CANsurance Cancer Protection Plan presented by FWD can help you go forward in the pursuit of your dreams and compensate for insufficient group medical cover. Plan early and you can go full steam ahead with no worries!
*Please refer to the product brochure for the maximum visits per day and the maximum number of visits Per Covered Cancer
Lifetime Cancer Limit refers to the maximum total amount per Insured that FWD will pay under Cancer Benefits of CANsurance Cancer Protection Plan - Schedule of Benefits for all Covered Cancers from CANsurance Cancer Protection Plan. If the Insured is insured under multiple CANsurance Cancer Protection Plan policies, the Lifetime Cancer Limit will apply across all of these policies, even those policies that have terminated. Once the total amount paid or payable under Cancer Benefits of CANsurance Cancer Protection Plan - Schedule of Benefits reaches the Lifetime Cancer Limit, the policy will terminate.
You may apply to convert the CANsurance Cancer Protection Plan policy to a designated full medical reimbursement plan if the policy has been in effect for at least 9 consecutive years from the policy date or the date of last reinstatement, whichever is later. This option is only available if FWD offers a designated full medical reimbursement plan at the time of conversion and subject to FWD’s rules at that time. You may apply when the Insured is aged between 38 and 64 years old (both actual ages inclusive) and within 31 days immediately before or after the respective policy anniversary without providing further health evidence from the Insured. Once approved, conversion will take effect on next policy anniversary and you cannot withdraw the application. CANsurance Cancer Protection Plan will be terminated once the policy is converted. Any claims for any Covered Cancer made under CANsurance Cancer Protection Plan or the converted policy of designated full medical reimbursement plan are subject to the Lifetime Cancer Limit. FWD will not cover any illness or injury (including pre-existing conditions) under the designated full medical reimbursement plan if it occurred before the policy date or the date of last reinstatement (whichever is later) of the CANsurance Cancer Protection Plan. Premium payable under the designated full medical reimbursement plan is not guaranteed and will be determined on conversion. You cannot exercise this benefit in conjunction with Job Changer Benefit, Special Event Benefit or Extended Grace Period Benefit. CANsurance Full Medical Plan is currently the designated full medical reimbursement plan of CANsurance Cancer Protection Plan and FWD can revise from time to time without prior notice.
After exercising the Convertibility Option, CANsurance Cancer Protection Plan is converted to the designated full medical plan (CANsurance Full Medical Plan for now), and the coverage will be changed as below.
|Plan Name||CANsurance Cancer Protection Plan (Plan Level: Economy)||CANsurance Full Medical Plan(Plan Level: Economy)|
|Coverage||Covered Cancer only||Covered Disability (including Cancer)|
|Limit||HK$ 500,000 per Covered Cancer
(Refers to the maximum total amount for any single Covered Cancer that FWD will pay under Section A of CANsurance Cancer Protection Plan - Schedule of Benefit)
|HK$ 250,000 per Disability
(Refers to the maximum total amount that FWD will pay under Items 1 to 3 under Schedule of Benefit of CANsurance Full Medical Plan, and the Per Disability Limit will be doubled for claims relating to Covered Cancer)
|Daily Hospital Cash||HK$ 500
(Maximum 30 days Per Covered Cancer, including Hospitalisation in an ICU; or Hospitalisation in general ward of a public Hospital in Hong Kong; or Hospitalisation expenses that have been paid by another insurance company where FWD has not paid any benefit under Section A – Cancer Benefits)
(Maximum 60 days Per Covered Disability, but limited to hospitalisation in general ward of a public Hospital in Hong Kong)
|Chinese Medicine Practitioner Consultation||1 visit per day, maximum 20 visits per Covered Cancer and limited to HK$ 500 per visit||1 visit per day, maximum 10 visits within 60 days after discharge or clinical surgery and limited to HK$ 300 per visit|
|Physiotherapist Consultation (including acupuncture and chiropractic services)/ Occupational Therapy/Speech Therapy||1 visit per day, maximum 20 visits per Covered Cancer and limited to HK$ 500 per visit||1 visit per day, maximum 10 visits within 60 days after discharge or clinical surgery and limited to HK$ 300 per visit
Exclude Occupational Therapy and Speech Therapy
|Dietician Consultation||1 visit per day, maximum 20 visits per Covered Cancer and limited to HK$ 500 per visit|
|Psychological Counselling||1 visit per day, maximum 20 visits per Covered Cancer and limited to HK$ 1,000 per visit|
|Post-hospitalisation Home Nursing||Maximum 30 days per Covered Cancer and limited to HK$1,000 per day||Maximum 31 days within 31 days after discharge following surgery or ICU admission|
|Transportation Fee Subsidy||Maximum 20 days per Covered Cancer and limited to HK$300 per day|
|Medical Appliances||Limited to HK$5,000 per Covered Cancer||Full Cover but subject to the maximum total amount per Covered Disability|
|Job Change Benefit, Special Event Benefit and Extended Grace Period Benefit|
|Emergency Out-Patient Accidental Treatment Charges, Emergency Dental Treatment and Kidney Dialysis||Full Cover but subject to the maximum total amount per Covered Disability|
|Accidental Death Benefit||HK$10,000
(in addition to Compassionate Death Benefit)
|Wellness Joy Benefit||If the policy has been in effect for 5 consecutive years, we will pay the expenses of travelling, fitness and wellness course or health check-up for the following policy year, once per policy and limited to HK$800|
|No Claim Benefit Booster||If no claim is paid or payable for 10 consecutive years, at the next renewal 20% one-off increase in Per Disability Limit and will be applicable for all future policy years|
The above information is for reference only and does not include all benefits per plan ; FWD reserves the right to revise the benefit payable, terms and conditions and premiums any time at renewal. Please refer to the Product Brochure and Product Provision for benefits details.
