PMH055BE TheOne Medical Eng (201404) · 2014. 7. 10. · comprehensive medical coverage that gives...
Transcript of PMH055BE TheOne Medical Eng (201404) · 2014. 7. 10. · comprehensive medical coverage that gives...
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Underwritten by
TheOne
Appointed Insurance Agency
(PMH055BE1407)
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TheOne Medical Solution
Health is the most precious treasure in life which deserves the greatest
defence. Your current peaceful, enjoyable life can be disturbed by unexpected
illnesses. Despite the ever-increasing medical costs, we all want to ensure we can
enjoy high quality medical services at different life stages without impact to
our quality of life. TheOne Medical Solution (the "Plan") offers you
comprehensive medical coverage that gives you a peace of mind.
Comprehensive protection throughout lifeTo ensure you have an all-round protection during your life’s journey, the Plan provides a Lifetime Limit of up to HK$100 million1, including a range of hospitalization and surgical benefits, as well as providing First-dollar Coverage – Deductible Waived for Designated Critical Illness2. What’s more, it provides reimbursement for your regular health screen3. Hospitalization and surgical benefits include daily hospital accommodation in a Standard Private Room4, surgery fees, physician’s visit and specialist’s fees, etc.
9 different plan options to fit your specific needsThe Plan provides 3 different types of plans that cover 3 different geographic areas. Furthermore, 3 Annual Deductible5 options (HK$0, HK$40,000 and HK$80,000) could be chosen to tailor your most ideal life protection.
For example, Premier Plan with HK$0 deductible could provide a worldwide full medical coverage to you. If you have employer-sponsored medical coverage and are looking for additional medical coverage in Asia, our Standard Plan with Annual Deductible5 of HK$40,000 or HK$80,000 may satisfy your needs.
First-dollar Coverage – Deductible Waived for Designated Critical Illness Benefit2
Heavy stress and unhealthy habits raise the risk of suffering from critical illnesses. In Hong Kong, 1 out of every 4 men or 5 women is diagnosed with cancer before the age of 756. Critical illnesses may cause an unexpected financial burden on you and your family. The Plan is focused around your concerns and needs, offering First-dollar Coverage – Deductible Waived for Designated Critical Illness2 to ease your and your family’s financial stress due to related medical expenses (The amount of benefit is subject to applicable Annual Limit, Lifetime Limit and limits for specific benefit items). The Plan provides protection for your family as well as your health.
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Tailored extra benefitsIn the event that the insured needs specific treatments and organ transplantation to receive better medical services, on top of its original Annual Limit, the Plan provides additional Annual Limit of up to HK$2 million to cover medical expenses of organ and bone marrow transplantation, chemotherapy and radiotherapy, and kidney dialysis7.
Guaranteed lifetime renewal privilege for peace of mind8
The guaranteed lifetime renewal privilege of the Plan takes away your concern over policy discontinuity due to old age and changes in health conditions. Regardless of any significant changes in your health, financial condition or claim history, FWD guarantees that your policy will be renewable until the age of 100 (Age Next Birthday)8, subject to the continual availability of the Plan, terms and conditions applicable, the benefits and the prevailing premium rates of the Plan at the time of renewal. Benefits and premium are not guaranteed and subject to change by FWD.
Flexible protection aligned to your future needsYour needs vary as you go through different life stages. The Plan enables you to switch to a lower Annual Deductible5 option once (per lifetime) when you turn 50, 55, 60 or 65 (Age Next Birthday) without the need to provide proof of insurability9, meeting any changing needs in the future for protection.
Worldwide support serviceIf you meet an accident or suffer an illness whilst abroad, your needs will be well taken care of with our Worldwide Emergency Assistance. All you need to do is call our 24-hour emergency assistance hotline to enjoy round-the-clock worldwide support and assistance provided by International SOS10 24-hour Worldwide Assistance Services that includes phone medical advice, emergency medical evacuation and repatriation of mortal remains, etc.
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Major Exclusions
Despite anything stated in this Policy and/or supplementary benefits (if any), FWD shall not be liable to pay any benefits under this Policy if:
1. the Insured’s illness or injury is a Pre-existing Condition or results from the complications of a Pre-existing Condition; 2. in case of medical treatment in Mainland China, the subject Hospital is not a designated Hospital approved by FWD;3. the Insured’s sickness, disease or illness occurs during the first 30 days from the Policy Date or the date of reinstatement of the Policy;4. the Confinement, treatment or charges incurred relate to or arise as a direct or indirect result of: (1) the Insured’s pregnancy, surrogacy, childbirth or termination of pregnancy (except for the Pregnancy Complications Treatment), birth control, infertility or human
assisted reproduction, or sterilisation of either sexes; (2) war, hostilities (whether war is declared or not), rebellion, insurrection, riot, strike, civil commotion, terrorist act, nuclear contamination, biological
contamination or chemical contamination; (3) naval, military or air-force services, or any operation or combat duty with any armed force of any country, territory, or organization; (4) the Insured’s participation in any criminal offence or illegal acts; (5) attempted suicide or self-inflicted injuries while sane or insane, or any condition caused by chronic alcoholism or drug addiction; (6) cosmetic or plastic surgery, dental treatment or surgery of any kind, oral or oro-surgical care, eye refraction, eye tests or fitting of glasses, or surgical
correction of nearsightedness (such as but not limited to radial keratomoty and keratectomy), unless such a treatment is explicitly covered by this Policy; (7) procurement or use of medical appliances and medical devices for the benefit of the Insured including but not limited to spectacles, contact lenses, hearing
aids or wheelchairs (unless such medical appliances and medical devices are explicitly covered by this Policy); (8) preventive treatments, preventive medicines, convalescence, physical examinations, or health checks (with or without any positive finding) on the Insured;
vaccination and immunisation received by the Insured; genetic testing or counselling on the Insured; or any treatment which is not deemed Medically Necessary by FWD;
(9) treatment or tests carried out in relation to the Insured’s illness or injury are not consistent with customary medical treatment or diagnosis in Hong Kong; (10) narcotics used by the Insured unless taken as prescribed by a Physician, or the Insured’s abuse of drugs or alcohol; (11) health supplements and all specialized Chinese herbs and / or tonic medicine including bird’s nest, lingzhi, gingseng, agaricus blazei murill, antelope horn
powder, antler, cordyceps sinensis, donkey-hide gelatin, hippocampus, moschus, pearl powder, placenta hominis and any other Chinese herbs and / or tonic medicine determined by FWD in its absolute discretion from time to time;
(12) scuba diving or engaging in or taking part in any kind of race other than on foot, mountaineering involving the use of ropes or guides by the Insured or other professional or hazardous sports or pastimes including but not limited to skydiving, parachuting, hang-gliding, parasailing, hunting, aviation or aeronautics (other than as fare paying passenger on a duly licensed commercial aircraft), ice or water ski-jumping, show jumping;
(13) AIDS or any complications associated with HIV Infection except for the HIV / AIDS Treatment Benefit; (14) transplant service for which the cost incurred in connection with identifying service and procuring a replacement organ or any costs incurred for removal
of the organ from the donor, all associated transportation costs and administrative costs; (15) donation of organ; (16) mental disorder, psychological or psychiatric conditions, behavioural problems or personality disorder of the Insured unless such occurrence is covered by
the Psychiatric Treatment Benefit; (17) birth defects, genetic disorders, Congenital Conditions, or inherited disorders or developmental conditions (only applicable if the disorder gives rise to signs
or symptoms or was diagnosed before the Insured attains 16th years of age ) of the Insured; (18) any Confinement primarily for physiotherapy or for the investigation of signs and / or symptoms with diagnostic imaging, laboratory investigation or other
diagnostic procedures as determined by FWD; (19) rest cures and services or treatment received in any home, spa, health hydro, nature cure clinic, sanatorium or long term care facility that is not a registered
acute treatment hospital; (20) any treatment, investigation, services or supplies which are not Medically Necessary; any charges which exceed the Reasonable and Customary Charges as
determined by FWD; (21) non-medical services, including but not limited to guest meals, radio, telephone, television, photocopy, telex, personal items, and medical report charges; (22) experimental and / or unconventional medical technology / procedure / therapy performed on the Insured; novel drugs / medicines / stem cell therapy not
yet approved by the government, relevant authorities and recognised medical association in the locality, or treatment and procedures carried out by a facility not recognized as an acute treatment hospital, or services performed by a relative of the insured or a person who ordinarily resides in the insured’s home;
(23) sleep disorders (except for the treatment of sleep apnoea which is life-threatening as confirmed by a Specialist and approved by FWD in advance), treatment for learning difficulties in children, such as dyslexia or behavioural problems, attention deficit hyperactivity disorder, or development problems such as shortness of stature;
(24) treatment of obesity (including morbid obesity), weight control programmes or bariatric surgery (except when bariatric surgery is necessary as confirmed by a Specialist after failure of conventional treatments and approved by FWD in advance);
(25) treatment of sexually transmitted diseases; venereal diseases, sexual problems, such as impotence, whatever the cause, gender issues or gender re-assignment except for the HIV/AIDS Treatment Benefit;
(26) treatment whilst staying in Hospital for more than 90 consecutive days if the Insured is in a persistent vegetative state characterized by wakefulness without awareness for more than 4 weeks;
(27) expenses that are recoverable from any other source; (28) any activity or disease which falls under the exclusion(s) as shown on the endorsement(s) (if any) of this Policy.
