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Begin to shape your
Healthy Future
vCore Medical Planis a Standard Plan certi�ed by the Hong KongSpecial Administrative Region Government under theVoluntary Health Insurance Scheme (“VHIS”) (Certi�cation Number : S00036-01-000-01)
1
vCore Medical Plan
Good health is a key element of success in life. The Government-Certi�ed vCore Medical Plan (the “Plan”) provides you with core coverage on hospitalisation and surgical care. Pursue your life goals, now and in the future, without the burden of unexpected health expenses!
Key Features of vCore Medical Plan
Add-On Features2
Tax Savings1
Wellness Incentives
Guaranteed RenewableCore Protection up to age 100
Covers UnknownPre-existing Conditions
Professional MedicalAssistance Services 2,3
Option to Upgrade 2,4
Simpli�ed Application
2
Even if an illness, Disease or Congenital Condition9 happens to be a Pre-existing Condition that was unknown at the time of Application, it will still be covered by this Plan according to the reimbursement schedule below:
1st Policy Year
No Coverage
2nd Policy Year
25%
3rd Policy Year
50%
4th Policy Year and thereafter
100%
Hence, there’s no need for you to worry about having claims rejected due to unknown Pre-existing Conditions!
Covers Unknown Pre-existing Conditions
This Plan reimburses a wide range of hospitalisation and surgical expenses without any lifetime limit, including psychiatric treatments5, Prescribed Diagnostic Imaging Tests6,7 and pre- and post- Con�nement/Day Case Procedure outpatient care6. In the unfortunate case of cancer, this Plan covers prescribed non-surgical treatments8. Starting from the date of your approved Application, your hospitalisation and surgical expenses are reimbursed up to an annual limit of HKD420,000, which is reset annually. And the plan is guaranteed renewable until you reach age 100 (attained age).
Guaranteed Renewable Core Protection
Psychiatric Treatments5
Pre- and Post- Con�nementOutpatient Care6
Day Case ProcedureOutpatient Care6
Cancer Treatments8
Prescribed DiagnosticImaging Tests6,7
vCoreMedical
Plan
3
Annual premiumpayment (Based on Insured
Person’s attained age and theselected plan level) (HKD)
8,000
7,000
2,000
9,000
13,000
39,000
Apply for this Plan easily by simply answering a few questions, and you can be on your way to be free from worries about unplanned healthcare expenses. No medical examination or health proof is required10. It’s that simple!
You can be con�dent that this Plan meets all the Government regulatory standards. If you are a Hong Kong taxpayer, you can claim tax deduction up to HKD8,000 per Insured Person from the premium paid annually for yourself and your speci�ed relatives.
Speci�ed relatives include:
• The spouse and children of the taxpayer
• Grandparents of the taxpayer or the spouse
• Parents of the taxpayer or the spouse
• Siblings of the taxpayer or the spouse
Example: Premiums paid by Policy Holder (Taxpayer) for multiple policies for himself and his speci�ed relatives
Insured Person
Policy Holder (Taxpayer)
Spouse
Son
Father
Grandmother
Total
Annual tax deduction(The annual deduction
ceiling is HKD8,000 per Insured Person) (HKD)
8,000
7,000
2,000
8,000
8,000
33,000
Tax savings1
(Assuming thetax rate is 15%) (HKD)
4,950
Tax Savings1
Easy and Simpli�ed Application
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 �exibly increase your medical coverage when you need to!
The product information in this brochure does not contain the full terms of the Policy and full terms can be found in the Policy document.
One-o� Option to Upgrade as your Needs Mature2,4
Add-On Feature
Professional Medical Assistance Services are Ready to Help2,3
With this Plan, you can rest assured that your wellbeing is in good hands. Whenever you need information or assistance, the professional medical assistance services are always here to help:
• A top-notch CANcierge team provides end-to-end cancer treatment services
• Second Medical Opinion Services from some of the highest ranked US medical institutions
• International SOS 24-hour Worldwide Assistance Services
No claims period immediatelyprior to the Policy’s Renewal
2 consecutive Policy Years
3 consecutive Policy Years
4 consecutive Policy Years
5 or more consecutive Policy Years
No claims premium discount(Discount rate on Renewal premium)
10%
10%
10%
15%
If you haven’t made any claim for 2 or more consecutive Policy Years, this Plan will o�er you a discount of up to 15% on your next Renewal premium regardless of your Age to encourage you to stay healthy. No claims premium discounts apply as follows:
Wellness Incentives for Staying in Shape
Add-On Feature
5
Issue age
Bene�t term
Premium structure
Premium payment term
Premium payment mode
Currency
Age 0 (from 15 days) – 80 (attained age)
Guaranteed yearly Renewable to Age 100 (attained age)
• Based on Insured Person’s attained age at issue and gender• Renewal premium are non-guaranteed and will be increased yearly according to the Insured Person’s
attained age at the time of Renewal
To Age 100 (attained age)
Monthly / Semi-annually / Annually
HKD
vCore Medical Plan – General Information
Plan type Standalone Plan
6
Bene�t items11,12,13 Bene�t limit
vCore Medical Plan – Bene�t Schedule11,12,13
Area of cover
Ward class
Worldwide14
No restrictions
(a) Room and board
(b) Miscellaneous charges
(c) Attending doctor's visit fee
(d) Specialist's fee6
(e) Intensive care
(f) Surgeon's fee
(g) Anaesthetist's fee
(h) Operating theatre charges
(i) Prescribed Diagnostic Imaging Tests6,7
(j) Prescribed Non-surgical Cancer Treatments8
(k) Pre- and post- Con�nement/ Day Case Procedure outpatient care6
(l) Psychiatric treatments5
Other limits
Annual Bene�t Limit forbene�t items (a) – (l)
Lifetime Bene�t Limit for bene�t items (a) – (l)
Other bene�ts
(I) Death bene�t16
(II) Accidental death bene�t16
HKD750 per day Maximum 180 days per Policy Year
HKD14,000 per Policy Year
HKD750 per day Maximum 180 days per Policy Year
HKD4,300 per Policy Year
HKD3,500 per dayMaximum 25 days per Policy Year
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures: • Complex HKD50,000 • Major HKD25,000 • Intermediate HKD12,500 • Minor HKD5,000
35% of Surgeon's fee payable15
35% of Surgeon's fee payable15
HKD20,000 per Policy Year Subject to 30% Coinsurance
HKD80,000 per Policy Year
HKD580 per visit, up to HKD3,000 per Policy Year • 1 prior outpatient visit or Emergency consultation per Con�nement/Day Case Procedure • 3 follow-up outpatient visits per Con�nement/Day Case Procedure (within 90 days after
discharge from Hospital or completion of Day Case Procedure)
HKD30,000 per Policy Year
HKD420,000 per Policy Year
Nil
HKD10,000
HKD10,000
7
1) If you are a Hong Kong taxpayer, you are eligible for tax deduction up to HKD8,000 from the premium paid for yourself and your speci�ed relatives. The proof of premium payment is issued to you on or before end of April every year for the premium paid during the preceding 12 months ending March of the same year. There is no cap on the number of speci�ed relatives who are eligible for tax deduction. Tax deduction is applicable for Hong Kong only and shall be subject to the Inland Revenue Ordinance (Cap.112) and the Government’s policy as applicable from time to time. FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD”) and its intermediaries do not provide tax advice and you should consult your own tax advisors for any tax advice. For details, please refer to the websites of Inland Revenue Department of Hong Kong (www.ird.gov.hk/eng/) and Voluntary Health Insurance Scheme (www.vhis.gov.hk/en/).
