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What is Life Insurance: How to Choose and Compare Plans

What is Life Insurance? Read here to compare different types of life insurances and learn their benefits, helping you pick the right one in the evolving market. 

Life insurance products are constantly evolving. With so many options available and complicated policy terms, newcomers to insurance may feel overwhelmed.Do you truly understand what protection you need, the benefits of different types of life insurance, and how to choose life insurance coverage or the right premium Learn more before purchasing ensures peace of mind afterward. Today, let's go through an in-depth lesson on life insurance comparison.<h2>What is life insurance?</h2><p>Life insurance is designed to provide a payout to the policy's beneficiaries when the insured person passes away.The money helps support loved ones cope during such unexpected and challenging times. For those who are the main financial providers in a family —such as individuals with parents, spouses, children, or outstanding debts like mortgages, life insurance serves as both a financial planning tool and a form of protection.</p><h2>Term vs Whole Life Insurance Comparison</h2><h3>Term Life Insurance</h3><p><a href="https://www.fwd.com.hk/online-insurance/term-life/en/" target="_blank">Term life insurance</a> is a life insurance product with a set coverage period (e.g. 5, 10, or 20 years). If the insured person passes away during the policy term, the beneficiary receives a lump sum death benefit. The coverage and payment periods are usually the same. There is no savings component, so when the policy ends, no cash value or dividends are returned. Compared to whole life insurance, the main benefit of term insurance is that with the same coverage amount, the premium is lower. This means buyers can secure equal or greater protection with a more affordable premium by choosing term insurance.</p><h3>Whole Life Insurance</h3><p>Whole life insurance differs from term insurance in terms of premium, payment duration, and coverage period. It features a fixed payment period—once the premium is set at purchase, it remains unchanged regardless of future changes in health and is not affected by inflation. After finishing the payment period, the insured can then enjoy life-long coverage. Another key distinction is the savings component: bonuses not withdrawn are retained within the policy account, accumulating further and offering potential for growth.</p><table><thead><tr><th>&nbsp;</th><th>Term Life Insurance</th><th>Whole Life Insurance</th></tr></thead><tbody><tr><td>Savings Component</td><td>No savings component, belongs to the non-savings type of life insurance.</td><td>Has a savings component ;belongs to the savings type of life insurance.</td></tr><tr><td>Coverage Payment Period</td><td>Typically short coverage periods, such as 5, 10, or 20 years, matching the premium payment period. Often includes renewable terms.</td><td>Premiums paid for a specified term, fixed at the time of purchase, coverage lasts a life time.</td></tr><tr><td>Premium (same coverage amount)</td><td>Lower premium.</td><td>Higher premium.</td></tr><tr><td>Coverage Amount (same premium)</td><td>Higher coverage amount.</td><td>Lower coverage amount.</td></tr></tbody></table>

<p><h2>How to Choose Between Term and Whole Life Insurance?</h2></p><h3>1. Affordability of Premiums and Coverage</h3><p>If you are the main financial provider in your family, responsible for raising children, caring for parents, and repaying loans, and find it difficult to commit to higher insurance premiums, consider using term life insurance for basic protection. Term insurance offers flexibility in choosing the coverage period, ensuring protection without too much financial burden.</p><p>On the other hand, if you are financially secured, and in need of a higher coverage amount and longer protection period, while also wishing to use insurance as a tool for savings and wealth accumulation, whole life insurance would be the better option.</p><h3>2.Needed Coverage Duration</h3><p>Assume you are 30 this year, and buying a term life policy with a 20-year coverage period will be insured from age 30 to 50. Upon policy expiration, renewal will be needed to maintain coverage, and the premiums will be adjusted based on age. Meanwhile, whole life insurance's premiums are set at the time of purchase the amount will not change and coverage remains valid for life, regardless of any future health changes, eliminating the risk of insurance lapse.<span><strong></strong></span></p><h2>Things to Note When Buying Life Insurance</h2><h3>Cooling-off Period<span></span></h3><p>Most life insurance policies offer a 21-day cooling-off period, allowing policy owners to review the policy terms thoroughly. If you decide to cancel the policy during this period, you can notify the insurer in writing and receive a refund of all premiums and levies paid (excluding interest).</p><h3>Exclusions<span></span></h3><p>One common exclusion in life insurance is death caused by suicide within the first 12 or 13 months after the policy becomes effective.</p><p>In conclusion, life insurance mainly serves as a financial protection to lessen the impact of losing a family's economic pillar. Therefore, it is essential to choose a suitable policy based on your financial situation and stage of life. <span></span></p>

<h2>FWD Term Life Insurance</h2><p>FWD's MyTerm Plus Term Life Insurance Plan (MyTerm Plus)<sup>1 </sup>is a pure term life insurance.  It offers coverage of up to HK$8 million<sup>2</sup>, with a total compensation amount of up to HK$24 million <sup>3</sup>. It provides flexible renewal options of yearly ;or 10-year, allowing you to make decisions based on your mortgage repayment period or other protection needs. During the 10-year renewal term, the premium rate remains level and guaranteed not to change<sup>4</sup>.</p>

<ol><li>MyTerm&nbsp;Plus is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) ("FWD&nbsp;Life"). &nbsp;</li><li>If the age of the insured is 52 – 66 (age next birthday), the&nbsp;maximum&nbsp;sum insured (per&nbsp;MyTerm&nbsp;series per insured) is HK$3,500,000.&nbsp;</li><li>Assuming that the sum insured of the Insured is HK$8 million, if the Insured dies unexpectedly due to a specified accident, FWD will pay: a) a death benefit of 100% of the total sum insured; plus b) Additional accidental death benefit of 100% of the total sum insured; plus c) Double indemnity benefit of 100% of the total sum insured. The total amount payable is up to 300% of the total sum insured, which is HK$24 million. The relevant payout must meet the specified requirement(s) and is only applicable to&nbsp;MyTerm&nbsp;Plus Term Life Insurance Plan – Superior. Please refer to the policy terms for details.&nbsp;</li><li>The premium rates upon renewal are not guaranteed and will be determined at our sole discretion based on factors including but not limited to the age of the insured on his or her next birthday at the time of renewal, claims experience and policy persistency from all policies under this product. However, within each of the renewable period, the premium rate is guaranteed.&nbsp;</li></ol><p>The product information on this website does not contain full terms and conditions, key&nbsp;product&nbsp;risks&nbsp;and&nbsp;full list of exclusions of the policy. For the details of benefits and key product risks, please refer to the product brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the plan. You should not purchase the plan solely based on the information on this webpage. &nbsp;</p><p>The above information is provided&nbsp;by FWD&nbsp;Financial&nbsp;Limited ("FWD Financial") (License Number: FA2568) for reference only.&nbsp;It&nbsp;does&nbsp;not constitute an offer to buy or sell any insurance products outside of Hong Kong.&nbsp;Before&nbsp;purchasing&nbsp;any&nbsp;insurance product, you should understand your needs and affordability, read the policy carefully, and select suitable product. &nbsp;FWD Financial is an appointed insurance agency&nbsp;of FWD&nbsp;Life. &nbsp;FWD Financial,&nbsp;FWD Life, their subsiding companies or their respective directors or employees make no express or implied&nbsp;representations,&nbsp;statements&nbsp;or&nbsp;warranties as to the&nbsp;accuracy,&nbsp;completeness&nbsp;or&nbsp;suitability for any particular purpose of the information provided. In no event shall FWD Financial,&nbsp;FWD Life, their subsiding companies or their respective directors or employees liable in any way for any consequences resulting from the use or reliance upon&nbsp;this&nbsp;article,&nbsp;and&nbsp;shall&nbsp;not incur any legal liability (including third-party liability). Users should evaluate all the information contained in this article and seek independent professional advice. &nbsp;</p>

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FWD Online Lucky Draw | Apply for online insurance to get a chance to win!