Please refer to the Policy Provision for the exclusions of Accidental Death Benefit and services provided by International SOS.
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Schedule of Benefit
Plan Level
Area of Cover
Annual Limit
Lifetime Limit1
Annual Deductible5 options (Only available for item 1 – 5 of this Schedule of Benefit)
Standard Plan
Asia11
HK$8,000,000 /US$1,000,000
HK$40,000,000 /US$5,000,000
Premier Plan
Worldwide13
HK$16,000,000 /US$2,000,000
HK$100,000,000 /US$12,500,000
HK$0 / 40,000 / 80,000US$0 / 5,000 / 10,000
Surgery Fee (including Surgeon Fee, Operation Theatre Fee, Anaesthetist’s Fee and Outpatient Surgery Fee)
Organ and Bone Marrow Transplantation
Medical Appliances
Full Cover (up to a max. of 60 days per policy year)
Full Cover (up to a max. of 90 days per policy year)
Full Cover (up to a max. of 30 days per policy year)
(maximum 180 days per lifetime)
Full Cover (up to 30 days per policy year and 180 days per lifetime)
Room and Board (Standard Private Room4)
Companion Bed
Full Cover
Full Cover
Not Applicable
Private Nursing Care’s Fee14
Maximum Benefit LimitBenefit Schedule
1. Hospitalization Benefits
2. Surgical Benefits
Psychiatric Treatment
HK$1,500 /US$187.5 (up to a max. of 30 days per policy year)
HK$1,500 /US$187.5 (up to a max. of 30 days per policy year)
Full Cover
Full Cover
Specified Items17 : Full Cover
Other Items: HK$96,000 / US$12,000 per item per life
Specialist’s Fee
Physician’s Hospital Visit
Charges for Intensive Care
Miscellaneous Hospital Charges15
Daily Hospital Cash16 (for Confinement in general ward of public hospital in Hong Kong)
Daily Hospital Cash for Voluntary Room and Board Stay Below Private Room16 (Stay in private hospital in Hong Kong)
Full Cover
Full Cover
Full Cover
Full Cover
TheOne Medical SolutionIssue Age (Age Next Birthday) 1 (15 days) – 70
Policy Term Guaranteed yearly renewable8 to age 100
Premium Payment Period To age 100
Premium Payment Mode Annually / Semi-annually / Monthly
Currency USD / HKD
3. Pre- and Post-Hospitalization Benefits
Superior Plan
Worldwide ex USA12
HK$12,000,000 /US$1,500,000
HK$60,000,000 /US$7,500,000
Pre-Hospitalization Outpatient18
Post-Hospitalization Outpatient
Post-Hospitalization Home Nursing14
Full Cover (within 31 days before hospitalization and maximum 1 visit per day)
Full Cover (within 60 days immediately after discharge from hospitalization and maximum 1 visit per day)
Full Cover (up to a maximum of 31 days per policy year within 31 days after discharge from hospitalization)
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First-dollar Coverage – Deductible waived for Designated Critical Illness2 (Only applicable to Annual Deductible policies)
Death Benefit
Accidental Death Benefit
24-Hour Worldwide Assistance Services10
Second Medical Opinion10
Service Program
Service Program
Emergency Dental Treatment15
Guaranteed Convertibility to Reduce Annual Deductibles5 at Specified Ages
Full Cover
Full Cover
HK$1,000,000 /US$125,000
HK$1,500,000 /US$187,500
HK$2,000,000 /US$250,000
HIV / AIDS Treatment19
Pregnancy Complications20
HK$800,000 / US$100,000 (per lifetime)
HK$80,000 /US$10,000
HK$80,000 /US$10,000
HK$350 / US$43.75 per visit (within 60 days after discharge from hospitalization. Maximum 1 visit per day and up to 10 visits per policy year)
Full Cover
Full Cover (Due to Accident)
Not ApplicableTraditional Chinese Medicine
Once and up to HK$4,000 /US$500 for every 2 policy years(For policies with Annual Deductible5, once and up to HK$2,000 / US$250 per 2 policy years)
Privilege to reduce Annual Deductible5 within 31 days before or after the Policy Anniversary at age 50 / 55 / 60 / 65 (Age Next Birthday) without providing proof of insurability. The premium would be based on factors, including but not limited to new Annual Deductible5, Plan Level and age of the Insured and the premium table applicable at that time. This right can only be exercised once by lifetime.
Not ApplicableHealth Screen21
Once and up to HK$6,000 /US$750 for every 2 policy years(For policies with Annual Deductible5, once and up to HK$3,000 / US$375 per 2 policy years)
Chemotherapy and Radiotherapy
Kidney Dialysis
Additional Annual Limit for Organ and Bone Marrow Transplantation, Chemotherapy and Radiotherapy and Kidney Dialysis7
Reasonable and Customary charges for the above benefits will be paid by FWD. Reasonable and Customary shall mean: (i) in relation to a fee, a charge or an expense, shall mean any fee or expense which (a) is actually charged for treatment, supplies or medical services that are Medically Necessary and in
accordance with standards of good medical practice for the care of an ill or injured person under the care, supervision or order of a Physician; (b) does not exceed the usual or reasonable average level of charges for similar treatment, supplies or medical services in the location where the expense is incurred; (c) does not include charges that would not have been made if no insurance existed; and (d) does not exceed the actual fee, charge or expense incurred. FWD reserves the right to determine whether any particular charge is Reasonable and Customary with reference but not limited to, any relevant publication or information made available, such as schedule of fees, by the government, relevant authorities and recognized medical association at the location where the Eligible Expense is incurred. FWD reserves the right to adjust any and all benefits payable under this Policy which in our opinion is not Reasonable and Customary;
(ii) in relation to a Confinement shall mean the admission and length of a Confinement, and medical services and treatment received during which, are in accordance with generally accepted professional standards of medical practice, and do not exceed the usual standard for the treatment of similar illness or injury at the location where such Confinement is made.
FWD reserves the right to revise the benefits payable, terms and conditions and the premium at any time.
A 30-day waiting period is applicable for the above benefits, except the specific waiting periods stated above, Life Protection and the treatment due to accident.
The above information is for reference only and is indicative of the key features of the basic plan and the riders. For a complete explanation of the terms and conditions, please refer to the relevant Policy Provisions. In the event of any ambiguity or inconsistency between the terms of this leaflet and the Policy Provisions, the Policy Provisions in English shall prevail. In the event of any discrepancy between the English and Chinese version of this leaflet, the English version shall prevail.
4. Extended Benefits
5. Emergency Dental Treatment Benefit
6. Health Screening Benefit
7. Life Protection
8. Other
First-dollar coverage - Waive Annual Deductible2, 5
Chronic Liver Disease
Heart Valve Surgery
Stroke
Major Organ Transplantation
Parkinson’s Disease
Fulminant Hepatitis
Cardiomyopathy
Coronary Artery Disease Surgery
Surgery to Aorta
Heart Attack
Designated Critical Illnesses
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Remarks
1. Lifetime Limit refers to the maximum aggregate amount of benefits payable under all insurance policies and supplemental benefits (if any) issued by FWD Life Insurance Company (Bermuda) Limited (“FWD”) covering the insured during his/her lifetime, regardless whether the insurance policies are still in force.
2. Only applicable to policies with Annual Deductible and subject to the Annual Limit and Lifetime Limit. FWD shall not waive the payment of any balance of Annual Deductible if the confinement is related to a designated crises whose symptoms appear or relevant diagnosis or surgery occurs within the first 90 days from the policy date or the last policy reinstatement date. Please refer to the Schedule of Benefit of this brochure, Policy Provisions, and Policy Schedule for the details and definition of Designated Critical Illness.
3. Only applicable to designated Plan Level and up to the relevant limit. Please refer to Schedule of Benefit of this brochure and Policy Provisions for details.4. Standard Private Room means a single occupancy room with adjoining bathroom for the insured’s use during his/her confinement, but excluding any room of upper
class with its own kitchen, dining or sitting room(s) in a hospital. If the Insured is confined in a hospital which offers multiple classes of private rooms, the Standard Private Room shall refer to the lowest priced private room offered by the hospital.
5. Annual Deductible shall means the part of eligible expenses which shall be borne by the policy owner or the insured and which has to be deducted from the reimbursable sum.