2) It is not part of the Terms and Bene�ts of the Certi�ed Plan – vCore Medical Plan (Certi�cation Number: S00036-01-000-01).
3) CANcierge, Second Medical Opinion Services & International SOS 24-hour Worldwide Assistance Services are provided by 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 lea�et of FWD Professional Medical Assistance Services.
4) 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.
5) This bene�t shall be payable for the Eligible Expenses charged on the psychiatric treatments during Con�nement in Hong Kong as recommended by a Specialist. The bene�t shall be payable in lieu of other bene�t items under (a) to (k) of the Bene�t Schedule.
6) 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.
7) 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.
8) Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
9) Congenital Condition is only covered for condition which has manifested or been diagnosed after the Age of 8 (attained age) of the Insured Person.
10) It is subject to relevant underwriting requirements, otherwise, normal underwriting applies.
11) The bene�t coverage, bene�t amount and bene�t 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 than 12 months.
12) Eligible Expenses incurred in respect of the same item shall not be recoverable under more than one bene�t item in the table above.
13) All bene�ts described in these Terms and Bene�ts are not subject to any restriction in the choice of health care services providers, including but not limited to Registered Medical Practitioner and Hospital.
14) Except for the psychiatric treatments as stated in bene�t item (l) of the Bene�t Schedule, all bene�ts described in the bene�t items shall be applicable worldwide.
15) The percentage here applies to the Surgeon's fee actually payable or the bene�t limit for the Surgeon's fee according to the surgical categorisation, whichever is the lower.
16) The Policy Holder may change the bene�ciary 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 e�ective (irrespective of whether the Insured Person is alive on that date).
Remarks
Speci�ed Relative
Parent or Grandparent(Including parent and grandparent of the spouse)
Child or Sibling(Including sibling of the spouse)
1) Aged 55 (attained age) or more; or 2) under the Age of 55 (attained age) but eligible to claim an allowance under the Government’s Disability Allowance Scheme
1) under the Age of 18 (attained age); or2) Aged 18 (attained age) or more but under the Age of 25 (attained age) and receiving full time education at
university, college, school or other similar educational establishment; or3) Aged 18 (attained age) or more but incapacitated for work by reason of physical or mental disability
Conditions
8
a) FWD reserves the right to revise, modify or adjust the bene�ts payable under the Policy as certi�ed by the Hong Kong Special Administrative
Region Government (“Government”) premium rates at each Policy Renewal and/or add-on services subject to FWD’s prevailing rules and
regulations from time to time at its sole discretion.
b) This Plan is underwritten by FWD. FWD is solely responsible for all features, Policy approval, coverage and bene�t payment under this Plan. FWD
recommends you carefully consider whether this Plan is suitable for you in view of your �nancial 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.
c) 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 o�er
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.
d) 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.
e) This Plan is a medical protection product without any savings element. The costs of insurance and the related costs of the Policy are included in
the premium paid under this Plan despite the product brochure/lea�et 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.
f) 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 noti�cation and explanation of Application
result.
g) If you are not satis�ed with the Policy, you have the right to cancel it and obtain a refund of any premium paid (less any market value adjustment,
if any) and any levy by giving written notice during the cooling-o� period. The cancellation right is subject to the request to cancel must be signed
by you and received by FWD which is at 1/F., FWD Financial Centre, 308 Des Voeux Road Central, Hong Kong within 21 days after (a) the delivery
of the Terms and Bene�ts and the Policy Schedule of the Policy; or (b) the issue of a notice to you or your representative stating that the Terms and
Bene�ts and the Policy Schedule of the Policy are available and when the cooling-o� period would expire, whichever is earlier, provided that no
refund of paid premium and levy can be made if a bene�t payment has been made, is to be made or impeding.
h) While the Policy is in force, you may surrender or terminate the Policy by sending a written request to FWD.
i) The Policy provisions of this Plan are governed by the laws of Hong Kong.
j) This product material is for reference only and is indicative of the key features of this Plan. This product material should be read along with the
illustration documents, Terms and Bene�ts and other relevant marketing materials. For the de�nition of capitalised terms, the exact Terms and
Conditions and the full list of exclusions of this Plan, please refer to the Policy provisions. In the event of any ambiguity or inconsistency between
the terms of this lea�et and the Policy provisions, the Policy provisions shall prevail. If you want to read the Terms and Bene�ts before making an
Application, you can obtain a copy from FWD.
k) E�ective 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 our website at www.fwd.com.hk/en/insurance-levy or contact our customer service
hotline 3123 3123.
Important Notes and Declarations
9
FWD must comply with the following requirements of the Inland Revenue Ordinance to facilitate the Inland Revenue Department
automatically exchanging certain �nancial account information:
i. to identify accounts as non-excluded “�nancial accounts” (“NEFAs”);
ii. to identify the jurisdiction(s) in which NEFA-holding individuals and NEFA-holding entities reside for tax purposes;
iii. to determine the status of NEFA-holding entities as “passive NFEs” and identify the jurisdiction(s) in which their controlling persons
reside for tax purposes;
iv. to collect information on NEFAs (“Required Information”); and
v. to furnish Required Information to the Inland Revenue Department.
