• Annual benefit limit up to HK$50M. Unlimited Lifetime claims. Enjoy cashless hospitalization service for treatment in standard private rooms in up to 7,000+ hospitals in Asia or worldwide.
• Full cover for all cancer surgery expenses and treatments On top of common cancer treatment such as chemotherapy and radiotherapy, Elite also covers expenses of targeted therapy, proton therapy, and the use of gamma knife and cyberknife, and all related outpatient expenses within 30 days before or 365 days after confinement or day case procedure.
• Deductible options to suit your budget
• HK$2,000 per day of hospital cash
• Guaranteed renewal and a free health check upon renewal. Annual benefit limit will reset to HK$50M regardless of claims record each year.

• Enroll in Cigna HealthFirst Elite Medical Plan together with your children and you will enjoy 50% off their insurance premiums every year until they reach 18
• Promotion till 31 January 2023

Relevant Information

           Please click Here to download product brochure

• Annual benefit limit up to HK$50M. Unlimited Lifetime claims. Enjoy cashless hospitalization service for treatment in standard private rooms in up to 7,000+ hospitals in Asia or worldwide.
• Full cover for all cancer surgery expenses and treatments On top of common cancer treatment such as chemotherapy and radiotherapy, Elite also covers expenses of targeted therapy, proton therapy, and the use of gamma knife and cyberknife, and all related outpatient expenses within 30 days before or 365 days after confinement or day case procedure.
• Deductible options to suit your budget
• HK$2,000 per day of hospital cash
• Guaranteed renewal and a free health check upon renewal. Annual benefit limit will reset to HK$50M regardless of claims record each year.

• Enroll in Cigna HealthFirst Elite Medical Plan together with your children and you will enjoy 50% off their insurance premiums every year until they reach 18
• Promotion till 31 January 2023

Relevant Information

           Please click Here to download product brochure

• Annual benefit limit up to HK$50M. Unlimited Lifetime claims. Enjoy cashless hospitalization service for treatment in standard private rooms in up to 7,000+ hospitals in Asia or worldwide.
• Full cover for all cancer surgery expenses and treatments On top of common cancer treatment such as chemotherapy and radiotherapy, Elite also covers expenses of targeted therapy, proton therapy, and the use of gamma knife and cyberknife, and all related outpatient expenses within 30 days before or 365 days after confinement or day case procedure.
• Deductible options to suit your budget
• HK$2,000 per day of hospital cash
• Guaranteed renewal and a free health check upon renewal. Annual benefit limit will reset to HK$50M regardless of claims record each year.

• Enroll in Cigna HealthFirst Elite Medical Plan together with your children and you will enjoy 50% off their insurance premiums every year until they reach 18
• Promotion till 31 January 2023

Relevant Information

           Please click Here to download product brochure

• Annual benefit limit up to HK$35 million per year Treatment expenses include lung disease, cirrhosis, stroke & prescribed diagnostic imaging tests (e.g. MRI and CT scans). Treatment received in Asia, Australia and New Zealand
• Full cover for all eligible cancer surgery expenses and treatments Such as chemotherapy or targeted therapy and all related outpatient expenses within 90 days before and 365 days after confinement or day case procedure
• 4 deductible options are available. Deductible for related treatments will be waived if you’re diagnosed with cancer
• Supplementary Critical Illness Benefit cover up to 98% critical illness Including cancer, heart attack, stroke. Extra living expenses up to HK$330,000

• Apply on or before 31 January 2023 to get discounts worth up to 50% of first-year premiums!
  From now to 31 January 2023 (both dates inclusive), get discounts worth up to 50% of first-year premiums. Enrol with deductible option of the first policy year with $0 or $12,000; Premium paid on an annual basis for the first 3 policy years; The eligible premium discount in the second policy year will be offered to new customer provided that no claim under the certified plan is paid or payable during the first policy year. The eligible premium discount in the third policy year will be offered to new customer provided that no claim under the certified plan is paid or payable during the first and second policy years.

+ The Eligible Scheme must come into effect on 1 February 2023 with annual premium payment paid.

           Please click here to download the product brochure.

           Please click here for the policy provision.

Product Highlights

The one plan that opens a world of privileged medical services

• Full cover for a series of hospitalisation and surgical expenses in Standard Private Room
• Annual Benefit Limit of up to HKD 35 million^~ and without Lifetime Benefit Limit
• Various territorial scope of cover and with 6 deductible options  (including HKD 250,000 deductible option which is first-in-VHIS-market^)
• First-dollar coverage -Deductible waived for designated crises (including Cancer, Heart Attack and Stroke) (if applicable) which is first-in-VHIS-market^
• Additional benefit for Prescribed Non-surgical Cancer Treatment, kidney dialysis and organ or bone marrow transplantation
• 5 cash benefits, including (i) cash benefit for major and complex surgeries and (ii) cash benefit for Confinement in Intensive Care Unit in Hong Kong which are first-in-VHIS-market^
• Option to reduce or remove your deductible once per lifetime and / or [First-in-VHIS-market^] upgrade your benefit level once per lifetime at designated ages without providing further proof of your health condition
• Dementia Support Program and MINDcierge service which are first-in-VHIS-market^

• Guaranteed Renewable up to Age 100 (attained age) of the Insured Person
• Individual and extra no claims premium discount available up to 25%
• Covers unknown Pre-existing Conditions⁺ starting from the 31st day of the first policy year

• vTheOne Medical Plan meets Government's regulatory standards. And if you are a Hong Kong taxpayer, you can claim tax deductions of up to HKD8,000 per insured person for the premium(s) paid for yourself and/or your specified relatives per assessment year^@

           Please click here for the product brochure.

