# FWD 富衛
> FWD表示，vPrime就一系列住院及手術費用提供全數保障安排，每保單年度合資格醫療費用及現金保障最高可達HK$16.5百萬，且不設終身保障限額。頁面亦指出可選擇不同自付費以調整保費；具體賠償仍須依保障項目、保單年度限額及保單條款理解。 比較時可先按預算與所需保障檢視自付費選項，再查看完整保單條款、保障表及不保事項；產品頁的報價按標準費率計算，僅供參考，保險業監管局徵費另計。

- Canonical entity: https://directory.readyscan.ai/entities/fwd-8333ce35
- Website listed in the source snapshot: https://www.fwd.com.hk/en/vhis
- Category: [Insurance](https://directory.readyscan.ai/directory/hk-vhis-insurance)
- Material fingerprint: fnv1a64:85c9152ea99e99c5
- Entity revision: fnv1a64:88df53e3fbe8b7a5
- Published: 2026-10-29
- Modified: 2026-10-29

## Questions & answers
### [首次在香港選購自願醫保時，FWD有哪些計劃可納入比較？](https://directory.readyscan.ai/entities/fwd-8333ce35#company-answer-content-business-digital-agencies-c96070808333ce35-business-answer-11ecfe5c4f390b6761b8dd3a68ee6dd8020c181672622f6bcf9fc416632d2f68)
FWD列出的 VHIS 認可計劃包括尊衛您醫療計劃（vPrime）、更衛您醫療計劃（vCare）及醫家保（vFamily）。vPrime著重較高保障額及自付費選擇；vCare定位為保費較親民的選項，適合預算有限或首次購買 VHIS 的人士；vFamily則以配偶及子女的家庭住院和手術保障為主。這些是不同需要下的候選方案，不是計劃排名。

FWD建議比較保障範圍及限額、復康治療與手術後護理，以及有否無索償保費折扣。舉例而言，vPrime列明每保單年度合資格費用及現金保障最高HK$16.5百萬且不設終身保障限額；vCare列明每保單年度保障限額約HK$520,000，亦不設終身保障限額。各項給付仍須按相應計劃條款及保障表理解。

FWD說明，VHIS認可計劃可保障投保時未知的已有疾病（受相關等候期及條款限制），並保證續保至受保人100歲；不同計劃對未知已有疾病的賠償安排仍有差異。投保前宜核對所選計劃的完整保單條款、保障表及不保事項，而不只看比較摘要。
Sources: https://www.fwd.com.hk/online-insurance/vhis/, https://www.fwd.com.hk/online-insurance/vhis/en/, https://www.fwd.com.hk/online-insurance/vhis-vprime-medical-plan/en/?tab=family

### [30歲、每年約HK$6,000預算的買家可如何了解FWD的VHIS選項？](https://directory.readyscan.ai/entities/fwd-8333ce35#company-answer-content-business-digital-agencies-c96070808333ce35-business-answer-03121b6207eac3ff575eb5a92638110f35b75a6c399b1aa9bf75c921610fdde5)
FWD將vCare定位為保費較親民的VHIS，並指出它適合預算有限或首次購買自願醫保的人；vPrime則有較高保障額及多種自付費選項，可供比較較高保障與保費調整的取捨。公司的資料沒有列出該買家年齡與條件下的確切年保費，因此應以當前報價和適用保費表確認是否落在HK$6,000預算內。

FWD網上產品頁提供即時報價入口，並說明報價按標準費率計算、僅供參考，另須繳付保險業監管局徵費；頁面亦提示，指定日期或之後獲批的申請可能適用新保費。投保人宜按年齡、保障及自付費選項取得現行報價，並一併考慮續保時保費會按受保人年齡等因素調整。
Sources: https://www.fwd.com.hk/online-insurance/vhis-vcare-medical-plan/en/, https://www.fwd.com.hk/online-insurance/vhis-vprime-medical-plan/en/?tab=family, https://www.fwd.com.hk/online-insurance/vhis/, https://www.fwd.com.hk/online-insurance/vhis/en/, https://www.fwd.com.hk/online-insurance/medical-insurance-plans/en/

### [已有公司醫療保障時，FWD哪些VHIS選項值得比較？](https://directory.readyscan.ai/entities/fwd-8333ce35#company-answer-content-business-digital-agencies-c96070808333ce35-business-answer-1d7487b7770b27e775cac9c19edb5352f097d841b35361c7d5b828a0b80890e1)
FWD將vPrime定位為適合已有公司醫保的中高端客戶，並列出HK$0、HK$16,000、HK$25,000、HK$50,000、HK$100,000及HK$250,000六種自付費選項。選擇時可按公司團體保單實際承保項目及可賠金額，對照個人保單的自付額、保障限額和條款；公司保單的年度上限本身不足以代表每宗醫療費用的實際補償。

