vCore Medical Plan

Enter “VC50” to enjoy 50% off first year premium

Name: vCore Medical Plan
Brand: FWD

Limited-time offer until June 30, 2021
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FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability)("FWD Life" or "FWD" ) has registered as a Voluntary Health Insurance Scheme Provider. vCore Medical Plan (the “Plan”) is a Standard Plan certified by the Hong Kong Special Administrative Region Government under the Voluntary Health Insurance Scheme (Certification No.: S00036-01-000-02). 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 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 Brochure

Policy Provisions

Product Features

Annual Limit Up to HK$420,000
Without any lifetime limit, this Plan reimburses a wide range of hospitalisation and surgical expenses up to an annual limit of HK$420,000 with benefit limits reset annually. Your benefit coverage begins on the date of your approved application and is guaranteed Renewable until you reach age 100 (attained age).

Cover Unknown Pre-Existing Conditions
Even if an illness, Disease or Congenital Condition⁹ is a Pre-existing Condition, yet unknown at the time of Application, it is still covered by this Plan, according to the reimbursement schedule below:
1^st Policy Year No coverage
2^nd Policy Year 25%
3^rd Policy Year 50%
4^th Policy Year and thereafter 100%

There’s no need for you to worry about having claims rejected due to unknown Pre-existing Conditions.

Enjoy Tax Savings¹
The Plan has been formulated to meet all Government regulatory standards to protect your benefits, allowing you to enjoy tax deduction. Tax deduction is subject to the latest rules and regulations of the Inland Revenue Department of Hong Kong Special Administrative Region. For details of tax deduction, please refer to the Important Notes and Declarations under this product material.

World-class Assistance^2,3
With this Plan, you’re always in great hands! Whenever you need information or assistance, the professional teams are always ready. They include a top-notch CANcierge team that provides end-to-end health coaching service, Second Medical Opinion Services from some of the highest ranked US medical institutions and 24-hour Worldwide Assistance Services brought to you by International SOS.

Easy Application
It is easy to apply this Plan by simply answering a few questions, and be on your way to a life free from unplanned healthcare worries. No medical examination and any proof of health are required¹⁰.

One-off Option to Upgrade as your Needs Mature^2,4
We understand that your medical needs can change over time. To ensure your future needs are well catered for, you can upgrade your Policy once to a designated plan with higher medical coverage, when you turn 50, 55, 60 or 65 (attained age), without re-underwriting or having to provide proof of insurability. With this convertibility option, you can flexibly increase your medical coverage when you need to!

This product is only available to permanent Hong Kong residents with a Hong Kong residential address only.

The promotion is subject to its Terms and Condition.

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^11,12,13

Provider Registration No.: 00036

Certification No.: S00036-01-000-02

Registration Effective Date: 28 February 2019

vCore Medical Plan

Benefit limit (in HKD)

Area cover
Worldwide¹⁴
Ward class
No restrictions
Benefit items
(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 fee⁶
$4,300 per Policy Year
(e) Intensive care
$3,500 per day
Maximum 25 days per Policy Year
(f) Surgeon's fee
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 ¹⁶
(h) Operating theatre charges
35% of Surgeon's fee payable ¹⁶
(i) Prescribed Diagnostic Imaging Tests^6,7
$20,000 per Policy Year
Subject to 30% Coinsurance
(j) Prescribed Non-surgical Cancer Treatments⁸
$80,000 per Policy Year
(k) Pre- and post-Confinement/Day Case Procedure outpatient care⁶
$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 post-Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
(l) Psychiatric treatments⁵
$30,000 per Policy Year
Other limits
Annual Benefit Limit for benefit items (a) – (l)
$420,000 per Policy Year
Lifetime Benefit Limit for benefit items (a) – (l)
Nil
Other benefits
(I) Death benefit¹⁶
$10,000
(II) Accidental death benefit¹⁶
$10,000

Note:

