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FWD
vCare Supreme Medical Plan

WardVHIS Flexi$0 DeductibleGlobal
9.1/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
90.7%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
$4,104
Age 35 male
10Life Rating
Estimated Average Coverage
First Year Premium
$4,680
Average premium for male age 35 to 44
Avg. Premium

Overview

Estimated Coverage of selected Diseases

Benefit Limits (Base Plan)

Supplementary Major Medical Benefits

Other

Average Annual Premium

Overview

Estimated Coverage of selected Diseases

Benefit Limits (Base Plan)

Supplementary Major Medical Benefits

Other

Average Annual Premium

10Life Ratings
9.1 / 10
Avg. Premium
$4,680
Deductible
$0 Deductible
Base Plan Limit
$520,000 per policy year
Include SMM
SMM co-pay
15%
SMM general limits
$100,000 per policy year
Average Coverage
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
90.7 %
Minor cases - Fever requiring hospitalisation
97.3 %
  • Estimated Total Bill
  • $21,600
  • Estimated Coverage
  • $21,025
  • Estimated Out of Pocket
  • $575
    Minor cases - Hemorrhoid Surgery
    97.6 %
  • Estimated Total Bill
  • $45,600
  • Estimated Coverage
  • $44,508
  • Estimated Out of Pocket
  • $1,093
    Minor Cases - Colonoscopy (Day Case)
    96.6 %
  • Estimated Total Bill
  • $18,100
  • Estimated Coverage
  • $17,476
  • Estimated Out of Pocket
  • $624
    Cancer - Breast cancer requiring surgery only
    90.6 %
  • Estimated Total Bill
  • $170,536
  • Estimated Coverage
  • $154,458
  • Estimated Out of Pocket
  • $16,078
    Cancer - Lung cancer requiring surgery only
    92.8 %
  • Estimated Total Bill
  • $275,158
  • Estimated Coverage
  • $255,354
  • Estimated Out of Pocket
  • $19,804
    Complex Cancer - Colon Cancer with Surgery and Chemotherapy
    95.5 %
  • Estimated Total Bill
  • $348,984
  • Estimated Coverage
  • $333,132
  • Estimated Out of Pocket
  • $15,852
    Complex Cancer - Liver Cancer with Surgery and Targeted Therapy
    89.0 %
  • Estimated Total Bill
  • $482,700
  • Estimated Coverage
  • $429,480
  • Estimated Out of Pocket
  • $53,220
    Vascular Diseases - Angioplasty and Stent Placement
    73.8 %
  • Estimated Total Bill
  • $217,813
  • Estimated Coverage
  • $160,720
  • Estimated Out of Pocket
  • $57,093
    Vascular Diseases - Stroke
    89.6 %
  • Estimated Total Bill
  • $95,600
  • Estimated Coverage
  • $85,625
  • Estimated Out of Pocket
  • $9,975
    Vascular Diseases - Requiring outpatient hemodialysis
    80.0 %
  • Estimated Total Bill
  • $316,000
  • Estimated Coverage
  • $252,900
  • Estimated Out of Pocket
  • $63,100
    Injury - Anterior cruciate ligament surgery
    92.4 %
  • Estimated Total Bill
  • $106,900
  • Estimated Coverage
  • $98,823
  • Estimated Out of Pocket
  • $8,078
    Injury - Total knee replacement
    92.9 %
  • Estimated Total Bill
  • $196,200
  • Estimated Coverage
  • $182,213
  • Estimated Out of Pocket
  • $13,988
    Coverage Limit
    $520,000 per policy year
    Life Time Limit
    Unlimited
    Room and board
  • Per day
  • $850
  • Maximum numbers of days
  • 180 days per policy year
    Miscellaneous charges
  • Miscellaneous charges limits
  • $14,500 per policy year
    Attending doctor's visit fee
