Total Care Accident Protection Plan

We take precautions in life to ensure the safety of our family and ourselves. However, Accidents could still happen without warning and beyond our control. FWD supports you and your family through the unexpected adversities. The Total Care Accident Protection Plan / Total Care Accident Protection Rider provides different accident protection including accidental death, dismemberment, disability and hospitalisation.


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Disclaimer: The features above are indicative only. Please refer to the Product Brochure for details. For a complete explanation of the terms and conditions, please call our Service Hotline at +852 3123 3123.


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  • I understand that my personal data collected by FWD Life Insurance Company (Bermuda) Limited (“FWD Life”) will be used to provide further services in relation to this form.
  1. The Accidental Death and Dismemberment (please refer to the Schedule of Benefits on page 6 of the product brochure) and the Permanent Total Disability must occur within 180 days from the date of Accident. FWD Life Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) ("FWD") will pay the Accidental Death and Dismemberment Benefit and the Permanent Total Disability Benefit, up to a maximum of 100% of the Initial Sum Insured, regardless of the numbers of Accidental Injuries sustained by the Insured. The Plan will end once 100% of the Initial Sum Insured has been paid (when the Sum Insured Limit6 becomes zero). If a claim is payable at an amount that is higher than the Sum Insured Limit6, FWD will only pay the amount of the Sum Insured Limit 6.
  2. The amounts payable in Accidental Death and Dismemberment Benefit1 and Permanent Total Disability Benefit 1, 3, 4 are doubled if the Insured sustains an Accidental Injury under one of the following conditions:
    • While the Insured is a fare-paying passenger on any public conveyance licensed to carry passengers;
    • In a fire in a public building including theatre, public auditorium, licensed hotel or guesthouse, school, Hospital, restaurant, shopping mall and public transport station. The Insured must be in the building when the fire starts;
    • In an elevator (apart from an elevators in a mine or construction sites);
    • As a result of being stuck by a motorized vehicle while being a pedestrian; or
    • As a result of earthquake, natural flooding or landslide.

  3. Physician should have certified that the Insured is beyond any reasonable hope of improvement from such disability before FWD starts making the payments of a) monthly benefit; and b) Sum Insured Limit6.
  4. Permanent Total Disability Benefit (not applicable if the Insured is under age 19 at next birthday on the date of the Accident)
    • 1% of the Initial Sum Insured is payable each month during the continuation of such disability from the 13th month after the date on which the Insured suffers an Accidental Injury that leads to Permanent Total Disability, subject to a maximum of 18 months. Premium of this Plan will be waived7 when Permanent Total Disability Benefit  is payable.
    • The Plan will pay a lump sum payment equivalent to the Sum Insured Limit6 if the Permanent Total Disability continues after such 18 months (i.e. on the 31st month from the date of the Accidental Injury).
  5. Amounts payable for Accidental Death and Dismemberment Benefit 1 and Permanent Total Disability Benefit 1, 3, 4 will be increased by the respective Renewal Bonus rate. The Renewal Bonus rate starts from 5% effective from the 1st Policy Anniversary and the rate will be increased annually by 5% up to a maximum rate of 25% and without charging extra premium.
    The applicable Renewal Bonus rate is determined by the date that the claim is incurred.

    Renewal Bonus rate

    Effective since

    Applicable period

    5%

    1st Policy Anniversary

    2nd Policy Year

    10%

    2nd Policy Anniversary

    3rd Policy Year

    15%

    3rd Policy Anniversary

    4th Policy Year

    20%

    4th Policy Anniversary

    5th Policy Year

    25%

    5th Policy Anniversary

    6th Policy Year and thereafter

  6. Sum Insured Limit is equivalent to the Initial Sum Insured less any benefit paid under Accidental Death and Dismemberment Benefit and Permanent Total Disability Benefit. The Sum Insured Limit becomes zero once 100% of the Initial Sum Insured is paid.
  7. Total Care Accident Protection Plan: Premium of basic plan will be waived, payment of the premium of rider(s) (if any) are required. Total Care Accident Protection Rider: Premium of Total Care Accident Protection Rider will be waived, payment of the premium of Basic Policy and other riders (if applicable) are required.

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