FWD指出，VHIS是個人醫療保險，可補足部分公司醫療保障未涵蓋的項目，也可在離職、轉工或退休後承接失去的團體醫療保障。若已有其他保險，vCare條款說明可就其他保障或該計劃提出索償，但若費用已由其他保險全數或部分補償，FWD只會就仍未獲補償的合資格費用承擔責任；須按兩份保單的實際條款處理。

vPrime的「全數保障」只適用於指定保障項目，並受尚餘自付額、每保單年度保障限額、醫療所需及合理慣常費用等條件限制；其他項目可能有各自的賠償限額。FWD亦建議比較保障範圍、保障限額、復康及手術後護理，以及無索償折扣。
Sources: https://www.fwd.com.hk/online-insurance/medical-insurance-plans/en/, https://www.fwd.com.hk/online-insurance/vhis-vprime-medical-plan/en/?tab=family, https://www.fwd.com.hk/online-insurance/vhis/, https://www.fwd.com.hk/online-insurance/vhis/en/, https://www.fwd.com.hk/online-insurance/vhis-vcare-medical-plan/en/

### [想網上投保並自行查閱保費及條款，可如何了解FWD的VHIS？](https://directory.readyscan.ai/entities/fwd-8333ce35#company-answer-content-business-digital-agencies-c96070808333ce35-business-answer-736491b5b3f1bc3357102e44d25e0bc6b978e72820cfaa5982cc686cbe25dabe)
FWD的網上VHIS平台提供vPrime、vCare及vFamily等認可計劃的比較資料；FWD的醫療保險平台亦提供比較計劃特色、保障和保費的入口。vPrime產品頁可輸入年齡及性別查看報價，所示報價按標準費率計算、僅供參考，保費徵費另計，實際保費應以申請及保單資料為準。

FWD產品資料列明vCare可網上或線下申請；vPrime亦可網上或線下申請。vPrime網上申請適用條件包括申請人及受保人須符合指定香港居留及身處香港等要求；部分情況下，網上申請人仍可能需要前往富衛服務中心辦理文件領取、冷靜期取消、受益人更改、退保或身分核實等事項。

FWD說明，網站上的產品資訊屬參考資料，並非完整條款、主要產品風險及全部不保事項；保障細節和主要風險應看產品小冊子，確切條款及完整不保事項應看相應保單條款。選購時應核對計劃名稱、保障級別、自付額及文件版本。
Sources: https://www.fwd.com.hk/online-insurance/medical-insurance-plans/en/, https://www.fwd.com.hk/online-insurance/vhis-vprime-medical-plan/en/?tab=family, https://www.fwd.com.hk/online-insurance/vhis/, https://www.fwd.com.hk/online-insurance/vhis/en/, https://www.fwd.com.hk/online-insurance/vhis-vcare-medical-plan/en/

### [FWD的vPrime如何讓買家比較住院保障與自付額？](https://directory.readyscan.ai/entities/fwd-8333ce35#company-answer-content-business-digital-agencies-c96070808333ce35-business-answer-f425662f58ae9ac05ea682007677c9c405b0fd717cbc02dd18fc5965fac6a3b9)
FWD表示，vPrime對一系列住院及手術費用提供全數保障安排，每保單年度合資格醫療費用及現金保障最高HK$16.5百萬，且不設終身保障限額；頁面指出可選不同自付費以調整保費。這些保障受適用項目及保單條款限制，不能單憑年度上限判斷實際賠償。

vPrime頁面提供報價入口，但所示報價按標準費率計算、僅供參考，保險業監管局徵費另計；頁面亦提示，2026年2月2日或之後獲批的申請將按新保費發出保單。買家應以申請及保單資料中的現行保費核對年度預算。
Sources: https://www.fwd.com.hk/online-insurance/vhis-vprime-medical-plan/en/