(Campaign has ended) You are entitled to the FWD Online Lucky Draw campaign automatically upon applying an insurance policy through FWD Online Insurance Platform!

<p>FWD Online Lucky Draw has ended. Winners will receive the winning notification and prize redemption details via email. </p><p>(As Deliveroo, the original supplier of the “6th Prize”, has ceased operations in Hong Kong, the prize will be replaced with Starbucks e-Gift Certificate of equivalent value. )</p><p></p><p><a href="https://assets.contentstack.io/v3/assets/blt563fac53dd3a847c/bltc53f003c238b3b3c/LuckyDraw-WinnerAnnoucement-website.pdf" target="_self">Click here to view the lucky draw result</a></p><h2>Get a comprehensive protection and earn a chance to win!</h2><p>From now on, you are entitled to the FWD Online Lucky Draw campaign automatically upon applying an insurance policy through <a href="https://www.fwd.com.hk/online-insurance/en/" target="_blank">FWD Online Insurance Platform</a>!</p><p>Stand a chance to win the latest smartphone, Osaka round-trip flight tickets for 2, and many more fabulous gifts, with a total of 888 prizes available!</p><p>No limit in the chance of draws! The more insurance policies you apply for, the more draw chances you can have!</p><h3><u><strong>Promotion Period</strong></u>&nbsp;</h3><p>6 January 2025 (00:00) to 12 March 2025 (23:59)&nbsp;</p><h3><u><strong>How to join&nbsp;</strong></u>&nbsp;</h3><p>During the promotion period, apply <u><strong>designated insurance policies</strong></u> through <a href="https://www.fwd.com.hk/online-insurance/en/" target="_blank"><strong>FWD Online Insurance Platform</strong></a><strong> </strong>to be entitled into the FWD Online Lucky Draw!&nbsp;</p><p></p><table><thead><tr><th>Designated Insurance Policies</th></tr></thead><tbody><tr><td><ul><li><a href="https://www.fwd.com.hk/online-insurance/term-life/en/" target="_blank">MyTerm Plus Term Life Insurance Plan</a></li><li><a href="https://www.fwd.com.hk/online-insurance/term-critical-illness/en/" target="_blank">MyCover Critical Illness Plan</a></li><li><a href="https://www.fwd.com.hk/online-insurance/vhis-vprime-medical-plan/en/" target="_blank">vPrime Medical Plan</a></li><li><a href="https://www.fwd.com.hk/online-insurance/vhis-vcare-medical-plan/en/" target="_blank">vCare Medical Plan</a></li><li><a href="https://www.fwd.com.hk/online-insurance/mymillion-medical/en/" target="_blank">MyMillion Medical Plan</a></li><li><a href="https://www.fwd.com.hk/online-insurance/cancer-cansurance/en/" target="_blank">CANsurance Cancer Protection Plan</a></li><li><a href="https://www.fwd.com.hk/online-insurance/mysafe-accident-protection-plan/en/" target="_blank">MySafe Accident Protection Plan</a></li><li><a href="https://www.fwd.com.hk/online-insurance/easy-wealthplus-endowment-plan-2/en/" target="_blank">Easy WealthPlus Endowment Plan 2</a></li><li><a href="https://www.fwd.com.hk/online-insurance/healthy-plus/en/" target="_blank">Healthy Plus Refundable Hospital Income Plan</a></li><li><a href="https://www.fwd.com.hk/online-insurance/mytravel-insurance/en/" target="_blank">MyTravel Insurance (Single Trip / Annual)</a></li></ul></td></tr></tbody></table><h3>🧡1 draw chance for each insurance policy application</h3><h3>🧡1 extra draw chance for existing life customers of FWD Online Insurance Platform upon application</h3><h3>🧡1 extra draw chance for the following insurance products:</h3><p></p><a href="https://www.fwd.com.hk/online-insurance/online-promotions/en/" target="_blank"><img alt="FWD_Lucky_draw_campaign_page_en_product.jpg" src="https://images.contentstack.io/v3/assets/blt563fac53dd3a847c/bltab4a33b62b6e101b/6777ad62933567b621414f3d/FWD_Lucky_draw_campaign_page_en_product.jpg" height="auto"/></a><h2>Prize List</h2><img src="https://images.contentstack.io/v3/assets/blt563fac53dd3a847c/bltd587228dfe3d5e3c/6777ad9ba167d05b29da31cc/FWD_Lucky_draw_campaign_page_en_part2-0103.jpg" alt="FWD_Lucky_draw_campaign_page_en_part2-0103.jpg" height="auto"/><h2>Want more lucky draw chances? Take a look at the example below:</h2><h3>No limit in the chance of draws!</h3><p>The more insurance policies you apply for, the more draw chances you can have!</p><p></p><img src="https://images.contentstack.io/v3/assets/blt563fac53dd3a847c/bltb69de12c79717a01/677b37938f5c6e6e2aaf60e6/Image.jpg" alt="Image.jpg" height="auto"/>

<p><a href="https://assets.contentstack.io/v3/assets/blt563fac53dd3a847c/bltcb37fc2777a2cb60/LuckyDraw-TnC.pdf" target="_blank">Terms and Conditions</a></p>

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FWD Be True

What’s more, we are going to seek truth from facts, demonstrating our dedication to insurance excellence through our genuinely designed products, heartfelt services and authentic data.

<h2>FWD Be True</h2><p>Expressing true thoughts and feelings is impactful. We connect, resonate and get inspired through candid conversations.</p><p>At FWD, we embrace the spirit of speaking one’s mind. We listen to what people really think and share their thoughts just as they are – nothing more, nothing less. Be you, be true and be frank with us.</p><p>What’s more, we are going to seek truth from facts, demonstrating our dedication to insurance excellence through our genuinely designed products, heartfelt services and authentic data.</p>

<h2>Ivan, the ultimate people-pleaser, says, “I’m your dedicated organising guru at your service.”</h2><p></p><p>Say goodbye to Ivan and enjoy the ultimate convenience with <a href="https://www.fwd.com.hk/en/fwd-eservices/?utm_source=blog&utm_medium=blog-cta&utm_campaign=10life&utm_content=fwd-be-true" target="_self">FWD eServices</a><sup>9</sup>. It’s your all-in-one platform to manage insurance policies, file claims, find doctors, and more.</p>

<h2>Sharon, a company veteran, says "Is there anything you've been passionately pursuing for 10 years?”</h2><p></p><p>FWD has been firmly rooted in Hong Kong for over 10 years! Since we started out in this dynamic city in 1977, we’ve been changing the way people feel about insurance through our customer-led approach and digitally-enabled experiences.</p><ul><li>No. 1 by percentage growth of life insurance intermediaries’ headcount in Hong Kong.<sup>1</sup></li><li>New business sales from local customers soared by nearly 20% YoY,<sup>2</sup> outperforming the industry.</li></ul>

<h2>Mrs. Chan, a frequent market shopper, says, “Fingers crossed that I’d never have to file a claim!“</h2><p></p><p>Mr. Chan from FWD’s claims department: “But with FWD, if you ever have to, you can file claims, get approval and receive prompt payment in as fast as 37 seconds!"<sup>3</sup> </p>

<h2>Zoey, a fashion and beauty enthusiast, says, “It’s impossible to get concert tickets!”</h2><p></p><p>Over 910,000 people enjoyed 26 concerts and events through <a href="https://fwdmax.fwd.com.hk/?utm_source=blog&utm_medium=blog-cta&utm_campaign=10life&utm_content=fwd-be-true#/" target="_self">FWD MAX</a> last year. Can't get a ticket this time? We’ve got you covered for the next shows – register for a free membership now to get a HK$50 supermarket voucher, 250 MAX points<sup>4</sup> and a chance to enter lucky draws for show tickets!</p>