If you are a Hong Kong taxpayer, you may be eligible for tax deduction of up to HKD8,000 per Insured Person per year of assessment for premium you paid for yourself and your specified relatives. Tax deduction is subject to the latest rules and regulation of Inland Revenue Department of Hong Kong Special Administrative Region. Please refer to the website of the Inland Revenue Department (“IRD”) of Hong Kong Special Administrative Region (www.ird.gov.hk/eng/) and VHIS(www.vhis.gov.hk/en/) or to contact the IRD directly for any tax related enquiries. FWD and the intermediaries do not provide tax advice. You should always consult with a professional tax advisor if you have any doubts.
It is not part of the Terms and Benefits of the Certified Plan – vCore Medical Plan (Certification Number:S00036-01-000-02).
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 FWD Professional Medical Assistance Services.
This option is only applicable if this Plan 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.
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.
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.
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 as a Coinsurance arrangement.
Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
Congenital Condition is only covered for which has manifested or been diagnosed after the Age of 8 (attained age) of the Insured Person.
It is subject to relevant underwriting requirements, otherwise, normal underwriting applies.
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 this Plan will remain unchanged even if the Policy Year lasts for less than12 months.
Eligible Expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above.
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.
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.
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.
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).
You may refer to the coinsurance example or other information at FWD's website.
FWD shall guarantee the Renewal at each policy anniversary up to the Age of 100 (attained age) of the Insured Person. As long as FWD maintains the registration as a VHIS provider, FWD guarantee that the Terms and Benefits will not be less favourable than the latest version of the Standard Plan Terms and Benefits published by the Government at the time of renewal. FWD reserves the right to revise the terms and benefits, subject to the prior approval and re-certification by the Government, upon renewal by giving a 30 days advance notice.
The Plan has been formulated to meet all Government regulatory standards to protect your benefits, allowing you to enjoy tax deduction. Tax deduction is subject to the latest rules and regulations of the Inland Revenue Department of Hong Kong Special Administrative Region. For details of tax deduction, please refer to the Important Notes and Declarations under this product material.

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

This Plan 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, there is a negative impact on the benefits you receive from this Plan. If the Policy currency of the insurance product appreciates substantially against your home currency, your burden of the premium payment is increased.

Inflation risk

The cost of living in the future may be higher than now due to the effects of inflation. Therefore, the benefits under this Plan may not be sufficient for the increasing protection needs in the future even if FWDfulfils all of its contractual obligations.

Premium adjustment

The Standard Premium is non-guaranteed and will be determined annually based on the attained age of the Insured Person at the time of Renewal. The Standard Premium may increase significantly due to factors including but not limited to age, and claims experience and policy persistency in the same portfolio.

Premium term and non-payment of premium

The premium payment term of the Policy of this Plan is up to the Age of 100 years (attained age) of the Insured Person.

FWD allows a grace period of 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 Plan is terminated on this basis, you will lose all of your benefits.

Migration Arrangements

If you would like to migrate existing medical insurance policies to vCore Medical Plan or have any enquiry about the migration arrangements, please contact FWD Life Service Hotline at 3123 3123 or FWD Financial Service Hotline at 3123 3338.

Termination conditions

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

where this Policy is terminated due to non-payment of premiums after the grace period as specified in Section 13 of Part 2 or Section 3 of Part 3 of the Terms and Benefits of the Policy provisions; or
the day immediately following the death of the Insured Person; or
FWD has ceased to have the requisite authorisation under the Insurance Ordinance to write or continue to write this Policy.

Immediately following the termination of this Policy, insurance coverage under the Policy shall cease to be in force. No premium paid for the current Policy Year and previous Policy Years shall be refunded, unless specified otherwise.

Where the Policy is terminated pursuant to (a), the effective date of termination shall be the date that the unpaid premium is first due.

Where the Policy is terminated pursuant to (b) or (c), FWD shall refund the relevant premium paid for the current Policy Year on a pro rata basis.

Moreover, the policy shall also be terminated if you decide to cancel the Policy or not to renew the Policy in accordance with Section 3 of Part 2 or Section 1 of Part 4 of the Terms and Benefits of the Policy provisions, as the case may be, by giving the requisite written notice to FWD. If the Policy is terminated for cancellation after cooling-off period, the effective date of termination shall be the date as stated in the cancellation notice given by you. However, such date shall not be within or earlier than the 30-day notice period. If the Policy is not renewed, the effective date of termination shall be the renewal date immediately following the expiry of the Policy Year during which the Policy remains valid.

For more details, please refer to Section 15 of Part 2 of the Terms and Benefits of the Policy provisions.

Enquiry and complaint channel

VHIS Office of the 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;
Insurance Authority – for issues concerning the general conduct of insurance companies and intermediaries; and
Inland Revenue Department – for issues concerning claims for tax deduction.
FWD – Customers can make enquiries and lodge complaints with us in writing or via FWD Service Hotlines 3123 3123.
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.

