FWD vPrime Medical Plan (VHIS)

From ~HK$395/mo(HK$395)

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FWD vPrime Medical Plan (VHIS) (富衛尊衛您醫療計劃 (vPrime 自願醫保)) from FWD Insurance Hong Kong carries a 9.5/10 actuarial rating with HK$16,500,000 annual medical protection across Semi-Private / Private tiers.

Source: FWD Insurance Hong Kong

Key Metrics

Insurer

FWD Insurance Hong Kong

: 10Life Actuary Score: 9.5 / 10

Annual Coverage Limit

HK$16,500,000

Lifetime Limit

Unlimited (No Lifetime Cap)

Deductible Options

HK$0 / HK$16,000 / HK$25,000 / HK$50,000

Hospital Room Tier

Semi-Private / Private

VHIS Tax Deduction

Up to HK$8,000/insured/yr

Pros and Cons

Pros

Full cover on major hospitalisation & prescribed non-surgical cancer care
up to 2 consecutive no-claim years earning special deductible reduction credits

Cons

Starts at Semi-Private room class (higher base premium than Ward-tier plans)

Eligibility

Hong Kong residents aged 15 days to 80 years
qualifies for HKSAR Inland Revenue VHIS tax deduction. Promo: Multi-year first-year promo code offers + no-claim deductible credit

Things to Watch Out For

Starts at Semi-Private room class (higher base premium than Ward-tier plans)

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