<h2>Katie, a busy office worker, says, “Everything is urgent! Do you think things can be done with just a click?”</h2><p></p><p>FWD makes the insurance journey easy! From medical, life, home to travel, <a href="https://www.fwd.com.hk/online-insurance/en/" target="_self">FWD online insurance platform</a> covers it all with expert support. Take some time to think about the protection you need with FWD. Get insurance protection in just one click!</p><p></p><p>Apply online with the promo code "BeTrue" for up to 70% off your first-year premium!<sup>5</sup></p>

<h2>Michelle, a hopeless romantic, says, "I want no gap in our relationship!"</h2><p><a href="https://www.fwd.com.hk/en/vhis/vprimesignature/?utm_source=blog&utm_medium=blog-cta&utm_campaign=10life&utm_content=fwd-be-true" target="_self">FWD’s vPrime Signature Medical Plan</a> bridges the gap in your health protection coverage and extends strong support, offering:</p><ul><li>Up to HK$16 million in Annual Benefit Limit<sup>6</sup></li><li>6 flexible Deductible options<sup>7</sup></li><li>Waived Deductibles for designated crises<sup>8</sup></li></ul><p></p><p>VHIS provider registration number: 00036; vPrime Signature Medical Plan VHIS Plan Certification Number: F00070; vPrime Signature Medical Plan is a Flexi Plan certified by the Government under the Voluntary Health Insurance Scheme (“VHIS”) and is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability). The above product information does not include the complete terms and conditions of the policy and is subject to the terms and conditions of the relevant plan. For details on the specific features, benefits and complete terms and conditions, exclusions and major product risks of the above life insurance product, please refer to the FWD HK website, the relevant product brochures and policy terms. Before proceeding, please confirm you understand this product’s features and that it fits your need(s). This promotion material is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell, a solicitation to buy or the provision of any insurance products of FWD Life outside Hong Kong. All selling and application procedures of the promotion must be conducted and completed in Hong Kong.</p>

<h2>Mimi, an office social butterfly, says, “We must get together for a drink sometime!”</h2><p></p><p>However, that would probably never happen. At FWD, we truly mean what we say. Our customer support team is dedicated to offer immediate solutions to customers’ questions and issues, reaching a first-contact resolution rate of 98%.<sup>10</sup></p>

<h2>Auntie Wah, a cleaner at a radio station, says, “Another “participation award”? I’m good, thanks.”</h2><p></p><p>FWD is the only insurer recognised as “10Life Health Insurer of the Year” and receives the most 5-star ratings - a total of 16 - in Hong Kong for its health protection products.<sup>11</sup> This’s definitely a prestigious accolade!</p>

<h2>David, a second-generation rich who extends his love to his sweetheart’s family, says, “Only money matters? What about love?”</h2><p></p><p>FWD goes beyond claims. From preventation, treatment to recovery, FWD Care provides physical and mental support to you and your family.</p>

<h2>Ah Keung, a binge-watcher and a music lover, says, “Of course I have family subscriptions for music and streaming services.”</h2><p></p><p>Now it’s time to think about a plan that offers protection for you and your children.</p><p>Here at FWD, one plan can benefit two generations.</p><h3><a href="https://www.fwd.com.hk/en/vhis/vfamily/?utm_source=blog&utm_medium=blog-cta&utm_campaign=10life&utm_content=fwd-be-true" target="_self">vFamily Medical Plan (VHIS)</a></h3><ul><li>Worldwide<sup>13 </sup>full coverage<sup>14</sup> for a wide range of hospitalisation and surgical expenses</li><li>Extra rewards for staying healthy and enjoying individual and famliy’s no claims premium discount available up to 30%</li></ul><h3>Family Booster for Child Option<sup>15</sup> offers optional benefits without the need of providing health evidence, a first-in-Hong Kong<sup>16</sup> initiative.</h3><ul><li>The coverage for each of your current and/or future children will remain effective until he/she reaches age 19 (attained age)</li><li><p>Includes the option to apply for a designated medical plan<sup>17</sup> for your child at specified ages</p></li></ul><p></p><p>vFamily Medical Plan is a Flexi Plan certified by the Government under the Voluntary Health Insurance Scheme (“VHIS”) and is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (VHIS provider registration number: 00036). Family Booster for Child Option is an optional benefit selected by the policyholder at the time of application and is not part of the VHIS Certified Plan – vFamily Medical Plan. Individual and extra no claims premium discounts are not applicable to the premium of Family Booster for Child Option. Any benefit amount(s) paid under the Family Booster for Child Option shall not be counted towards any benefit limit(s) as applicable under vFamily Medical Plan and shall not affect the coverage available to the Insured Person and/or the eligibility of no claims premium discount under vFamily Medical Plan. The product information above does not contain and is subject to the full terms and benefits of the policy. For the policy benefits, coverage benefits, full terms, exclusions and key product risks of the above life insurance plans, please visit our corporate website or refer to the relevant product brochures and the policy provisions. Before proceeding, please confirm you understand this product’s features and that it fits your need(s). This advertising material is intended to be distributed in the Hong Kong Special Administrative Region only and shall not be construed as an offer to sell, a solicitation to buy or the provision of any insurance products of FWD outside the Hong Kong Special Administrative Region. All selling and application procedures of the product must be conducted and completed in the Hong Kong Special Administrative Region.</p>

