Name: Buy EasyHealth Refundable Hospital Income Plan - Medical insurance
Brand: FWD

EasyHealth Refundable Hospital Income Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited ("FWD Life/ FWD"). i.FWD.com.hk ("iFWD Platform") is operated by FWD Financial Limited ("FWD Financial"). FWD Financial is an appointed insurance agency of FWD Life.

EasyHealth Refundable Hospital Income Plan ("the Plan", "EasyHealth") provides you Daily Hospital Cash Benefit, regardless of the actual hospital expenses, for 15 years with 10 years of payment only. In addition, you will enjoy a refund of 102% of the actual total premium paid at maturity (i.e. end of the 15th policy year) regardless of any claims made during the protection period. Even if you surrender the policy before the maturity, starting from the 6th policy year you can get back a percentage of actual premium paid.

FWD provides you with extra protection in related to Novel Coronavirus during this critical period, including special cash benefits up to HK$47,000, extra death benefit of HK$300,000 and allows you to be exempted from the waiting period for the virus, making sure you are covered right away. The Special Arrangement (including the Special Cash Benefits, Extra Death Benefit and Wavier of Waiting Period) is subject to terms and conditions, please click here to find out more.

Cash Benefit

You will receive a cash benefit from HK$300 to HK$1,200 per day (depending on your selected plan) when hospitalised for more than 6 consecutive hours. You have the flexibility to use the money to suit your needs, such as paying for your medical or non-medical expenses or protecting against any loss of income.

HK$11^* per day

Daily Hospital Cash. Enjoy as low as HK$11^*/day to get additional coverage on top of your existing medical plan. EasyHealth offers 4 benefit levels to cater your needs.

Return of Premium

You will enjoy a refund of 102% of the actual total premium paid at maturity (i.e. end of the 15th policy year) regardless of any claims made during the benefit term. Even if you surrender the policy before maturity, starting from the 6th policy year you can get back a percentage of actual total premiums paid.

^* Based on non-smoking female at age 19 (age next birthday), first year premium after discount is around HK$324 per month (Basic Plan). This is for reference only, and calculated based on Standard Premium rate which is not guaranteed and does not include Insurance levy. The promotion is subject to its Terms and Condition. Premium excludes insurance levy collected by the Insurance Authority. For further information, please visit www.fwd.com.hk/en/insurance-levy or contact FWD Service Hotline at 3123 3123.

Benefits

Additional Intensive Care Unit and Infectious Disease Benefits

If you are admitted to the intensive care unit during a quarantine, an additional benefit will be payable (up to HK$1,200 per day) up to 90 days per disability. Further, an additional Infectious Disease Benefit will be payable (up to HK$1,200 per day) up to 30 days per disability.

Claim Ambassador

We provide end-to-end claim processing service. Simply call our Service Hotline at 3123 3338.

Life Protection

The Plan will offer a life protection of 150% of the Total Annualised Premium to ease your family needs in the unfortunate event of your death. There will be an Additional Accidental Death Benefit of 50% of the Total Annualised Premium if your death is caused by an accident.

Easy Online Purchase

Our simplified underwriting process enables you to complete the entire application process online. You may also visit our Customer Service Centers if you wish to purchase more comprehensive coverage under this Policy.

If you have any inquiry or complaint, please call FWD Financial Service Hotline at (852) 3123 3338 or send us an email at cs.ifwd.hk@fwd.com.