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Health

Earn up to 2,000 Clubpoints (for redemption of Club Shopping e-Cash Voucher valued up to HK$400*) upon successful application for any designated insurance plan under Voluntary Health Insurance Scheme series and Refund of Premium series.

*Based on The Club’s / Club Shopping’s Rewards redemption rate on 23 July, 2021 and subject to change without prior notice. Terms and conditions apply.

When you or a loved one needs medical treatment, hospital bills are the last thing you want to be burdened with. A comprehensive medical plan allows you or a loved one to focus on getting well, safe in the knowledge that it will help shoulder the burden of costly medical expenses.

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Enjoy Club Wellbeing App 360-day Reward Period*
Walk every day to enjoy up to 18,000 Clubpoints (for redemption to Club Shopping e-Cash Voucher valued up to HK$3,600*) via Club Wellbeing App 360-day Reward Period for purchasing the designated medical insurance products! Contact Us to Learn More
*Terms and conditions apply. Based on The Club’s / Club Shopping’s Rewards redemption rate on 1st June, 2021.
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Enjoy Club Wellbeing App 360-day Reward Period*
Walk every day to enjoy up to 18,000 Clubpoints (for redemption to Club Shopping e-Cash Voucher valued up to HK$3,600*) via Club Wellbeing App 360-day Reward Period for purchasing the designated medical insurance products! Contact Us to Learn More

*Terms and conditions apply. Based on The Club’s / Club Shopping’s Rewards redemption rate on 1st June, 2021.
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Provide various government-certified Voluntary Health Insurance Scheme plans1, offering you core coverage on hospitalization and surgical care, and flexibility to choose the medical coverage that suits you the most and allowing you to enjoy high quality medical services. Protection options cover:


  • Hospitalization & surgical expenses - by itemized sub-limits or full cover
  • Enhanced benefits, e.g. post-confinement/day case procedure Chinese medicine treatment, rehabilitation treatment
  • Deductible Option
  • Critical Illness Coverage
Important Notes

Premium Refundable Insurance Plans provide you with extra medical coverage and guaranteed refund of the actual total premium paid at policy maturity regardless of any claims made during the benefit term. Various benefit levels to choose from, to cater for your medical needs. Protection options cover:


  • Hospital cash benefit
  • Critical illness benefit
Important Notes
Contact Us

Contact Us

We are always here to serve you. For all enquiries and feedback related to Club Insurance, please contact us through the channels below:

hotline
Customer Service Hotline

Mon – Sat
9:00 am – 8:00 pm
(except public holidays)

Email

enquiry@ins.theclub.com.hk


Customer Service Hotline
183 3018


Other complaint channels


Insurance Authority
enquiry@ia.org.hk
3899 9983


The Insurance Complaints Bureau
icb.enquiry@icb.org.hk
2520 2728


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Personal Information Collection Statement

Please note that the fields of information marked with asterisks must be provided before we can provide you with the subscribed service(s).  You may choose not to provide the optional information (i.e. the fields not marked with asterisks) but your user experience will be affected if we do not have the relevant information to offer you with enhanced and personalised  services.

The personal data and other information (collectively, "Data") that you provided as a result of or in connection with the service(s) (collectively, the “Services”) you have subscribed hereunder are collected, used and retained by the relevant service provider(s) of the Services, being one or more of the members of the Group (being, HKT Limited and PCCW Limited and their respective subsidiaries, affiliates and associated companies), including but not limited to Hong Kong Telecommunications (HKT) Limited, CSL Mobile Limited, PCCW Media Limited, MOOV (Hong Kong) Limited, PCCW OTT (Hong Kong) Limited, eSmarthealth Limited, HKT Education Limited, Club HKT Limited, HKT CSP Limited, HKT Payment Limited, HKT Financial (IA) Services Limited, Club Services (HKT) Limited and HKT Flexi Limited (as the case maybe), in accordance with the requirements of the Personal Data (Privacy) Ordinance (Chapter 486 of the Laws of Hong Kong), other applicable laws, rules and regulations relating to data privacy and the Privacy Statement of the HKT Group (www.hkt.com/legal/privacy.html) and of the PCCW Group (www.pccw.com/legal/privacy.html) (collectively, the “Privacy Statement”). The applicable terms and conditions of the Services, the Privacy Statement, and this Personal Information Collection Statement all apply to and govern our collection, use and disclosure of your Data. 

Your Data is collected, may be used or maintained by and/or disclosed, at all times to the extent permitted under applicable laws, rules, regulations and license requirements, to affiliates and/or related companies of the Group, their respective agents (including debt collection agent) and business partners, and/or applicable regulatory bodies or governmental authorities for purposes in connection with the Services, including without limitation processing your application, providing the Services to you, enabling your access and retrieval of account information in relation to the Services, and complying with applicable laws, rules, regulations and license requirements. 

