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BASIC

PLUS

ADVANCED

DELUXE
Monthly Contribution Amount
Monthly Contribution Amount
HK$ HK$ HK$ HK$
Initial Premium offer*
Initial Premium offer*
HK$
(first 2 months)
HK$
(first 2 months)
HK$
(first 2 months)
HK$
(first 2 months)
Initial Premium offer*
Promotion Discount
HK$
(first 2 months)
HK$
(first 2 months)
HK$
(first 2 months)
HK$
(first 2 months)
Daily Hospital Cash Benefit (per day)
Daily Hospital Cash Benefit (per day)
HK$ HK$ HK$ HK$
Intensive Care Unit Benefit (per day)
Intensive Care Unit Benefit (per day)
HK$ HK$ HK$ HK$
Infectious Disease Benefit (per day)
Infectious Disease Benefit (per day)
HK$ HK$ HK$ HK$
Refund of Premium after 15 years
Refund of Premium after 15 years
HK$ HK$ HK$ HK$
Death Benefit
Death Benefit
150% of Total Annualised Premium* 150% of Total Annualised Premium* 150% of Total Annualised Premium* 150% of Total Annualised Premium*
Accidental Death Benefit
Accidental Death Benefit
Additional 50% of Total Annualised Premium* Additional 50% of Total Annualised Premium* Additional 50% of Total Annualised Premium* Additional 50% of Total Annualised Premium*
Details Details Details Details

* For monthly plans, the initial premium paid is equivalent to the first 2 months’ regular contribution.

*Sum of the annualised premium of each policy year up to and including the policy year in which the Insured died. Annualised premium of a policy year shall mean monthly premium of that policy year multiplied by 12.

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BASIC

You pay
HK$
per month


(Yearly Contribution Amount
HK$ )
(Additional) Infectious Disease Benefit HK$
(Additional) Intensive Care Unit Benefit HK$
Hospital Cash HK$
Refund of premium at maturity HK$
Death Benefit
Accidental Death Benefit

Benefits

you will get
Daily Hospital Cash Benefit
HK$ (per day)

You are eligible to get the benefit when you have been hospitalized more than 6 hours. You may claim up to 730 days per disability.

Additional
Intensive Care Unit Benefit
HK$ (per day)

On top of the Daily Hospital Cash Benefit, you are eligible to get additional benefits if you are admitted to an Intensive Care Unit. You may claim up to 90 days per disability.

Additional
Infectious Disease Benefit
HK$ (per day)

On top of the Daily Hospital Cash Benefit, you are eligible to get additional benefits if you suffer from an Infectious Disease. You may claim up to 30 days per disability.

Total Amount Up to
HK$

15-year benefit term

102% of actual total premium paid

Regardless of the number of claims made during the protection period

Policy Year
1 At maturity
% of Premium Refund
Actual Total Premium Paid (HK$)
Refundable Amount (HK$)

After 15 years

You Paid

HK$

You Get

HK$

Please note the above calculation does not take into account the premium discount.

 

PLUS

You pay
HK$
per month


(Yearly Contribution Amount
HK$ )
(Additional) Infectious Disease Benefit HK$
(Additional) Intensive Care Unit Benefit HK$
Hospital Cash HK$
Refund of premium at maturity HK$
Death Benefit
Accidental Death Benefit

Benefits

you will get
Daily Hospital Cash Benefit
HK$ (per day)

You are eligible to get the benefit when you have been hospitalized more than 6 hours. You may claim up to 730 days per disability.

Additional
Intensive Care Unit Benefit
HK$ (per day)

On top of the Daily Hospital Cash Benefit, you are eligible to get additional benefits if you are admitted to an Intensive Care Unit. You may claim up to 90 days per disability.

Additional
Infectious Disease Benefit
HK$ (per day)

On top of the Daily Hospital Cash Benefit, you are eligible to get additional benefits if you suffer from an Infectious Disease. You may claim up to 30 days per disability.

Total Amount Up to
HK$

15-year benefit term

102% of actual total premium paid

Regardless of the number of claims made during the protection period

Policy Year
1 At maturity
% of Premium Refund
Actual Total Premium Paid (HK$)
Refundable Amount (HK$)

After 15 years

You Paid

HK$

You Get

HK$

Please note the above calculation does not take into account the premium discount.