You must comply with requests made by FWD to comply with the above listed requirements.
Important Notes and Declarations
Bene�t limit (in HKD)
10
Key Product Risks
Credit Risk
This Plan is an insurance Policy issued by FWD. The Application of this insurance product and all bene�ts 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 �nancial 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 di�erent from the Policy currency, please note that any exchange rate �uctuation 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 bene�t(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
bene�ts 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.
In�ation Risk
The cost of living in the future may be higher than now due to the e�ects of in�ation. Therefore, the bene�ts under this Plan may not be su�cient for
the increasing protection needs in the future even if FWD ful�ls all of its contractual obligations.
Premium Adjustment
The premium is non-guaranteed and will be determined annually based on the attained age of the Insured Person at the time of Renewal.
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 �rst unpaid premium was due. Please note that once the Plan is terminated on this basis,
you will lose all of your bene�ts.
Termination Conditions
The Policy shall be automatically terminated on the earliest of the followings:
(a) where the Policy is terminated due to non-payment of premiums after the grace period as speci�ed in Section 13 of Part 2 or Section 3 of Part 3
of the Terms and Bene�ts of the Policy provisions;
(b) the day immediately following the death of the Insured Person; or
(c) FWD has ceased to have the requisite authorisation under the Insurance Ordinance to write or continue to write the Policy.
For more details, please refer to the Terms and Conditions of the Policy provisions.
11
Under the Terms and Bene�ts of the Policy provisions, FWD shall not pay any bene�ts in relation to or arising from the following expenses:
1. Expenses incurred for treatments, procedures, medications, tests or services which are not Medically Necessary.
2. Expenses incurred for the whole or part of the Con�nement 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 e�ectively performed in a setting for
providing Medical Services to a Day Patient.
3. Expenses arising from Human Immunode�ciency Virus (“HIV”) and its related Disability, which is contracted or occurs before the Policy E�ective
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 Bene�ts of the Policy
provisions) such Disability shall be generally excluded from any coverage of the Terms and Bene�ts of the Policy provisions if it exists before the
Policy E�ective Date. If evidence of proof as to the time at which such Disability is �rst contracted or occurs is not available, manifestation of such
Disability within the �rst 5 years after the Policy E�ective Date shall be presumed to be contracted or occur before the Policy E�ective Date, while
manifestation after such 5 years shall be presumed to be contracted or occur after the Policy E�ective 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 Bene�ts shall
apply.
4. Expenses incurred for Medical Services as a result of Disability arising from or consequential upon the dependence, overdose or in�uence of
drugs, alcohol, narcotics or similar drugs or agents, self-in�icted 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).
5. Any charges in respect of services for:
(a) beauti�cation or cosmetic purposes, unless necessitated by Injury caused by an Accident and the Insured Person receives
the Medical Services within 90 days of the Accident; or
(b) correcting visual acuity or refractive errors that can be corrected by �tting of spectacles or contact lens, including but not
limited to eye refractive therapy, LASIK and any related tests, procedures and services.
6. 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.
7. Expenses incurred for dental treatment and oral and maxillofacial procedures performed by a dentist except for Emergency Treatment and
surgery during Con�nement arising from an Accident. Follow-up dental treatment or oral surgery after discharge from Hospital shall not be
covered.
Under the Terms and Bene�ts of the Policy provisions, FWD shall not pay any bene�ts in relation to or arising from the following expenses:
1. Expenses incurred for treatments, procedures, medications, tests or services which are not Medically Necessary.
2. Expenses incurred for the whole or part of the Con�nement 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 e�ectively performed in a setting for
providing Medical Services to a Day Patient.
3. Expenses arising from Human Immunode�ciency Virus (“HIV”) and its related Disability, which is contracted or occurs before the Policy E�ective
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 Bene�ts of the Policy
provisions) such Disability shall be generally excluded from any coverage of the Terms and Bene�ts of the Policy provisions if it exists before the
Policy E�ective Date. If evidence of proof as to the time at which such Disability is �rst contracted or occurs is not available, manifestation of such
Disability within the �rst 5 years after the Policy E�ective Date shall be presumed to be contracted or occur before the Policy E�ective Date, while
manifestation after such 5 years shall be presumed to be contracted or occur after the Policy E�ective 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 Bene�ts shall
apply.
4. Expenses incurred for Medical Services as a result of Disability arising from or consequential upon the dependence, overdose or in�uence of
drugs, alcohol, narcotics or similar drugs or agents, self-in�icted 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).
5. Any charges in respect of services for:
(a) beauti�cation or cosmetic purposes, unless necessitated by Injury caused by an Accident and the Insured Person receives
the Medical Services within 90 days of the Accident; or
(b) correcting visual acuity or refractive errors that can be corrected by �tting of spectacles or contact lens, including but not
limited to eye refractive therapy, LASIK and any related tests, procedures and services.
6. 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.
7. Expenses incurred for dental treatment and oral and maxillofacial procedures performed by a dentist except for Emergency Treatment and
surgery during Con�nement arising from an Accident. Follow-up dental treatment or oral surgery after discharge from Hospital shall not be
covered.
General Exclusions
12
8. 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 arti�cial method of inducing pregnancy; or sexual dysfunction
including but not limited to impotence, erectile dysfunction or pre-mature ejaculation, regardless of cause.
9. 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 puri�ers 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 Con�nement or on the day of the Day Case Procedure.
10. 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.
11. 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.
12. 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).
13. Eligible Expenses which have been reimbursed under any law, or medical program or insurance Policy provided by any government, company or
other third party.
14. 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.
