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FWD
FWD Life Insurance Company (Bermuda) Limited ("FWD Life" or "FWD" ) has registered as a Voluntary Health Insurance Scheme Provider. vCore Medical Plan (“This Plan”) is a Standard Plan certified by the Government under the Voluntary Health Insurance Scheme (Certification No.: S00036-01-000-01). This Plan is underwritten by FWD Life.
i.FWD.com.hk ("iFWD Platform") is operated by FWD Financial Limited ("FWD Financial"). FWD Financial is an appointed insurance agency of FWD Life.
Good health is a key element of success in life. The Government-certified vCore Medical Plan (“vCore”) provides you with core reimbursement coverage on hospitalisation and surgical care. Pursue your life goals, now and in the future, without having to be burdened with unexpected health expenses.

Product Features

  • Annual Limit Up to HK$420,000
    Annual Limit Up to HK$420,000
  • Cover Unknown Pre-Existing Conditions
    Cover Unknown Pre-Existing Conditions
  • Enjoy Tax Savings<sup>5</sup>
    Enjoy Tax Savings5
  • Wellness Incentive for Staying Fit
    Wellness Incentive for Staying Fit
  • World-class Assistance<sup>7,8</sup>
    World-class Assistance7,8
  • Easy Application
    Easy Application
  • <div>One-off Option to Upgrade as your Needs Mature<sup>7,9</sup></div>
    One-off Option to Upgrade as your Needs Mature7,9
This product is only available to permanent Hong Kong residents with a Hong Kong residential address only.

Benefit Schedule10,11,12

Certification No.: S00036-01-000-01
vCore Medical Plan
Benefit limit (in HKD)
  • Area cover
    Worldwide15
  • Ward class
  • Benefit items 10,11
  • Other limits
  • Other benefits
The above product information does not contain the full terms of the policy. Please refer to the policy provisions for full terms of the policy.
Note:
  1. FWD 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.
  2. 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. You have to pay 30% of Prescribed Diagnostic Imaging Tests fee.
  3. Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
  4. Congenital Condition is only covered for which has manifested or been diagnosed after the age of 8 (attained age) of the Insured Person.
  5. If you are Hong Kong taxpayer, you are eligible for tax deduction up to HK$8,000 from the premium paid for yourself and your specified relatives . The proof of premium payment is issued to you on or before end of April every year for the premium paid during the preceding 12 months ending March of the same year. There is no cap on the number of specified relatives that are eligible for tax deduction. Tax deduction is applicable for Hong Kong only and shall be subject to the Inland Revenue Ordinance (Cap.112) and the Government’s policy as applicable from time to time. FWD and its intermediaries do not provide tax advice and you should consult your own tax advisors for any tax advice. For details, please refer to the websites of Inland Revenue Department of Hong Kong (www.ird.gov.hk) and Voluntary Health Insurance Scheme (www.vhis.gov.hk/en/).
    Specified RelativeConditions*
    Parent or Grandparent
    (Including parent and grandparent of the spouse
    1) aged 55 (attained age) or more; or
    2) under the age of 55 (attained age) but eligible to claim an allowance under the Government’s Disability Allowance Scheme
    Child or Sibling
    (Include Sibling of Spouse)
    1) under the age of 18 (attained age); or
    2) aged 18 or more but under the age of 25 (attained age) and receiving full time education at a university, college, school or other similar educational establishment; or
    3) aged 18 (attained age) or more but incapacitated for work by reason of physical or mental disability
    *The conditions shall be subject to the Inland Revenue Ordinance (Cap.112) and the Government’s policy as applicable from time to time.
  6. It is subject to relevant underwriting requirements, otherwise, normal underwriting applies.
  7. It is not part of the Terms and Benefits of the Certified Plan – vCore Medical Plan (Certification Number:S00036-01-000-01).
  8. CANcierge, Second Medical Opinion Services & International SOS 24-hour Worldwide Assistance Services are provided by the third party service provider(s) which are not guaranteed renewable. FWD reserves the right to terminate the service without further notice. For details of the services, please refer to the leaflet of Ready to Help.
  9. This option is only applicable if vCore has been in force for 2 Policy Years or above and the application shall be subject to the designated medical insurance plan with higher protection coverage available at that time and such terms and conditions as determined by FWD from time to time.
  10. The benefit coverage, benefit amount and benefit limits, territorial scope of cover, choice of healthcare services provider, choice of ward class, deductible and Coinsurance of vCore will remain unchanged even if the Policy Year lasts for less than12 months.
  11. Eligible Expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above.
  12. All benefits described in these Terms and Benefits are not subject to any restriction in the choice of healthcare services providers, including but not limited to Registered Medical Practitioner and Hospital.
  13. This benefit shall be payable for the Eligible Expenses charged on the psychiatric treatments during Confinement in Hong Kong as recommended by a Specialist. The benefit shall be payable in lieu of other benefit items under (a) to (k) of the Benefit Schedule.
  14. The Policy Holder may change the beneficiary of this Policy or the Policy Holder while it is in force by submitting a written request to FWD. FWD shall register the change in its records when FWD determines that all relevant information has been received, from which time the change shall be effective (irrespective of whether the Insured Person is alive on that date).
  15. 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.
  16. 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.
Issue Age (Attained Age)
15 Days to 80 Years Old
Benefit Term
Guaranteed yearly renewal up to age 100 of the Insured Person
Key Product Risks
Credit risk
vCore is an insurance policy issued by FWD. The application of this insurance product and all benefits payable under your policy are subject to the credit risk of FWD. You will bear the default risk in the event that FWD is unable to satisfy its financial obligations under this insurance contract.
Exchange rate and currency risk
The application of this insurance product with the policy currency denominated in a foreign currency is subject to that foreign currency’s exchange rate and currency risk. The foreign currency may be subject to the relevant regulatory bodies’ control (for example, exchange restrictions). If your home currency is different from the policy currency, please note that any exchange rate fluctuation between your home currency and the policy currency of this insurance product will have a direct impact on the amount of premium required and the value of benefit(s) to be received. For instance, if the policy currency of the insurance product depreciates substantially against your home currency, the potential loss arising from such exchange rate movement may have a negative impact on the benefits you received from vCore and your burden of the premium payment.
Inflation risk
The cost of living in the future may be higher than now due to the effects of inflation. Therefore, the benefits under vCore may not be sufficient for the increasing protection needs in the future even if FWDfulfils all of its contractual obligations.
  • General Exclusions

Promotions

  • 4-month Premium Discount
    4-month Premium Discount

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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 vCore Medical Plan, please click here.

Important Notes and Declarations

  • Important Notes and Declarations