 

ADVANCED

You pay
HK$
per month


(Yearly Contribution Amount
HK$ )
(Additional) Infectious Disease Benefit HK$
(Additional) Intensive Care Unit Benefit HK$
Hospital Cash HK$
Refund of premium at maturity HK$
Death Benefit
Accidental Death Benefit

Benefits

Daily Hospital Cash Benefit
HK$ (per day)

You are eligible to get the benefit when you have been hospitalized more than 6 hours. You may claim up to 730 days per disability.

Intensive Care Unit Benefit
HK$ (per day)

On top of the Daily Hospital Cash Benefit, you are eligible to get additional benefits if you are admitted to an Intensive Care Unit. You may claim up to 90 days per disability.

Infectious Disease Benefit
HK$ (per day)

On top of the Daily Hospital Cash Benefit, you are eligible to get additional benefits if you suffer from an Infectious Disease. You may claim up to 30 days per disability.

Total Amount Up to
HK$

15-year benefit term

102% of actual total premium paid

Regardless of the number of claims made during the protection period

Policy Year
1 At maturity
% of Premium Refund
Actual Total Premium Paid (HK$)
Refundable Amount (HK$)

After 15 years

You Paid

HK$

You Get

HK$

Please note the above calculation does not take into account the premium discount.

 

DELUXE

You pay
HK$
per month


(Yearly Contribution Amount
HK$ )
(Additional) Infectious Disease Benefit HK$
(Additional) Intensive Care Unit Benefit HK$
Hospital Cash HK$
Refund of premium at maturity HK$
Death Benefit
Accidental Death Benefit

Benefits

Daily Hospital Cash Benefit
HK$ (per day)

You are eligible to get the benefit when you have been hospitalized more than 6 hours. You may claim up to 730 days per disability.

Intensive Care Unit Benefit
HK$ (per day)

On top of the Daily Hospital Cash Benefit, you are eligible to get additional benefits if you are admitted to an Intensive Care Unit. You may claim up to 90 days per disability.

Infectious Disease Benefit
HK$ (per day)

On top of the Daily Hospital Cash Benefit, you are eligible to get additional benefits if you suffer from an Infectious Disease. You may claim up to 30 days per disability.

Total Amount Up to
HK$

15-year benefit term

102% of actual total premium paid

Regardless of the number of claims made during the protection period

Policy Year
1 At maturity
% of Premium Refund
Actual Total Premium Paid (HK$)
Refundable Amount (HK$)

After 15 years

You Paid

HK$

You Get

HK$

Please note the above calculation does not take into account the premium discount.

Credit risk

This product is an insurance policy issued by FWD Life Insurance Company (Bermuda) Limited ("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.


Liquidity risk

This product is a long term insurance policy. This policy of long term insurance will be made for certain determined term of years starting from the policy effective date to the policy maturity date. The policy contains value and, if you surrender your policy in the early policy years or before its maturity date, the amount you get back may be considerably less than the total premium you have paid. Application of the Plan may constitute the liquidity risk to your financial condition. You need to bear the liquidity risk associated with the Plan


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 your benefits to be 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 this policy may not be sufficient for the increasing protection needs in the future even if FWD fulfills all of its contractual obligations.


Early surrender risk

If you surrender your policy in the early policy years or before the end of the benefit term, or withdraw the premiums you contributed in the early policy years, the amount of the benefit you will get back may be considerably less than the total amount of the premiums you paid.


Surrender during the Policy Year Percentage of Actual Total Premium Paid
1 0%
2 0%
3 0%
4 0%
5 0%
6 10%
7 20%
8 30%
9 40%
10 50%
11 60%
12 70%
13 80%
14 90%
15 100%
At maturity 102%

Exclusions

No Daily Hospital Cash Benefit, Intensive Care Unit Benefit or Infectious Disease Benefit is payable under this Policy when the Confinement is directly or indirectly caused by:

  1. Congenital Conditions.
  2. Pre-existing Conditions.
  3. Intentional self-inflicted injury or attempted suicide, while sane or insane and while intoxicated or not; Disability arising out of excessive consumption of alcohol or narcotics or similar drugs or agents unless prescribed by a Physician for the treatment of a Disability.
  4. Conditions arising from surgical, mechanical or chemical contraceptive methods of birth control or the reversal of birth control or treatment pertaining to infertility.
  5. Cosmetic surgery or plastic surgery, preventive or vaccination treatment not related to a Disability, except as necessitated by bodily Injuries wholly caused by an Accident occurring after the Policy Date; dental care, surgery and treatment, except as necessitated by the need to restore sound natural teeth that are damaged wholly by Injury occurring after the Policy Date and the restoration is only to restore the basic function of the natural teeth that existed prior to the Injury.
  6. War or any act of war, terrorism or terroristic activities, declared or undeclared, hostilities, rebellion, revolution, insurrection, coup or usurped power or active duty in the military, naval or air forces of any country or international authority.
  7. Any Disability resulting from:
    1. Racing of any kind other than on foot.
    2. Participation in all forms of professional sports competition with reward and income.
    3. Motorcycling other than on roadways designed primarily for motor traffic.
    4. An activity in the air other than as a fare paying passenger on a duly licensed commercial aircraft.
    5. Deep water diving over thirty (30) meters requiring the use of breathing apparatus.
    6. Abseiling and mountain climbing requiring the use of ropes and/or pitons.
    7. Winter sports other than ice-rink skating.
    8. Deliberate exposure to exceptional danger in the opinion of FWD except in an effort to save human life.
    9. Nuclear radiation, or contamination or the use of ionization or combustion of any nuclear weapons.
  8. Pregnancy, childbirth (including surgical delivery), miscarriage which is not a result of Accident, abortion and prenatal or postnatal care.
  9. The participation in any criminal event (including the consumption of illegal drugs).
  10. Trans-sexual surgery.

No Accidental Death Benefit is payable under this Policy when the death of the Insured is directly or indirectly caused by:

  1. Disease or infection (except infections which occur through an accidental cut or wound).
  2. Pregnancy, childbirth (including surgical delivery) and abortion irrespective of whether such event is accelerated or induced by an Injury.
  3. Intentional self-inflicted injury or attempted suicide, while sane or insane and while intoxicated or not.
  4. Any drug unless taken in accordance with the lawful directions and prescription of a qualified and registered Physician.
  5. Accident occurring while or because the Insured is under the influence of alcohol.
  6. Poison, gas or fumes, voluntarily or otherwise taken, absorbed or inhaled, other than as a result of an Accident arising from a hazardous incident in relation to the Insured's occupation.
  7. War or any act of war, terrorism or terroristic activities, declared or undeclared, hostilities, rebellion, revolution, insurrection, coup or usurped power or active duty in the military, naval or air forces of any country or international authority.
  8. Any activity in the air other than as a fare paying passenger on a duly licensed commercial aircraft.
  9. The participation in any criminal event (including the consumption of illegal drugs).
  10. Racing of any kind other than on foot.
  11. Nuclear radiation, or contamination or the use of ionization or combustion of any nuclear weapons.
  12. Participation in all forms of professional sports competition with reward and income.

Premium adjustment

The premium is non-guaranteed and may significantly increase due to factors including but not limited to claims experience and policy persistency. However, premium will not be increased based on the age of the Insured on his or her next birthday.


Premium term and non-payment of premium

The premium payment term of the policy is 10 years. FWD allows a Grace Period of 30 days 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.


Termination conditions

This Policy shall terminate on the earliest of the following:-

  1. The death of the Insured; or
  2. The Maturity Date; or
  3. The date of Policy surrender. Such date is determined in accordance with FWD's applicable rules and regulations in relation to Policy surrender; or
  4. The end of the Grace Period of any premium due and not received by FWD.


Disability -any Sickness(es), Disease(s), Illness(es) or Injury(ies) and shall include all Disabilities arising from the same cause including any complications arising from it.


Sickness, Disease or Illness -a physical condition marked by a pathological deviation from the normal healthy state which manifests and commences more than thirty (30) days after the policy date or the date of reinstatement of this policy (whichever is later).


