{"attribution":{"compiledBy":"Hong Kong Insurance Connect","compiledByZh":"港險通","legalName":"Pineapple bun bun Limited","url":"https://buyhongkonginsurance.com","license":"© Hong Kong Insurance Connect (Pineapple bun bun Limited). CC BY 4.0: cite us with a link; figures are insurers' disclosures.","cite":"Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link."},"group":{"slug":"insurer-fwd-life-insurance-company-bermuda-limited-medical-vhis","kind":"insurer","type":"medical-vhis"},"summary":{"en":"This page compares 9 products. Compare recorded product facts and their public sources. Payment options, age conditions and currencies remain separate facts. Shared labels do not confirm eligibility. Check each option's conditions.","zh-hant":"本頁比較 9 款產品。 比較已記錄的產品事實及公開來源。繳費選項、年齡條件及貨幣分別列示。 相同標籤不代表符合投保資格；請核對各選項條件。","zh-hans":"本页比较 9 款产品。 比较已记录的产品事实及公开来源。缴费选项、年龄条件及货币分别列示。 相同标签不代表符合投保资格；请核对各选项条件。"},"ratioCaveat":{"en":"Past fulfillment ratios do not indicate future performance. Non-guaranteed benefits can change. These tables provide general information, without rankings or product recommendations.","zh-hant":"過往分紅實現率並非未來表現的指標。非保證利益可能 改變。此處僅提供一般資訊，沒有排名或產品推薦。","zh-hans":"过往分红实现率并非未来表现的指标。非保证利益可能 改变。此处仅提供一般信息，没有排名或产品推荐。"},"comparableFields":["type","currencies","premiumTerms","benefitTerm","issueAges","keyFeatures","vhisPlanType","deductibleOptions","annualLimit","lifetimeLimit","roomClass","renewal","keyExclusions"],"products":[{"slug":"fwd-vbooster-medical-plan","names":{"en":"vBooster Medical Plan","zh-hant":"倍衛您醫療計劃","zh-hans":"倍卫您医疗计划"},"nameBasis":"insurer-published","insurerSlug":"fwd-life-insurance-company-bermuda-limited","productPaths":["/insurers/fwd-life-insurance-company-bermuda-limited/fwd-vbooster-medical-plan/","/zh-hant/insurers/fwd-life-insurance-company-bermuda-limited/fwd-vbooster-medical-plan/","/zh-hans/insurers/fwd-life-insurance-company-bermuda-limited/fwd-vbooster-medical-plan/"],"insurerPaths":["/insurers/fwd-life-insurance-company-bermuda-limited/","/zh-hant/insurers/fwd-life-insurance-company-bermuda-limited/","/zh-hans/insurers/fwd-life-insurance-company-bermuda-limited/"],"facts":[{"field":"type","value":"medical-vhis","display":{"en":["VHIS medical"],"zh-hant":["自願醫保"],"zh-hans":["自愿医保"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"display":{"en":["HKD"],"zh-hant":["HKD"],"zh-hans":["HKD"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證續保至100歲；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证续保至100岁；保费可按组合调整，须符合保单续保条件。"}},"display":{"en":["Renewable / Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["可續保 / 保證續保至100歲；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["可续保 / 保证续保至100岁；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00069/F00069-01-000-02-PlanDoc-e.pdf","page":17,"title":"Health Bureau — vBooster Medical Plan renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option.","zh-hant":"醫務衞生局名單上的自願醫保靈活計劃；保障、不保事項及自付費視所選認可選項而定。","zh-hans":"医务卫生局名单上的自愿医保灵活计划；保障、不保事项及自付费视所选认可选项而定。"}],"display":{"en":["VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option."],"zh-hant":["醫務衞生局名單上的自願醫保靈活計劃；保障、不保事項及自付費視所選認可選項而定。"],"zh-hans":["医务卫生局名单上的自愿医保灵活计划；保障、不保事项及自付费视所选认可选项而定。"