6. Source: Information from Hong Kong Cancer Registry, Hospital Authority as of November 2012.7. When the benefit is payable under Organ and Bone Marrow Transplantation, Chemotherapy and Radiotherapy and Kidney Dialysis, FWD shall increase the Annual
Limit for that policy year. This benefit is only available once per policy year. The amount of Lifetime Limit shall remain unchanged. Please refer to Policy Provisions for details.
8. Lifetime guaranteed renewal is subject to the continual availability of the Plan offered by FWD, terms and conditions applicable, benefits, and premium rates at the time of renewal. Renewal premiums are not guaranteed and the premiums for each renewal are determined based on the age (at next birthday) and the premium table applicable at that time when the policy is renewed. Premium table is subject to change based on factors including but not limited to the inflation of related medical expense, FWD’s medical claim experience and persistency of policies from time to time. FWD reserves the right to revise the benefit payable, terms and conditions and premiums at any time.
9. The application should be made within 31 days immediately before or after the relevant policy anniversary. This right can only be exercised once per lifetime of the insured and is irrevocable.
10. The service is provided by International SOS. FWD shall not be responsible for any act or failure to act on the part of International SOS. FWD may revise the details of the services from time to time without prior notice. International SOS benefits are available to FWD’s insureds when travelling outside the home country or country of residence for periods not exceeding 90 consecutive days per trip.
11. Asia includes Afghanistan, Bangladesh, Bhutan, Brunei, Cambodia, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Mainland China, Malaysia, Maldives, Mongolia, Myanmar, Nepal, North Korea, Pakistan, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam.
12. Worldwide exclude USA includes worldwide exclude the USA.13. FWD shall reduce the amount of benefit payable (except Life Protection) under this Plan to 50% of the relevant benefit payable if: (a) the Insured has taken up
residence in the USA for at least 183 days in the past 12 months (including the days of arrival and departure) at the time of confinement, medical treatment and/or service in the USA; and/or (b) the Insured is under confinement or undergoes clinical surgeries in the USA without obtaining FWD’s pre-authorisation unless it is directly due to an accident or emergency. FWD reserves the right to change the Plan from Premier Plan to Standard Plan at any time if the Insured has taken up residence in the USA for at least 183 days in the past 12 months (including the days of arrival and departure).
14. Only applicable after the insured’s surgery or discharged from Intensive Care Unit.15. Please refer to the Policy Provisions for the details of the items which the benefits are payable.16. “Daily Hospital Cash” will not be paid in conjunction with “Daily Hospital Cash for Voluntary Room and Board Stay below Private Room”.17. Specified Items include(i) Pace maker;(ii) Stents for Percutaneous Transluminal Coronary Angioplasty;(iii) Intraocular lens;(iv) Artificial cardiac valve;(v) Metallic
or artificial joints for joint replacement;(vi) Prosthetic ligaments for replacement or implantation between bones;and (vii) Prosthetic intervertebral disc.18. Only applicable to the outpatient consultations result in hospitalization of the insured.19. The waiting period of this benefit is 5 years.20. The waiting period of this benefit is 1 year.21. Only applicable to the insured who is aged 18 (Age Next Birthday) or above and the waiting period of this benefit item is 2 years.
Important Notes and Declarations:
Plan, and all benefits payable under the Plan are subject to the credit risk of FWD.
Brochure. FWD recommends you to carefully consider whether the Plan is suitable for you in view of your financial needs and fully understand the risk involved in the Plan before application. You should not apply or purchase the Plan unless you fully understand it and you agree it is suitable for you. Application of the Plan is your independent and final decision and you need to bear the responsibility of your decision.
In case you want to read the terms and conditions of the policy provisions, you can obtain a copy from FWD through Bank of Communications.
deposit or time deposit. The Plan is not protected under the Deposit Protection Scheme in the Hong Kong Special Administrative Region.
issue of a Notice informing you or your representative that the policy is available for collection and expiry date of the Cooling-off Period, whichever is earlier) by giving a written notice and obtain a refund of any premium paid, provided that you have not made any claims under the policy.
notice must be received by FWD on or before the expiry date of the Cooling-off Period. The office address of FWD is 1/F., FWD Financial Centre, 308 Des Voeux Road Central, Hong Kong.
buy or provision of any insurance products of FWD outside the Hong Kong Special Administrative Region. All selling and application procedures of the Plan must be conducted and completed in the Hong Kong Special Administrative Region.
to accept or decline any application.
FWD Life Insurance Company (Bermuda) LimitedAddress: 28/F., FWD Financial Centre, 308 Des Voeux Road Central, Hong KongPhone: 2850 2333 Email: [email protected]: 2850 3999 Website: www.fwd.com.hk
For enquiries, please contact Bank of Communications Co., Ltd. Hong Kong Branch and their sub-branches.
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基本計劃 Basic Plan衛一醫療總匯 ( 港元 ) 年供保費表 ( 中國內地人士除外 )
TheOne Medical Solution (HKD) Annual Premium Table (excluding Mainland Chinese)
每年自付費Annual Deductible
0 40,000 80,000
年齡 (下次生日)Age (Next Birthday)
標準計劃Standard Plan
特等計劃Superior Plan
優等計劃Premier Plan
標準計劃Standard Plan
特等計劃Superior Plan
優等計劃Premier Plan
標準計劃Standard Plan
特等計劃Superior Plan
優等計劃Premier Plan
1 8,508 10,403 18,293 3,955 4,750 9,147 3,195 3,890 7,317
2 8,508 10,403 18,293 3,955 4,750 9,147 3,195 3,890 7,317
3 8,508 10,403 18,293 3,955 4,750 9,147 3,195 3,890 7,317
4 8,508 10,403 18,293 3,955 4,750 9,147 3,195 3,890 7,317
5 8,103 9,908 17,422 3,767 4,524 8,711 3,043 3,704 6,969
6 8,103 9,908 17,422 3,767 4,524 8,711 3,043 3,704 6,969
7 8,103 9,908 17,422 3,767 4,524 8,711 3,043 3,704 6,969
8 8,103 9,908 17,422 3,767 4,524 8,711 3,043 3,704 6,969
9 8,103 9,908 17,422 3,767 4,524 8,711 3,043 3,704 6,969
10 8,103 9,908 17,422 3,767 4,524 8,711 3,043 3,704 6,969
11 8,103 9,908 17,422 3,767 4,524 8,711 3,043 3,704 6,969
12 8,103 9,908 17,422 3,767 4,524 8,711 3,043 3,704 6,969
13 8,103 9,908 17,422 3,767 4,524 8,711 3,043 3,704 6,969
14 8,103 9,908 17,422 3,767 4,524 8,711 3,043 3,704 6,969
15 8,103 9,908 17,422 3,767 4,524 8,711 3,043 3,704 6,969
16 8,122 10,030 17,606 3,776 4,585 8,803 3,050 3,771 7,042
17 8,141 10,152 17,789 3,785 4,646 8,895 3,057 3,837 7,116
18 8,160 10,274 17,973 3,794 4,707 8,987 3,064 3,903 7,189
19 8,161 10,632 18,524 3,795 4,890 9,262 3,064 4,052 7,410
20 8,162 10,988 19,074 3,805 5,082 9,569 3,074 4,205 7,666
