GBAssure Outpatient Plan: First-in-market¹ family plans covering three generations and mental health
NobleCare Premier Medical Plan: Global premier lifetime medical shield

Partners with HKSH Medical Group to introduce market-first²
cross-border cancer management programme, with cross-border doctor consultations and dedicated case nurse follow-up services

HONG KONG SAR - Media OutReach Newswire - 6 May 2025 - Demand for cross-border medical services within the Greater Bay Area ("GBA") is increasing. A recent survey³ reveals that three in ten Hong Kong residents have sought medical treatment in mainland China, with over 76% recognising the benefits of having more treatment choices through cross-border options. To address the evolving healthcare needs of residents in the region, FWD Hong Kong ("FWD") has launched new cross-border medical solutions: the GBAssure Outpatient Plan⁴, which offers comprehensive outpatient coverage in designated cities within the GBA, and NobleCare Premier Medical Plan⁵, which provides lifetime medical protection across Greater China, Asia or worldwide⁶.

Furthermore, FWD is strengthening its partnership with HKSH Medical Group ("HKSH") to expand its one-stop cancer support services, adding cross-border doctor consultations and dedicated case nurse follow-up services. This collaboration aims to provide customers with more comprehensive health protection.

Cross-border healthcare solutions to meet growing GBA demand

A recent study reveals that in 2023 alone, Shenzhen provided up to 700,000 times³ of medical and healthcare services to Hong Kong residents. Ken Lau, Managing Director of Greater China & Hong Kong Chief Executive Officer, FWD, said, "With greater integration within the GBA, there's a growing need for medical protection that extends across GBA cities in mainland China, Hong Kong and Macau. True to our customer-led approach, FWD is launching new cross-border medical solutions and services, allowing customers to enjoy quality healthcare support free of geographical constraints. We are also delighted to celebrate our five-year partnership with HKSH Medical Group by launching a market-first cross-border cancer management programme, further strengthening our cancer support capabilities and comprehensively addressing our customers' needs."

Dr Walton Li, Chief Executive Officer of HKSH Medical Group and Medical Superintendent of Hong Kong Sanatorium & Hospital, added, "The HKSH Cancer Centre in Happy Valley and Island East is equipped with cutting-edge medical technology, including the introduction of the first proton therapy system in Hong Kong and the Greater Bay Area. The HKSH Cancer Centre is also supported by a multidisciplinary team of specialists, providing comprehensive oncology diagnosis, treatment, and rehabilitation services in a one-stop setting. Through this enhanced collaboration with FWD, we are expanding our rehabilitation planning consultation services for designated critical illnesses and strengthening cross-border medical services to deliver timely, high-quality professional care to even more patients. This initiative further reinforces our commitment to holistic patients care, empowering them to regain their health and confidence in life."

GBAssure Outpatient Plan: Seamless and convenient medical experience, no health underwriting required

Designed for individuals living, working, or frequently traveling between different cities in the GBA, this plan leverages a premier medical network covering Hong Kong, designated GBA cities in mainland China, and Macau⁶. It offers a range of first-in-market¹ and extensive outpatient services, including general practitioners, dental care, Chinese medicine practitioners, psychiatric consultation, laboratory tests and diagnostic imaging and colonoscopy. Customers can access a dedicated booking platform through FWD eServices to instantly schedule a range of healthcare services, seamlessly enjoying a simpler and more convenient medical experience. Application process for the plan is straightforward and convenient, requiring no health underwriting or medical examination.

GBAssure Outpatient Plan covers four innovative and caring protection and services:

• First-in-market family plan extending the family care concept: Beyond three individual plans, the plan offers two family plan options, allowing three generations to share outpatient coverage under a single policy, safeguarding the holistic well-being of loved ones with no limit on number of family members⁷.
• Caring psychiatric consultation⁸: The plan provides consultations with psychiatrist, protecting customers' mental and emotional health.
• Market-first colonoscopy benefit⁹: Offering colonoscopy services, relevant polypectomy and histopathology examination, emphasising proactive prevention.
• Innovative co-payment waiver for consultations without prescriptions¹⁰: Customers can enjoy general practitioner online consultations¹¹ complemented by basic medication delivery. If customers choose not to receive prescription drugs after the online consultation, co-payment is waived.