General Exclusions
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
3,600
3,600
3,600
3,600
1,604
1,604
1,604
1,604
1,604
1,604
1,604
1,604
1,604
1,604
1,604
1,632
1,663
1,683
1,696
1,706
1,728
1,757
1,799
1,840
1,887
1,929
1,977
2,023
2,067
2,116
2,170
2,225
2,279
2,334
2,389
2,449
2,790
2,790
2,790
2,790
1,909
1,909
1,909
1,909
1,909
1,909
1,909
1,909
1,909
1,909
1,909
1,983
2,055
2,130
2,194
2,256
2,307
2,356
2,409
2,478
2,550
2,618
2,692
2,766
2,839
2,915
2,994
3,072
3,151
3,234
3,323
3,406
1,872.00
1,872.00
1,872.00
1,872.00
834.08
834.08
834.08
834.08
834.08
834.08
834.08
834.08
834.08
834.08
834.08
848.64
864.76
875.16
881.92
887.12
898.56
913.64
935.48
956.80
981.24
1,003.08
1,028.04
1,051.96
1,074.84
1,100.32
1,128.40
1,157.00
1,185.08
1,213.68
1,242.28
1,273.48
1,450.80
1,450.80
1,450.80
1,450.80
992.68
992.68
992.68
992.68
992.68
992.68
992.68
992.68
992.68
992.68
992.68
1,031.16
1,068.60
1,107.60
1,140.88
1,173.12
1,199.64
1,225.12
1,252.68
1,288.56
1,326.00
1,361.36
1,399.84
1,438.32
1,476.28
1,515.80
1,556.88
1,597.44
1,638.52
1,681.68
1,727.96
1,771.12
324.00
324.00
324.00
324.00
144.36
144.36
144.36
144.36
144.36
144.36
144.36
144.36
144.36
144.36
144.36
146.88
149.67
151.47
152.64
153.54
155.52
158.13
161.91
165.60
169.83
173.61
177.93
182.07
186.03
190.44
195.30
200.25
205.11
210.06
215.01
220.41
251.10
251.10
251.10
251.10
171.81
171.81
171.81
171.81
171.81
171.81
171.81
171.81
171.81
171.81
171.81
178.47
184.95
191.70
197.46
203.04
207.63
212.04
216.81
223.02
229.50
235.62
242.28
248.94
255.51
262.35
269.46
276.48
283.59
291.06
299.07
306.54
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
2,510
2,574
2,654
2,755
2,864
2,982
3,098
3,220
3,348
3,485
3,644
3,822
4,007
4,199
4,395
4,618
4,871
5,151
5,453
5,754
6,049
6,349
6,650
6,954
7,352
7,774
8,193
8,637
9,104
9,705
10,303
10,900
11,500
12,103
12,683
13,263
3,489
3,577
3,671
3,765
3,876
4,024
4,175
4,337
4,503
4,672
4,841
5,010
5,181
5,354
5,530
5,709
5,896
6,086
6,288
6,494
6,715
6,943
7,178
7,420
7,679
7,999
8,384
8,788
9,202
9,623
10,041
10,460
10,876
11,298
11,714
12,147
1,305.20
1,338.48
1,380.08
1,432.60
1,489.28
1,550.64
1,610.96
1,674.40
1,740.96
1,812.20
1,894.88
1,987.44
2,083.64
2,183.48
2,285.40
2,401.36
2,532.92
2,678.52
2,835.56
2,992.08
3,145.48
3,301.48
3,458.00
3,616.08
3,823.04
4,042.48
4,260.36
4,491.24
4,734.08
5,046.60
5,357.56
5,668.00
5,980.00
6,293.56
6,595.16
6,896.76
1,814.28
1,860.04
1,908.92
1,957.80
2,015.52
2,092.48
2,171.00
2,255.24
2,341.56
2,429.44
2,517.32
2,605.20
2,694.12
2,784.08
2,875.60
2,968.68
3,065.92
3,164.72
3,269.76
3,376.88
3,491.80
3,610.36
3,732.56
3,858.40
3,993.08
4,159.48
4,359.68
4,569.76
4,785.04
5,003.96
5,221.32
5,439.20
5,655.52
5,874.96
6,091.28
6,316.44
225.90
231.66
238.86
247.95
257.76
268.38
278.82
289.80
301.32
313.65
327.96
343.98
360.63
377.91
395.55
415.62
438.39
463.59
490.77
517.86
544.41
571.41
598.50
625.86
661.68
699.66
737.37
777.33
819.36
873.45
927.27
981.00
1,035.00
1,089.27
1,141.47
1,193.67
314.01
321.93
330.39
338.85
348.84
362.16
375.75
390.33
405.27
420.48
435.69
450.90
466.29
481.86
497.70
513.81
530.64
547.74
565.92
584.46
604.35
624.87
646.02
667.80
691.11
719.91
754.56
790.92
828.18
866.07
903.69
941.40
978.84
1,016.82
1,054.26
1,093.23
72
73
74
75
76
77
78
79
80
81^
82^
83^
84^
85^
86^
87^
88^
89^
90^
91^
92^
93^
94^
95^
96^
97^
98^
99^
73
74
75
76
77
78
79
80
81
82^
83^
84^
85^
86^
87^
88^
89^
90^
91^
92^
93^
94^
95^
96^
97^
98^
99^
100^
13,842
14,420
14,999
15,581
16,163
16,744
17,226
17,705
18,106
18,504
18,876
19,249
19,610
19,974
20,323
20,669
21,025
21,355
21,680
22,001
22,300
22,598
22,901
23,202
23,505
23,799
24,085
24,371
12,588
13,025
13,467
13,909
14,351
14,795
15,235
15,699
16,157
16,560
16,927
17,278
17,590
17,866
18,096
18,327
18,554
18,759
18,960
19,158
19,312
19,466
19,616
19,725
19,824
19,925
19,994
20,063
7,197.84
7,498.40
7,799.48
8,102.12
8,404.76
8,706.88
8,957.52
9,206.60
9,415.12
9,622.08
9,815.52
10,009.48
10,197.20
10,386.48
10,567.96
10,747.88
10,933.00
11,104.60
11,273.60
11,440.52
11,596.00
11,750.96
11,908.52
12,065.04
12,222.60
12,375.48
12,524.20
12,672.92
6,545.76
6,773.00
7,002.84
7,232.68
7,462.52
7,693.40
7,922.20
8,163.48
8,401.64
8,611.20
8,802.04
8,984.56
9,146.80
9,290.32
9,409.92
9,530.04
9,648.08
9,754.68
9,859.20
9,962.16
10,042.24
10,122.32
10,200.32
10,257.00
10,308.48
10,361.00
10,396.88
10,432.76
1,245.78
1,297.80
1,349.91
1,402.29
1,454.67
1,506.96
1,550.34
1,593.45
1,629.54
1,665.36
1,698.84
1,732.41
1,764.90
1,797.66
1,829.07
1,860.21
1,892.25
1,921.95
1,951.20
1,980.09
2,007.00
2,033.82
2,061.09
2,088.18
2,115.45
2,141.91
2,167.65
2,193.39
1,132.92
1,172.25
1,212.03
1,251.81
1,291.59
1,331.55
1,371.15
1,412.91
1,454.13
1,490.40
1,523.43
1,555.02
1,583.10
1,607.94
1,628.64
1,649.43
1,669.86
1,688.31
1,706.40
1,724.22
1,738.08
1,751.94
1,765.44
1,775.25
1,784.16
1,793.25
1,799.46
1,805.67
^ 只適用於續保。^ For renewal only.