<ol><li>Based on Pi Financial Services Intelligence report - September 2022 and September 2023. Non-bank insurers only.</li><li>Provisional Statistics on Hong Kong Long Term Insurance Business - January to September 2022 and January to September 2023, Insurance Authority of Hong Kong. The calculation combines the new business sales from local customers for individual and group businesses.</li><li> “You can receive claims approvals and get paid in just 37 seconds” refers to Instant claims service in FWD eServices. This includes FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) personal accident claims and hospitalisation claims up to HK$5,000 and HK$10,000 respectively. </li><li>The promotional code for new members is limited to a single use. Rewards are limited and available on a first-come, first-served basis. Once redeemed, the offer will cease. Participants are bound by the terms and conditions. The data provided represents the total interaction count at concerts and events sponsored or supported by FWD Life Insurance Company (Bermuda) Limited  (incorporated in Bermuda with limited liability) in 2023.</li><li>The above content is sponsored/presented by FWD Financial Limited (“FWD Financial”). FWD Online Insurance Platform (https://www.fwd.com.hk/online-insurance/) is operated by FWD Financial. FWD Financial (licence no. FA2568) is an appointed and licensed insurance agent of FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) and Bolttech Insurance (Hong Kong). This promotion material is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell, a solicitation to buy or the provision of any insurance products of FWD Life outside Hong Kong. All selling and application procedures of the promotion must be conducted and completed in Hong Kong. For the actual premium discount, please see FWD Online Insurance Platform for the offer’s terms and conditions. Before proceeding, please confirm you understand this product’s features and that it fits your need(s).</li><li>The benefit limit is up to HK$11 million (Standard Benefit Level) or HK$16 million (Superior Benefit Level) per Policy Year, and there is no lifetime benefit limit.</li><li>Deductible shall mean a fixed amount of Eligible Expenses or expenses that, in a Policy Year, the policyholder must pay before FWD shall reimburse the remaining Eligible Expenses or remaining expenses.</li><li>For the definition of the designated crises, 90-day waiting period, and other benefit details, please refer to the Supplement – First-dollar coverage – Deductible waived for designated crises of the Policy provisions.</li><li>FWD eServices is owned by FWD Financial Limited (licence no.FA2568). FWD Financial Limited is an appointed and licensed insurance agent of FWD Life Insurance Company (Bermuda) Limited and Bolttech Insurance (Hong Kong) Company Limited . It is also authorised by the Hong Kong Insurance Authority to carry out general and long-term insurance business in Hong Kong (including investment-linked long term insurance policies). To use FWD eServices, users must be our policyholders and register on our website or application. We will ensure that FWD eServices provides the latest and accurate information.</li><li>The above data represents the first-contact resolution rate of FWD’s customer support team in 2023 based on internal statistics.</li><li>10Life calculates the estimated average coverage rate and makes ratings based on the publicly available information of insurance companies. For details, please refer to the 10Life website. The Information Is only a statement made by FWD Life Insurance based on the information on the 10Life website and its understanding of it. FWD Life Insurance does not assume any responsibility for any errors or omissions. The information is as of January 15, 2024. The product series that have received a 5-star rating are the vBooster Medical Plan, vPrime Signature Medical Plan, vTheOne Medical Plan (Premier and Standard Plus), Crisis OneMaster Series, and Crisis USupporter/Crisis USupporter Pro. vBooster Medical Plan (Certification Number: F00069), vPrime Signature Medical Plan (Certification Number: F00070) and vTheOne Medical Planthe (Premier and Standard Plus) (Certification Number: F00067) are Flexi Plans under the Voluntary Health Insurance Scheme (“VHIS”) and are underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (VHIS provider registration number: 00036).</li><li>FWD Care is arranged by FWD Life Insurance (Bermuda) Company Limited (incorporated in Bermuda with limited liability) (“FWD”) and is provided by third-party service providers. FWD will not be responsible or liable for any services offered by the third-party providers under the plan. This service is not a part of the policy or benefit item under the policy provisions of FWD insurance products. This service is only available in Hong Kong Region.</li><li>Eligible Expenses incurred for psychiatric treatments, cash benefit for Confinement in Intensive Care Unit in Hong Kong and cash benefit for Confinement in Intensive Care Unit in Hong Kong due to pregnancy complications shall only be payable for Confinement in Hong Kong. Please refer to Section 3(l) of Part 6 of the Terms and Benefits and Sections 8 and 9 of the Supplement – Other benefits under the Policy provisions for details.</li><li>Full cover / Full coverage shall mean no itemised benefit sublimit, the actual amount of Eligible Expenses and other expenses charged is subject to the aggregate limit per Disability per Policy Year. Full cover / Full coverage applies to selected benefit items only. </li><li>Not only does the insured person of vFamily Medical Plan can enjoy comprehensive protection, each of the Insured Person’s current and/or future children will be entitled to the benefits and/or rights under the Family Booster for Child Option upon approval of the policyholder’s nomination for the covered child. Subject to relevant  waiting period, benefit limit (if applicable) and terms and conditions. </li><li>Per a comparison made by FWD Life on 4 March 2024 among the medical plans of key insurers available in Hong Kong.</li><li>This option is only applicable if the Family Booster for Child Option has been in force for at least 2 consecutive Policy Years from the Family Booster for Child Option Effective Date</li></ol><p></p><p>The product information above does not contain and is subject to the full terms and benefits of the policy. For the policy benefits, coverage benefits, full terms, exclusions and key product risks of the above products, please visit our corporate website or refer to the relevant product brochures and the policy provisions. This material is intended to be distributed in the Hong Kong Special Administrative Region only and shall not be construed as an offer to sell, a solicitation to buy or the provision of any insurance products of FWD outside the Hong Kong Special Administrative Region. All selling and application procedures of the product must be conducted and completed in the Hong Kong Special Administrative Region. Before proceeding, please confirm you understand this product’s features and that it fits your need(s).</p><p></p><p></p><p>The information above is provided by FWD Financial Limited (“FWD Financial”) and FWD Life Insurance Company (Bermuda) Limited (“FWD Life “), and is intended for reference and general education purpose only. FWD Financial, FWD Life, their subsiding companies or their respective directors or employees make no express or implied representations, statements or warranties as to the accuracy, completeness or suitability for any particular purpose of the information provided.In no event shall FWD Financial, FWD Life, their subsiding companies or their respective directors or employees liable in any way for any consequences resulting from the use or reliance upon this article, and shall not incur any legal liability (including third-party liability). Users should evaluate all the information contained in this article and seek independent professional advice.</p>

FWD 真心唔怕講 | FWD Be True

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Travel Insurance Trip Cancellation: Things You Need to Know 

Trip cancellation is a type of travel insurance coverage, applicable when a trip is cancelled, delayed, or ended early due to unexpected events. Learn more now! 

<p>As travel season approaches, it's time to plan your next adventure. Travel insurance is essential — whether you're heading out for a family trip, a romantic getaway, or a solo exploration. One key consideration is understanding the coverage provided by travel insurance at every stage, especially for trip cancellation, delay, or early termination. FWD highlights everything you need to know about travel insurance, allowing you to handle any situation by adjusting your travel plans with flexibilities.</p><h2>What Is Trip Cancellation in Travel Insurances?</h2><p>Trip cancellation is a common feature in travel insurance, offering protection when unexpected events cause your trip to be canceled, delayed, or cut short.</p><p>Travel insurance typically reimburses prepaid expenses, such as flight tickets. Since flight tickets and accommodation expenses are often non-refundable, it could be very costly if the trip gets canceled, especially when it has been long awaited, making you frustrated and disappointed. With trip cancellation coverage, you can recover some of the costs, minimizing the financial impact of an interrupted or canceled trip.</p><p>Below are 3 common compensation items for trip cancellation:</p><h3>1. Trip Cancellation</h3><p>This is the most common coverage in travel insurance: if you need to cancel your trip before departure due to unexpected events, such as serious injury or the passing of a family member, travel insurance usually covers the related costs.</p><h3>2. Journey Change</h3><p>If you need to change your travel dates, travel insurance may reimburse part of the cost. Please check with the policy to know how much you'll have to bear yourself before buying the travel insurance.</p><h3>3. Returning Early</h3><p>Generally, travel insurance trip cancellation policies cover non-refundable prepaid expenses, but the exact coverage depends on your policy. Some travel insurance policies may only cover non-refundable travel and accommodation costs; others, such as FWD's MyTravel Insurance<sup>1</sup>, offers a more comprehensive coverage, including tour fees or rental car bookings that can't be refunded.</p><h2>How To Claim for Travel Insurance</h2><p>Vacations don't always go as planned. When you need to cancel, delay, or return early from a trip, you can submit a claim to your travel insurance provider. To ensure a faster claim process, it is recommended that you prepare the following supporting documents, and the claim amount will also have to be reasonable:</p><ul><li>Any receipts related to the journey, e.g. tour booking receipt, flight confirmation letter, or boarding pass.</li><li>Original invoices or receipts that list the expenses amount.</li><li>Confirmation letters from travel agencies or airlines that clearly state that prepaid travel costs are non-refundable.</li><li>Medical reports or certifications explaining why a trip can't proceed due to serious illness or injury.</li><li>Death certificate for insured person or family member (if applicable).</li></ul><h2>What Are the Valid Reasons for Trip Cancellation?</h2><p>Travel insurance usually only covers certain recognized reasons for trip cancellation, delay, and prematurely ending your journey, these reasons commonly include:</p><h3>Medical Emergencies</h3><p>You, a travel partner, or a family member is seriously injured or falls seriously ill and cannot travel.</p><h3>Home Damage</h3><p>Your home, or your travel companion's home is severely damaged by fire or natural disaster, needing you to cancel the trip or return early.</p><h3>Flight Cancellations</h3><p>The flight is canceled due to extreme weather at your destination, making your trip impossible to commence.</p><h3>Legal Obligations</h3><p>You are called to serve on a jury or as a court witness during your planned travel dates.</p><p>For example, if you are diagnosed with a serious illness, or a fire broke out at your house during the trip, you may be eligible for travel insurance trip cancellation or journey curtailment claims. Unexpected circumstances may also arise in daily life, such as sudden work arrangements that force you to change your travel plans, but most of these are not included in standard travel insurance coverage. In such cases, you may not be eligible for the protections.</p><h2>Is FWD Travel Insurance Good?</h2><p>If you're looking for a comprehensive travel insurance with broad coverage, FWD could be your best choice. <a href="https://www.fwd.com.hk/online-insurance/mytravel-insurance/en/" target="_blank">FWD MyTravel Insurance</a>'s<sup>1</sup> Superior plan includes "trip insurance cancel for any reason<sup>2,^</sup>", offering broader protection. The "cancel for any reason" clause is primarily composed of two parts:</p><ul><li>Trip cancellation<sup>3</sup> for any reason<sup>2</sup></li><li>Change of travel date<sup>3,4</sup> for any reason<sup>2</sup></li></ul><p>The "cancel for any reason<sup>2,^</sup>" clause covers almost any reason<sup>2</sup> for trip cancellation<sup>3</sup>, delay<sup>3,4</sup>, or early return, even those generally excluded from standard travel insurance trip cancellation policies:</p><ul><li>Pet falling ill and needing close care</li><li>Unforeseen work commitments</li><li>Problems obtaining travel visas on time</li><li>Missing flights due to traffic jams</li><li>Event cancellations at your destination (like concerts)</li><li>Other reasons not typically covered by regular travel insurance products</li></ul><p><sup>^</sup>Subject to the exclusions</p><h3>Special Notes</h3><p>FWD's extensive "cancel for any reason<sup>2,^</sup>" cover is only available if you purchase the superior plan within seven days after your first travel payment. With this coverage, if your trip is cancelled due to work obligations, FWD will let you claim up to 50% of the insured prepaid travel expenses, according to the highest claim limit.</p><h3>Exclusions for "Cancel for Any Reason<sup>2,^</sup>"</h3><p>Some exclusions still apply even under the comprehensive FWD MyTravel Insurance cancel for any reason<sup>2,^ </sup>policy, such as:</p><ul><li>War, civil war, invasion, insurrection, revolution, use of military power or usurpation of government or military power</li><li>Any prohibition or regulations by any government</li><li>Any pre-existing condition, congenital and heredity condition</li><li>Engaging in a professional capacity in any sport where an insured person would or could earn income or remuneration from engaging in such sport as a source of income</li><li>Any loss which has connection with the effects of alcohol or drugs other than those prescribed by a qualified medical practitioner</li></ul><h3>Exploring the world with more confidence</h3><p>While travel is exciting, unpredictable events can ruin your plans. FWD MyTravel Insurance Superior Plan's "cancel for any reason<sup>2,^</sup>" allows you to travel with confidence, knowing you're covered across virtually every situation. Whether your plans change unexpectedly or you simply want more flexibility, a comprehensive travel insurance cancellation cover ensures security at every stage of your journey. Find out more about FWD MyTravel Insurance and trip cancellation options for the ultimate peace of mind.</p><p><sup>^</sup>Subject to the exclusion</p>