NobleCare Premier Medical Plan: Global medical protection designed for high-net-worth clients

This plan provides high-net-worth clients with superior lifetime cross-border medical protection and support:

• Flexible coverage without boundaries, the same premium rates apply within the same benefit level⁶ regardless of customers' place of residence. This plan offers unrestricted geographical coverage for emergency treatments accompanied by a choice of four distinct geographical areas for non-emergency treatment, and up to six deductible¹² options to flexibly align with customers' individual needs.
• Full cover¹³ on medical expenses without lifetime limits: Full coverage for a comprehensive range of hospitalisation and surgical medical expenses, annual coverage limit for various benefit levels can reach up to HKD30 million, with guaranteed renewal¹⁴ up to age 101 (age next birthday).
• FWD Care services providing dedicated hospitalisation and surgical arrangements¹⁵: Benefit from a tailored, one-stop global medical solution, this covers all Grade 3A hospitals in mainland China, including over 300 premium hospitals with international VIP access. Customers can enjoy the convenience of cashless facility for hospitalisation, as well as exclusive medical companion services to assist with hospital admission registration.
• Personalised medical and rehabilitation support from a professional team, including additional support for stroke rehabilitation.

Strengthening collaboration with HKSH to expand support services

FWD and HKSH are committed to providing top-tier medical support services. According to the "FWD Hong Kong Claims Report 2024," cancer cases account for 71% of critical illness claims, reflecting the increasing demand for quality cancer treatment and case management. As the partnership reaches its five-year milestone, cancer case and rehabilitation planning consultation services will be further expanded and refined, with the addition of two major cancer support services for customers, including those with the NobleCare Premier Medical Plan:

• Cancer concierge service¹⁵: A dedicated case nurse assigned by HKSH will oversee and coordinate customers' entire treatment plan.
• Cross-border cancer doctor-to-doctor tele-opinion¹⁵: HKSH collaborates with designated hospitals in mainland China to conduct cross-border cancer doctor-to-doctor tele-opinion, providing professional cross-border medical advice based on customers' medical conditions and needs to ensure optimal cancer treatment.

Kelvin Yu, Chief Product Officer for FWD Hong Kong & Macau, noted, "The growing number of cancer-related claims in the past year¹⁶ reflect the growing demand for cancer treatment and protection among our customers. This strengthened collaboration will further combine FWD's flexible insurance solutions with HKSH's top-tier medical services, bringing more comprehensive and quality health protection to our customers across prevention, diagnosis, treatment, and rehabilitation, ultimately enhancing their quality of life."

Dr Joseph Chan, Chief Medical Officer of HKSH Medical Group and Deputy Medical Superintendent of Hong Kong Sanatorium & Hospital, said, "At HKSH, our mission has always been to deliver premium, high-quality medical services. Our collaboration with FWD currently covers a comprehensive range of services for designated critical illnesses, including free second medical opinion consultations, personalised treatment planning, tailored rehabilitation programme recommendations, as well as professional nutritional and dietary advice. From diagnosis to rehabilitation, each case will be coordinated by a dedicated nurse, allowing patients who cross borders to seek medical care in Hong Kong to experience top-notch medical services and receive treatment with peace of mind."


