vPrime Medical Plan l Voluntary Health Insurance Scheme

Success brings with it ever greater responsibility. To prepare yourself for the ups and downs, highs and lows on your extraordinary life journey, what you need is a comprehensive and transparent medical insurance plan. vPrime Medical Plan ("the Plan") is designed to take protection against the unexpected up a notch.

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3 Reasons To Buy

Full cover for hospitalisation
and surgical expenses, up to
HKD10 million per Policy Year

Covers unknown Pre-existing
Conditions starting from
the 31st Day

Boosted flexibility
with a variety of
Deductible options

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.

If you wish to make a claim, please submit your claims application within the specified time. For more details on claims such as claims procedure, claimable amount estimate and reimbursement limit, please refer to: https://www.fwd.com.mo/en/support-claims/claims/hospitalisation/

Deductible Example

Remarks

Full cover shall mean no itemised benefit sublimit, the actual amount of Eligible Expenses and other expenses charged after deducting the remaining Deductible (if any) and is subject to the Annual Benefit Limit and the Lifetime Benefit Limit. Full cover applies to selected benefit items only, while other benefit items are not fully covered and are subject to respective benefit item’s limits. Please refer to Benefit Schedule and Policy provisions for details.
This benefit is payable for the Reasonable and Customary charges of Emergency Treatment of the Insured Person’s sound natural teeth solely as a direct result of an Injury, if such treatment is provided within 3 months of the Accident causing such Injury by a registered dentist in a legally registered dental clinic. FWD shall not pay any benefits for any restorative or remedial work (for the purpose other than Emergency Treatment), prostheses, the use of any precious metals or any kind of orthodontics, or other dental surgery performed in a legally registered dental clinic unless the dental surgery is medically necessary. For the purpose of this benefit, medically necessary shall mean the medical service, procedure or supply which are necessary and is (a) consistent with the diagnosis and customary dental treatment; (b) recommended by a Registered Medical Practitioner, Surgeon or registered dentist for such emergency dental treatment and must be widely accepted professionally in Macau or the relevant jurisdictions outside Macau where the medical service is provided to the Insured Person, as effective, appropriate and essential based upon recognised standards of the health care specialty involved; and (c) not furnished primarily for the personal comfort or convenience of the Insured Person or any medical service provider. Experimental, screening and preventive services or supplies shall not be considered as medically necessary for the purpose of this benefit. For more details and exclusion of this benefit, please refer to the Policy provisions.
Congenital Condition is only covered for condition which has manifested or been diagnosed after the Age of 8 (attained age) of the Insured Person.
Deductible shall mean a fixed amount of Eligible Expenses or expenses that, in a Policy Year, the Policy Holder must pay before FWD shall reimburse the remaining Eligible Expenses or remaining expenses.

Find out more

Service Hotline

8988 6060

Download brochure and standard premium table

Download policy provisions

Historical premium increase rates