21 8,163 11,088 19,426 3,815 5,158 9,778 3,083 4,262 7,845
22 8,164 11,185 19,469 3,825 5,233 9,832 3,093 4,319 7,900
23 8,165 11,487 19,512 3,834 5,405 9,886 3,102 4,455 7,954
24 8,166 11,780 19,555 3,844 5,574 9,940 3,112 4,572 8,009
25 8,167 11,894 19,599 3,854 5,652 9,995 3,121 4,616 8,065
26 8,613 12,288 19,819 4,075 5,850 10,089 3,301 4,776 8,142
27 9,060 12,682 20,040 4,297 6,048 10,182 3,483 4,937 8,218
28 9,500 13,075 20,260 4,516 6,247 10,275 3,663 5,097 8,294
29 9,940 13,469 20,728 4,737 6,447 10,493 3,843 5,259 8,472
30 10,202 13,862 21,337 4,873 6,647 10,781 3,956 5,421 8,705
31 10,506 14,154 21,642 5,031 6,799 10,914 4,086 5,543 8,815
32 10,655 14,446 21,947 5,114 6,952 11,047 4,155 5,666 8,924
33 10,886 14,738 22,557 5,238 7,105 11,333 4,258 5,790 9,156
34 11,172 15,030 23,166 5,388 7,259 11,617 4,382 5,913 9,387
35 11,343 15,322 23,776 5,484 7,413 11,900 4,462 6,037 9,617
36 11,755 15,851 24,386 5,697 7,683 12,206 4,637 6,255 9,865
37 11,969 16,049 24,690 5,814 7,793 12,360 4,735 6,343 9,989
38 12,111 16,247 24,837 5,897 7,903 12,434 4,804 6,431 10,049
39 12,293 16,445 25,119 6,000 8,014 12,577 4,890 6,519 10,164
40 12,377 16,499 25,606 6,055 8,054 12,822 4,937 6,550 10,361
41 12,766 16,553 26,804 6,260 8,095 13,423 5,107 6,582 10,847
42 13,044 16,943 28,002 6,412 8,300 14,024 5,233 6,747 11,333
43 13,322 17,560 29,200 6,564 8,618 14,625 5,359 7,003 11,818
44 13,872 18,237 30,397 6,851 8,966 15,226 5,596 7,284 12,304
45 14,713 19,085 31,595 7,283 9,399 15,955 5,951 7,634 12,875
46 15,633 20,254 33,006 7,734 9,958 16,668 6,320 8,089 13,440
47 16,563 21,227 34,413 8,190 10,419 17,379 6,693 8,464 14,003
48 17,219 22,006 35,812 8,510 10,783 18,085 6,955 8,761 14,561
49 17,882 22,785 37,207 8,834 11,146 18,790 7,219 9,057 15,117
50 18,694 23,564 38,593 9,230 11,508 19,489 7,543 9,352 15,669
51 19,370 24,343 40,527 9,559 11,868 20,466 7,812 9,646 16,442
52 20,053 25,348 42,452 9,891 12,338 21,438 8,083 10,028 17,210
53 21,031 26,919 44,370 10,368 13,080 22,407 8,473 10,633 17,974
54 21,874 28,588 46,278 10,778 13,867 23,370 8,809 11,274 18,733
55 23,017 30,359 48,178 11,336 14,701 24,330 9,264 11,954 19,488
56 24,314 32,242 51,461 11,944 15,599 25,962 9,756 12,683 20,793
57 25,933 34,239 54,756 12,707 16,551 27,597 10,373 13,456 22,100
58 27,582 36,362 58,064 13,481 17,562 29,235 10,998 14,277 23,409
59 29,081 38,616 61,386 14,177 18,634 30,877 11,560 15,147 24,720
60 30,803 41,751 65,044 14,978 20,129 32,685 12,206 16,361 26,164
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基本計劃 Basic Plan衛一醫療總匯 ( 港元 ) 年供保費表 ( 中國內地人士除外 )
TheOne Medical Solution (HKD) Annual Premium Table (excluding Mainland Chinese)
每年自付費Annual Deductible
0 40,000 80,000
年齡 (下次生日)Age (Next Birthday)
標準計劃Standard Plan
特等計劃Superior Plan
優等計劃Premier Plan
標準計劃Standard Plan
特等計劃Superior Plan
優等計劃Premier Plan
標準計劃Standard Plan
特等計劃Superior Plan
優等計劃Premier Plan
61 32,731 44,593 69,735 15,875 21,480 35,007 12,929 17,458 28,020
62 35,009 47,872 74,434 16,936 23,040 37,329 13,785 18,724 29,874
63 37,646 52,243 79,142 18,164 25,121 39,650 14,776 20,414 31,728
64 40,705 57,927 83,863 19,589 27,830 41,973 15,926 22,613 33,583
65 44,058 64,485 89,813 21,148 30,953 44,907 17,183 25,149 35,925
66 46,826 69,139 97,099 22,476 33,187 48,550 18,262 26,964 38,840
67 50,586 74,872 102,677 24,281 35,939 51,339 19,729 29,200 41,071
68 52,815 77,800 108,193 25,351 37,344 54,097 20,598 30,342 43,277
69 55,304 80,442 114,295 26,546 38,612 57,148 21,569 31,372 45,718
70 57,881 83,065 119,909 27,783 39,871 59,955 22,574 32,395 47,964
71* 60,948 85,469 121,810 29,255 41,025 60,905 23,770 33,333 48,724
72* 64,104 92,464 126,878 30,770 44,383 63,439 25,001 36,061 50,751
73* 67,155 95,743 131,630 32,234 45,957 65,815 26,190 37,340 52,652
74* 70,260 99,022 137,080 33,725 47,531 68,540 27,401 38,619 54,832
75* 73,394 100,771 143,213 35,229 48,370 71,607 28,624 39,301 57,285
76* 76,976 102,738 147,099 36,948 49,314 73,550 30,021 40,068 58,840
77* 80,665 109,296 154,365 38,719 52,462 77,183 31,459 42,625 61,746
78* 84,248 116,728 162,484 40,439 56,029 81,242 32,857 45,524 64,994
79* 87,916 120,226 171,786 42,200 57,708 85,893 34,287 46,888 68,714
80* 91,517 123,942 177,922 43,928 59,492 88,961 35,692 48,337 71,169
81* 95,483 125,909 184,380 45,832 60,436 92,190 37,238 49,105 73,752
82* 99,692 132,030 193,052 47,852 63,374 96,526 38,880 51,492 77,221
83* 103,442 134,434 200,844 49,652 64,528 100,422 40,342 52,429 80,338
84* 107,470 136,839 205,066 51,586 65,683 102,533 41,913 53,367 82,026
85* 110,791 141,648 209,328 53,180 67,991 104,664 43,208 55,243 83,731
86* 114,610 141,648 214,205 55,013 67,991 107,103 44,698 55,243 85,682
87* 117,452 142,634 217,938 56,377 68,464 108,969 45,806 55,627 87,175
88* 120,322 146,052 221,875 57,755 70,105 110,938 46,926 56,960 88,750
89* 123,051 147,819 225,848 59,064 70,953 112,924 47,990 57,649 90,339
90* 125,496 151,233 229,856 60,238 72,592 114,928 48,943 58,981 91,942
91* 127,512 153,773 233,899 61,206 73,811 116,950 49,730 59,971 93,560
92* 129,528 156,396 237,798 62,173 75,070 118,899 50,516 60,994 95,119
93* 131,544 159,314 241,910 63,141 76,471 120,955 51,302 62,132 96,764
94* 133,560 162,370 246,058 64,109 77,938 123,029 52,088 63,324 98,423
95* 135,576 165,754 250,240 65,076 79,562 125,120 52,875 64,644 100,096
96* 137,592 169,444 254,458 66,044 81,333 127,229 53,661 66,083 101,783
97* 139,608 173,190 258,523 67,012 83,131 129,262 54,447 67,544 103,409
98* 141,456 178,042 262,810 67,899 85,460 131,405 55,168 69,436 105,124
99* 143,472 180,483 267,131 68,867 86,632 133,566 55,954 70,388 106,852
* 續保保費以供參考 Renewal premium for your reference
重要事項 Important Notes:
1. 本保費表的上次更新日期為2014年02月28日。
2. 保證終身續保受限於富衛人壽保險(百慕達)有限公司(「富衛」)是否持續提供衛一醫療總匯(「本計劃」)、每年續保時將根據當時的條款及細則、保單利益和保費率。
3. 以上保費並非保證及每次續保之保費將根據續保時的年齡( 下次生日) 及保費表釐定。保費表根據各因素,包括但不受限於相關的醫療費用的通脹及富衛不時的索賠數據及保單 續保情況釐定。富衛保留隨時作出修改保單利益、條款及細則及保費的權利。
4. 本保費表只供參考,並不能作為富衛與任何人士或團體所訂立之任何合約或該合約的任何部分。有關本計劃之詳情,請參閱產品冊子及保單條款。
5. 實際年繳保費或會因核保結果,包括但不限於國藉及職業核保,而與本保費表所列的年繳保費有所不同。
1. The last update date of this premium table is 28-02-2014.2. Guaranteed renewal is subject to the continual availability of TheOne Medical Solution (the "Plan") offered by FWD Life Insurance Company (Bermuda) Limited ("FWD"), terms and
conditions applicable, benefits, and premium rates at the time of renewal.3. The above premiums are not guaranteed and the premiums for each renewal are determined based on the age (at next birthday) and the premium table applicable at that time when
the policy is renewed. Premium table is subject to change based on factors including but not limited to the inflation of related medical expense, FWD’s medical claim experience and persistency of policies from time to time. FWD reserves the right to revise the benefit payable, terms and conditions and premiums at any time.
4. This premium table is for reference only and not regarded as a contract or any part thereof between FWD and any other parties. Please refer to the product brochure and policy provisions for the details of the Plan.
5. The actual annual premium may be varied from the annual premium stated in this premium table according to the result of underwriting, including but not limited to nationality and occupational underwriting.
