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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



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


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


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)



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.



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


750 per day

(d) Specialist’s fee <Note 3> 4,300 per Policy Year

(e) Intensive care


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



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.



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.



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.



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.



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.



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)



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.



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.



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.



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.



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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