¹ From a comparison made by FWD on 14 April 2025 among the individual outpatient plans of key insurers available in Hong Kong, the following product features are fi­rst-in-market : (1) Family Plans with physical and mental health protection, (2) unlimited number of Family Member under Family Plans, (3) Co-payment is waived if no drug prescription is provided after the online consultation and (4) colonoscopy services.
² From a comparison made by FWD on 14 April 2025 among the individual outpatient plans of key insurers available in Hong Kong, FWD x HKSH Medical Group Cross-border Cancer Management Program is first-in-market.
³ Youth Research Centre, The Hong Kong Federation of Youth Groups: Enabling Robust Cross-border Health Services for Hong Kong Residents, December 2024.
⁴ The product information listed does not encompass the full terms of the policy and is subject to the terms and conditions of the relevant plan. For details on product features, coverage items, complete terms, and key product risks, please refer to the FWD website and related product brochures: https://www.fwd.com.hk/en/medical-cover/gbassure-outpatient-plan/
⁵ The product information listed does not encompass the full terms of the policy and is subject to the terms and conditions of the relevant plan. For details on product features, coverage items, complete terms, and key product risks, please refer to the FWD website and related product brochures: https://www.fwd.com.hk/en/medical-cover/noblecare-premier-medical-plan/
⁶ Applicable to the GBAssure Outpatient Plan: Designated Mainland GBA Cities currently include Guangzhou, Shenzhen, Zhuhai, Foshan, Dongguan and Zhongshan, subject to FWD's revision to the list of cities from time to time without prior notice. Please refer to the policy provisions of the relevant plan for the geographical limitations of each benefit. Applicable to the NobleCare Premier Medical Plan: Please refer to the policy provisions of the relevant plan for the scope and definition of geographical areas and the geographical limitations of each benefit. FWD may revise the list of cities from time to time without prior notice. FWD shall have the right to re-underwrite the Terms and Benefits and adjust the premium due to a change in the Place of Residence of the Insured Person. In case of any change in the Place of Residence, please inform FWD of such a change.
⁷ Family Member is only applicable for Family Plan A or Family Plan B as Plan Level. The spouse, parents or child(ren) of Policy Owner, or the parents of Policy Owner's spouse nominated by the Policy Owner in accordance with Clause 4.1.4 under Policy provisions while this Policy is in effect. FWD will confirm the Policy Owner's nomination in writing.
⁸ Available for the User [User means the insured or family member (if applicable)] who receives Outpatient consultation with a Psychiatrist solely relating to Mental Illness in Mainland China, Hong Kong or Macau, where the consultation conducted in Mainland China is limited to the Outpatient department of Hospital. Waiting period of 180-day and 2-year are respectively applicable to Mental Illness and Perinatal Depression, counting from the Policy Date for the Insured and from the Family Member Coverage Effective Date for the relevant Family Member, please refer to Policy provisions for details.
⁹ Suitable for colonoscopies with medical necessity: The colonoscopy coupon can be used by the Policy Owner or Insured/ User who is at 18 or above (actual age) at the time of receiving colonoscopy services and is subject to prevailing terms and conditions as specified in the coupon.
¹⁰ Co-payment shall mean an amount that the Policy Owner is required to pay to the Panel Network for the relevant Health Services, dental care and colonoscopy services received by the User. The co-payment waived are those referred to in benefit 1(b) of the Benefit Schedule in the product brochure - General Practitioner
Online Consultation with Medicine Delivery (including up to 3 days of Basic Medication per visit). Long term medication for chronic diseases is not covered.
¹¹ Online consultation is not applicable to an Insured / the User aged 5 years or below (actual age) on the date of the general practitioner online consultation and not available in Macau. During the online consultation, the Insured / User must be physically present in the same District (i.e. Hong Kong or any one of the Designated Mainland GBA Cities, as the case may be) as the location of the clinic at which the Physician provides the online consultation.
¹² Deductible shall mean a fixed amount of Eligible Expenses or expenses that, in a Policy Year, the Policy Holder must pay before FWD shall reimburse the remaining Eligible Expenses or remaining expenses.
¹³ Full cover shall mean no itemised benefit sublimit, the actual amount of Eligible Expenses and other expenses charged after deducting the remaining Deductible (if any) and is subject to the Annual Benefit Limit. Full cover applies to selected benefit items only, while other benefit items are not fully covered and are subject to respective benefit item's limits. Please refer to Benefit Schedule and Policy Provisions for details. Full cover is limited to Reasonable and Customary charges or expenses incurred as a result of services which are Medically Necessary. Please refer to the "Important Words" section for the definitions of "Medically Necessary" and "Reasonable and Customary".
¹⁴ FWD shall renew the Policy at each policy anniversary up to the age of 101 (age next birthday) of the Insured Person as long as the requirements as stated in the renewal provisions of the Terms and Benefits of the Plan are met, in particular the change in the Place of Residence and change in the occupation of the Insured Person as mentioned in Section 3 of Part 4 of the Terms and Benefits of the Plan. FWD shall have the right to re-underwrite the Terms and Benefits of the Plan due to a change in the Place of Residence of the Insured Person or change in the occupation of the Insured Person upon Renewal. FWD shall carry out the re-underwriting solely in respect of the change in the Place of Residence or change in the occupation of the Insured Person. The re-underwriting result may be more advantageous or adverse to the Policy Owner and the Insured Person.
¹⁵ PREMIER THE ONEcierge (Global Medical Network), Second Medical Opinion Services, International SOS 24-hour Worldwide Assistance Services, Cross-border Cancer Management Program, Life Enrichment Program for Stroke, Dementia Support Program, MINDcierge, Elderly Home Care Services and Mainland China-focused Services are provided by third party service provider(s) which are not guaranteed renewable. FWD shall not be responsible for any act, negligence or omission of medical advice, opinion, service or treatment on the part of them. FWD reserves the right to amend, suspend or terminate the service without further notice. Life Enrichment Program for Stroke and Dementia Support Program are only available in Hong Kong. Elderly Home Care Services is only applicable if at the time of diagnosis, the Insured Person is aged 51 or above (age next birthday). For details of the above services or programs, please refer to relevant service leaflet. The waiting period of subsequent claim for Life Enrichment Program for Stroke is 1 year. For details of Life Enrichment Program for Stroke, please refer to the Section 2 of Part 1 of the Supplement – Special benefit for infant, life enrichment program for Stroke, wellness joy benefit, dementia support program, change of benefit level and elderly home care service under the Policy provisions.
¹⁶ FWD Hong Kong claims report 2024.