You are entitled to access, correct or enquire about the Data held by us about you. If you wish to withdraw your consent, access, correct or enquire about any Data held by us about you, you can do so by writing to the HKT Group’s Privacy Compliance Officer (HKT Group: GPO Box 9896 or via email to: privacy@pccw.com) or the PCCW Group’s Privacy Compliance Officer (GPO Box 9872 or via email to: privacy@pccw.com). 

  1. vCore Medical Plan is a Standard Plan certified by the Government under VHIS (Certification Number: S00036-01-000-02); vCare Medical Plan is a Flexi Plan certified by the Government under VHIS (Certification Number : F00015-01-000-02); vCare Supreme Medical Plan is a Flexi Plan certified by the Government under VHIS (Certification Number : F00032-01-000-03); vCANsurance Medical Plan is a Flexi Plan certified by the Government under VHIS (Certification Number: F00051-01-000-01 for Standard benefit level, F00051-02-000-01 for Superior benefit level) and vPrime Medical Plan is a Flexi Plan certified by the Government under VHIS (Certification Number: F00045-01-000-02 for Deductible HKD0, F00045-02-000-02 for Deductible HKD16,000, F00045-03-000-02 for Deductible HKD25,000, F00045-04-000-02 for Deductible HKD50,000), and are all underwritten by FWD (VHIS provider registration number: 00036).
  1. The features above are indicative only and are provided by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability)(“FWD Life”). For the full terms and conditions, benefits of the policy, key product risk and major exclusions of the policy, please refer to the respective policy documents (including the product brochure and policy provisions) which shall prevail in case of inconsistency. You should not purchase the insurance products solely based on the above information. Policies of the plans and the offer are subject to their relevant terms and conditions while the promotion is subject to promotion offer terms and conditions. For details, please contact Club Insurance Customer Services Hotline at 183 3018 or refer to related product brochure and policy provisions.
  2. The above insurance products are underwritten by FWD Life which reserves the final right of approval and decision of all matters relating to the insurance products.
  3. Club HKT Limited is an appointed licensed insurance agency of FWD Life (Licensed Insurance Agency Licence No.: FA3548) and its role is limited to distributing and arranging insurance products of FWD Life.
  4. Please read carefully the product brochure, policy provisions and Important Notes before purchasing the insurance products.
  5. In the event of any discrepancies between the English and Chinese versions of the above information and terms, the English version shall prevail.

  • The insurance plan is underwritten by FWD Life (incorporated in Bermuda with limited liability) (“FWD Life”). Club Insurance is a service brand operated by Club HKT Limited (“ Club HKT”), a wholly owned subsidiary of HKT Limited (HKT Limited is a company incorporated in the Cayman Islands with limited liability). Club HKT, being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency (Licensed Insurance Agency Licence No.: FA3548) and acts as an appointed licensed insurance agency for FWD Life to distribute and arrange a wide range of insurance products and services.

  • The product information is provided by FWD Life. The product information gives only an outline of the terms and conditions of the insurance cover and does not contain full terms and exclusions of the insurance policy (“Policy”). Any information given herein is subject to the precise terms and conditions and the full terms and conditions can be found in the Policy (including the product brochure) which shall prevail in case of inconsistency.
  • Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD Life and Personal Information Collection Statement of Club HKT before purchasing the insurance product. For enquiries relating to the insurance product, please contact Club Insurance Customer Service Hotline at 183 3018.
  • The premiums of the insurance product will be payable to FWD Life (or through Club HKT in respect of online applications made on Club Insurance’s website), and Club HKT will receive commission from FWD Life for acting as an appointed licensed insurance agency for FWD Life.
  • The insurance products referred to in this website are intended to be offered in Hong Kong only. The information on this website are not intended to be use by persons located in or resident outside of Hong Kong. The information on this website 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 by FWD Life or Club HKT outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong.
  • Under the Insurance Ordinance (Cap. 41), the 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 the IA’s official website at ia.org.hk/en/levy.
  • Club HKT's role is limited to the distribution and arrangement of the insurance products of FWD Life only and Club HKT shall not be responsible for any matters in relation to the provision of the insurance products.
  • Insurance products are products and obligations of FWD Life and not of Club HKT.
  • Any dispute over the contractual terms of insurance products should be resolved directly between you and FWD Life.
  • All insurance applications are subject to FWD Life’s underwriting and acceptance.
  • FWD Life is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products.
  • Club HKT will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances.
  • You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
  • In case of any inconsistency between the English and Chinese versions, the English version shall prevail.