Healthcare Without Borders FWD Cross-Border Medical Plan Comprehensive Protection for Your Health

Over the past two years, the "war for talent" has intensified around the world. Many people have taken the opportunity to move abroad with their families so their children can study overseas, or actively expand their international business footprint to seize global opportunities, giving their children a better education and their families a better life. But as the saying goes, "while you are well, aim to be a world champion" — whenever and wherever, health is the greatest wealth, and health protection is an indispensable piece of life’s puzzle.

FWD's cross-border medical premier plan covers both inpatient and outpatient benefits; the combination allows policyholders to manage their health flexibly no matter where they are. 富衛「跨越‧無界醫療臻薈」 breaks geographic boundaries and provides flexible, comprehensive inpatient medical coverage, allowing people who frequently travel between Hong Kong and the Mainland, Hongkongers who have moved or plan to move abroad, and students or businesspeople studying or working overseas to look to the world with peace of mind. Paired with 富衛「大灣區智通行門診計劃」, you can build a comprehensive health safety net for yourself and your family, and those intending to retire in the Greater Bay Area can settle down with confidence. 

富衛「跨越‧無界醫療臻薈」 brings an innovative medical experience for people with cross-border medical needs, and with multiple flexible options it can more flexibly meet the needs of different individuals.

In an era of rapid change, life is full of transitions. At each stage we may have different ideas and different plans. When young, one may want to stay in Hong Kong to be with parents, but after starting a family one may choose to move around for better development or better education for their children. Regardless of where the insured resides, 富衛「跨越‧無界醫療臻薈」 keeps premium rates uniform under the same benefit level^1,2. Even if the insured later relocates overseas, works or studies abroad, they need not worry about paying extra premiums because of life changes.

Understanding that everyone has different needs at different stages of life, 富衛「跨越‧無界醫療臻薈」 offers 4 geographic coverage options¹, including Greater China³, Asia⁴, Worldwide excluding the United States, and Worldwide, while emergency treatment has no territorial limit¹. Coverage can extend up to standard private room level⁵, including standard single rooms in Mainland China hospitals⁶ (covering eligible rooms in special needs wards and international departments). 富衛「跨越‧無界醫療臻薈」 fully covers a range of hospitalization and surgical expenses⁷, with an annual benefit limit of up to HK$30,000,000 per policy year⁸, and no lifetime benefit limit and guaranteed renewability² until the insured is 101 years old (age at next birthday). To flexibly match premium budgets, 富衛「跨越‧無界醫療臻薈」 offers up to 6 co-payment⁹ (deductible) options, making it a top-up medical protection choice.

The insured can freely choose the geographic coverage¹ and co-payment⁹ based on their current needs and financial capability. For example, at the "fresh graduate" stage, an insured person's first choice may be a cost-effective comprehensive health protection, so they can choose the "Essence" benefit level to enjoy health coverage in the Greater China region³. As financial capacity improves, the insured may wish to obtain a better medical service experience and increase the family's ability to withstand risks; they can then exercise the one-time rights to "upgrade benefit level" and "one-time reduce/waive co-payment⁹" at the specified age without the need for re-underwriting, thereby enjoying more suitable medical protection.  

Life’s twists and turns can bring both joy and sorrow. There is currently a global trend of cancer affecting younger people, and the cost of cancer treatment is considerable—often hundreds of thousands or even millions. If misfortune strikes, it can upend life plans. Some exhaust their family’s savings for a sliver of hope; others lie back and accept fate, preferring to leave money to their families.

To allow policyholders to confidently receive the most advanced and appropriate treatments, 富衛「跨越‧無界醫療臻薈」 has upgraded its cancer coverage to fully reimburse⁷ the costs of specified non-surgical cancer treatments, including radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormone therapy. In addition to the annual benefit limit, 富衛「跨越‧無界醫療臻薈」provides additional coverage for specified non-surgical cancer treatments of up to HK$3,000,000 per policy year¹⁰. Even if the selected plan includes a co-payment⁹, the co-payment⁹ will be waived if the condition is a specified critical illness^11,12 (including but not limited to cancer, acute myocardial infarction, stroke).

In addition, 富衛「跨越‧無界醫療臻薈」 also offers a new Phase III clinical trial drug benefit¹¹, allowing patients with stage III and IV specified cancers and incurable malignant haematological tumours to receive the latest cancer treatments without worrying about high drug costs.

The fight against cancer has never been easy. FWD Hong Kong hopes to stand shoulder to shoulder with policyholders. Therefore, FWD Hong Kong has deepened its cooperation with the Hong Kong Sanatorium & Hospital Group to launch the “Cross-border Cancer Management Programme”¹³, with the Hong Kong Sanatorium providing free second medical opinion assessment services and collaborating with designated mainland hospitals to conduct cross-border online doctor conferences for cancer, offering policyholders the best cancer treatment plans and arranging a dedicated nurse to coordinate the treatment plan.

As the standard and technology of medical care in the Mainland improve, "going north for medical treatment" has become the choice of more and more people. However, whether seeking treatment in the Mainland or elsewhere, a lack of understanding about the level of local medical institutions, medical policies, and treatment procedures can make the path to care fraught with difficulties and leave people feeling uncertain.