此標準保費表並未包括由保險業監管局徵收的保費徵費。This Standard Premium Schedule does not include levy which is collected by the Insurance Authority.
PMH108AE1912
fwd.com.hk | 24hr Hotline 3123 3123Get ready to live
FWD Life Insurance Company (Bermuda) Limited (“the Company”)
vCore Medical Plan (this “Plan”) Information Sheet
Page 1
Notes:
1. This Plan is a Standard Plan certified by the Government under Voluntary Health Insurance Scheme (No.S00036-
01-000-01), the vCore Medical Plan Coverage in part A and the no claims premium discount in part B of this
illustration are certified by the Government.
2. The Company will call the Policy Holder to verify the application if the Policy Holder is a vulnerable customer or
any suitability mismatch is found.
3. Please refer to the product brochure / leaflet of this Plan and other insurance plan (if any) for the detailed key
product risks, including but not limited to credit risk, exchange rate and currency risk, inflation risk, exclusions,
premium adjustment, premium term and non-payment of premium and termination conditions.
4. The product information does not contain the full terms of policy and the full terms can be found in the Policy
document of this Plan.
5. This Plan is underwritten by the Company. All benefits payable under this Plan are subject to the credit risk of the
Company.
6. This Plan is eligible for claiming tax deduction under Inland Revenue Ordinance (Cap. 112) by the Policy Holder.
The proof of premium payment is issued to the Policy Holder on or before end of April every year for the premium
paid during the preceding 12 months ending March of the same year. The Company and its intermediaries do not
provide tax or account advice and Policy Holder should consult his/her own tax and accounting advisors for any
tax advice.
7. 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 than 12 months.
FWD Life Insurance Company (Bermuda) Limited (“the Company”)
vCore Medical Plan (this “Plan”) Information Sheet
Page 2
A. vCore Medical Plan Coverage
This Plan provides coverage for the following items, subject to the limit specified in each item and the annual limit:
For details, please refer to the Policy provisions of this Plan.
Area of cover Worldwide <Note 1>
Benefit Schedule
Benefit items <Note 2> Benefit limit
HKD
I. Basic benefits
(a) Room and board
(Maximum 180 days per Policy Year)
750 per day
(b) Miscellaneous charges 14,000 per Policy Year
(c) Attending doctor’s visit fee
(Maximum 180 days per Policy Year)
750 per day
(d) Specialist’s fee <Note 3> 4,300 per Policy Year
(e) Intensive care
(Maximum 25 days per Policy Year)
3,500 per day
(f) Surgeon’s fee
(Per surgery, subject to surgical category for the
surgery/procedure in the Schedule of Surgical
Procedures)
Complex
Major
Intermediate
Minor
50,000
25,000
12,500
5,000
(g) Anaesthetist's fee 35% of the Surgeon's fee payable <Note 8>
(h) Operating theatre charges 35% of the Surgeon's fee payable <Note 8>
(i) Prescribed Diagnostic Imaging Tests <Note 3 and 4> 20,000 per Policy Year,
subject to 30% Coinsurance
(j) Prescribed Non-surgical Cancer Treatments <Note 5> 80,000 per Policy Year
(k) Pre- and post-Confinement/Day Case Procedure
outpatient care <Note 3>
1 prior outpatient visit or Emergency
consultation per Confinement/Day Case
Procedure
3 follow-up outpatient visits per
Confinement/Day Case Procedure (within 90
days after discharge from Hospital or
completion of Day Case Procedure)
580 per visit,
up to 3,000 per Policy Year
(l) Psychiatric treatments <Note 6> 30,000 per Policy Year
Other limits
Annual Benefit Limit for benefit items (a) - (l) 420,000
Lifetime Benefit Limit for benefit items (a) - (l) Nil
II. Other benefits
(I) Death benefit <Note 7> 10,000 (II) Accidental death benefit <Note 7> 10,000
FWD Life Insurance Company (Bermuda) Limited (“the Company”)
vCore Medical Plan (this “Plan”) Information Sheet
Page 3
Notes:
1. 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.
2. Eligible Expenses incurred in respect of the same item shall not be recoverable under more than one benefit item
in the table above.
3. The Company 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.
4. 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.
5. Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and
hormonal therapy.
6. 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.
7. 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 the Company. The Company shall register the change in its records when the
Company 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).
8. 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.
FWD Life Insurance Company (Bermuda) Limited (“the Company”)
vCore Medical Plan (this “Plan”) Information Sheet
Page 4
B. No claims premium discount
If:
1. this Policy has been in force for two (2) or more consecutive Policy Years; and
2. no claims have been incurred under this Terms and Benefits during two (2) or more consecutive Policy Years
immediately prior to the Policy's Renewal and shall be settled by the Company (for the purpose of this clause, a
claim is considered as incurred on (a) the admission date for Confinement service; or (b) the treatment date for
non-Confinement service);
then the Policy Holder shall be eligible for a no claims premium discount on the Renewal premium of this Terms and
Benefits at the following rate:
No claims period immediately prior to the
Policy's Renewal
No claims premium discount
(Discount on Renewal premium)
Two (2) consecutive Policy Years 10%
Three (3) consecutive Policy Years 10%
Four (4) consecutive Policy Years 10%
Five (5) or more consecutive Policy Years 15%
For the avoidance of doubt, if a claim is incurred prior to the Renewal Date but is not made or settled until after the
Renewal Date, the Policy Holder shall upon demand immediately repay the Company the difference between the no claims
premium discount amount already given and the eligible discount amount as recalculated according to this no claims
premium discount section.
For details, please refer to the Policy provisions of this Plan.