  • Per day
  • $850
  • Maximum numbers of days
  • 180 days per policy year
    Specialist's fee
  • Limit
  • $6,000 per policy year
    Intensive Care
  • Per day
  • $4,500
  • Maximum numbers of days
  • 25 days per policy year
  • Limit
  • Subject to per day and maximum number of days limits
    Surgeon's fee
  • Surgeon Fees - Maximum Limit Per Surgery
  • $70,000
  • Hemorrhoid Surgery
  • $15,000
  • Colonoscopy with polypectomy
  • $6,500
  • Right radical mastectomy
  • $30,000
  • Right lobectomy of lung
  • $70,000
  • Colonoscopy & Hemi-Colectomy
  • $76,500
  • Segmentectomy of liver
  • $70,000
  • Angioplasty with stent
  • $30,000
  • Arthroscopic Anterior Cruciate Ligament
  • $30,000
  • Total knee replacement
  • $70,000
  • Multiple Surgery - 2nd surgery payment %
  • 100%
    Anaesthetist's fee
  • Limit
  • 35% of surgeon`s fee actually payable or 35% of the benefit limit for the surgeon`s fee according to the surgical categorisation, whichever is the lower
    Operating theatre charges
  • Limit
  • 35% of surgeon`s fee actually payable or 35% of the benefit limit for the surgeon`s fee according to the surgical categorisation, whichever is the lower
    Prescribed Diagnostic Imaging Tests
  • Limit
  • $20,000, subject to 30% coinsurance
    Prescribed Non-surgical Cancer Treatments
  • Limit
  • $170,000
    Pre- and post-Confinement/Day Case Procedure outpatient care
  • Per day
  • $580
  • Maximum numbers of days
  • 1 pre-admission and 6 post-hospitalization clinic visits
  • Limit
  • $6,000, per policy year
    Psychiatric treatments
  • Limit
  • $30,000
    Other coverage
  • Physiotherapy post-confinement
  • Covered under Pre-admission and Post-hospitalisation Out-patient Care
  • Home nursing
  • 30 days (Max.$800 Per day)
  • Outpatient dialysis
  • $250,000
    Co-payment
    15%
    General Limit
    $100,000 per policy year
    Lifetime Limit
    Unlimited
    Room and board
    Miscellaneous charges
    Attending doctor's visit fee
    Specialist's fee
    Intensive Care
    Surgeon's fees
    Anaesthetist's fee
    Operating Theatre Charges
    Prescribed Diagnostic Imaging Tests
    Prescribed Non-surgical Cancer Treatments
    Compassionate death benefit
    $15,000
    No Claim Discount on Premium/Deductible
    Premium discount: 10% after 2 years, 15% after 5 years
    Free Health Check up
    n/a
    Other Product Features/Terms
    Additional accidental death benefit: $15,000; Day surgery cash allowance: $500 per day case procedure; Second claim bonus: $500 per day, max 60 days
    Age 0 to 12
    $3,426
  • Age 0
  • $5,544
  • Age 1
  • $5,544
  • Age 2
  • $5,544
  • Age 3
  • $5,544
  • Age 4
  • $2,485
  • Age 5
  • $2,485
  • Age 6
  • $2,485
  • Age 7
  • $2,485
  • Age 8
  • $2,485
  • Age 9
  • $2,485
  • Age 10
  • $2,485
  • Age 11
  • $2,485
  • Age 12
  • $2,485
    Age 13 to 18
    $2,608
  • Age 13
  • $2,485
  • Age 14
  • $2,485
  • Age 15
  • $2,555
  • Age 16
  • $2,687
  • Age 17
  • $2,712
  • Age 18
  • $2,726
    Age 19 to 24
    $2,854
  • Age 19
  • $2,744
  • Age 20
  • $2,786
  • Age 21
  • $2,799
  • Age 22
  • $2,858
  • Age 23
  • $2,918
  • Age 24
  • $3,017
    Age 25 to 34
    $3,523
  • Age 25
  • $3,101
  • Age 26