Change of Policy Holder

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

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

General Exclusions
Under these Terms and Benefits of the Policy provisions, FWD shall not pay any benefits in relation to or arising from the following expenses.
Expenses incurred for treatments, procedures, medications, tests or services which are not Medically Necessary.
Expenses incurred for the whole or part of the Confinement solely for the purpose of diagnostic procedures or allied health services, including but not limited to physiotherapy, occupational therapy and speech therapy, unless such procedure or service is recommended by a Registered Medical Practitioner for Medically Necessary investigation or treatment of a Disability which cannot be effectively performed in a setting for providing Medical Services to a Day Patient.
Expenses arising from Human Immunodeficiency Virus (“HIV”) and its related Disability, which is contracted or occurs before the Policy Effective Date. Irrespective of whether it is known or unknown to the Policy Holder or the Insured Person at the time of submission of Application, including any updates of and changes to such requisite information (if so requested by FWD under Section 8 of Part 1 of the Terms and Benefits of the Policy provisions) such Disability shall be generally excluded from any coverage of the Terms and Benefits of the Policy provisions if it exists before the Policy Effective Date. If evidence of proof as to the time at which such Disability is first contracted or occurs is not available, manifestation of such Disability within the first five (5) years after the Policy Effective Date shall be presumed to be contracted or occur before the Policy Effective Date, while manifestation after such five (5) years shall be presumed to be contracted or occur after the Policy Effective Date.

However, the exclusion under this Section 3 shall not apply where HIV and its related Disability is caused by sexual assault, medical assistance, organ transplant, blood transfusions or blood donation, or infection at birth, and in such cases the other terms of these Terms and Benefits shall apply.
Expenses incurred for Medical Services as a result of Disability arising from or consequential upon the dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents, self-inflicted injuries or attempted suicide, illegal activity, or venereal and sexually transmitted disease or its sequelae (except for HIV and its related Disability, where this Section 3 applies).
Any charges in respect of services for –
(a) beautification or cosmetic purposes, unless necessitated by Injury caused by an Accident and the Insured Person receives the Medical Services within ninety (90) days of the Accident; or
(b) correcting visual acuity or refractive errors that can be corrected by fitting of spectacles or contact lens, including but not limited to eye refractive therapy, LASIK and any related tests, procedures and services.
Expenses incurred for prophylactic treatment or preventive care, including but not limited to general check-ups, routine tests, screening procedures for asymptomatic conditions, screening or surveillance procedures based on the health history of the Insured Person and/or his family members, Hair Mineral Analysis (HMA), immunisation or health supplements. For the avoidance of doubt, this Section 6 does not apply to –
(a) treatments, monitoring, investigation or procedures with the purpose of avoiding complications arising from any other Medical Services provided;
(b) removal of pre-malignant conditions; and
(c) treatment for prevention of recurrence or complication of a previous Disability.
Expenses incurred for dental treatment and oral and maxillofacial procedures performed by a dentist except for Emergency Treatment and surgery during Confinement arising from an Accident. Follow-up dental treatment or oral surgery after discharge from Hospital shall not be covered.
Expenses incurred for Medical Services and counselling services relating to maternity conditions and its complications, including but not limited to diagnostic tests for pregnancy or resulting childbirth, abortion or miscarriage; birth control or reversal of birth control; sterilisation or sex reassignment of either sex; infertility including in-vitro fertilisation or any other artificial method of inducing pregnancy; or sexual dysfunction including but not limited to impotence, erectile dysfunction or pre-mature ejaculation, regardless of cause.
Expenses incurred for the purchase of durable medical equipment or appliances including but not limited to wheelchairs, beds and furniture, airway pressure machines and masks, portable oxygen and oxygen therapy devices, dialysis machines, exercise equipment, spectacles, hearing aids, special braces, walking aids, over-the-counter drugs, air purifiers or conditioners and heat appliances for home use. For the avoidance of doubt, this exclusion shall not apply to rental of medical equipment or appliances during Confinement or on the day of the Day Case Procedure.
Expenses incurred for traditional Chinese medicine treatment, including but not limited to herbal treatment, bone-setting, acupuncture, acupressure and tui na, and other forms of alternative treatment including but not limited to hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy and other similar treatments.
Expenses incurred for experimental or unproven medical technology or procedure in accordance with the common standard, or not approved by the recognised authority, in the locality where the treatment, procedure, test or service is received.
Expenses incurred for Medical Services provided as a result of Congenital Condition(s) which have manifested or been diagnosed before the Insured Person attained the Age of 8 years (attained age).
Eligible Expenses which have been reimbursed under any law, or medical program or insurance Policy provided by any government, company or other third party.
Expenses incurred for treatment for Disability arising from war (declared or undeclared), civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection, or military or usurped power.
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.

