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TheChoice Medical Insurance
TheChoice Medical Insurance

Care for your health

Your health is your most precious asset. Give yourself and loved ones peace of mind with a plan that covers your health and shields you from rising medical costs. TheChoice Medical Insurance offers you comprehensive medical coverage so you can focus on getting well without worrying about your finances.

More Benefits

Cashless inpatient facility3

For worry-free treatment, the inpatient credit facility offers a guarantee letter which gives you access to cashless facility for confinement in private hospitals in Hong Kong.

Additional benefits for designated critical illnesses

Enjoy additional protection up to HK$1.5 million to cover medical expenses for organ and bone marrow transplant, chemotherapy, radiotherapy and kidney dialysis.

Continuous coverage1 and flexible choice

Enjoy guaranteed policy renewal up to up to age 100. You will never pay additional premium due to claims history and change in health status. The plan offers three levels of coverage, protecting you across two different geographical areas with four annual deductible 2 options of your choice.

  1. Guaranteed yearly renewal is subject to the continual availability of the Plan offered by FWD General Insurance Limited (“FWD GI”), terms and conditions applicable including but not limited to Termination Provisions, benefits, and premium rates at the time of renewal. Renewal premiums are not guaranteed and the premiums for each renewal are determined based on the age and the premium table applicable upon renewal. Premium table is subject to change based on factors including but not limited to the inflation of related medical expense, FWD GI’s medical claim experience and persistency of policies from time to time. FWD GI reserves the right to revise the benefits payable, terms and conditions and premiums at any time. 
  2. Annual Deductible shall mean the part of eligible expenses which shall be borne by the policyholder or the insured and which has to be deducted from the reimbursable sum as shown in the policy schedule. 
  3. Cashless Inpatient Facility is an administrative arrangement to pay the covered expenses during confinement on behalf of the insured to the designated private hospitals in Hong Kong, pre-admission approval is required. It is not a benefit item under the policy and not a guaranteed arrangement. FWD GI reserves the rights to terminate or vary the service at its sole discretion without further notice. If there is Annual Deductible2 or its balance of eligible plan, policyholders are required to pay such balance when being admitted to hospital. If the medical cost paid by FWD GI is higher than the maximum limit of benefits, FWD GI would seek reimbursement from policyholders for such balance. 


  • FWD General Insurance Company Limited (“FWD GI”) is authorized by the Insurance Authority to carry on insurance business in Hong Kong. 
  • The insurance plan is underwritten by FWD GI. The HKT Care website is operated by HKT Financial Services (IA) Limited (“HKTIA”) and HKTIA is the authorized insurance agency of FWD GI.
  • The information is for reference only. Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD GI and Personal Information Collection Statement of HKTIA before purchasing the insurance product. For enquiries relating to the insurance product, please contact HKT Care Customer Service Hotline at 8209 0098.
  • Premiums will be payable to FWD GI, and HKTIA will receive commission from FWD GI for acting as insurance agency of FWD GI.
  • The insurance product intended to be offered in Hong Kong only. It shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any insurance products of FWD GI outside Hong Kong.
  • Under the “Insurance Ordinance” (Cap. 41), the Insurance Authority (IA) has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to IA’s official website: ia.org.hk/en/levy.

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