<ol><li>MyTravel Insurance is underwritten by&nbsp;bBolttech Insurance (Hong Kong) Company Limited ("bolttech Insurance"). This platform is&nbsp;operated&nbsp;by FWD Financial Limited ("FWD Financial"). FWD Financial is an appointed insurance agency of bolttech Insurance&nbsp;(License Number: FA2568).&nbsp;For the detailed terms,&nbsp;conditions&nbsp;and exclusions of trip cancellation, please refer to the policy provisions.&nbsp;This product is only available for sale in Hong Kong and to Hong Kong residents only.&nbsp;</li><li>To claim under cancellation of journey or change of travel dates for any reasons, your policy must be&nbsp;purchased&nbsp;before or within 7 days from the date you make your&nbsp;initial&nbsp;payment or deposit for your trip, and the cancellation/change must be made prior to the original departure time. Please refer to the policy terms,&nbsp;conditions&nbsp;and exclusions for details.&nbsp;&nbsp;</li><li>Refers to MyTravel Insurance - Superior&nbsp;</li><li>Re-scheduled travel duration days must be equal to or less than the original policy period. If it is less than the original policy period, there will be no refund. The change of travel date must be made prior to the original departure time.&nbsp;</li><li>The Company shall reimburse the Insured Person up to the Sum Insured as stated in the Schedule of Benefits for the unused and forfeited travel cost where the Insured Person has to terminate and cut short the Journey and return to Hong Kong as a result of any of the following reasons: Death or Serious Injury or Serious Sickness of the Insured Person, Traveling Companion and/ or Immediate Family Member; Sudden occurrence of strike by the employees of a Common Carrier, unanticipated outbreak of riot or civil commotion or Natural Disasters or which prevents the Insured Person from continuing with his/ her scheduled Journey. The unexpected issuance of a Black Travel Alert for a destination scheduled in the Journey after this Policy becomes effective and which is in force at any time during the Journey, resulting in curtailment of the Journey.&nbsp;The Company will reimburse up to 100% of Sum Insured as&nbsp;stated&nbsp;in the Schedule of Benefits.&nbsp;The unexpected issuance of a Red Travel Alert for a destination scheduled in the Journey during this Policy effective and which is in force at any time during the Journey, resulting in curtailment of the Journey, the Company will reimburse, up to 50% of the Sum Insured as stated in the Schedule of Benefits.&nbsp;</li></ol><p>The product information on this website does not&nbsp;contain&nbsp;full terms and conditions, key product&nbsp;risks&nbsp;and full list of exclusions of the policy. For the details of benefits and key product risks, please refer to the product brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the plan. You should not&nbsp;purchase&nbsp;the plan solely based on the information on this webpage.&nbsp;</p><p>The above information is provided by&nbsp;FWD Financial&nbsp;for reference only. It&nbsp;does not constitute&nbsp;an offer to buy or sell any insurance products outside of Hong Kong. Before&nbsp;purchasing&nbsp;any insurance product, you should understand your needs and affordability, read the policy carefully, and select suitable product.&nbsp;FWD Financial, bolttech Insurance, their subsiding companies or their respective directors or employees make no express or implied representations,&nbsp;statements&nbsp;or warranties as to the accuracy,&nbsp;completeness&nbsp;or suitability for any particular purpose of the information provided. In no event shall FWD Financial, bolttech Insurance, their subsiding companies or their respective directors or employees liable in any way for any consequences resulting from the use or reliance upon this&nbsp;article, and&nbsp;shall not incur any legal liability (including third-party liability). Users should evaluate all the information contained in this article and seek independent professional advice.</p>

Travel Insurance Trip Cancellation: Things You Need to Know

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How individual insurance differs from company insurance  

Which of these two products is right for you? 