PMH
055B
C14
02
-
基本計劃 Basic Plan衛一醫療總匯 ( 美元 ) 年供保費表 ( 中國內地人士除外 )
TheOne Medical Solution (USD) Annual Premium Table (excluding Mainland Chinese)
每年自付費Annual Deductible
0 5,000 10,000
年齡 (下次生日)Age (Next Birthday)
標準計劃Standard Plan
特等計劃Superior Plan
優等計劃Premier Plan
標準計劃Standard Plan
特等計劃Superior Plan
優等計劃Premier Plan
標準計劃Standard Plan
特等計劃Superior Plan
優等計劃Premier Plan
1 1,091 1,334 2,346 508 609 1,173 410 499 939
2 1,091 1,334 2,346 508 609 1,173 410 499 939
3 1,091 1,334 2,346 508 609 1,173 410 499 939
4 1,091 1,334 2,346 508 609 1,173 410 499 939
5 1,039 1,271 2,234 483 580 1,117 391 475 894
6 1,039 1,271 2,234 483 580 1,117 391 475 894
7 1,039 1,271 2,234 483 580 1,117 391 475 894
8 1,039 1,271 2,234 483 580 1,117 391 475 894
9 1,039 1,271 2,234 483 580 1,117 391 475 894
10 1,039 1,271 2,234 483 580 1,117 391 475 894
11 1,039 1,271 2,234 483 580 1,117 391 475 894
12 1,039 1,271 2,234 483 580 1,117 391 475 894
13 1,039 1,271 2,234 483 580 1,117 391 475 894
14 1,039 1,271 2,234 483 580 1,117 391 475 894
15 1,039 1,271 2,234 483 580 1,117 391 475 894
16 1,042 1,286 2,258 485 588 1,129 392 484 903
17 1,044 1,302 2,281 486 596 1,141 392 492 913
18 1,047 1,318 2,305 487 604 1,153 393 501 922
19 1,047 1,364 2,375 487 627 1,188 393 520 950
20 1,047 1,409 2,446 488 652 1,227 395 540 983
21 1,047 1,422 2,491 490 662 1,254 396 547 1,006
22 1,047 1,434 2,497 491 671 1,261 397 554 1,013
23 1,047 1,473 2,502 492 693 1,268 398 572 1,020
24 1,047 1,511 2,508 493 715 1,275 399 587 1,027
25 1,048 1,525 2,513 495 725 1,282 401 592 1,034
26 1,105 1,576 2,541 523 750 1,294 424 613 1,044
27 1,162 1,626 2,570 551 776 1,306 447 633 1,054
28 1,218 1,677 2,598 579 801 1,318 470 654 1,064
29 1,275 1,727 2,658 608 827 1,346 493 675 1,087
30 1,308 1,778 2,736 625 853 1,383 508 695 1,117
31 1,347 1,815 2,775 645 872 1,400 524 711 1,131
32 1,367 1,853 2,814 656 892 1,417 533 727 1,145
33 1,396 1,890 2,892 672 911 1,453 546 743 1,174
34 1,433 1,927 2,970 691 931 1,490 562 759 1,204
35 1,455 1,965 3,049 704 951 1,526 573 774 1,233
36 1,508 2,033 3,127 731 985 1,565 595 802 1,265
37 1,535 2,058 3,166 746 1,000 1,585 608 814 1,281
38 1,553 2,083 3,185 757 1,014 1,595 616 825 1,289
39 1,577 2,109 3,221 770 1,028 1,613 627 836 1,304
40 1,587 2,116 3,283 777 1,033 1,644 633 840 1,329
41 1,637 2,123 3,437 803 1,038 1,721 655 844 1,391
42 1,673 2,173 3,590 823 1,065 1,798 671 865 1,453
43 1,708 2,252 3,744 842 1,105 1,875 688 898 1,516
44 1,779 2,339 3,898 879 1,150 1,953 718 934 1,578
45 1,887 2,447 4,051 934 1,205 2,046 763 979 1,651
46 2,005 2,597 4,232 992 1,277 2,137 811 1,038 1,724
47 2,124 2,722 4,412 1,050 1,336 2,229 859 1,086 1,796
48 2,208 2,822 4,592 1,092 1,383 2,319 892 1,124 1,867
49 2,293 2,922 4,771 1,133 1,429 2,409 926 1,162 1,939
50 2,397 3,022 4,948 1,184 1,476 2,499 968 1,199 2,009
51 2,484 3,121 5,196 1,226 1,522 2,624 1,002 1,237 2,108
52 2,571 3,250 5,443 1,269 1,582 2,749 1,037 1,286 2,207
53 2,697 3,452 5,689 1,330 1,677 2,873 1,087 1,364 2,305
54 2,805 3,666 5,934 1,382 1,778 2,997 1,130 1,446 2,402
55 2,951 3,893 6,177 1,454 1,885 3,120 1,188 1,533 2,499
56 3,118 4,134 6,598 1,532 2,000 3,329 1,251 1,627 2,666
57 3,325 4,390 7,020 1,630 2,122 3,539 1,330 1,726 2,834
58 3,537 4,662 7,445 1,729 2,252 3,749 1,410 1,831 3,002
59 3,729 4,951 7,870 1,818 2,389 3,959 1,483 1,942 3,170
60 3,950 5,353 8,339 1,921 2,581 4,191 1,565 2,098 3,355
-
基本計劃 Basic Plan衛一醫療總匯 ( 美元 ) 年供保費表 ( 中國內地人士除外 )
TheOne Medical Solution (USD) Annual Premium Table (excluding Mainland Chinese)
每年自付費Annual Deductible
0 5,000 10,000
年齡 (下次生日)Age (Next Birthday)
標準計劃Standard Plan
特等計劃Superior Plan
優等計劃Premier Plan
標準計劃Standard Plan
特等計劃Superior Plan
優等計劃Premier Plan
標準計劃Standard Plan
特等計劃Superior Plan
優等計劃Premier Plan
61 4,197 5,718 8,941 2,036 2,754 4,489 1,658 2,239 3,593
62 4,489 6,138 9,543 2,172 2,954 4,786 1,768 2,401 3,830
63 4,827 6,698 10,147 2,329 3,221 5,084 1,895 2,618 4,068
64 5,219 7,427 10,752 2,512 3,568 5,382 2,042 2,900 4,306
65 5,649 8,268 11,515 2,712 3,969 5,758 2,203 3,225 4,606
66 6,004 8,864 12,449 2,882 4,255 6,225 2,342 3,457 4,980
67 6,486 9,599 13,164 3,113 4,608 6,582 2,530 3,744 5,266
68 6,772 9,975 13,871 3,251 4,788 6,936 2,641 3,890 5,549
69 7,091 10,314 14,654 3,404 4,951 7,327 2,766 4,023 5,862
70 7,421 10,650 15,373 3,562 5,112 7,687 2,895 4,154 6,150
71* 7,814 10,958 15,617 3,751 5,260 7,809 3,048 4,274 6,247
72* 8,219 11,855 16,267 3,945 5,691 8,134 3,206 4,624 6,507
73* 8,610 12,275 16,876 4,133 5,892 8,438 3,358 4,788 6,751
74* 9,008 12,696 17,575 4,324 6,094 8,788 3,513 4,952 7,030
75* 9,410 12,920 18,361 4,517 6,202 9,181 3,670 5,039 7,345
76* 9,869 13,172 18,859 4,737 6,323 9,430 3,849 5,137 7,544
77* 10,342 14,013 19,791 4,964 6,726 9,896 4,034 5,465 7,917
78* 10,802 14,966 20,832 5,185 7,184 10,416 4,213 5,837 8,333
79* 11,272 15,414 22,024 5,411 7,399 11,012 4,396 6,012 8,810
80* 11,733 15,890 22,811 5,632 7,628 11,406 4,576 6,198 9,125
81* 12,242 16,143 23,639 5,876 7,749 11,820 4,775 6,296 9,456
82* 12,782 16,927 24,751 6,135 8,125 12,376 4,985 6,602 9,901
83* 13,262 17,236 25,750 6,366 8,273 12,875 5,173 6,722 10,300
84* 13,779 17,544 26,291 6,614 8,421 13,146 5,374 6,842 10,517
85* 14,204 18,160 26,837 6,818 8,717 13,419 5,540 7,083 10,735
86* 14,694 18,160 27,463 7,053 8,717 13,732 5,731 7,083 10,985
87* 15,058 18,287 27,941 7,228 8,778 13,971 5,873 7,132 11,177
88* 15,426 18,725 28,446 7,405 8,988 14,223 6,017 7,303 11,379
89* 15,776 18,952 28,955 7,573 9,097 14,478 6,153 7,391 11,582
90* 16,090 19,389 29,469 7,723 9,307 14,735 6,275 7,562 11,788
91* 16,348 19,715 29,988 7,847 9,463 14,994 6,376 7,689 11,995
92* 16,607 20,051 30,487 7,971 9,625 15,244 6,477 7,820 12,195
93* 16,865 20,425 31,015 8,095 9,804 15,508 6,578 7,966 12,406
94* 17,124 20,817 31,546 8,220 9,993 15,773 6,678 8,119 12,619
95* 17,382 21,251 32,083 8,344 10,201 16,042 6,779 8,288 12,833
96* 17,640 21,724 32,623 8,468 10,428 16,312 6,880 8,473 13,050
97* 17,899 22,204 33,144 8,592 10,658 16,573 6,981 8,660 13,258
98* 18,136 22,826 33,694 8,705 10,957 16,847 7,073 8,903 13,478
99* 18,394 23,139 34,248 8,830 11,107 17,124 7,174 9,025 13,699
* 續保保費以供參考 Renewal premium for your reference
重要事項 Important Notes:
1. 本保費表的上次更新日期為2014年02月28日。
2. 保證終身續保受限於富衛人壽保險(百慕達)有限公司(「富衛」)是否持續提供衛一醫療總匯(「本計劃」)、每年續保時將根據當時的條款及細則、保單利益和保費率。
3. 以上保費並非保證及每次續保之保費將根據續保時的年齡( 下次生日) 及保費表釐定。保費表根據各因素,包括但不受限於相關的醫療費用的通脹及富衛不時的索賠數據及保單 續保情況釐定。富衛保留隨時作出修改保單利益、條款及細則及保費的權利。
4. 本保費表只供參考,並不能作為富衛與任何人士或團體所訂立之任何合約或該合約的任何部分。有關本計劃之詳情,請參閱產品冊子及保單條款。
5. 實際年繳保費或會因核保結果,包括但不限於國藉及職業核保,而與本保費表所列的年繳保費有所不同。
1. The last update date of this premium table is 28-02-2014.2. Guaranteed renewal is subject to the continual availability of TheOne Medical Solution (the "Plan") offered by FWD Life Insurance Company (Bermuda) Limited ("FWD"), terms and
conditions applicable, benefits, and premium rates at the time of renewal.3. The above premiums are not guaranteed and the premiums for each renewal are determined based on the age (at next birthday) and the premium table applicable at that time when
the policy is renewed. Premium table is subject to change based on factors including but not limited to the inflation of related medical expense, FWD’s medical claim experience and persistency of policies from time to time. FWD reserves the right to revise the benefit payable, terms and conditions and premiums at any time.