The above list is not exhaustive and for reference only. Please refer to the policy provision for the complete exclusions including but not limited to exclusions for Accidental Death Benefit.

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In Person

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
FWD reserves the right to revise, modify or adjust the Terms and Benefits under the Policy subject to the prior approval and re-certification by the Food and Health Bureau. FWD also reserves the right to adjust the Standard Premium at each Policy Renewal on an overall portfolio basis. In addition, FWD can revise, modify or adjust the terms and conditions for the add-on services subject to its prevailing rules and regulations from time to time at its sole discretion.
This Plan is underwritten by FWD. FWD is solely responsible for all features, Policy approval, coverage and benefit payment under this Plan. FWD recommends you carefully consider whether this Plan is suitable for you in view of your financial needs and that you fully understand the risk involved in this Plan before submitting your Application. You should not apply for or purchase this Plan unless you fully understand it and you agree it is suitable for you. Please read through the following related risks before making any Application of this Plan.
This Plan is issued by FWD. FWD accepts full responsibility for the accuracy of the information contained in this product material. This product material is intended to be distributed in the Hong Kong Special Administrative Region (“Hong Kong”) only and shall not be construed as an offer to sell, a solicitation to buy or the provision of any insurance products of FWD outside Hong Kong. All selling and Application procedures of this Plan must be conducted and completed in Hong Kong.
This Plan is an insurance product. The premium paid is not a bank savings deposit or time deposit. This Plan is not protected under the Deposit Protection Scheme in Hong Kong.
This Plan is an individual indemnity hospital insurance plan without any savings element. The period of cover of the Plan is 1 year and this plan is guaranteed renewable up to the Age of 100 (attained age) of Insured Person. The costs of insurance and the related costs of the Policy are included in the premium paid under this Plan despite the product brochure/leaflet and/or the illustration documents of this product having no schedule/section of fees and charges or no additional charge noted other than the premium.
All underwriting and claims decisions are made by FWD. FWD relies upon the information provided by you and the Insured Person in the insurance Application to decide to accept or decline the Application with a full refund of any premium paid without interest. FWD reserves the right to accept/reject any insurance Application and can decline your insurance Application by giving notification and explanation of Application result.
If you are not fully satisfied with this policy, you have the right to change your mind.
We trust that this policy will satisfy your financial needs. However, if you are not completely satisfied, you have the right to cancel and obtain a full refund of the insurance premium paid by you and levy paid by you by giving written notice. Such notice must be signed by you and received directly by the office of FWD within 21 calendar days immediately following either the day of delivery of the policy or a Notice to you or your representative, whichever is the earlier. The notice is the one sent to you or your nominated representative (separate from the policy) notifying you of your right to cancel within the stated 21 calendar day period. No refund can be made if a claim payment has been made. Should you have any further queries, you may (1) call our Customer Service Hotline on 3123 3123; (2) visit our FWD Insurance Solutions Centres; (3) email to cs.hk@fwd.com and we will be happy to explain your cancellation rights further.

While the Policy or rider (if applicable) is in force, the Policy Owner may surrender or terminate the Policy or rider (if applicable) by sending a written request to FWD.
Effective from 1 January 2018, all Policy Holders are required to pay a levy on each premium payment made for both new and in-force policies to the Insurance Authority. For further information on levy, please visit www.fwd.com.hk/en/insurance-levy or contact FWD customer service hotline 3123 3123
After the cooling off period, you can request cancellation of these Terms and Benefits by giving 30 days prior written notice to FWD, provided that there has been no benefit payment under these Terms and Benefits during the relevant Policy Year.
Please note that the VHIS status of the Plan does not necessarily mean you are eligible for tax deduction available for VHIS premiums paid. The Plan’s VHIS status is based on the features of the product as well as certification by the Food and Health Bureau and not the facts of your own situation. You must also meet all the eligibility requirements set out under the Inland Revenue Ordinance and any guidance issued by the Inland Revenue Department (“IRD”) of Hong Kong Special Administrative Region before you can claim these tax deductions. Please refer to the website of the IRD (www.ird.gov.hk/eng/) or to contact the IRD directly for any tax related enquiries.
Any general tax information provided is for your reference only, and you should not make any tax-related decisions based on such information alone. You should always consult with a professional tax advisor if you have any doubts. Please note that the tax law, regulations or interpretations are subject to change and may affect related tax benefits including the eligibility criteria for tax deduction. FWD does not take any responsibility to inform you about any changes in the laws and regulations or interpretations, and how they may affect you. Further information on tax concessions applicable to VHIS may be found in VHIS’s website at www.vhis.gov.hk/en/.
Please note that these tax deduction benefits may not be applicable to you if you are a retiree who is not subject to salaries tax or tax under personal assessment.
Medical claims
All claims incurred shall be submitted to FWD within 90 days after the date on which the Insured Person is discharged from the Hospital, or the date on which the relevant Medical Service is performed and completed. For this purpose,
(a) all original receipts and/or original itemised bills together with the diagnosis, type of treatment, procedure, test or service provided shall have been submitted to FWD; and
(b) all relevant information, certificates, reports, evidence, referral letter and other data or materials as reasonably required by FWD shall have been furnished to FWD for processing of such claim.

