vPrime Medical Plan

The Plan provides full cover¹ on medical expenses incurred for a series of hospitalisation and surgery. Without Lifetime Benefit Limit, the Plan entitles you to reimbursements of the Eligible Expenses and cash benefits, up to HKD12,500,000 per Policy Year. In addition, whenever and wherever you require Emergency medical attention, the Plan will offer full cover¹ on the eligible medical expenses, including Emergency outpatient accidental treatment and Emergency outpatient dental treatment².

The Plan provides full cover¹ on a wide range of medical expenses, including Prescribed Non-surgical Cancer Treatments³, kidney dialysis⁴ (including the rental cost of a kidney dialysis machine for use at home) and organ or bone marrow transplantation. On top of the Annual Benefit Limit, you are entitled to an additional benefit limit for these three kinds of treatments of up to HKD1,500,000 per Policy Year, which further eases your burden throughout your treatment journey.

You will be provided with an additional cash benefit under the following circumstance(s) if relevant Eligible Expenses are payable:

• Cash benefit for major and complex surgeries (First-in-VHIS-market⁵): You need to undergo a surgical procedure which is categorized as major or complex according to the Schedule of Surgical Procedures or as reasonably determined by us if the surgical procedure is not included in the Schedule of Surgical Procedures, or
• Cash benefit for Confinement in Intensive Care Unit in Hong Kong (First-in-VHIS-market⁵): You have been confined in Intensive Care Unit for at least 3 consecutive days in Hong Kong.