Confinement -a period during which the Insured is admitted into a hospital or Designated Psychiatric Hospital as an in-patient for Medically Necessary services or treatments on the written recommendation of a physician as a result of a Disability, provided that the duration of such stay is not less than six (6) consecutive hours. Throughout the period from the Insured's admission until his/her discharge, the Insured is required to be continuously confined in the hospital without any physical absence or interruption.


Medically Necessary -medical or health care services and Confinement which are necessary and consistent with the diagnosis and customary medical treatment for the Disability and recommended by a physician or surgeon. In no event will any of the following be considered to be Medically Necessary:

  • Confinement mainly for the personal comfort or convenience of the Insured or the physician or any other person.
  • Confinement which the Insured's Disability could safely and adequately be treated while not confined.
  • Confinement for experimental, screening and preventive services, routine physical examinations, health check-ups, or tests not incidental to treatment or diagnosis of a Disability.

Maximum period for which Daily Hospital Cash Benefit is payable per Disability (other than a Psychiatric Disorder and any Human Immunodeficiency Virus (HIV) related Disability) is seven hundred and thirty (730) days. The benefit for the treatment of Psychiatric Disorder (i.e. mental, behavioral, psychiatric or psychological disorder) in a Designated Psychiatric Hospital is subject to the maximum period of thirty (30) days of per policy year regardless of the number of Psychiatric Disorders suffered. Designated Psychiatric Hospital includes Alice Ho Miu Ling Nethersole Hospital, Castle Peak Hospital, Kowloon Hospital, Kwai Chung Hospital, Pamela Youde Nethersole Eastern Hospital, Queen Mary Hospital, Shatin Hospital, Tai Po Hospital, Tuen Mun Hospital, United Christian Hospital and Conde S. Januário Hospital, Macau.


If the Confinement occurs in places other than Hong Kong, Macau, South Korea, Taiwan, Singapore, Malaysia, Thailand, Japan, Canada, U.S.A, Western Europe, Australia and New Zealand, Daily Hospital Cash Benefit, Intensive Care Unit Benefit & Infectious Disease Benefit payable for each day of Confinement under these benefits shall be reduced to fifty (50) percent of the benefit and further, the maximum period for which the Daily Hospital Cash Benefit is payable per Disability (other than a Psychiatric Disorder and any Human Immunodeficiency Virus (HIV) related Disability) shall be reduced to ninety (90) days. “Western Europe” shall mean Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Monaco, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom and Vatican City.


No Daily Hospital Cash Benefit or Intensive Care Unit Benefit shall be paid in respect of any Human Immunodeficiency Virus (HIV) related Disability, including Acquired Immunization Deficiency Syndrome (AIDS) and/or any mutations, derivations or variations, which is derived from an HIV infection (except due to blood transfusion), unless the signs or symptoms of such Disability first occur after the policy has been effective for five (5) consecutive policy years from the policy date or the date of reinstatement of this policy (whichever is later). The maximum period for which the Daily Hospital Cash Benefit and the Intensive Care Unit Benefit are payable in respect of HIV related Disabilities is thirty (30) days per policy year regardless of the number of HIV related Disabilities suffered.


Premium is non-guaranteed and may significantly increase due to factors including but not limited to claims experience and policy persistency. However, premium will not be increased based on the age of the Insured on his or her next birthday.


Maximum period for which Intensive Care Unit Benefit is payable shall not exceed ninety (90) days per Disability.


Maximum period for which Infectious Disease Benefit is payable shall not exceed thirty (30) days per Disability. Covered infectious diseases include:

  1. Malaria
  2. Cholera
  3. Dengue Fever
  4. Tetanus
  5. Measles
  6. Rabies
  7. Yellow Fever
  8. Scarlet Fever
  9. SARS
  10. Japanese Encephalitis
  11. Meningococcal Infection
  12. Creutzfeldt-Jakob Disease (Mad Cow Disease)
  13. Legionnaires' Disease
  14. Amoebic Dysentery
  15. Anthrax
  16. Leprosy
  17. Diphtheria
  18. Acute Poliomyelitis
  19. Plague
  20. Tuberculosis

Total Annualised Premium -is the sum of the annualised premium of each policy year up to and including the policy year in which the Insured died. Annualised premium of a policy year shall mean monthly premium of that policy year multiplied by 12.