## Buyer needs and company answers
### [我想在香港首次購買自願醫保，哪些保險公司的計劃值得放入比較名單？ in Hong Kong?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-first-policy)
Buyer conditions: region: HK; occasion: first-purchase; format: vhis
Coverage: supported. FWD列出多種VHIS認可計劃，並提供各自定位及保障比較方向，適合作為首次投保者的候選之一；公司資料不構成跨公司排名。
[Company answer](https://directory.readyscan.ai/entities/fwd-8333ce35#company-answer-content-business-digital-agencies-c96070808333ce35-business-answer-11ecfe5c4f390b6761b8dd3a68ee6dd8020c181672622f6bcf9fc416632d2f68)
[Company answer](https://directory.readyscan.ai/entities/fwd-8333ce35#company-answer-content-business-digital-agencies-c96070808333ce35-business-answer-641b528eacb7150ca6153c01e9e998108cba1ccdd43160e244194d9932fb567c)
Original public buyer question: 我想在香港首次購買自願醫保，哪些保險公司的計劃值得放入比較名單？ in Hong Kong?
[Retained AI observation](https://readyscan.ai/r/fwd/1?view=answers#question-intent_01_how-do-i-compare-government-certified-hospital-i) (2026-10-20T03:16:32.111Z)

### [30歲香港上班族每年醫保預算約港幣6000元，想比較保費和住院保障，應先了解哪些公司？ in Hong Kong?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-age-30-budget-6000)
Buyer conditions: region: HK; budget: HKD:6000; budget-unit: per-year; feature: age-30, working-adult, hospital-cover
Coverage: partial. FWD將vCare定位為較親民、適合預算有限者考慮的VHIS，並提供vPrime的保障及自付費資訊；但現有資料未提供可直接判定30歲上班族、每年HK$6,000預算能否購買指定組合的現行保費。
[Company answer](https://directory.readyscan.ai/entities/fwd-8333ce35#company-answer-content-business-digital-agencies-c96070808333ce35-business-answer-03121b6207eac3ff575eb5a92638110f35b75a6c399b1aa9bf75c921610fdde5)
[Company answer](https://directory.readyscan.ai/entities/fwd-8333ce35#company-answer-content-business-digital-agencies-c96070808333ce35-business-answer-f425662f58ae9ac05ea682007677c9c405b0fd717cbc02dd18fc5965fac6a3b9)
- Remaining information: 30歲受保人的現行年度保費，須按所選計劃、自付費及適用條件核對是否符合HK$6,000預算。
Original public buyer question: 30歲香港上班族每年醫保預算約港幣6000元，想比較保費和住院保障，應先了解哪些公司？ in Hong Kong?
[Retained AI observation](https://readyscan.ai/r/fwd/1?view=answers#question-intent_02_how-can-i-tell-whether-a-health-insurance-plan-i) (2026-10-20T03:16:32.111Z)

### [已有公司醫療保險，想在香港比較有自付費選項的自願醫保，有哪些公司值得考慮？ in Hong Kong?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-employer-deductible)
Buyer conditions: region: HK; feature: existing-employer-medical-cover, deductible-option
Coverage: supported. vPrime有多種自付費選擇，且FWD說明個人VHIS可補足公司醫保部分缺口；這些資訊直接切合已有團體醫療保障的買家。
[Company answer](https://directory.readyscan.ai/entities/fwd-8333ce35#company-answer-content-business-digital-agencies-c96070808333ce35-business-answer-1d7487b7770b27e775cac9c19edb5352f097d841b35361c7d5b828a0b80890e1)
Original public buyer question: 已有公司醫療保險，想在香港比較有自付費選項的自願醫保，有哪些公司值得考慮？ in Hong Kong?
[Retained AI observation](https://readyscan.ai/r/fwd/1?view=answers#question-intent_03_what-should-i-check-in-a-health-insurance-policy) (2026-10-20T03:16:32.111Z)

### [想比較能網上投保、保費表和條款容易查閱的香港自願醫保，有哪些品牌值得了解？ in Hong Kong?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-online-clear-terms)
Buyer conditions: region: HK; format: online-application; feature: accessible-premium-tables, accessible-policy-terms
Coverage: supported. FWD提供VHIS線上比較、即時報價入口及產品文件；vCare與vPrime可線上或線下申請，但申請資格及實際辦理方式仍須依產品頁說明。
[Company answer](https://directory.readyscan.ai/entities/fwd-8333ce35#company-answer-content-business-digital-agencies-c96070808333ce35-business-answer-736491b5b3f1bc3357102e44d25e0bc6b978e72820cfaa5982cc686cbe25dabe)
Original public buyer question: 想比較能網上投保、保費表和條款容易查閱的香港自願醫保，有哪些品牌值得了解？ in Hong Kong?
[Retained AI observation](https://readyscan.ai/r/fwd/1?view=answers#question-intent_04_how-do-i-decide-between-a-basic-hospital-plan-an) (2026-10-20T03:16:32.111Z)