FWD Life Insurance Company (Bermuda) Limited (“the Company”)
vCore Medical Plan (this “Plan”) Information Sheet
Page 5
C. Others
(i) Convertibility option to designated medical insurance plan at specified ages
If this Policy has been in force for two (2) Policy Years or above, the Policy Holder has the right to convert this Policy to a
designated medical insurance plan with higher protection coverage upon the Policy anniversary which immediately comes
on or after the Age of fifty (50), fifty-five (55), sixty (60) or sixty-five (65) years of the Insured Person. The application
should be made within thirty-one (31) days immediately before or after the relevant Policy anniversary with no need to
provide further evidence of insurability on the Insured Person. The application of this option 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 the Company from time to time. This right can only be exercised once under this Policy and is irrevocable.
FWD Life Insurance Company (Bermuda) Limited (“the Company”)
vCore Medical Plan (this “Plan”) Information Sheet
Page 6
(ii) Second Medical Opinion Service
As part of the Company’s promise of care, you are given the access to some of the highest ranked medical institutions in
the US through International SOS once your major disease claim is approved.
What is Second Medical Opinion Service?
The objective of the Second Medical Opinion Service is to meet the public’s increasing demands for the best possible
medical treatment bearing in mind the continual development of leading edge treatments for major diseases. This is why
we offer the Second Medical Opinion Service to our valuable Insured Person (the “member”) via International SOS.
Understand this distinguished service, the member has access to a panel of world-class specialists at leading medical
institutions in the US to obtain alternative advice on the member’s medical condition and confirmation of the diagnosis in
the event that the member has been diagnosed as suffering from major disease made by your attending physician, plus any
other relevant medical advice.
Panel of Second Medical Advice Specialists
The Panel provides you access to some of the highest ranked medical institutions in the US, together with more than
15,000 leading specialists who practice there, including:
Harvard Medical School
Johns Hopkins Hospital, Baltimore
Massachusetts General Hospital
Brigham and Women’s Hospital, Boston
Dana-Faber Cancer Institute
Cedars-Sinai Medical Center, Los Angeles
How to seek Second Medical Opinion Service?
When the member has been diagnosed with a major disease, the member is required to follow the instruction below
to obtain the Second Medical Opinion Service.
Call International SOS at (852) 3122 2900 and request for the Second Medical Opinion Service.
Within 24 hours International SOS will confirm membership and whether medical condition is eligible for the
Service.
Service Flow
1) Receive “Information Request Form” from International SOS via fax or email.
2) International SOS will assess the case and reply to the member if his/her case is eligible for the Service. The
member needs to complete the Information Request Form and send to International SOS together with the
relevant medical documents for the Second Medical Opinion Report*. (via courier or registered mail)
3) The Panel of Second Medical Opinion will send acknowledgement to International SOS after receipt. If
additional medical information is required, the Panel of Second Medical Opinion will inform International SOS
who in turn contact the member.
FWD Life Insurance Company (Bermuda) Limited (“the Company”)
vCore Medical Plan (this “Plan”) Information Sheet
Page 7
4) After evaluation, written Second Medical Opinion report and advice will be faxed/emailed to International SOS
within 3-5 US working days depending on complexity of the report.
5) Upon receipt of the Second Medical Opinion report, International SOS will send it to the member and his/her
treating physicians, as required.
If requested, International SOS will arrange transportation, accommodation and admission to the identified
treating facility and with a medical escort, if medically necessary.
ALL RELATED COSTS to International SOS WILL BE BORNE BY THE MEMBER.
* Second Medical Opinion Report is US$850. (The cost may be reviewed from time to time)
The information above is for reference only and none of the above is binding upon the Company or International SOS.
The service is provided by International SOS and it is not guaranteed renewable. The Company shall not be responsible for
any act of failure to act on the part of International SOS and the professionals. Details of the terms may be revised from
time to time without prior notice from the Company.
Note:
1) The Company, the medical panel, International SOS and/or any of its affiliates, record, share, use and archive
your personal data in pursuance of the services being offered to you as well as for their training and quality
assurance purposes. The failure to provide the relevant personal data may result in the said service provides being
unable to provide the relevant services to you.
2) The Second Medical Opinion Service provided to you is purely advisory and recommendatory in nature and is not
a substitute for medical services. It is for you and your physician or consulting hospital to decide the appropriate
medical course of action to be pursued. International SOS, and/or its affiliates and the panel providing the medical
opinion do not have any authority or responsibility to determine the benefits/amounts payable, its eligibility claim
procedures etc.
FWD Life Insurance Company (Bermuda) Limited (“the Company”)
vCore Medical Plan (this “Plan”) Information Sheet
Page 8
(iii) International SOS 24-hour Worldwide Assistance Services
General Benefits and Terms
The following SOS benefits are available to the Company’s Insured Persons (“Users”) when travelling outside the Home
Country or Usual Country of Residence for periods not exceeding 90 consecutive days per trip.
The Worldwide Assistance Services is provided as a benefit by International SOS (“Intl.SOS”). The Company is not an
agent of Intl.SOS and shall not accept any liability for the services provided by Intl.SOS, or their availability. The contract
between Intl.SOS and the Users is separate and independent to the Policy.
Medical Assistance:
(1) Telephone Medical Advice
Intl.SOS will arrange for the provision of medical advice to the User over the telephone.
(2) Arrangement and Payment of Emergency Medical Evacuation
Intl.SOS will arrange and pay for the air and/or surface transportation and communication for moving the User to
the nearest hospital where appropriate medical care is available.
(3) Arrangement and Payment of Emergency Medical Repatriation
Intl.SOS will arrange and pay for the return of the User to the Home Country or Usual Country of Residence
following an Emergency Medical Evacuation for subsequent in-hospital treatment in a place outside the Home
Country or Usual Country of Residence.
(4) Arrangement and Payment of Repatriation of Mortal Remains Intl.SOS will arrange for transporting the User’s mortal remains from the place of death to the Home Country or
Usual Country of Residence and pay for all expenses reasonably and unavoidably incurred in such transportation
so arranged by Intl.SOS or alternatively pay the cost of burial at the place of death as approved by Intl.SOS.