<p>When people fall sick, they usually turn to their personal health insurance or company health medical insurance for financial support to pay for their treatment. In recent years, voluntary health insurance is becoming increasingly popular, why is this so? With a limited budget, what are the differences between voluntary health insurance and traditional individual health insurance? How should we choose between these two insurances?</p><h2>What is the Voluntary Health Insurance Scheme (VHIS)?</h2><p>The VHIS was launched by the Food and Health Bureau of the Hong Kong government on April 1, 2019. Insurance policies approved by the bureau must comply with the frameworks and regulations and provide hospitalisation coverage and personal medical reimbursement. its established framework and regulations. This product is meant to enhance the level of protection offered by medical insurance products, allowing citizens to choose private medical services with insurance coverage, which can eventually help to ease the pressure on public hospitals in the long term.</p><p></p><p>The VHIS is divided into two types of plans, "Standard Plan" and "Flexi Plan". The Standard Plan will need to meet the minimum requirements and provide basic coverage. While the Flexi Plan covers additional protections, such as higher limits, to provide people with more comprehensive coverage.</p><p></p><p>Compared to traditional individual medical insurance, some of the benefits in the VHIS recognized products, for both "Standard Plan" and "Flexi Plan," are particularly noteworthy.</p><p></p><p>The differences between VHIS voluntary health insurance and traditional personal health insurance are:</p><table><colgroup data-width='666'><col style="width:33.7838%"/><col style="width:31.3814%"/><col style="width:34.8348%"/></colgroup><thead><tr><th></th><th><span>VHIS voluntary health insurance</span></th><th><span>Traditional personal health insurance</span></th></tr></thead><tbody><tr><td><p>Tax deduction</p></td><td><p>Possible</p></td><td><p>Not possible</p></td></tr><tr><td><p>Policy renewal</p></td><td><p>Guaranteed renewal of up to 100 years old</p></td><td><p>Policy renewal is dependent on the insured person’s health condition</p></td></tr><tr><td><p>Lifetime benefit limit</p></td><td><ul><li>Not applicable for standard plans</li><li>Depends on individual products for flexible plans</li></ul></td><td><p>Usually applicable</p></td></tr><tr><td><p>Unknown pre-existing conditions at the time of policy application</p></td><td><p>Insured (subject to waiting period)</p></td><td><p>Usually not insured</p></td></tr></tbody></table>

<h3>1. You can apply for tax deduction for premiums:</h3><p>Applying for VHIS allows you to apply for tax deduction. This means that taxpayers who apply for VHIS before 31 March can apply for tax deduction for the premiums paid for themselves and/or their specified relatives.</p><h3>2. Guaranteed renewal until the insured is 100 years old:</h3><p>After the VHIS voluntary health insurance policy takes effect, the insurance is guaranteed to be renewed until the age of 100, regardless of any changes in the health status of the insured.</p><h3>3. The VHIS standard plan does not set a lifetime benefit limit:</h3><p>The VHIS standard plan does not set a "lifetime insurance limit” but has an "annual insurance limit". This means that no matter whether there is a claim, or if the claim exceeds the annual insurance limit in the policy year, in the next policy year the benefit limit will be recalculated and will not be affected by previous claims. On the other hand, the flexible plan depends on individual product design.</p><h3>4. Unknown pre-existing conditions at the time of policy application</h3><p>The VHIS voluntary health insurance covers pre-existing diseases that are unknown at the time of insurance application.</p><h2>Why do I need to purchase additional voluntary health insurance when I already have company health insurance?</h2><p>Many people think they do not need to purchase additional personal medical insurance for themselves as they are already covered by their company’s medical insurance. However, this is the protection gap that many have overlooked.</p><ul><li>Coverage limit:</li></ul><p>For common colds and flu, you will likely head to the clinic to see a doctor. In this case, it would be okay to be reimbursed by the company’s medical insurance. However, most companies’ medical insurance may only provide outpatient, life, and hospitalization coverage. You are unlikely to be able to claim for items such as psychiatric treatment. Furthermore, the company's medical insurance may not be able to fully cover medical expenses for surgery or diseases. Therefore, purchasing voluntary health insurance while being covered by the company’s medical insurance can help reduce the protection gap.</p><ul><li>Guarantee period:</li></ul><p>Most salary workers will experience job changes. From resignation to joining a new company, and even during the probationary period, they may not be able to enjoy their company’s group medical insurance benefits. This period when one is not covered could last for half a year each time they change jobs. Additionally, when one reaches retirement age, it is likely that the company's medical insurance will no longer provide coverage for these employees. Having personal medical insurance will help to maintain protection according to the renewal period of different products. Among these products, the voluntary medical insurance will guarantee renewal until the age of 100, so you will not lose your medical insurance coverage due to work restrictions.</p>

<p></p><ol><li>Source: Cleveland Clinic, "<em>LDL</em>"</li><li>Source: Heart.org, "<em>Silent Ischemia and Ischemic Heart Disease</em>"</li></ol><p>The above information is provided by FWD Financial Limited ("FWD Financial") for reference and educational purposes only. It does not constitute an offer to buy or sell any insurance products outside of Hong Kong. Before purchasing any insurance product, you should understand your needs and affordability, read the policy carefully, and select suitable product. FWD Financial is an appointed insurance agency of FWD Life Insurance (Bermuda) Company Limited (incorporated in Bermuda with limited liability) (“FWD Life”). FWD Financial, FWD Life, their subsiding companies or their respective directors or employees make no express or implied representations, statements or warranties as to the accuracy, completeness or suitability for any particular purpose of the information provided. In no event shall FWD Financial, FWD Life, their subsiding companies or their respective directors or employees liable in any way for any consequences resulting from the use or reliance upon this article, and shall not incur any legal liability (including third-party liability). Users should evaluate all the information contained in this article and seek independent professional advice.</p>

【自願醫保】與傳統個人醫保和公司醫保的分別？ | How individual insurance differs from company insurance

How individual insurance differs from company insurance | FWD HK

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Eczema: can new clothes trigger atopic dermatitis in children?

<p>Many children across the world suffer from Eczema. One of the more commonly known triggers of eczema is the diet of children. However, did you know that children’s clothing also poses a risk of triggering eczema?</p><p>Before diving into why children’s clothing can be a trigger of eczema, let’s first understand what eczema is, and if eczema is the same as atopic dermatitis.</p><h2>What is eczema?</h2><p>Eczema can be referred to as the skin condition that is caused by inflammation and sensitivity. Atopic dermatitis, which mainly affects children and infants, is the most common form of eczema. While the exact cause of atopic dermatitis has still not been fully determined, it is believed to be associated with an abnormal immune system function which responses to certain triggers such as irritants or allergens.</p><p>There is a large variation of symptoms of atopic dermatitis, which may include red, itchy, dry and inflamed skin. In more severe cases of eczema, one’s skin may become swollen, blistered, and may even bleed. The symptoms usually occur on the neck, hands, feet and face, but it is possible that it can appear on any part of the body.</p><p>New clothes can potentially trigger atopic dermatitis in children through various mechanisms. One-way new clothes can trigger eczema is through the use of certain dyes or fabrics that may cause allergies or skin irritation. Synthetic fabrics, specifically, may cause irritation and friction against the skin, triggering the symptoms of eczema. Additionally, during the manufacturing process of these new clothes, there may be certain dyes or chemicals used which could trigger or even worsen eczema symptoms.</p><p>To help reduce the possibility of eczema being triggered by children’s clothing, here are three tips on how you can handle children’s clothing to combat atopic dermatitis in children:</p>

