vCare Supreme Medical Plan

We all want to take the best possible care of our loved ones, but unexpected healthcare spending can have a significant financial impact on the whole family. vCare Supreme Medical Plan (“the Plan”) not only provides you with timely reimbursement on hospitalisation and surgical care, but also a range of quality health assistance services, encouraging you to extend the peace of mind to your loved ones by offering wellness incentives as rewards for staying healthy.

Renewable supreme protection up to Age 100 (attained age) of the Insured Person

Without Annual Benefit Limit and Lifetime Benefit Limit, the Plan reimburses a wide range of hospitalisation and surgical expenses. Since it is Renewable¹ until the Insured Person reaches the Age of 100 (attained age), you can rest assured that this scope of coverage will give you a well-rounded safety net throughout the years.

Broadening the safety net

A supplementary major medical benefit² is built in to cover 85% of the Eligible Expenses in excess of the designated benefit items and limits (including per surgery limit, per day limit, maximum number of days per Policy Year and per Policy Year benefit limit), up to HKD100,000 per Disability³ per Policy Year. The Plan also offers additional benefit⁴ for Prescribed Non-surgical Cancer Treatments5 and kidney dialysis⁶, up to a maximum of HKD50,000 per Policy Year.

Covers unknown Pre-existing Conditions starting from the 31st day of the first Policy Year

Any illness, Disease or Congenital Condition⁷ that was an unknown Pre-existing Condition at the time of Application is also fully covered by the Plan from the 31st day of the first Policy Year. So even if you do not know about a Pre-existing Condition, your claim will still be reimbursable in full from the 31st day of the first Policy Year.

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 product brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the plan.

For any queries, please contact your financial advisor or call our Customer Service Hotline at 8988 6060.

Product comparison

Comparison between the benefit items of our medical insurance plans

Coinsurance example

Professional health assistance services

Whenever you need information or assistance, FWD professional health assistance services, including CANcierge, second medical opinion services and international SOS 24-hour worldwide assistance services are always here to help.

List of Designated Day Case Procedures and Designated Healthcare Services Providers

Enquiry and complaint channel

Change of Policy Holder

Remarks

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Policy provisions

Client can also obtain the policy provisions from your FWD financial advisor or our Service Hotline at 8988 6060.

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