You shall notify FWD if claims cannot be submitted within the above timeframe, otherwise FWD shall have the right to reject claims submitted after the above timeframe. All certificates, information and evidence that are reasonably required by FWD and which can be reasonably provided by you shall be furnished at the expenses of you.

Death / accidental death claims
Death / Accidental Death Benefit is payable to beneficiary upon Insured Person’s death if the claimant submits the completed Death Claim Form, the Death Claim - Attending Physician's Report completed by the last attending doctor (only applicable for death occurred within the first 3 Policy Years), due proof of the death and any other documents as reasonably required by FWD (including all relevant certificates, reports, evidence and other data or materials).

All such documents which can be reasonably provided by you shall be furnished at the expenses of you.
Other insurance coverage
If you have taken out other insurance coverage besides the Plan, you shall have the right to claim under any such other insurance coverage or the Plan. However, if you or the Insured Person has already recovered all or part of the expenses from any such other insurance coverage, FWD shall only be liable for such amount of Eligible Expense, if any, which is not compensated by any such other insurance coverage.
All underwriting and claims decisions are made by FWD. FWD relies upon the information provided by the applicant and the Insured Person in the insurance Application to decide to accept or decline the Application with a full refund of any premium paid and any insurance levy paid without interest. FWD reserves the right to accept/reject any insurance Application and can decline your insurance Application by giving notification and explanation of Application result.
You or the Insured Person are/is required to disclose all material facts in response to FWD’s underwriting questions. Material facts are the facts, information or circumstances, in particular medically-related facts, e.g. medical history, smoking status, etc., that would influence the judgment of FWD in setting the premium, or in determining whether to insure the risk. If you or the Insured Person are/is uncertain as to whether or not a certain piece of information is material, please take a cautious approach and disclose it to FWD.
In case incorrect disclosure or non-disclosure of any material facts constitutes misstatement of personal information, misrepresentation or fraud , FWD shall have the right to adjust the premium, for the past, current or future Policy Years on the basis of the correct information or declare the Policy void as from the Policy Effective Date. In case the Policy is declared void, FWD reserves the right to demand refund of the benefits previously paid and even not to refund the premium received for the current Policy Year and the previous Policy Years in which this Policy was in force, subject to a reasonable administration charge payable to FWD. For details, please refer to Sections 13 and 14 of Part 2 of the Terms and Benefits under the Policy provisions.
This product material is for reference only and is indicative of the key features of this Plan. For the exact terms, conditions, benefits and exclusions of this Plan, please refer to the Terms and Benefits, Benefit Schedule and other policy documents. In the event of any ambiguity or inconsistency between the terms of this leaflet and the Terms and Benefits , the Terms and Benefits shall prevail. In case you want to read the Terms and Benefits before making an Application, you can obtain a copy from FWD. The Terms and Benefits of this Plan are governed by the laws of Hong Kong.

For full details of “Key Product Risks”, “Important Words” and “Important Notes and Declarations”, please refer to Product Brochure and Policy Provisions.

EN | 中

No claims period immediately prior to the Policy’s Renewal	No claims premium discount (Discount rate on the Renewal premium)
2 consecutive Policy Years	10%
3 consecutive Policy Years	10%
4 consecutive Policy Years	10%
5 consecutive Policy Years and thereafter	15%

1^st Policy Year	No coverage
2^nd Policy Year	25%
3^rd Policy Year	50%
4^th Policy Year and thereafter	100%

vCore Medical Plan

Enter “VC50” to enjoy 50% off first year premium

Limited-time offer until June 30, 2021Take 5 mins to start saving now

Product Features

Benefit Schedule11,12,13

We are here for you

FAQ

Important Notes and Declarations

Limited-time offer until June 30, 2021
Take 5 mins to start saving now

Benefit Schedule^11,12,13