4. This premium table is for reference only and not regarded as a contract or any part thereof between FWD and any other parties. Please refer to the product brochure and policy provisions for the details of the Plan.
5. The actual annual premium may be varied from the annual premium stated in this premium table according to the result of underwriting, including but not limited to nationality and occupational underwriting.
PMH
055B
C14
02
-
基本計劃 Basic Plan衛一醫療總匯 ( 港元 ) 年供保費表 ( 適用於中國內地人士 )
TheOne Medical Solution (HKD) Annual Premium Table (Applicable to Mainland Chinese)
每年自付費Annual Deductible
0 40,000 80,000
年齡 (下次生日)Age (Next Birthday)
標準計劃Standard Plan
特等計劃Superior Plan
優等計劃Premier Plan
標準計劃Standard Plan
特等計劃Superior Plan
優等計劃Premier Plan
標準計劃Standard Plan
特等計劃Superior Plan
優等計劃Premier Plan
1 9,359 11,444 20,123 4,351 5,225 10,062 3,515 4,279 8,049
2 9,359 11,444 20,123 4,351 5,225 10,062 3,515 4,279 8,049
3 9,359 11,444 20,123 4,351 5,225 10,062 3,515 4,279 8,049
4 9,359 11,444 20,123 4,351 5,225 10,062 3,515 4,279 8,049
5 8,914 10,899 19,165 4,144 4,977 9,583 3,348 4,075 7,666
6 8,914 10,899 19,165 4,144 4,977 9,583 3,348 4,075 7,666
7 8,914 10,899 19,165 4,144 4,977 9,583 3,348 4,075 7,666
8 8,914 10,899 19,165 4,144 4,977 9,583 3,348 4,075 7,666
9 8,914 10,899 19,165 4,144 4,977 9,583 3,348 4,075 7,666
10 8,914 10,899 19,165 4,144 4,977 9,583 3,348 4,075 7,666
11 8,914 10,899 19,165 4,144 4,977 9,583 3,348 4,075 7,666
12 8,914 10,899 19,165 4,144 4,977 9,583 3,348 4,075 7,666
13 8,914 10,899 19,165 4,144 4,977 9,583 3,348 4,075 7,666
14 8,914 10,899 19,165 4,144 4,977 9,583 3,348 4,075 7,666
15 8,914 10,899 19,165 4,144 4,977 9,583 3,348 4,075 7,666
16 8,935 11,033 19,367 4,154 5,044 9,684 3,355 4,149 7,747
17 8,956 11,168 19,568 4,164 5,111 9,785 3,363 4,221 7,828
18 8,976 11,302 19,771 4,174 5,178 9,886 3,371 4,294 7,908
19 8,978 11,696 20,377 4,175 5,379 10,189 3,371 4,458 8,151
20 8,979 12,087 20,982 4,186 5,591 10,526 3,382 4,626 8,433
21 8,980 12,197 21,369 4,197 5,674 10,756 3,392 4,689 8,630
22 8,981 12,304 21,416 4,208 5,757 10,816 3,403 4,751 8,690
23 8,982 12,636 21,464 4,218 5,946 10,875 3,413 4,901 8,750
24 8,983 12,958 21,511 4,229 6,132 10,934 3,424 5,030 8,810
25 8,984 13,084 21,559 4,240 6,218 10,995 3,434 5,078 8,872
26 9,475 13,517 21,801 4,483 6,435 11,098 3,632 5,254 8,957
27 9,966 13,951 22,044 4,727 6,653 11,201 3,832 5,431 9,040
28 10,450 14,383 22,286 4,968 6,872 11,303 4,030 5,607 9,124
29 10,934 14,816 22,801 5,211 7,092 11,543 4,228 5,785 9,320
30 11,223 15,249 23,471 5,361 7,312 11,860 4,352 5,964 9,576
31 11,557 15,570 23,807 5,535 7,479 12,006 4,495 6,098 9,697
32 11,721 15,891 24,142 5,626 7,648 12,152 4,571 6,233 9,817
33 11,975 16,212 24,813 5,762 7,816 12,467 4,684 6,369 10,072
34 12,290 16,533 25,483 5,927 7,985 12,779 4,821 6,505 10,326
35 12,478 16,855 26,154 6,033 8,155 13,090 4,909 6,641 10,579
36 12,931 17,437 26,825 6,267 8,452 13,427 5,101 6,881 10,852
37 13,166 17,654 27,159 6,396 8,573 13,596 5,209 6,978 10,988
38 13,323 17,872 27,321 6,487 8,694 13,678 5,285 7,075 11,054
39 13,523 18,090 27,631 6,600 8,816 13,835 5,379 7,171 11,181
40 13,615 18,149 28,167 6,661 8,860 14,105 5,431 7,205 11,398
41 14,043 18,209 29,485 6,886 8,905 14,766 5,618 7,241 11,932
42 14,349 18,638 30,803 7,054 9,130 15,427 5,757 7,422 12,467
43 14,655 19,316 32,120 7,221 9,480 16,088 5,895 7,704 13,000
44 15,260 20,061 33,437 7,537 9,863 16,749 6,156 8,013 13,535
45 16,185 20,994 34,755 8,012 10,339 17,551 6,547 8,398 14,163
46 17,197 22,280 36,307 8,508 10,954 18,335 6,952 8,898 14,784
47 18,220 23,350 37,855 9,009 11,461 19,117 7,363 9,311 15,404
48 18,941 24,207 39,394 9,361 11,862 19,894 7,651 9,638 16,018
49 19,671 25,064 40,928 9,718 12,261 20,669 7,941 9,963 16,629
50 20,564 25,921 42,453 10,153 12,659 21,438 8,298 10,288 17,236
51 21,307 26,778 44,580 10,515 13,055 22,513 8,594 10,611 18,087
52 22,059 27,883 46,698 10,881 13,572 23,582 8,892 11,031 18,931
53 23,135 29,611 48,807 11,405 14,388 24,648 9,321 11,697 19,772
54 24,062 31,447 50,906 11,856 15,254 25,707 9,690 12,402 20,607
55 25,319 33,395 52,996 12,470 16,172 26,763 10,191 13,150 21,437
56 26,746 35,467 56,608 13,139 17,159 28,559 10,732 13,952 22,873
57 28,527 37,663 60,232 13,978 18,207 30,357 11,411 14,802 24,310
58 30,341 39,999 63,871 14,830 19,319 32,159 12,098 15,705 25,750
59 31,990 42,478 67,525 15,595 20,498 33,965 12,716 16,662 27,192
60 33,884 45,927 71,549 16,476 22,142 35,954 13,427 17,998 28,781
-
基本計劃 Basic Plan衛一醫療總匯 ( 港元 ) 年供保費表 ( 適用於中國內地人士 )
TheOne Medical Solution (HKD) Annual Premium Table (Applicable to Mainland Chinese)
每年自付費Annual Deductible
0 40,000 80,000
年齡 (下次生日)Age (Next Birthday)
標準計劃Standard Plan
特等計劃Superior Plan
優等計劃Premier Plan
標準計劃Standard Plan
特等計劃Superior Plan
優等計劃Premier Plan
標準計劃Standard Plan
特等計劃Superior Plan
優等計劃Premier Plan
61 36,005 49,053 76,709 17,463 23,628 38,508 14,222 19,204 30,822
62 38,510 52,660 81,878 18,630 25,344 41,062 15,164 20,597 32,862
63 41,411 57,468 87,057 19,981 27,634 43,615 16,254 22,456 34,901
64 44,776 63,720 92,250 21,548 30,613 46,171 17,519 24,875 36,942
65 48,464 70,934 98,795 23,263 34,049 49,398 18,902 27,664 39,518
66 51,509 76,053 106,809 24,724 36,506 53,405 20,089 29,661 42,724
67 55,645 82,360 112,945 26,710 39,533 56,473 21,702 32,120 45,179
68 58,097 85,580 119,013 27,887 41,079 59,507 22,658 33,377 47,605
69 60,835 88,487 125,725 29,201 42,474 62,863 23,726 34,510 50,290
70 63,670 91,372 131,900 30,562 43,859 65,951 24,832 35,635 52,761
71* 67,043 94,016 133,991 32,181 45,128 66,996 26,147 36,667 53,597
72* 70,515 101,711 139,566 33,847 48,822 69,783 27,502 39,668 55,827
73* 73,871 105,318 144,793 35,458 50,553 72,397 28,809 41,074 57,918