CANcierge is currently provided by HealthMutual Group Limited (“HMG”) and its healthcare network team, is not a part of the policy or benefit item under the Policy Provisions and only applicable to CANsurance Series. FWD reserves the right to terminate or vary CANcierge in its sole discretion without further notice. FWD will not be responsible for any act, negligence or failure to act on the part of HMG and its healthcare network team. For details, please refer to the attached brochure of CANcierge.
Covered Cancer refers to the first symptoms that occur no earlier than 90 days after the policy date or the date of last reinstatement, whichever is later, and are subsequently confirmed by a specialist as meeting the definition of Cancer or Carcinoma-in-situ. Please refer to Policy Provisions for the definitions of Cancer and Carcinoma-in-situ.
Lifetime guaranteed renewal is subject to the continual availability of CANsurance Series offered by FWD, terms and conditions applicable, 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 at next birthday and the premium table applicable when the policy is renewed. Premium table is subject to change based on factors including but not limited to the inflation of related medical expenses, FWD’s medical claim experience and persistency of policies from time to time. FWD reserves the right to revise the benefit payable, terms and conditions and premiums any time at renewal.
Asia includes Afghanistan, Bangladesh, Bhutan, Brunei, Cambodia, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Mainland China, Malaysia, Maldives, Mongolia, Myanmar, Nepal, North Korea, Pakistan, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, and Vietnam.
Standard Ward Room refers to a room type in a hospital that is of a quality below a Standard Semi-Private Room. Standard Semi-Private Room refers to a single or double occupancy room in a hospital, with a shared bath / shower room.
Per Covered Cancer Limit refers to the maximum total amount for any single Covered Cancer that FWD will pay under Cancer Benefits of CANsurance Cancer Protection Plan - Schedule of Benefits. If the Insured is insured under multiple CANsurance Cancer Protection Plan policies, the Per Covered Cancer Limit will apply across all of these policies, even those policies that have terminated.
The services are currently provided by International SOS and are not guaranteed renewable. All relevant fees and charges (if any) of these services must be paid by you. FWD shall not be responsible for any act or failure to act on the part of International SOS and/ or any of its affiliates. Details of the services may be revised from time to time without prior notice from FWD.
These products are insurance policies issued by FWD. The application of this insurance product and all benefits payable under your policy are subject to the credit risk of FWD. You will bear the default risk in the event that FWD is unable to satisfy its financial obligations under this insurance contract.
Exchange rate and currency risk
The application of this insurance product with the policy currency denominated in a foreign currency is subject to that foreign currency’s exchange rate and currency risk. The foreign currency may be subject to the relevant regulatory bodies’ control (for example, exchange restrictions). If your home currency is different from the policy currency, please note that any exchange rate fluctuation between your home currency and the policy currency of this insurance product will have a direct impact on the amount of premium required and the value of benefit(s) to be received. For instance, if the policy currency of the insurance product depreciates substantially against your home currency, the potential loss arising from such exchange rate movement may have a negative impact on the benefits you received from the product and your burden of the premium payment.
The cost of living in the future may be higher than now due to the effects of inflation. Therefore, the benefits under CANsurance may not be sufficient for the increasing protection needs in the future even if the Company fulfils all of its contractual obligations.
Except Compassionate Death Benefit, CANsurance Cancer Protection Plan does not cover any Covered Cancer 7 resulting directly or indirectly from or in respect of any of the following:
The premium is non-guaranteed and will be determined annually based on the age of the Insured on his or her next birthday at the time of renewal. The premium may increase significantly due to factors including but not limited to age, claims experience and policy persistency.
The premium payment term of the policy ends on the policy anniversary immediately preceding the Insured’s 100th birthday.
FWD allows a Grace Period of 30 days (or Extended Grace Period in CANsurance Cancer Protection Plan) after the premium due date for payment of each premium. If a premium is still unpaid at the expiration of the Grace Period, the policy will be terminated from the date the first unpaid premium was due. Please note that once the policy is terminated on this basis, you will lose all of your benefits.
The policy of CANsurance Cancer Protection Plan will automatically end on the earliest of the following:
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