<h2>1. Ensure that there are no dust mites in new clothing through thorough cleaning</h2><p>Dust mites are one of the key reasons for the triggering of an allergy. It is easy for dust mites to appear on clothing if it is not stored properly. To help eliminate dust mites, you can wash the new clothes in hot water, to be exact, water above 55 degrees Celsius before wearing them. Alternatively, if the clothes are not able to be cleaned with heat, the clothing can be placed into an airtight bag and stored in the freezer for 24 hours. This will freeze the dust mites to death. After 24 hours, take the clothes out of the freezer and wash them with cold water.</p><h2>2. Cut off clothing labels</h2><p>Most clothing labels are sewn in sensitive positions such as at the waist or neck. Many times, the labels rub against the skin of children when they run and play, resulting in allergic reactions. To prevent atopic dermatitis from being triggered by children scratching because of the labels, it is recommended for parents to cut off the labels on the clothing and cover the sewn area.</p><h2>3. Wear costumes with “innerwear”</h2><p>It is often that many parents will buy costumes or festive clothing for their children to wear. However, most of these clothes are not made of breathable cotton material, therefore, sweat stays on the surface of the skin, easily triggering atopic eczema. Thus, by wearing cotton underwear as a base layer, it can not only help to absorb sweat, but also separate the skin from irritating material, reducing friction between the skin and the clothing.</p><h2>How can atopic dermatitis be treated?</h2><p>There are many different treatment methods for atopic dermatitis. This could include the use of oral or topical medications to reduce itching and inflammation, as well as to keep the skin hydrated using moisturizers. If is also recommended to avoid triggers of atopic dermatitis which could worsen symptoms, such as certain types of soaps, fabrics, or food.</p><p>The treatment of atopic dermatitis may include the use of topical or oral medications to reduce inflammation and itching, as well as moisturizers to keep the skin hydrated. Avoiding triggers that may exacerbate the symptoms, such as certain foods, soaps, or fabrics, may also be recommended. For an accurate diagnosis and treatment plan, it is important to consult a certified healthcare professional.</p><p>Patients diagnosed with atopic dermatitis or eczema are more prone to viral skin infections such as herpes simplex virus. This is due to the presence of more open wounds on the patient’s skin. As such, this could worsen their eczema condition, resulting in more severe blisters, and in more serious cases, hospitalisation may be required. In such cases when patients need to go to hospitals for treatment, it is most likely that they may need to wait for a long time at public hospitals to get treated. By having comprehensive medical insurance, parents can afford to send their children to private hospitals so that treatment will be done more quickly. Medical insurance would help alleviate the financial burden on parents of sending their children to private hospitals.</p>

<p>The above information is provided by FWD Financial Limited ("FWD Financial") for reference and educational purposes only. It does not constitute an offer to buy or sell any insurance products outside of Hong Kong. Before purchasing any insurance product, you should understand your needs and affordability, read the policy carefully, and select suitable product. FWD Financial is an appointed insurance agency of FWD Life Insurance (Bermuda) Company Limited (incorporated in Bermuda with limited liability) (“FWD Life”). FWD Financial, FWD Life, their subsiding companies or their respective directors or employees make no express or implied representations, statements or warranties as to the accuracy, completeness or suitability for any particular purpose of the information provided. In no event shall FWD Financial, FWD Life, their subsiding companies or their respective directors or employees liable in any way for any consequences resulting from the use or reliance upon this article, and shall not incur any legal liability (including third-party liability). Users should evaluate all the information contained in this article and seek independent professional advice.</p>

【濕疹】新衫或引發兒童異位性皮膚炎？ | Can new clothes trigger eczema in children?

Can new clothes trigger eczema in children? | FWD HK

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Should you cancel or keep your critical illness policy when you immigrate?

<p>When you immigrate, you may be wondering whether or not you should keep your critical illness insurance policy. When you are away from home, you could experience feelings of insecurity more frequently. Changes in one's mental and physical state are typically brought on by travel, in conjunction with other, external environmental influences. So, having insurance coverage while you are traveling overseas might provide you with a sense of security and peace of mind. When you immigrate, what will happen to your health insurance and other plans? Should you cancel your insurance policy before making the move to a new country? If you relocate overseas, will the critical illness insurance policy that you already have continue to be valid for you? The following article will provide answers to these questions.</p><h2>Is coverage under your critical illness insurance plan provided if you travel outside the country?</h2><p>In most cases, critical illness insurance can be purchased anywhere in the world. You do not need to be concerned about being unable to file an insurance claim when traveling outside of the country if you have been diagnosed with a pre-existing condition that is covered by your policy. This applies regardless of where you purchased your policy. If your diagnosis is one that is covered by the policy and you adhere to the terms of the insurance, you will still be able to collect benefits from your critical illness insurance even if you move to another country or travel to another country.</p>

<p>If you are diagnosed with a critical illness while traveling outside of your home country by a local registered doctor, you have the right to submit an insurance claim within the claim period specified by the insurance company after receiving medical treatment or being discharged from the facility where you received treatment. You shall be responsible for submitting the appropriate proof documents in accordance with the requirements outlined in the actual policy terms. However, you should be aware that once the claims process has been finished, the insurance company may only deposit the pay out into the bank account of the nation in which you purchased the policy. This is something that you should keep in mind. It is possible that they will not be able to deposit the payoff into the policy beneficiary's account if it is located outside the country. Consequently, it is essential to verify with the original insurance company first in order to determine whether or not it is necessary to have a bank account from the original nation in order to get the compensation. In addition to this, it is essential to take into consideration whether the beneficiary has been named in the policy. If the beneficiary information has not been provided, the payout from the life insurance policy may, in the tragic event that you pass away, be included as part of the administration of your estate in some countries. Because of this, it is possible that the payout will be liable to inheritance tax, which is levied by the regional government.</p><h2>Before you immigrate, what steps should you take about your critical illness insurance?</h2><p>One of the things that goes into calculating the cost of critical illness insurance is the policyholder's expected length of life. Because of this, the premium for critical illness insurance acquired in nations with a high average life expectancy is typically more affordable, and the coverage is typically transferable to any location in the globe with no restrictions. If you have already purchased your critical illness insurance prior to immigration, you do not need to worry too much about the premium or if the critical illness medical coverage level will be changed. Both of these factors will not be relevant to you.</p><p>As it is quite possible that the insured person's place of residence would change because of immigration, the insurance company may request a re-evaluation of the insured person's status. If the risks faced by the insured person grow because of this, the premium for critical illness insurance may be subject to an increase. Yet, keeping your initial critical illness coverage before you immigrate can allow you to avoid the challenges of re-purchasing insurance after the move. When obtaining a new policy, for instance, the waiting period may be different from one to another depending not only on the illnesses that are covered but also on the insured person's present state of health. If you are diagnosed with a sickness or have symptoms appearing before your new policy goes into effect, it may result in increased rates, have an influence on the coverage provided by your critical illness insurance, or even put you at danger of having coverage denied. Purchasing insurance in your home country before immigrating can help fill the medical gap and save you the hassle of comparing and selecting insurance plans in a foreign country. Purchasing insurance in your home country before immigrating can also save you money.</p>

【移民保險 2023】手上的危疾保單應該退或留 | To keep or not. Should you sell your CI policy?

To keep or not. Should you sell your CI policy? | FWD HK

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Have a low probability of complete recovery after stroke? Here are 5 major sequelae and treatment you can try

See what treatment is available after stroke.

<p>A stroke takes place when the blood supply to the brain is reduced or interrupted, resulting in brain damage. The chances of being able to recover completely after a stroke depends on a myriad of factors, such as the severity and location of the stroke, and the age and general health of the patient.</p><p>Unfortunately, the probability of complete recovery from a stroke is often rather low. Many stroke survivors experience permanent or long-term disabilities, known as sequelae. Below are five common sequelae of stroke and their treatments:</p><h2>1. Weakness or paralysis</h2><p>Stroke survivors experience weakness or even paralysis on one side of their body. They can improve their muscle strength and coordination though physical therapy and rehabilitation.</p><h2>2. Speech problems</h2><p>A stroke can result in difficulty with understanding, speaking or writing a language. Going for speech therapy could help to improve communication skills.</p><h2>3. Cognitive impairments</h2><p>Suffering from a stroke can also affect one’s cognitive function, which includes, problem-solving skills, memory, and attention span. These functions can be improved through cognitive rehabilitation.</p><h2>4. Emotional problems</h2><p>Experiencing anxiety, depression and other emotional problems after stroke is very common. Taking part in support groups, engaging in counselling and taking medications can help to manage these symptoms.</p><h2>5. Swallowing difficulties</h2><p>A stroke can affect one’s ability to swallow, which could result in aspiration pneumonia or choking. Dietary changes and speech therapy can help improve swallowing function.</p><p>Receiving appropriate medical care and rehabilitation as early as possible after a stroke is key in increasing their chances of recovery.</p>