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"vhisPlanType","value":[{"en":"Flexi Plan","zh-hant":"靈活計劃","zh-hans":"灵活计划"}],"display":{"en":["Flexi Plan"],"zh-hant":["靈活計劃"],"zh-hans":["灵活计划"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — current certified flexi plans","date":null,"checkedOn":"2026-10-12"}]},{"field":"deductibleOptions","value":[{"en":"HKD0 Deductible","zh-hant":"0 港元自付費","zh-hans":"0 港元自付费"},{"en":"HKD16,000 Deductible","zh-hant":"16,000 港元自付費","zh-hans":"16,000 港元自付费"},{"en":"HKD25,000 Deductible","zh-hant":"25,000 港元自付費","zh-hans":"25,000 港元自付费"},{"en":"HKD50,000 Deductible","zh-hant":"50,000 港元自付費","zh-hans":"50,000 港元自付费"},{"en":"HKD100,000 Deductible","zh-hant":"100,000 港元自付費","zh-hans":"100,000 港元自付费"},{"en":"HKD180,000 Deductible","zh-hant":"180,000 港元自付費","zh-hans":"180,000 港元自付费"}],"display":{"en":["HKD0 Deductible","HKD16,000 Deductible","HKD25,000 Deductible","HKD50,000 Deductible","HKD100,000 Deductible","HKD180,000 Deductible"],"zh-hant":["0 港元自付費","16,000 港元自付費","25,000 港元自付費","50,000 港元自付費","100,000 港元自付費","180,000 港元自付費"],"zh-hans":["0 港元自付费","16,000 港元自付费","25,000 港元自付费","50,000 港元自付费","100,000 港元自付费","180,000 港元自付费"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — current certified flexi plans","date":null,"checkedOn":"2026-10-12"}]},{"field":"annualLimit","value":[{"en":"HKD0 Deductible: HKD 8,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"0 港元自付費：表列指定保障每保單年度限額 HKD 8,000,000；另設個別保障限額。","zh-hans":"0 港元自付费：表列指定保障每保单年度限额 HKD 8,000,000；另设个别保障限额。"}],"display":{"en":["HKD0 Deductible: HKD 8,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply."],"zh-hant":["0 港元自付費：表列指定保障每保單年度限額 HKD 8,000,000；另設個別保障限額。"],"zh-hans":["0 港元自付费：表列指定保障每保单年度限额 HKD 8,000,000；另设个别保障限额。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00069/F00069-01-000-02-PlanDoc-e.pdf","page":70,"title":"Health Bureau — vBooster Medical Plan — HKD0 Deductible benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"lifetimeLimit","value":[{"en":"HKD0 Deductible: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply.","zh-hant":"0 港元自付費：表列指定保障不設終身總限額；個別項目限額仍適用。","zh-hans":"0 港元自付费：表列指定保障不设终身总限额；个别项目限额仍适用。"}],"display":{"en":["HKD0 Deductible: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply."],"zh-hant":["0 港元自付費：表列指定保障不設終身總限額；個別項目限額仍適用。"],"zh-hans":["0 港元自付费：表列指定保障不设终身总限额；个别项目限额仍适用。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00069/F00069-01-000-02-PlanDoc-e.pdf","page":70,"title":"Health Bureau — vBooster Medical Plan — HKD0 Deductible benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"roomClass","value":[{"en":"HKD0 Deductible: Standard ward room; higher classes attract the published adjustment factors.","zh-hant":"標準普通房；更高級病房按公布比例調整。","zh-hans":"标准普通房；更高级病房按公布比例调整。"}],"display":{"en":["HKD0 Deductible: Standard ward room; higher classes attract the published adjustment factors."],"zh-hant":["標準普通房；更高級病房按公布比例調整。"],"zh-hans":["标准普通房；更高级病房按公布比例调整。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00069/F00069-01-000-02-PlanDoc-e.pdf","page":57,"title":"Health Bureau — room-class terms","date":null,"checkedOn":"2026-10-12"}]},{"field":"renewal","value":[{"en":"Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證續保至100歲；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证续保至100岁；保费可按组合调整，须符合保单续保条件。"