you in the Pan-Asia Region and provides you with personalized travel-related assistance;
Cashless facility

Prevention is always better than cure, to encourage you to have a stay healthy, the Plan offers you the wellness joy benefit14 for reimbursing the expenses on wellness activity(ies) including travel, fitness / wellness course or health check-up.

• Guaranteed renewable10 up to age 100 (attained age)
• Covers unknown pre-existing or congenital conditions13 and offers
  full cover on unknown pre-existing conditions starting from the 31st
  day
• Claim tax deducation15 of up to HKD8,000 per year on the premiums
  paid for each Insured Person