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Lifetime Cancer Limit1 as high as HK$1,500,000
Full cover for hospitalisation and treatment expenses

An all-round cancer protection plan which allows you to convert to a designated medical reimbursement plan upon retirement, catering to your medical needs and empowering you to face challenges at all stages of your life.
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#The above figure does not take into account any premium discounts for the first two months.
*Premium excludes insurance levy collected by the Insurance Authority. For further information, please visit www.fwd.com.hk/en/insurance-levy or contact our 24-hour Service Hotline at 3123 3123.

This product is available to HKID Card holders with a Hong Kong residential address only
Each insured can only be insured by ONE (1) POLICY of the Plan.
How much would this cost you ?
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#The above figure does not take into account any premium discounts for the first two months.

A cancer plan that supplements your group medical cover

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!

  • You can apply completely online by answering 3 simple health questions. No medical examination and proof of health are required
  • Provides a Lifetime Cancer Limit1 up to HK$1,500,000 for covered cancer to compensate insufficient group medical cover
  • Job Changer Benefit2 - Enjoy temporary cover under a designated full medical reimbursement plan when you switch jobs while without group medical cover
  • Special Event Benefit3 - Premium can be waived for 1 year when you wish to pursue further education, undertake a working holiday or become involuntarily unemployed
  • Extended Grace Period Benefit4 - Premium can be deferred up to 1 year when you get married or give birth to a child
  • Convertibility Option5 - You can convert your CANsurance Cancer Protection Plan to a designated full medical reimbursement plan before you enter retirement by calling our 24-hour Service Hotline at 3123 3123 (CANsurance Full Medical Plan is currently the designated full medical reimbursement plan of CANsurance Cancer Protection Plan. The full benefits of CANsurance Full Medical Plan are available in the Product Brochure)
  • Provides you with diversified health care professional consultations, to help you in your path to full recovery
  • Subsidises your transportation expenses during cancer treatment
  • Customised one-stop services specifically for your needs with professional health management team CANcierge6 when you are diagnosed with Covered Cancer7 – from treatment and hospitalisation, to post-treatment supportive therapies and consultation. CANcierge Hotline for Hong Kong: (852) 8120 9066
  • Regardless of the deterioration in your health, financial condition and claims history, FWD guarantees to renew your policy until age 1008 on your next birthday

Schedule of Benefits (HK$)

Plan Level
Economy
Area of Cover
Asia9
Room Level of Hospitalisation
Standard Ward Room10
Cancer Benefits
Diagnostic Benefit
Full cover
Cancer Treatment Benefits
  • Hospitalisation and Surgical Benefits
  • Treatment Benefit
Full cover
Reconstructive Surgery Benefit (head or breast)
Full cover
Monitoring Benefit (up to 5 years since completion of active treatment)
Full cover
Per Covered Cancer Limit11
500,000
Lifetime Cancer Limit1
1,500,000
Additional Cancer Care Benefits (Maximum Limit Per Covered Cancer)*
Daily Hospital Cash for Hospitalisation
    a) Hospitalisation in an ICU; or
    b) Hospitalisation in general ward of a public Hospital in Hong Kong; or
    c) Hospitalisation expenses that have been paid by another insurance company where FWD has not paid any benefit under Cancer Benefits
500
Chinese Medicine Practitioner Consultation (including acupuncture treatments or prescribed Chinese medicines) (per visit)
500
Physiotherapist Consultation(including acupuncture and chiropractic services)/ Occupational Therapy / Speech Therapy (per visit)
500
Dietician Consultation (per visit)
500
Psychological Counselling (for Insured and/ or immediate family members) (per visit)
1,000
Post-Hospitalisation Home Nursing (per day)
1,000
Transportation Fee Subsidy (per day)
300
Medical Appliances
5,000

*Please refer to the product brochure for the maximum visits per day and the maximum number of visits Per Covered Cancer

Death Benefit
Compassionate Death Benefit
10,000
Other Additional Benefits (only applicable to Insured whose issue age is at or below 55 (age next birthday))
Job Changer Benefit2
3 times per policy
Special Event Benefit3
Once per policy
Extended Grace Period Benefit4
Once per policy
Convertibility Option5
Once per policy
Ancillary Services
Second Medical Opinion Service12
International SOS 24-hour Worldwide Assistance Program12
CANcierge6

Remarks

  1. 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.