To address the various concerns of insured persons and their families, FWD Care has set up a one-stop VIP healthcare service — the Noblecare Premier Elite Medical Management Team¹³, enhancing your healthcare experience through FWD’s global medical network. In addition, FWD Care’s Mainland China exclusive services¹³ offer an international VIP channel through a partner network of over 300 Mainland Class A tertiary hospitals, assisting insured persons with appointments and hospital admission procedures so they can access quality medical services more quickly and enjoy dedicated medical escort services. At the same time, a cashless discharge service is provided at all Mainland Class A tertiary hospitals¹⁴, saving the hassle of admission registration and claims procedures so insured persons can focus on treatment and recovery.

Of course, comprehensive protection should not only take care of insured persons’ physical health but also cover mental health and consider their long-term needs. To safeguard insured persons’ physical and mental wellbeing, they can receive six free emotional health counselling sessions per year in the Mainland, either by phone or face-to-face, to obtain emotional support. If an insured person is diagnosed with one of the specified 68 major critical illnesses, they can further enjoy Mainland elderly home-care services, including emotional health counselling for seniors, professional nursing and rehabilitation guidance services, and premium health-care nursing services. 

The Greater Bay Area exchanges are becoming increasingly frequent, and Hongkongers going north or to Macau for work and life is no longer new. Likewise, under the Hong Kong Government’s proactive talent recruitment initiatives, there will be more mainland talent travelling to and from Hong Kong. To facilitate medical care for people who frequently travel among the three places, FWD Hong Kong has launched a cross-border outpatient protection plan — 富衛「大灣區智通行門診計劃」 (hereinafter the “Outpatient Plan”), allowing insured persons to access a top-tier medical network covering Hong Kong, designated mainland GBA cities (currently Guangzhou, Shenzhen, Zhuhai, Foshan, Dongguan and Zhongshan)¹⁵ and Macau, providing multi-faceted protection for the insured from prevention, diagnosis and treatment to rehabilitation.

The “Outpatient Plan” is the first to introduce the family protection concept¹⁶. In addition to offering three individual plan levels, it also offers two family plan levels, allowing three generations to share protection under a single policy (number of family members¹⁷ is not limited), safeguarding the whole family’s physical and mental health with one premium.

The “Outpatient Plan” covers three types of consultation services¹⁸, including face-to-face and online consultations with general practitioners (including basic medication for up to 3 days per consultation¹⁹), face-to-face consultations with Chinese medicine practitioners²⁰, and psychiatric consultations²¹, making it easy to protect both physical and mental health. Insured persons can select and book GPs and Chinese medicine practitioners via the appointment platform; the GP online consultation service also offers medication delivery^22,23, which is suitable for busy insured persons. At the same time, if no prescription medication is required after an online consultation, the co-payment²⁴ will be waived — a market first¹⁶.

In addition to the above coverages, the “Outpatient Plan” also provides various preventive screening benefits, including health checkups²⁵, dental care²⁵ (routine oral examinations, cleaning and polishing for prevention), laboratory tests and diagnostic imaging^20,26, as well as a market-first¹⁶ colonoscopy service²⁵.  

Market first¹⁶

One policy provides protection for three generations (no limit on the number of family members¹⁷) 

Using Family Plan A* as an example, the annual premium is only HK$4,800^, and all family members¹⁷ can share the designated benefits¹⁸.

Each family member¹⁷ is also entitled to two^@ dental treatments²⁵ per policy year.

*The policy owner and the insured must be the same person; not applicable to ages 1–18 (age next birthday). Regardless of the number of family members, the premium remains the same.
^This premium table does not include the premium levy imposed by the Insurance Authority.
@One visit in Hong Kong or Macau and one visit in designated Mainland Greater Bay Area cities. 

By 30 September 2025, successful subscription to 富衛「跨越‧無界醫療臻薈」 is eligible to receive a 3-month premium discount in the first policy year; by 30 September 2025, successful subscription to 富衛「大灣區智通行門診計劃」 is eligible to receive a 2-month premium discount in the second policy year. Offers are subject to terms and conditions; please refer to the relevant promotional terms for details. 

