FWD Hong Kong introduces One&All insurance plan with tiered benefits

FWD is also partnering with the Hong Kong Pharmaceutical Care Foundation.

FWD Hong Kong has launched the One&All Medical Insurance Plan, a new product aimed at addressing gaps in Hong Kong’s healthcare protection, particularly self-financed treatments in public hospitals and imaging tests often referred to private facilities.

The plan is structured across three benefit levels. Level Access provides basic coverage for self-financed items in public hospitals with annual premiums starting at less than $156 (HK$1,200) and an aggregate limit of $65,000 (HK$500,000) per disability.

Level Beyond extends coverage to public and private hospitals in Mainland China and Macau, with a limit of $110,500 (HK$850,000). The top-tier Level Connect covers hospitals across Asia, with a $130,000 (HK$1 million) limit and an optional benefit that allows parents to be added without health underwriting.

FWD is also partnering with the Hong Kong Pharmaceutical Care Foundation to introduce a first-in-market drug consultation and medication management service for customers of One&All and other selected medical plans.

The service includes remote drug inquiries, one-on-one consultations with pharmacists, and access to dispensary discounts.

FWD said the product is designed to provide more flexible and affordable protection, targeting uninsured individuals as well as families concerned about out-of-pocket expenses for drugs and medical items.