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VChoice Voluntary Health Insurance Plan

FWD General Insurance Company Limited ("FWD GI") has registered as a Voluntary Health Insurance Scheme Provider. VChoice Voluntary Health Insurance Plan (the “Plan”) is a Standard Plan certified by the Government under the Voluntary Health Insurance Scheme (Certification No.: S00012-01-000-02). This Plan is underwritten by FWD GI.
i.FWD.com.hk ("iFWD Platform") is operated by FWD Financial Limited ("FWD Financial"). FWD Financial is an appointed insurance agency of FWD GI.
Yet unexpected medical costs can distract your focus and hinder progress. To ensure peace of mind, the Government-certified VChoice Voluntary Health Insurance (“VChoice”) provides you comprehensive reimbursement coverage on hospitalization and surgical care. With VChoice, you and your loved ones are covered for the high cost of medical treatments which helps ease the financial stress of medical treatments.

Product Features

  • <strong>Annual Limit Up to HK$420,000</strong>
    Annual Limit Up to HK$420,000
  • <strong>All-round Protection</strong>
    All-round Protection
  • <strong>Pay Less in Tax<sup>1</sup></strong>
    Pay Less in Tax1
  • <strong>Cover Unknown Pre-existing Conditions</strong>
    Cover Unknown Pre-existing Conditions
  • <span><strong>Worldwide Support Service<sup>2</sup></strong></span><span>(Free service other than the Certified Plan)</span>
    Worldwide Support Service2(Free service other than the Certified Plan)
Online application for this product is only available to permanent Hong Kong residents with a Hong Kong residential address only.

To know more about the difference between VHIS & Non-VHIS medical insurance products, please click here.
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 brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the Plan.

Benefit Schedule

Provider Registration No.: 00012
Certification No.: S00012-01-000-02
Registration Effective Date: 28 February 2019
VChoice Voluntary Health Insurance Plan
Benefit limit (in HKD)
  • Benefit items(1)
    (a) Room and board
    $750 per day
    Maximum 180 days per Policy Year
    (b) Miscellaneous charges
    $14,000 per Policy Year
    (c) Attending doctor’s visit fee
    $750 per day
    Maximum 180 days per Policy Year
    (d) Specialist’s fee(2)
    $4,300 per Policy Year
    (e) Intensive care
    $3,500 per day
    Maximum 25 days per Policy Year
    (f) Surgeon’s Fees
    Per surgery, subject to surgical category for the surgery / procedure in the Schedule of Surgical Procedures
    • Complex $50,000
    • Major $25,000
    • Intermediate $12,500
    • Minor $5,000
    (g) Anaesthetist’s fee
    35% of Surgeon’s fee payable(5)
    (h) Operating theatre charges
    35% of Surgeon’s fee payable(5)
    (i) Prescribed Diagnostic Imaging Tests(2) (3)
    $20,000 per Policy Year
    Subject to 30% Coinsurance
    (j) Prescribed Non-surgical Cancer Treatments(4)
    $80,000 per Policy Year
    (k) Pre- and post-Confinement/Day Case Procedure outpatient care(2)
    $580 per visit
    Up to $3,000 per Policy Year
    • 1 prior outpatient visit or Emergency consultation per Confinement / Day Case Procedure
    • 3 follow-up outpatient visits per Confinement / Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
    (l) Psychiatric treatments
    $30,000 per Policy Year
  • Other limits
Note:
  1. Eligible Expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above.
  2. FWD GI shall have the right to ask for proof of recommendation e.g. written referral or testifying statement on the claim form by the attending doctor or Registered Medical Practitioner.
  3. Tests covered here only include computed tomography (“CT” scan), magnetic resonance imaging (“MRI” scan), positron emission tomography (“PET” scan), PET-CT combined and PET-MRI combined.
  4. Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
  5. The percentage here applies to the Surgeon’s fee actually payable or the benefit limit for the Surgeon’s fee according to the surgical categorisation, whichever is the lower.
  6. The benefit coverage, benefit amount and benefit limits, territorial scope of cover, choice of ward class and Coinsurance of this Plan will remain unchanged even if the Policy Year lasts for less than 12 months.
  7. Except for the psychiatric treatments as stated in benefit item (l), of the Benefit Schedule, all benefits described in the benefit items shall be applicable worldwide.
  8. All benefits described in the benefit items are not subject to any restriction in the choice of healthcare services provider and ward class, including but not limited to Registered Medical Practitioner and Hospital.
Issue Age
Age 15 days to Age 80
Benefit Term
Guaranteed yearly renewal11 up to Age 100 of the Insured Person
Remarks:
Premium Adjustment
The premium is not guaranteed. The premium for each Renewal is determined based on the Insured Person’s attained Age, Place(s) of Residence, occupation and the Standard Premium Schedule applicable at that time when the Policy is renewed.
Premium Term and Non-payment of Premium
The premium payment term of the Policy of VChoice ends on the Policy anniversary immediately following the Insured Person’s 100th birthday.

FWD GI allows a grace period of thirty (30) days after the premium due date for payment of each premium. If a premium is still unpaid at the expiration of the grace period, the Policy will be terminated from the date the first unpaid premium was due. Please note that once the Policy is terminated on this basis, you will lose all of your benefits.
Termination Conditions

The Policy shall be automatically terminated on the earliest of the followings –

  1. where the Policy is terminated due to non-payment of premiums after the grace period as specified in the Policy provision;
  2. the day immediately following the death of the Insured Person; or
  3. FWD GI has ceased to have the requisite authorisation under the Insurance Ordinance to write or continue to write the Policy;
For more details, please refer to the Terms and Conditions of the Policy provisions.
Enquiry and Complaint Channel
  1. VHIS Office of Food and Health Bureau – for issues specific to the VHIS including product availability, features of Certified Plans and compliance with Code of Practice for Insurance Companies under the Ambit of the Voluntary Health Insurance Scheme;
  2. Insurance Authority – for issues concerning the general conduct of insurance companies and intermediaries; and
  3. Inland Revenue Department – for issues concerning claims for tax deduction.
  4. FWD GI – Customers can make enquiries and lodge complaints with us in writing or via FWD GI Service Hotline 3123 3123.
  5. FWD Financial – Customers can make enquiries and lodge complaints with us via email at cs.ifwd.hk@fwd.com or Service Hotline 3123 3338. FWD Financial is an appointed insurance agency of FWD GI.
Change of Policy Holder

FWD GI should not refuse any application by the Policy Holders for the transfer of ownership to –

  1. the Insured Person if he has reached the age of 18 years;
  2. the parent or guardian of the Insured Person if he is under the age of 18 years; or
  3. any person whose familial relationship with the Insured Person is accepted by FWD GI according to its prevailing Underwriting practices.
  • General Exclusions

We are here for you

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Live Chat
Email
Email
In Person
In Person
Email
Have questions or comments for us? Drop us an email at cs.ifwd.hk@fwd.com and one of our Customer Engagement Representatives will respond to your enquiry as soon as possible.

FAQ

For frequently asked questions related to the VChoice Voluntary Health Insurance Plan, please click here.

Important Notes and Declarations

*The premium above-mentioned does not include insurance levy to be collected by the Insurance Authority. For further information, please visit www.fwd.com.hk/en/insurance-levy or contact FWD Service Hotline at 3123 3123.
  • Important Notes and Declarations
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