74* 77,286 108,925 150,788 37,098 52,285 75,394 30,142 42,481 60,316
75* 80,734 110,849 157,535 38,752 53,207 78,768 31,487 43,232 63,014
76* 84,674 113,012 161,809 40,643 54,246 80,905 33,024 44,075 64,724
77* 88,732 120,226 169,802 42,591 57,709 84,902 34,605 46,888 67,921
78* 92,673 128,401 178,733 44,483 61,632 89,367 36,143 50,077 71,494
79* 96,708 132,249 188,965 46,420 63,479 94,483 37,716 51,577 75,586
80* 100,669 136,337 195,715 48,321 65,442 97,858 39,262 53,171 78,286
81* 105,032 138,500 202,818 50,416 66,480 101,409 40,962 54,016 81,128
82* 109,662 145,233 212,358 52,638 69,712 106,179 42,768 56,642 84,944
83* 113,787 147,878 220,929 54,618 70,981 110,465 44,377 57,672 88,372
84* 118,217 150,523 225,573 56,745 72,252 112,787 46,105 58,704 90,229
85* 121,871 155,813 230,261 58,498 74,791 115,131 47,529 60,768 92,105
86* 126,071 155,813 235,626 60,515 74,791 117,814 49,168 60,768 94,251
87* 129,198 156,898 239,732 62,015 75,311 119,866 50,387 61,190 95,893
88* 132,355 160,658 244,063 63,531 77,116 122,032 51,619 62,656 97,625
89* 135,357 162,601 248,433 64,971 78,049 124,217 52,789 63,414 99,373
90* 138,046 166,357 252,842 66,262 79,852 126,421 53,838 64,880 101,137
91* 140,264 169,151 257,289 67,327 81,193 128,645 54,703 65,969 102,916
92* 142,481 172,036 261,578 68,391 82,577 130,789 55,568 67,094 104,631
93* 144,699 175,246 266,101 69,456 84,119 133,051 56,433 68,346 106,441
94* 146,916 178,607 270,664 70,520 85,732 135,332 57,297 69,657 108,266
95* 149,134 182,330 275,264 71,584 87,519 137,632 58,163 71,109 110,106
96* 151,352 186,389 279,904 72,649 89,467 139,952 59,028 72,692 111,962
97* 153,569 190,509 284,376 73,714 91,445 142,189 59,892 74,299 113,750
98* 155,602 195,847 289,091 74,689 94,006 144,546 60,685 76,380 115,637
99* 157,820 198,532 293,845 75,754 95,296 146,923 61,550 77,427 117,538
* 續保保費以供參考 Renewal premium for your reference
重要事項 Important Notes:
1. 本保費表的上次更新日期為2014年02月28日。
2. 保證終身續保受限於富衛人壽保險(百慕達)有限公司(「富衛」)是否持續提供衛一醫療總匯(「本計劃」)、每年續保時將根據當時的條款及細則、保單利益和保費率。
3. 以上保費並非保證及每次續保之保費將根據續保時的年齡( 下次生日) 及保費表釐定。保費表根據各因素,包括但不受限於相關的醫療費用的通脹及富衛不時的索賠數據及保單 續保情況釐定。富衛保留隨時作出修改保單利益、條款及細則及保費的權利。
4. 本保費表只供參考,並不能作為富衛與任何人士或團體所訂立之任何合約或該合約的任何部分。有關本計劃之詳情,請參閱產品冊子及保單條款。
5. 實際年繳保費或會因核保結果,包括但不限於國藉及職業核保,而與本保費表所列的年繳保費有所不同。
1. The last update date of this premium table is 28-02-2014.2. Guaranteed renewal is subject to the continual availability of TheOne Medical Solution (the "Plan") offered by FWD Life Insurance Company (Bermuda) Limited ("FWD"), terms and
conditions applicable, benefits, and premium rates at the time of renewal.3. The above premiums are not guaranteed and the premiums for each renewal are determined based on the age (at next birthday) and the premium table applicable at that time when
the policy is renewed. Premium table is subject to change based on factors including but not limited to the inflation of related medical expense, FWD’s medical claim experience and persistency of policies from time to time. FWD reserves the right to revise the benefit payable, terms and conditions and premiums at any time.
4. This premium table is for reference only and not regarded as a contract or any part thereof between FWD and any other parties. Please refer to the product brochure and policy provisions for the details of the Plan.
5. The actual annual premium may be varied from the annual premium stated in this premium table according to the result of underwriting, including but not limited to nationality and occupational underwriting.
PMH
055C
C14
02
-
基本計劃 Basic Plan衛一醫療總匯 ( 美元 ) 年供保費表 ( 適用於中國內地人士 )
TheOne Medical Solution (USD) Annual Premium Table (Applicable to Mainland Chinese)
每年自付費Annual Deductible
0 5,000 10,000
年齡 (下次生日)Age (Next Birthday)
標準計劃Standard Plan
特等計劃Superior Plan
優等計劃Premier Plan
標準計劃Standard Plan
特等計劃Superior Plan
優等計劃Premier Plan
標準計劃Standard Plan
特等計劃Superior Plan
優等計劃Premier Plan
1 1,201 1,468 2,581 559 670 1,291 451 549 1,033
2 1,201 1,468 2,581 559 670 1,291 451 549 1,033
3 1,201 1,468 2,581 559 670 1,291 451 549 1,033
4 1,201 1,468 2,581 559 670 1,291 451 549 1,033
5 1,143 1,399 2,458 532 638 1,229 431 523 984
6 1,143 1,399 2,458 532 638 1,229 431 523 984
7 1,143 1,399 2,458 532 638 1,229 431 523 984
8 1,143 1,399 2,458 532 638 1,229 431 523 984
9 1,143 1,399 2,458 532 638 1,229 431 523 984
10 1,143 1,399 2,458 532 638 1,229 431 523 984
11 1,143 1,399 2,458 532 638 1,229 431 523 984
12 1,143 1,399 2,458 532 638 1,229 431 523 984
13 1,143 1,399 2,458 532 638 1,229 431 523 984
14 1,143 1,399 2,458 532 638 1,229 431 523 984
15 1,143 1,399 2,458 532 638 1,229 431 523 984
16 1,147 1,415 2,484 534 647 1,242 432 533 994
17 1,149 1,433 2,510 535 656 1,256 432 542 1,005
18 1,152 1,450 2,536 536 665 1,269 433 552 1,015
19 1,152 1,501 2,613 536 690 1,307 433 572 1,045
20 1,152 1,550 2,691 537 718 1,350 435 594 1,082
21 1,152 1,565 2,741 539 729 1,380 436 602 1,107
22 1,152 1,578 2,747 541 739 1,388 437 610 1,115
23 1,152 1,621 2,753 542 763 1,395 438 630 1,122
24 1,152 1,663 2,759 543 787 1,403 439 646 1,130
25 1,153 1,678 2,765 545 798 1,411 442 652 1,138
26 1,216 1,734 2,796 576 825 1,424 467 675 1,149
27 1,279 1,789 2,827 607 854 1,437 492 697 1,160
28 1,340 1,845 2,858 637 882 1,450 517 720 1,171
29 1,403 1,900 2,924 669 910 1,481 543 743 1,196
30 1,439 1,956 3,010 688 939 1,522 559 765 1,229
31 1,482 1,997 3,053 710 960 1,540 577 783 1,245
32 1,504 2,039 3,096 722 982 1,559 587 800 1,260
33 1,536 2,079 3,182 740 1,003 1,599 601 818 1,292
34 1,577 2,120 3,267 761 1,025 1,639 619 835 1,325
35 1,601 2,162 3,354 775 1,047 1,679 631 852 1,357
36 1,659 2,237 3,440 805 1,084 1,722 655 883 1,392
37 1,689 2,264 3,483 821 1,100 1,744 669 896 1,410
38 1,709 2,292 3,504 833 1,116 1,755 678 908 1,418
39 1,735 2,320 3,544 847 1,131 1,775 690 920 1,435