}],"display":{"en":["Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["保證續保至100歲；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["保证续保至100岁；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00069/F00069-01-000-02-PlanDoc-e.pdf","page":17,"title":"Health Bureau — vBooster Medical Plan renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyExclusions","value":[{"en":"Treatment, tests and services that are not medically necessary are excluded.","zh-hant":"非醫療必需的治療、檢查及服務不受保。","zh-hans":"非医疗必需的治疗、检查及服务不受保。"},{"en":"Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy.","zh-hant":"美容服務不受保，保單所列意外及增強保障例外除外。","zh-hans":"美容服务不受保，保单所列意外及增强保障例外除外。"},{"en":"Selected exclusions only; consult the full policy and any case-based exclusions.","zh-hant":"僅列部分不保事項；須參閱完整保單及個別不保事項。","zh-hans":"仅列部分不保事项；须参阅完整保单及个别不保事项。"}],"display":{"en":["Treatment, tests and services that are not medically necessary are excluded.","Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy.","Selected exclusions only; consult the full policy and any case-based exclusions."],"zh-hant":["非醫療必需的治療、檢查及服務不受保。","美容服務不受保，保單所列意外及增強保障例外除外。","僅列部分不保事項；須參閱完整保單及個別不保事項。"],"zh-hans":["非医疗必需的治疗、检查及服务不受保。","美容服务不受保，保单所列意外及增强保障例外除外。","仅列部分不保事项；须参阅完整保单及个别不保事项。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00069/F00069-01-000-02-PlanDoc-e.pdf","page":29,"title":"Health Bureau — vBooster Medical Plan general exclusions","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[]},{"slug":"fwd-vcansurance-medical-plan","names":{"en":"vCANsurance Medical 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brochure","date":null,"checkedOn":"2026-10-13"}]},{"field":"issueAges","value":[{"min":{"value":15,"unit":"days"},"max":{"value":80,"unit":"years"},"basis":"actual","notes":null}],"display":{"en":["15 days to 80 years / Age basis: Actual age"],"zh-hant":["出生15日至80歲 / 年齡基準：實際年齡"],"zh-hans":["出生15日至80岁 / 年龄基准：实际年龄"]},"sources":[{"url":"https://www.fwd.com.hk/en/vhis/vcansurance/","page":null,"title":"vCANsurance Medical Plan — official product page","date":null,"checkedOn":"2026-10-13"},{"url":"https://www.fwd.com.hk/files/v3/assets/blta9d684affff23c8c/blt521c270f827ddd72/vCANsurance_Product_Brochure_with_Premium_Schedule_(EN_version).pdf","page":null,"title":"vCANsurance Medical Plan — official brochure","date":null,"checkedOn":"2026-10-13"}]},{"field":"keyFeatures","value":[{"en":"Death benefit is subject to the policy terms.","zh-hant":"身故保障須符合保單條款。","zh-hans":"身故保障须符合保单条款。"},{"en":"Guaranteed renewal is subject to the stated age limit and policy conditions.","zh-hant":"保證續保須符合所載年齡上限及保單條件。","zh-hans":"保证续保须符合所载年龄上限及保单条件。"}],"display":{"en":["Death benefit is subject to the policy terms.","Guaranteed renewal is subject to the stated age limit and policy conditions."],"zh-hant":["身故保障須符合保單條款。","保證續保須符合所載年齡上限及保單條件。"],"zh-hans":["身故保障须符合保单条款。","保证续保须符合所载年龄上限及保单条件。"]},"sources":[{"url":"https://www.fwd.com.hk/files/v3/assets/blta9d684affff23c8c/blt521c270f827ddd72/vCANsurance_Product_Brochure_with_Premium_Schedule_(EN_version).pdf","page":null,"title":"vCANsurance Medical Plan — official brochure","date":null,"checkedOn":"2026-10-13"},{"url":"https://www.fwd.com.hk/en/vhis/vcansurance/","page":null,"title":"vCANsurance Medical Plan — official product page","date":null,"checkedOn":"2026-10-13"}]},{"field":"renewal","value":[{"en":"Guaranteed renewal is subject to the stated age limit and policy conditions.","zh-hant":"保證續保須符合所載年齡上限及保單條件。","zh-hans":"保证续保须符合所载年龄上限及保单条件。"}],"display":{"en":["Guaranteed renewal is subject to the stated 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