  2. CANsurance Cancer Protection Plan policy must be in effect for at least 3 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 application and subject to FWD’s rules at that time. CANsurance Cancer Protection Plan policy must remain in effect during the temporary coverage period and all premiums still need to be paid when due. You must inform FWD within 31 days immediately before or after the employment termination date and must provide proof of the change in this employment. This benefit is only available if you or the Insured are changing from a full time employment to any full time employment. This option may be exercised up to 3 times per policy, but you may only make a further application after 3 years has passed from the date of the start of the previous temporary coverage period. This benefit will expire at the earlier of following conditions:
    1. i) Insured reaches 65 years old (actual age) or;
    2. ii) the CANsurance Cancer Protection Plan policy is terminated.
    You cannot exercise this benefit in conjunction with Convertibility Option, 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.
  3. CANsurance Cancer Protection Plan policy must be in effect for at least 3 consecutive years from the policy date or the date of last reinstatement, whichever is later. You must provide FWD with all documents and information FWD requires within 30 days from the date you first receive relevant proof. This benefit will expire at the earlier of following conditions:
    1. i) Insured reaches 65 years old (actual age) or;
    2. ii) the CANsurance Cancer Protection Plan policy is terminated.
    You cannot exercise this benefit in conjunction with Convertibility Option, Job Changer Benefit or Extended Grace Period Benefit.
  4. CANsurance Cancer Protection Plan policy must be in effect for at least 3 consecutive years from the policy date or the date of last reinstatement, whichever is later. You must provide FWD with all documents and information FWD requires within 30 days from the date you first receive relevant proof. If the premium is not paid at the end of the Extended Grace Period, you will be in default and the policy will end. This benefit will expire at the earlier of following conditions:
    1. i) Insured reaches 65 years old (actual age) or;
    2. ii) the CANsurance Cancer Protection Plan policy is terminated.
    You cannot exercise this benefit in conjunction with Convertibility Option, Job Changer Benefit or Special Event Benefit.
  5. 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.


    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.


  6. 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.

  7. 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.

  8. 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.

  9. 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.

  10. 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.  

  11. 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.

  12. 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.

Credit risk

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.


Inflation risk

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:


  1. 1. any Covered Cancer7 in the presence of any HIV Infection and/or any AIDS related illness. HIV Infection refers to an infection where blood or other relevant test(s) indicate, in FWD’s opinion, either the presence of any Human Immunodeficiency Virus, antigens or antibodies to such virus ; or
  2. 2. any drug or alcohol abuse (unless the first symptoms of a relevant Covered Cancer7 caused by such drug or alcohol abuse occurs 2 years after the policy date or the date of last reinstatement, whichever is later).

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:

  1. 1. If the Insured dies.
  2. 2. The policy anniversary immediately following the Insured’s 99th birthday.
  3. 3. You surrender the policy. FWD will determine the surrender date based on the rules and regulations of FWD at that time.
  4. 4. If the change of place of residence or occupation means that the residence or occupation is not insurable according to FWD’s underwriting rules, FWD may terminate the policy or refuse to pay benefits under relevant policy after the change.
  5. 5. If you refuse to accept the revisions including the adjusted premium and if you have not paid the premium for 30 days from when it was due.
  6. 6. If a claim is false, fraudulent, intentionally exaggerated or if any person has used fraudulent means to attempt to claim a benefit, premium paid will not be refunded and any benefit paid because of such means will be recovered.
  7. 7. The premium grace period (or Extended Grace Period for CANsurance Cancer Protection Plan) expires and FWD has not received the premium payment.
  8. 8. If FWD ceases to offer relevant plan at each policy renewal.
  9. 9. The date the total amount paid under Cancer Benefits in Schedule of Benefits under all CANsurance Cancer Protection Plans that apply to the Insured reach the Lifetime Cancer Limit.
  10. 10. When you convert the CANsurance Cancer Protection Plan to a designated full medical reimbursement plan by exercising Convertibility Option.

The Club
FWD Life Insurance Company (Bermuda) Limited invites you to experience purchasing life products online: Starting from 3 July, 2017, upon successful online application of life products via i.FWD.com.hk, The Club members now can earn 2,000 Club points.
The Club
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