<h2>Stroke Rehabilitation Golden Period<sup>1</sup></h2><p>In the unfortunate scenario where you suffer from the sequelae of stroke, you should seek rehabilitation treatment as early as possible. It is generally believed by the medical committee that the golden period for recovery is three months after a stroke. During this period of time, brain ischemia gradually improves, brain edema, haemorrhage and pressure slowly returns to normal. In fact, there is still a lot of recovery happening in brain conditions after the first three months. The first six months after a stroke are also a critical period for recovery.</p><p>During this stage of stoke treatment, the focus is to help restructure the brain’s internal structure and function, as well as teaching patients to relearn how to use their limbs. For stroke patients with more serious conditions, significant improvement can still be achieved with a longer training period.</p><h2>Stroke Rehabilitation Treatment<sup>2,3</sup></h2><p>Our brain has a self-remodelling characteristic, as such various trainings and stimulations can help rebuild the damaged brain neuron connection network, thereby restoring the stroke patient’s ability to take part in activities. One key method of stroke rehabilitation involves engaging in physical therapy. Physical therapy can help stroke patients to improve self-care abilities, relearn limb control skills and integrate back into their work and daily social life. Some examples of physical therapy include walking training and gait correction.</p><p>On top of physical therapy, stroke rehabilitation treatment also includes occupational therapy. This focuses on targeting training of cognitive abilities. For instance, selecting and designing suitable assistive equipment according to the patient's needs can improve their autonomy and independence in their daily life. Another stroke rehabilitation treatment is speech therapy, where it focuses on training various muscles in the oral cavity, helping to improve speech clarity and reduce swallowing difficulties.</p><h2>Do you have enough financial protection in case of a stroke?</h2><p>It is likely that stroke recovery requires a large amount of time, which could be a major impact on your work. Having a critical illness insurance plan can provide you with financial support, relieving you of your financial burden so you can focus on your recovery.</p>

<p></p><ol><li>Source: Doctor Now, “<em>[Stroke rehabilitation] Understanding post-stroke difficulties</em>”</li><li>Source: Rehabaid Society, “<em>Storke rehabilitation physiotherapy</em>”</li><li>Source: Hong Kong Adventist Hospital, “<em>Head stroke</em>”</li></ol><p>The above information is provided by FWD Financial Limited ("FWD Financial") for reference and educational purposes only. It does not constitute an offer to buy or sell any insurance products outside of Hong Kong. Before purchasing any insurance product, you should understand your needs and affordability, read the policy carefully, and select suitable product. FWD Financial is an appointed insurance agency of FWD Life Insurance (Bermuda) Company Limited (incorporated in Bermuda with limited liability) (“FWD Life”). FWD Financial, FWD Life, their subsiding companies or their respective directors or employees make no express or implied representations, statements or warranties as to the accuracy, completeness or suitability for any particular purpose of the information provided. In no event shall FWD Financial, FWD Life, their subsiding companies or their respective directors or employees liable in any way for any consequences resulting from the use or reliance upon this article, and shall not incur any legal liability (including third-party liability). Users should evaluate all the information contained in this article and seek independent professional advice.</p>

【中風】完全康復機率微？5大後遺症及治療 | Managing stroke with low chance of complete recovery

Managing stroke with low chance of complete recovery | FWD HK

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Medical insurance vs critical illness insurance - what is the difference? What is voluntary health insurance?

<p>While both medical insurance and critical illness insurance provide health protection to the insured, they are fundamentally different types of insurance which have different types of purposes, compensation methods and coverage. So, what exactly is the difference between these two types of insurance? In today’s article, we will be running through the differences and help you to identify what you should pay attention to when purchasing insurance.</p><h2>3 key differences between medical insurance and critical illness insurance</h2><h3>1. Purpose of insurance</h3><p>Medical insurance supports you financially for the payment of your medical expenses. It allows you to receive reimbursement for medical expenses such as hospitalization, surgical fees, and rehabilitation during your treatment period.</p><p>You will also be able to choose the medical services that you prefer based on the compensation limit of your policy. On the other hand, critical illness insurance emphasizes being able to receive financial support should one be diagnosed with a serious illness. Once diagnosed with any of the illnesses covered under the critical illness policy, you will receive a lump-sum cash pay-out. Whether you will want to use this money to help cope with daily living expenses or use it to pay for your medical expenses, it is entirely up to you. This helps to reduce the economic pressure of not being able to work due to your illness.</p><h3>2. Compensation method</h3><p>Another difference between medical insurance and critical illness insurance is their compensation method. Most medical insurance uses a "pay-first claim-later" format, where the insured pays for the medical expenses first and then applies for remuneration from the insurance company based on the expenses incurred. The insurance company would then compensate you based on the coverage limit of your policy. Should your coverage limit be higher than the medical expenses incurred, you will only be compensated based on your medical bill.</p><p>In contrast, a critical illness insurance policy gives you a pay out as long as you are diagnosed with an illness under the policy. The amount received will be lump-sum compensation, which is the sum insured by the policy. With this payout, you will have more cash to help you cope with your daily expenses or any unexpected expenses when you are ill.</p><h3>3. Insurance coverage</h3><p>As for coverage, medical insurance covers mainly medical expenses such as hospitalisation, surgery and rehabilitation. However, such medical insurance generally does not cover mental illnesses. Critical illness insurance is generally divided into two different types of insurance, regular critical illness insurance and lifetime critical illness insurance. The policy terminates after reaching a specified compensation limit. In general, critical illness insurance covers common serious illnesses such as heart disease, cancer, and stroke. The specific number of critical illnesses covered would depend on the individual policy terms.</p>

<h2>What is voluntary medical insurance scheme?</h2><p>In recent years, we often hear about the Voluntary Health Insurance Scheme (VHIS) product, which is a type of medical insurance which falls under the category of personal hospitalization indemnity insurance products. The government aims to encourage more people to purchase this insurance by through the unique features of this voluntary medical insurance. Through this voluntary medical insurance, you can not only enjoy real-time medical coverage, receive treatment as early as possible, but also be able to apply for tax reductions and experience quicker waiting times in public hospitals. Since the voluntary medical insurance scheme was launched, it has received good responses from the public. The number of policies purchased under the government's voluntary medical insurance plan has exceeded 790,000 as of March 2021.</p><p>In addition to providing cost savings to policyholders, the launch of Hong Kong's voluntary medical insurance program helps in addressing many of the gaps in critical illness and traditional medical insurance plans in the market. For example, the voluntary medical insurance can guarantee coverage up till the age of 100, cover unknown pre-existing conditions at the time of enrolment, and cover the cost of psychiatric treatment in Hong Kong hospitals. As some medical insurance products also do not have a lifetime coverage limit, this allows you to get more comprehensive coverage. If you require medical insurance, it is worth taking some time to understand if this voluntary medical insurance is suitable for you.</p><h2>Voluntary medical insurance scheme or critical illness insurance – can you only choose one?</h2><p>Many people in the process of purchasing insurance may find it difficult deciding between a voluntary medical insurance scheme and critical illness insurance, as both have their benefits. However, a voluntary medical insurance scheme and critical illness insurance are not in conflict with each other and can even serve as complements. For example, a lump sum payout from one’s critical illness insurance can help in reducing financial pressure on the insured person upon being diagnosed with a critical illness. With medical costs soaring, having just a critical illness insurance alone may not be sufficient. It is likely that you will also need to purchase a voluntary medical insurance scheme to cover the high hospitalization and medical expenses in the future.</p><p>To cope with the potentially high future medical expenses related to critical illnesses, having a voluntary medical insurance scheme may be one of your choices.</p>

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