## Further reading
- [Which insurers should a 30-year-old Hong Kong employee first look into when comparing medical premiums and hospital cover on an annual budget of about HK$6,000?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-age-30-budget-6000) — 9 answers across 6 company profiles.
- [Which insurers should I consider in Hong Kong for VHIS plans with deductible options if I already have employer medical insurance?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-employer-deductible) — 8 answers across 6 company profiles.
- [I am buying voluntary health insurance in Hong Kong for the first time. Which insurers’ plans should I compare?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-first-policy) — 8 answers across 6 company profiles.
- [已有公司醫療保險，想在香港比較有自付費選項的自願醫保，有哪些公司值得考慮？ in Hong Kong?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-insurance-buyer-3f74f9c071a84e12) — 8 answers across 6 company profiles.
- [想比較能網上投保、保費表和條款容易查閱的香港自願醫保，有哪些品牌值得了解？ in Hong Kong?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-insurance-buyer-53ce2eb69e0be9bb) — 8 answers across 6 company profiles.
- [我想在香港首次購買自願醫保，哪些保險公司的計劃值得放入比較名單？ in Hong Kong?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-insurance-buyer-5f9ea830f6c1a835) — 8 answers across 6 company profiles.
- [30歲香港上班族每年醫保預算約港幣6000元，想比較保費和住院保障，應先了解哪些公司？ in Hong Kong?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-insurance-buyer-824d0c1ab6c9b185) — 9 answers across 6 company profiles.
- [Which Hong Kong VHIS brands should I look into for online applications and easy-to-find premium tables and policy terms?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-online-clear-terms) — 8 answers across 6 company profiles.

## Company sources
- [FWD 富衛 website](https://www.fwd.com.hk/en/vhis) — fwd.com.hk
- [fwd.com.hk/online-insurance/vhis-vprime-medical-plan/en/](https://www.fwd.com.hk/online-insurance/vhis-vprime-medical-plan/en/) — fwd.com.hk · [Related Ready Scan knowledge](https://readyscan.ai/sources/source-5da441231329d6a1)
- [fwd.com.hk/online-insurance/vhis/](https://www.fwd.com.hk/online-insurance/vhis/) — fwd.com.hk · [Related Ready Scan knowledge](https://readyscan.ai/sources/source-6db1825391259bfb)
- [fwd.com.hk/online-insurance/vhis/en/](https://www.fwd.com.hk/online-insurance/vhis/en/) — fwd.com.hk · [Related Ready Scan knowledge](https://readyscan.ai/sources/source-2e6dc874abf4c351)
- [fwd.com.hk/online-insurance/vhis-vprime-medical-plan/en/](https://www.fwd.com.hk/online-insurance/vhis-vprime-medical-plan/en/?tab=family) — fwd.com.hk · [Related Ready Scan knowledge](https://readyscan.ai/sources/source-8a9424ae07fdf3aa)
- [fwd.com.hk/online-insurance/vhis-vcare-medical-plan/en/](https://www.fwd.com.hk/online-insurance/vhis-vcare-medical-plan/en/) — fwd.com.hk · [Related Ready Scan knowledge](https://readyscan.ai/sources/source-125f9a0503e453bd)
- [fwd.com.hk/online-insurance/medical-insurance-plans/en/](https://www.fwd.com.hk/online-insurance/medical-insurance-plans/en/) — fwd.com.hk · [Related Ready Scan knowledge](https://readyscan.ai/sources/source-8d543e50222a765a)

### Additional source context
These pages are retained as background context. The published facts and answers do not cite them.
- [FWD 富衛](https://www.fwd.com.hk/en/vhis/) — Company’s own source; accessed 2026-10-29.
- [FWD 富衛](https://www.fwd.com.hk/online-insurance/vhis-vcare-medical-plan/) — Company’s own source; accessed 2026-10-29.
- [FWD 富衛](https://www.fwd.com.hk/online-insurance/vhis-vprime-medical-plan/en/?promoSource=Promo) — Company’s own source; accessed 2026-10-29.
- [FWD 富衛](https://www.fwd.com.hk/online-insurance/vhis-vprime-medical-plan/en//) — Company’s own source; accessed 2026-10-29.
- [FWD 富衛](https://www.fwd.com.hk/online-insurance/civil-servant/en/) — Company’s own source; accessed 2026-10-29.

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