40 1,746 2,328 3,612 855 1,137 1,809 697 924 1,462
41 1,801 2,336 3,781 884 1,142 1,894 721 929 1,531
42 1,841 2,391 3,949 906 1,172 1,978 739 952 1,599
43 1,879 2,478 4,119 927 1,216 2,063 757 988 1,668
44 1,957 2,573 4,288 967 1,265 2,149 790 1,028 1,736
45 2,076 2,692 4,457 1,028 1,326 2,251 840 1,077 1,817
46 2,206 2,857 4,656 1,092 1,405 2,351 893 1,142 1,897
47 2,337 2,995 4,854 1,155 1,470 2,452 945 1,195 1,976
48 2,429 3,105 5,052 1,202 1,522 2,551 982 1,237 2,054
49 2,523 3,215 5,249 1,247 1,572 2,650 1,019 1,279 2,133
50 2,637 3,325 5,443 1,303 1,624 2,749 1,065 1,319 2,210
51 2,733 3,434 5,716 1,349 1,675 2,887 1,103 1,361 2,319
52 2,829 3,575 5,988 1,396 1,741 3,024 1,141 1,415 2,428
53 2,967 3,798 6,258 1,463 1,845 3,161 1,196 1,501 2,536
54 3,086 4,033 6,528 1,521 1,956 3,297 1,243 1,591 2,643
55 3,247 4,283 6,795 1,600 2,074 3,432 1,307 1,687 2,749
56 3,430 4,548 7,258 1,686 2,200 3,662 1,377 1,790 2,933
57 3,658 4,829 7,722 1,793 2,335 3,893 1,463 1,899 3,118
58 3,891 5,129 8,190 1,902 2,478 4,124 1,551 2,015 3,303
59 4,102 5,447 8,657 2,000 2,628 4,355 1,632 2,137 3,487
60 4,345 5,889 9,173 2,114 2,840 4,611 1,722 2,308 3,691
-
基本計劃 Basic Plan衛一醫療總匯 ( 美元 ) 年供保費表 ( 適用於中國內地人士 )
TheOne Medical Solution (USD) Annual Premium Table (Applicable to Mainland Chinese)
每年自付費Annual Deductible
0 5,000 10,000
年齡 (下次生日)Age (Next Birthday)
標準計劃Standard Plan
特等計劃Superior Plan
優等計劃Premier Plan
標準計劃Standard Plan
特等計劃Superior Plan
優等計劃Premier Plan
標準計劃Standard Plan
特等計劃Superior Plan
優等計劃Premier Plan
61 4,617 6,290 9,836 2,240 3,030 4,938 1,824 2,463 3,953
62 4,938 6,752 10,498 2,390 3,250 5,265 1,945 2,642 4,213
63 5,310 7,368 11,162 2,562 3,544 5,593 2,085 2,880 4,475
64 5,741 8,170 11,828 2,764 3,925 5,921 2,247 3,190 4,737
65 6,214 9,095 12,667 2,984 4,366 6,334 2,424 3,548 5,067
66 6,605 9,751 13,694 3,171 4,681 6,848 2,577 3,803 5,478
67 7,135 10,559 14,481 3,425 5,069 7,241 2,783 4,119 5,793
68 7,450 10,973 15,259 3,577 5,267 7,630 2,906 4,279 6,104
69 7,801 11,346 16,120 3,745 5,447 8,060 3,043 4,426 6,449
70 8,164 11,715 16,911 3,919 5,624 8,456 3,185 4,570 6,765
71* 8,596 12,054 17,179 4,127 5,786 8,590 3,353 4,702 6,872
72* 9,041 13,041 17,894 4,340 6,261 8,948 3,527 5,087 7,158
73* 9,471 13,503 18,564 4,547 6,482 9,282 3,694 5,267 7,427
74* 9,909 13,966 19,333 4,757 6,704 9,667 3,865 5,448 7,733
75* 10,351 14,212 20,198 4,969 6,823 10,100 4,037 5,543 8,080
76* 10,856 14,490 20,745 5,211 6,956 10,373 4,234 5,651 8,299
77* 11,377 15,415 21,771 5,461 7,399 10,886 4,438 6,012 8,709
78* 11,883 16,463 22,916 5,704 7,903 11,458 4,635 6,421 9,167
79* 12,400 16,956 24,227 5,953 8,139 12,114 4,836 6,614 9,691
80* 12,907 17,479 25,093 6,196 8,391 12,547 5,034 6,818 10,038
81* 13,467 17,758 26,003 6,464 8,524 13,002 5,253 6,926 10,402
82* 14,061 18,620 27,227 6,749 8,938 13,614 5,484 7,263 10,892
83* 14,589 18,960 28,325 7,003 9,101 14,163 5,691 7,395 11,330
84* 15,157 19,299 28,921 7,276 9,264 14,461 5,912 7,527 11,569
85* 15,625 19,976 29,521 7,500 9,589 14,761 6,094 7,792 11,809
86* 16,164 19,976 30,210 7,759 9,589 15,106 6,305 7,792 12,084
87* 16,564 20,116 30,736 7,951 9,656 15,369 6,461 7,846 12,295
88* 16,969 20,598 31,291 8,146 9,887 15,646 6,619 8,034 12,517
89* 17,354 20,848 31,851 8,331 10,007 15,926 6,769 8,131 12,741
90* 17,699 21,328 32,416 8,496 10,238 16,209 6,903 8,319 12,967
91* 17,983 21,687 32,987 8,632 10,410 16,494 7,014 8,458 13,195
92* 18,268 22,057 33,536 8,769 10,588 16,769 7,125 8,602 13,415
93* 18,552 22,468 34,117 8,905 10,785 17,059 7,236 8,763 13,647
94* 18,837 22,899 34,701 9,042 10,993 17,351 7,346 8,931 13,881
95* 19,121 23,377 35,292 9,179 11,222 17,647 7,457 9,117 14,117
96* 19,404 23,897 35,886 9,315 11,471 17,944 7,568 9,321 14,355
97* 19,689 24,425 36,459 9,452 11,724 18,231 7,680 9,526 14,584
98* 19,950 25,109 37,064 9,576 12,053 18,532 7,781 9,794 14,826
99* 20,234 25,453 37,673 9,713 12,218 18,837 7,892 9,928 15,069
* 續保保費以供參考 Renewal premium for your reference
重要事項 Important Notes:
1. 本保費表的上次更新日期為2014年02月28日。
2. 保證終身續保受限於富衛人壽保險(百慕達)有限公司(「富衛」)是否持續提供衛一醫療總匯(「本計劃」)、每年續保時將根據當時的條款及細則、保單利益和保費率。
3. 以上保費並非保證及每次續保之保費將根據續保時的年齡( 下次生日) 及保費表釐定。保費表根據各因素,包括但不受限於相關的醫療費用的通脹及富衛不時的索賠數據及保單 續保情況釐定。富衛保留隨時作出修改保單利益、條款及細則及保費的權利。
4. 本保費表只供參考,並不能作為富衛與任何人士或團體所訂立之任何合約或該合約的任何部分。有關本計劃之詳情,請參閱產品冊子及保單條款。
5. 實際年繳保費或會因核保結果,包括但不限於國藉及職業核保,而與本保費表所列的年繳保費有所不同。
1. The last update date of this premium table is 28-02-2014.2. Guaranteed renewal is subject to the continual availability of TheOne Medical Solution (the "Plan") offered by FWD Life Insurance Company (Bermuda) Limited ("FWD"), terms and
conditions applicable, benefits, and premium rates at the time of renewal.3. The above premiums are not guaranteed and the premiums for each renewal are determined based on the age (at next birthday) and the premium table applicable at that time when
the policy is renewed. Premium table is subject to change based on factors including but not limited to the inflation of related medical expense, FWD’s medical claim experience and persistency of policies from time to time. FWD reserves the right to revise the benefit payable, terms and conditions and premiums at any time.
4. This premium table is for reference only and not regarded as a contract or any part thereof between FWD and any other parties. Please refer to the product brochure and policy provisions for the details of the Plan.
5. The actual annual premium may be varied from the annual premium stated in this premium table according to the result of underwriting, including but not limited to nationality and occupational underwriting.
PMH
055C
C14
02
PMH055BE_TheOne Medical_Eng (2014-0528).pdfTheOne medical insurance plan campaign_Standard_03TheOne medical insurance plan campaign_Mainland_03