(5) Arrangement of Hospital Admission and Guarantee of Hospital Admission Deposit
If the medical condition of the User is of such gravity as to require hospitalisation, Intl.SOS will assist such User
in the hospital admission. In case of hospital admission duly approved by Intl. SOS and the User is without means
of payment of the required hospital admission deposit, Intl.SOS will on behalf of the User guarantee or provide
such payment up to US$5,000. The provision of such guarantee by Intl.SOS is subject to Intl.SOS first securing
payment from the User through the User’s credit card or from the funds from the User’s family. Intl.SOS shall not
be responsible for any third party expenses which shall be solely the User’s responsibility.
(6) Delivery of Essential Medicine
Intl.SOS will arrange to deliver to the User essential medicine, drugs and medical supplies that are necessary for a
User’s care and/or treatment but which are not available at the User’s location. The delivery of such medicine,
drugs and medical supplies will be subject to the laws and regulations applicable locally. Intl.SOS will not pay for
the costs of such medicine, drugs or medical supplies and any delivery costs thereof.
(7) Arrangement and Payment of Compassionate Visit and Hotel Accommodation (US$1,000 subject to a sub-
limit US$250 per day)
Intl.SOS will arrange and pay for one economy class return airfare and hotel accommodations for a relative or a
friend of the User to join the User who, when travelling alone, is hospitalised outside the Home Country or Usual
Country of Residence for a period in excess of seven (7) consecutive days, subject to Intl.SOS’ prior approval and
only when judged necessary by Intl.SOS on medical and compassionate grounds.
(8) Arrangement and Payment of Return of Minor Children
Intl.SOS will arrange and pay for the economy class one-way airfare for the return of minor children [aged 18
years old and below, unmarried] to the Home Country or Usual Country of Residence if they are left unattended
as a result of the accompanying User’s illness, accident or Emergency Medical Evacuation. Escort will be
provided, when necessary, at no charge.
(9) Arrangement and Payment of Convalescence Expenses (US$1,000 subject to a sub-limit US$250 per day)
FWD Life Insurance Company (Bermuda) Limited (“the Company”)
vCore Medical Plan (this “Plan”) Information Sheet
Page 9
Intl.SOS will arrange and pay for the additional hotel accommodation expenses necessarily and unavoidably
incurred by the User related to an incident requiring Emergency Medical Evacuation, Emergency Medical
Repatriation or hospitalisation. Intl.SOS’ prior approval, subject to its determination on medical grounds, is
required in respect of such payment.
(10) Arrangement and Payment of Unexpected Return to the Home Country or Usual Country of Residence
In the event of the death of the User’s close relative in his/her Home Country or Usual Country of Residence
while the User is travelling overseas (save for in the case of migration) and necessitating an unexpected return to
his Home Country or Usual Country of Residence, Intl.SOS will arrange and pay for one economy class return
airfare for the return of the User to his/her Home Country or Usual Country of Residence.
(11) Arrangement and Payment of Return of User to Original Work Site
Following the User’s Emergency Medical Evacuation or Emergency Medical Repatriation and within one (1)
month period, Intl.SOS will, upon the User’s request, arrange and pay for a one-way economy class airfare to
return the User to the original work location.
Travel Assistance:
(1) Inoculation and Visa Requirement Information
Intl.SOS shall provide information concerning visa and inoculation requirements for foreign countries, as those
requirements are specified from time to time in the most current edition of World Health Organization Publication
“Vaccination Certificates Requirements and Health Advice for International Travel” (for inoculations) and the
“ABC Guide to International Travel Information” (for visas). This information will be provided to the User at any
time, whether or not the User is travelling or an emergency has occurred.
(2) Lost Luggage Assistance
Intl.SOS will assist the User who has lost his/her luggage while travelling outside the Home Country or Usual
Country of Residence by referring the User to the appropriate authorities involved.
(3) Lost Passport Assistance
Intl.SOS will assist the User who has lost his/her passport while travelling outside the Home Country or Usual
Country of Residence by referring the User to the appropriate authorities involved.
(4) Legal Referral
Intl.SOS will provide the Users with the name, address, telephone numbers, if requested by the User and if
available, office hours for referred lawyers and legal practitioners. Intl.SOS will not give any legal advice to the
User.
(5) Emergency Travel Service Assistance
Intl.SOS shall assist the User in making reservations for air ticket or hotel accommodation on an emergency basis
when travelling overseas.
Definitions:
(1) Serious Medical Condition
means a condition which in the opinion of Intl.SOS constitutes a serious medical emergency requiring urgent
remedial treatment to avoid death or serious impairment to the User’s immediate or long term health prospects.
The seriousness of the medical condition will be judged within the context of the User’s geographical location,
the nature of the medical emergency and the local availability of appropriate medical care or facilities.
(2) Pre-Existing Condition
means any medical condition in respect of which the User has been hospitalised during the 12-month period
immediately prior to the 1st day the User is included in Intl.SOS program or any medical condition that has been
diagnosed or treated by a medical practitioner including prescribed drugs within the 6-month period prior to the
1st day the User is included in Intl.SOS program.
FWD Life Insurance Company (Bermuda) Limited (“the Company”)
vCore Medical Plan (this “Plan”) Information Sheet
Page 10
Exclusions:
The following treatment, items, conditions, activities and their related or consequential expenses are excluded unless
Intl.SOS has given its prior written approval and the Company has paid the designated fees:
(1) Any expense incurred as a result of a Pre-existing Condition.
(2) More than one emergency evacuation and/or repatriation for any single medical condition of a User during the
term of the insurance policy, subject to a maximum of one year.
(3) Any cost or expense not expressly covered by the program and not approved in advance and in writing by
Intl.SOS and/or not arranged by Intl.SOS. This exception shall not apply to Emergency Medical Evacuation from
remote or primitive areas when Intl.SOS cannot be contacted in advance and delay might reasonably be expected
in loss of life or harm to the User.
(4) Any event occurring when the User is within the territory of his/her Home Country or Usual Country of
Residence.
(5) Any expense for Users who are travelling outside the Home Country or Usual Country of Residence contrary to
the advice of a medical practitioner, or for the purpose of obtaining medical treatment or for rest and recuperation
following any prior accident, illness or Pre-existing Condition.
(6) Any expense for medical evacuation or repatriation if the User is not suffering from a Serious Medical Condition,
and/or in the opinion of the Intl.SOS physician, the User can be adequately treated locally, or treatment can be
reasonably delayed until the User returns to his/her Home Country or Usual Country of Residence.