           Please click here for the product provision.

The above is FWD-sponsored content with information provided by FWD. 10Life is not authorized by FWD to process and/or provide any insurance-related products and/or services, and shall not provide any opinions or advice on insurance. Readers shall evaluate information herein on their own or seek advice from independent experts. The product information in this website is for reference only and does not contain the full terms and conditions, key product risks and full list of exclusions of the policy. For the details of benefits and key product risks, please refer to the product brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the plan.

vTheOne Medical Plan (VHIS Plan Certification Number: F00067) is a Flexi Plan certified by the Hong Kong Special Administrative Region Government under Voluntary Health Insurance Scheme (“VHIS”) and is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability)(VHIS provider registration number is 00036).

*Premium discounts for the 2^nd and 3^rd policy year are only applicable to HKD120,000 / HKD250,000 Deductible option

^~HKD 35 million Annual Benefit Limit is applicable to Standard Plus.

^Per a comparison made by FWD on 11 July 2022 among the VHIS medical plans of key insurers available in Hong Kong.

⁺Congenital Condition is only covered for condition which has manifested or been diagnosed after the Age of 8 (attained age) of the Insured Person.

^@Tax deduction is subject to the latest rules and regulations of Inland Revenue Department of HKSAR. Applicant can apply a tax deduction for the premium actually paid. Further information on tax concessions applicable to VHIS may be found in IRD’s website at www.ird.gov.hk/eng and VHIS (www.vhis.gov.hk/en/). FWD and the intermediaries do not provide tax advice. You should always consult with a professional tax advisor if you have any doubts.

^# Premium is calculated after discount of first year premium.

Product Highlights

The one plan that opens a world of privileged medical services

• Full cover for a series of hospitalisation and surgical expenses in Standard Private Room
• Annual Benefit Limit of up to HKD 35 million^~ and without Lifetime Benefit Limit
• Various territorial scope of cover and with 6 deductible options  (including HKD 250,000 deductible option which is first-in-VHIS-market^)
• First-dollar coverage -Deductible waived for designated crises (including Cancer, Heart Attack and Stroke) (if applicable) which is first-in-VHIS-market^
• Additional benefit for Prescribed Non-surgical Cancer Treatment, kidney dialysis and organ or bone marrow transplantation
• 5 cash benefits, including (i) cash benefit for major and complex surgeries and (ii) cash benefit for Confinement in Intensive Care Unit in Hong Kong which are first-in-VHIS-market^
• Option to reduce or remove your deductible once per lifetime and / or [First-in-VHIS-market^] upgrade your benefit level once per lifetime at designated ages without providing further proof of your health condition
• Dementia Support Program and MINDcierge service which are first-in-VHIS-market^

• Guaranteed Renewable up to Age 100 (attained age) of the Insured Person
• Individual and extra no claims premium discount available up to 25%
• Covers unknown Pre-existing Conditions⁺ starting from the 31st day of the first policy year

• vTheOne Medical Plan meets Government's regulatory standards. And if you are a Hong Kong taxpayer, you can claim tax deductions of up to HKD8,000 per insured person for the premium(s) paid for yourself and/or your specified relatives per assessment year^@

           Please click here for the product brochure.

           Please click here for the product provision.

The above is FWD-sponsored content with information provided by FWD. 10Life is not authorized by FWD to process and/or provide any insurance-related products and/or services, and shall not provide any opinions or advice on insurance. Readers shall evaluate information herein on their own or seek advice from independent experts. The product information in this website is for reference only and does not contain the full terms and conditions, key product risks and full list of exclusions of the policy. For the details of benefits and key product risks, please refer to the product brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the plan.

vTheOne Medical Plan (VHIS Plan Certification Number: F00067) is a Flexi Plan certified by the Hong Kong Special Administrative Region Government under Voluntary Health Insurance Scheme (“VHIS”) and is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability)(VHIS provider registration number is 00036).

*Premium discounts for the 2^nd and 3^rd policy year are only applicable to HKD120,000 / HKD250,000 Deductible option

^~HKD 35 million Annual Benefit Limit is applicable to Standard Plus.

^Per a comparison made by FWD on 11 July 2022 among the VHIS medical plans of key insurers available in Hong Kong.

⁺Congenital Condition is only covered for condition which has manifested or been diagnosed after the Age of 8 (attained age) of the Insured Person.

^@Tax deduction is subject to the latest rules and regulations of Inland Revenue Department of HKSAR. Applicant can apply a tax deduction for the premium actually paid. Further information on tax concessions applicable to VHIS may be found in IRD’s website at www.ird.gov.hk/eng and VHIS (www.vhis.gov.hk/en/). FWD and the intermediaries do not provide tax advice. You should always consult with a professional tax advisor if you have any doubts.

^# Premium is calculated after discount of first year premium.