The above information is provided by FWD Life Insurance Company (Bermuda) Limited ("FWD") for reference only. Readers should not consider the contents of this article as an offer, sales solicitation, or product or insurance advice. Readers should make their own assessments and seek independent professional advice based on their needs regarding any products or services contained in this article. FWD makes no representations or warranties, whether express or implied, as to the accuracy, completeness or suitability of the information for any particular purpose and assumes no responsibility. FWD is not responsible and shall not bear any legal liability (including third-party liability) for any consequences arising from the use of or reliance on this article. There may be differences in the products of different insurance companies. Before purchasing insurance, you must understand, analyse and compare them in order to find the right insurance product.







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About FWD Hong Kong

FWD Hong Kong is part of the FWD Group, a pan-Asian life and health insurance business that serves approximately 30 million customers across 10 markets^*. FWD Hong Kong is firmly positioned as a top five pan-Asian insurer by business scale in Hong Kong^{^}.

FWD Hong Kong has been assigned strong financial ratings by international agencies. It offers life and medical insurance, employee benefits, and financial planning.

FWD's customer-led and digitally enabled approach aims to deliver innovative propositions, easy-to-understand products and a simpler insurance experience. Established in 2013, the company operates in some of the fastest-growing insurance markets in the world with a vision of changing the way people feel about insurance.

For more information about FWD Hong Kong, please visit www.fwd.com.hk.

^* Includes BRI Life in Indonesia
^{^}According to Provisional Statistics on Hong Kong Long Term Insurance Business - January to September 2024, Insurance Authority of Hong Kong, as well as FWD's own assessment based on market information, FWD ranks among the top five in both new business FYP ranking and new business case count. Calculated based on individual and group businesses. Pan-Asian insurers refer to multinational insurers currently having a well-established operation in the Asian market with multiple distribution channels.

About HKSH Medical Group

Officially launched in September 2017, HKSH Medical Group, through its operating members, adopts a multi-faceted, coordinated approach to promote public health and advanced medicine through relentless efforts in clinical excellence, medical training and research as well as public health education. Members of the Group, including Hong Kong Sanatorium & Hospital, HKSH Healthcare, HKSH Eastern Medical Centre and HKSH Cancer Centre, are dedicated to offering top-quality holistic care to patients, upholding the motto 'Quality in Service, Excellence in Care.'

Established in 1922, Hong Kong Sanatorium & Hospital is one of the key members of HKSH Medical Group and a leading private hospital in Hong Kong. Living up to its motto of 'Quality in Service, Excellence in Care', the Hospital is committed to serving the public as well as promoting medical education and research.

For more information about HKSH Medical Group, please visit www.hksh.com.