Note:
1. FWD reserves the right to re-underwrite the terms and benefits of the relevant plan and adjust the applicable premiums due to changes in the insured person's residence or occupation. Please notify FWD of any change in residence or occupation.
2. FWD will renew each policy on every policy anniversary until the insured reaches age 101 (age at next birthday), provided that renewal meets the provisions of the renewal clause under the relevant plan's terms and benefits. FWD reserves the right upon renewal to re-underwrite the terms and benefits of the relevant plan due to changes in the insured person's residence or occupation. When re-underwriting, FWD may only consider factors related to changes in the insured person's residence or occupation. The outcome of re-underwriting may be favorable or unfavorable to the policyowner and the insured.
3. Greater China refers to Hong Kong, Macau, Mainland China and Taiwan.
4. Asia includes Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, Mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam.
5. Benefits under the plan are subject to the room-class selection limits as set out in the plan terms and benefits’ supplementary document – Compensation Limits Part 1 Section 3. These limitations do not apply to benefits described in the policy terms’ appendix – Benefits Outside Applicable Coverage: Non-Emergency Treatment table.
6. Applicable only to public hospitals listed in the designated Mainland China hospital list. The designated Mainland China hospital list will be published on FWD’s webpage (www.fwd.com.hk/zh/support/medical-support).
7. "Full coverage" means there is no sub-limit per item and refers to the actual amount of eligible charges and other charges after deduction of any remaining deductible (if applicable), and is subject to the annual benefit limit. Full coverage applies only to specified benefit items; other benefit items are not fully covered and are subject to their respective benefit limits. For details, please refer to the benefit schedule and policy terms of the relevant product. Full coverage is limited to reasonable and customary charges or expenses incurred for medically necessary services. Please refer to the "Key Definitions" section of the relevant product brochure for the definitions of "medically necessary" and "reasonable and customary".
8. The annual benefit limits for different benefit levels are: 臻粹 (HK$18,000,000), 標準 (HK$22,000,000), 特等 (HK$26,000,000) and 優等 (HK$30,000,000).
9. Deductible refers to the fixed amount of eligible charges or costs that the policyowner must bear in each policy year before FWD pays the remaining eligible charges or costs.
10. The additional benefits for specified non-surgical cancer treatment, renal dialysis and organ or bone marrow transplant for different benefit levels are: 臻粹 and 標準 (HK$2,000,000), 特等 (HK$2,500,000) and 優等 (HK$3,000,000).
11. FWD may require proof of the related medical recommendation, such as a referral letter or a statement provided by the attending physician or a registered medical practitioner in the claim application form.
12. For details of the benefits, including the definition of specified critical illnesses, please refer to the supplementary document – Full Benefit for Specified Critical Illnesses – Waiver of Deductible – in the policy terms of the relevant plan.
13. Health support services are provided by third-party service providers and renewal is not guaranteed. FWD reserves the right to modify, suspend or terminate the services without prior notice.
14. The "cashless service" is an administrative arrangement to advance payment for covered expenses incurred by the insured during hospitalization, and is not part of the policy benefits of the designated insurance plan and is not guaranteed to be successful. FWD may revoke or adjust this service at any time without prior notice and reserves absolute discretion. After successful arrangement of the cashless service, FWD will pay the hospital on behalf of the insured for medical expenses. If there remains a deductible balance on the policy (if applicable), the policyholder must pay that balance upon admission. If the advanced medical expenses exceed the benefit limit, FWD will charge the policyholder the excess amount.
15. FWD may change the city list from time to time without prior notice.
16. Comparison made by FWD on 14 April 2025 between FWD and major local life insurers’ individual outpatient plans in Hong Kong.
17. Family members are only applicable when the plan level is Family Plan A or Family Plan B. During the policy period, family members refer to the policyowner’s spouse, parents or children, or the policyowner’s spouse’s parents, as nominated by the policyowner under clause 4.1.4 of the policy terms. FWD will provide written confirmation of the policyowner’s nomination.
18. For the territorial limits of each benefit, please refer to the policy terms of the relevant product.
19. Excludes long-term medication for chronic conditions.
20. Applicable only to designated Mainland Greater Bay Area cities and requires referral by a doctor within the medical network.
21. This service applies to insureds/users receiving outpatient consultations conducted by a psychiatrist purely for emotional disorders in Mainland China, Hong Kong or Macau; in Mainland China consultations are limited to hospital outpatient departments. For details on waiting periods, please refer to the policy terms of the relevant plan.
22. For online consultations, the insured/user must be in the same region as the clinic of the doctor providing the online consultation (i.e., Hong Kong or any one designated Mainland Greater Bay Area city, as applicable).
23. Prescribed medication (if any) will be delivered to an address in the same region where the insured/user received the relevant general practitioner online consultation.
24. "Out-of-pocket payment" refers to the amount the policyowner must pay to the medical network for the relevant healthcare services, dental care or colonoscopy services received by the insured/user. The deductible waiver refers to the out-of-pocket payment under item 1(b) of the benefit schedule in the relevant product brochure – General Practitioner Online Consultation with Medicine Delivery (including basic medicines for up to 3 days per consultation).
25. This benefit is subject to the terms and conditions listed in the redemption voucher at the time of redemption.
26. The specified list applies to laboratory tests and diagnostic imaging. FWD and the medical network reserve the right to amend the specified list from time to time without prior notice. Tests specified by the insured/user are not accepted.

Disclaimer

This promotional material is sponsored by FWD and provided for general reference only. The above product information does not include the full terms of the policy and is subject to the terms and conditions of the relevant plans. For details of the above product features, benefits and the full terms, exclusions and major product risks, please refer to FWD’s website, the relevant product brochure and the policy terms. Any promotional offers or marketing materials should be read together with the relevant product brochure. Customers must successfully pass a financial needs analysis to determine whether the recommended insurance product meets their insurance needs.

Last updated: 10 June 2025.

This English version of this article has been generated by machine translation powered by AI. It is provided solely for reference purposes. In the event of any discrepancy or inconsistency between this translation and the original Chinese version, the Chinese version shall prevail.