(7) Any expense for medical evacuation or repatriation where the User, in the opinion of the Intl.SOS physician, can
travel as an ordinary passenger without a medical escort.
(8) Any treatment or expense related to childbirth, miscarriage or pregnancy. This exception shall not apply to any
abnormal pregnancy or vital complication of pregnancy which endangers the life of the mother and/or unborn
child during the first twenty-four (24) weeks of pregnancy.
(9) Any expense related to accident or injury occurring while the User is engaged in caving, mountaineering or rock
climbing necessitating the use of guides or ropes, potholing, skydiving, parachuting, bungee-jumping, ballooning,
hang gliding, deep sea diving utilizing hard helmet with air hose attachments, martial arts, rallying, racing of any
kind other than on foot, and any organized sports undertaken on a professional or sponsored basis.
(10) Any expense incurred for emotional, mental or psychiatric illness.
(11) Any expense incurred as a result of a self-inflicted injury, suicide, drug addiction or abuse, alcohol abuse,
sexually transmitted diseases.
(12) Any expense incurred as a result of Acquired Immune Deficiency Syndrome (AIDS) or any AIDS related
condition or disease.
(13) Any expense related to the User engaging in any form of aerial flight except as a passenger on a scheduled airline
flight or licensed charter aircraft over an established route.
(14) Any expense related to the User engaging in the commission of, or the attempt to commit, an unlawful act.
(15) Any expense related to treatment performed or ordered by a non-registered practitioner not in accordance with the
standard medical practice as defined in the country of treatment.
(16) Any expense incurred as a result of the User engaging in active service in the armed forces or police of any nation;
active participation in war (whether declared or not), invasion, act of foreign enemy, hostilities, civil war, rebellion,
riot, revolution or insurrection.
FWD Life Insurance Company (Bermuda) Limited (“the Company”)
vCore Medical Plan (this “Plan”) Information Sheet
Page 11
(17) Any expense, regardless of any contributory cause(s), involving the use of or release or the threat thereof of any
nuclear weapon or device or chemical or biological agent, including but not limited to expenses in any way caused
or contributed to an Act of Terrorism or war.
(18) Any expense incurred for or as a result of any activity required from or on a ship or oil-rig platform, or at a similar
off-shore location.
(19) Any expense in respect of the User under Group 1 (group insurance) more than 75 years old and User under Group
2 (individual insurance) more than 70 at the date of intervention.
(20) Any expense which is a direct result of nuclear reaction or radiation.
Intl.SOS, at its sole discretion, will assist Users on a fee-for-service basis for interventions falling under the above
exceptions, subject to Intl.SOS receiving additional financial guarantees or indemnification from the Company and/or its
User(s) prior to rendering such services on a fee-for-service basis.
The information above is for reference only and none of the above is binding upon the Company or International SOS.
The service is provided by International SOS and it is not guaranteed renewable. The Company shall not be responsible for
any act or failure to act on the part of International SOS and the professionals. Details of the terms may be revised from
time to time without prior notice from the Company.
FWD Life Insurance Company (Bermuda) Limited (“the Company”)
vCore Medical Plan (this “Plan”) Information Sheet
Page 12
(iv) CANCIERGE
One Plan One Team One Stop Solution
Everyone would like to be along with a reliable partner, so as to focus on their recovery and enjoy life even when facing
any health problems. As your trusted partner, in addition to providing you with comprehensive medical protection, the
Company also customises dedicated health services especially for your needs. CANcierge <note 1> gives you priority
treatment from a professional health management team with a one stop approach, helping you when you needed help most.
You can relax with ease knowing the Company is there to take care of all aspects of your health.
Professional & Experienced Medical Team as your Partner
A professional medical service provider is undoubtedly your best option to provide prompt & suitable medical advice and
treatment. That’s why CANcierge <note 1> provides you with a dedicated network of specialists so that you could receive
the most suitable treatment from the best-suited doctor. With this professional team of experts as your guardian angel, you
can be hassle free even when facing with any illnesses or diseases.
Tailor-made Support and Hospitalisation Arrangement
CANcierge <note 1> always puts your interest first. Should you require hospitalization and / or treatment due to a cancer
as diagnosed by CANcierge’s doctor, the team of specialists will arrange for you to be admitted to hospital and received
tailor-made treatment, as well as provide follow-up consultation and supportive therapies. You can then continue to live
your life.
Let CANcierge be your partner in safeguarding your health!
CANcierge:
Hong Kong: (852) 8120 9066
Toll-free number for Mainland: 400 9303078
24-hour full support <note 2>
For any enquiries about Policy information, please contact your advisors or our customer service hotline 3123 3123.
Note:
The claimable amount of medical expenditure is subject to the benefits of this Plan and designated insurance basic
plans or rider (“Eligible Plans”), including but not limited to benefit items and benefit amounts.
Please seek doctor’s individual advice on appropriateness of any medical service to be provided. Doctors of HMG and
its healthcare network team are all individual healthcare personnel instead of employees or representatives of the
Company. The Company shall not be responsible for any act, negligence or omission of medical service or treatment
on the part of them.
You are required to consent to the Company, HMG and its healthcare network team, recording, sharing, using and
archiving your personal data in pursuance of CANcierge <note 1> being offered to you as well as for their training
and quality assurance purposes. Failure to provide the relevant personal data may result in the said service providers
being unable to provide the relevant services to you.
Remarks:
1. CANcierge, provided by HealthMutual Group Limited (“HMG”) and its healthcare network team, is not a part of
the Policy or benefit item under the Policy provisions and only applicable to this Plan. The Company reserves the
right to terminate or vary CANcierge in its sole discretion without further notice. The Company shall not be
responsible for any act, negligence or failure to act on the part of HMG and its healthcare network team.
CANcierge is only available in Hong Kong region.
2. This hotline is cooperated by HMG. Please note that this hotline is for non-emergency reservation of doctor
consultation instead of for emergencies.
The information above is for reference only and none of the above is binding upon the Company or HMG.
FWD Life Insurance Company (Bermuda) Limited (“the Company”)
vCore Medical Plan (this “Plan”) Information Sheet
Page 13
The service is provided by HMG and it is not guaranteed renewable. The Company shall not be responsible for any act or
failure to act on the part of HMG and the professionals. Details of the terms may be revised from time to time without prior
notice from the Company.
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