  • $3,179
  • Age 27
  • $3,289
  • Age 28
  • $3,369
  • Age 29
  • $3,485
  • Age 30
  • $3,566
  • Age 31
  • $3,653
  • Age 32
  • $3,736
  • Age 33
  • $3,852
  • Age 34
  • $3,998
    Age 35 to 44
    $4,680
  • Age 35
  • $4,104
  • Age 36
  • $4,171
  • Age 37
  • $4,305
  • Age 38
  • $4,436
  • Age 39
  • $4,503
  • Age 40
  • $4,685
  • Age 41
  • $4,800
  • Age 42
  • $5,015
  • Age 43
  • $5,255
  • Age 44
  • $5,525
    Age 45 to 54
    $7,199
  • Age 45
  • $5,796
  • Age 46
  • $6,063
  • Age 47
  • $6,326
  • Age 48
  • $6,634
  • Age 49
  • $6,885
  • Age 50
  • $7,220
  • Age 51
  • $7,636
  • Age 52
  • $8,035
  • Age 53
  • $8,459
  • Age 54
  • $8,938
    Age 55 to 64
    $11,947
  • Guaranteed Yearly Income at Age 55
  • $9,462
  • Age 56
  • $9,884
  • Age 57
  • $10,407
  • Age 58
  • $10,932
  • Age 59
  • $11,513
  • Age 60
  • $12,045
  • Age 61
  • $12,716
  • Age 62
  • $13,403
  • Age 63
  • $14,110
  • Age 64
  • $14,993
    Age 65 to 74
    $20,160
  • Age 65
  • $15,820
  • Age 66
  • $16,698
  • Age 67
  • $17,631
  • Age 68
  • $18,610
  • Age 69
  • $19,633
  • Age 70
  • $20,674
  • Age 71
  • $21,723
  • Age 72
  • $22,778
  • Age 73
  • $23,616
  • Age 74
  • $24,415
    Age 75 to 84
    $29,827
  • Age 75
  • $25,402
  • Age 76
  • $26,528
  • Age 77
  • $27,526
  • Age 78
  • $28,298
  • Age 79
  • $29,078
  • Age 80
  • $30,143
  • Age 81
  • $31,217*
  • Age 82
  • $32,264*
  • Age 83
  • $33,360*
  • Age 84
  • $34,454*
    Age 85 to 94
    $39,843
  • Age 85
  • $35,581*
  • Age 86
  • $36,640*
  • Age 87
  • $37,728*
  • Age 88
  • $38,812*
  • Age 89
  • $39,767*
  • Age 90
  • $40,621*
  • Age 91
  • $41,499*
  • Age 92
  • $42,128*
  • Age 93
  • $42,592*
  • Age 94
  • $43,065*
    Age 95 to 100
    $44,495
  • Age 95
  • $43,536*
  • Age 96
  • $44,007*
  • Age 97
  • $44,492*
  • Age 98
  • $44,994*
  • Age 99
  • $45,448*
  • Age 100
  • -
    *For renewal only
    Remarks:

    1. The above premium excludes insurance levy collected by the Insurance Authority.
    2. The information on 10Life is intended for general education purpose and reference only, and does not constitute any insurance, financial, investment or other professional purchase advice or solicitation to buy insurance, financial or investment products. 10Life Product Ratings and Scores are mathematical calculations based on public product information and assumptions for generic customer segments. The Product Ratings and Scores DO NOT reflect YOUR personal needs. 10Life hereby excludes any liability arising from using the information and will not make warranty or guarantee on the accuracy, completeness and timeliness of the information or for any claims and / or losses caused thereby. You should seek independent professional advice and review the insurance product information carefully before purchasing any insurance products. The information shown in the communications placed on 10Life does not constitute an offer or solicitation for the purchase or sale of any banking or insurance products or services.
    3. 10Life Insurance Product Ratings are based on facts and data, and are not be influenced by any partnerships with insurance companies.

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