Looking forward for the future with your loved ones? In hopes of having the wonderful life you deserve, you need suitable protection that will empower you to face any challenges that may lie ahead with confidence. Crisis OneCover from FWD is designed to help take the uncertainty out of your journey while supporting you with a team of professionals in a dedicated package.

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Disclaimer: The features above are indicative only. Please refer to the Product Brochure and Policy Provisions for details and key product risks. For a complete explanation of the terms and conditions, please call our 24-hour Service Hotline at +852 3123 3123..


By submitting this form, 
  • I have read and understood the Personal Information Collection Statement and agree to be bound by it. 
  • I understand that my personal data collected by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) will be used to provide further services in relation to this form.
  1. This maximum benefit percentage shows the maximum benefits that may be payable under the policy. It is 1000% of the Initial Sum Insured.
  2. FWD Life Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) ("FWD") shall not pay the Multiple Crisis Benefit or Benign Tumour Extra Benefit where the symptoms appear, the condition occurs or the diagnosis relating to the relevant Major Crisis, Serious Disease, Juvenile Disease or Benign Disease occurs within the first 90 days from the Policy Date, the last Policy Restart Date or initial sum insured increased date (for the increased amount), whichever is later. The aggregate maximum amount of benefits payable for all claims under Multiple Crisis Benefit is 500% of Initial Sum Insured for Cancer Group and for Non-Cancer Group respectively (“Multiple Crisis Benefit Limit”). Major Crises, Serious Diseases and Juvenile Diseases claim under Multiple Crisis Benefit (“Claim”) for each Set of Disease can be made up to a maximum benefit amount of a percentage of the Initial Sum Insured as set out in the table under the “Diseases Covered” section and subject to the Multiple Crisis Benefit Limit. In respect to the Claim under the policy, if the total amount of Claim paid and / or payable exceeds 100% of the Initial Sum Insured, the Insured must have survived for a period of at least 14 days from date of diagnosis of the respective disease (except for continuous cancer) in order to be eligible for the respective benefit. If the total Claim paid under the policy reaches 100% of the Initial Sum Insured, FWD will waive the balance of premium payable under the Plan. The first premium to be waived will be the one falling due immediately after the date following the first confirmed diagnosis of the Major crisis, Serious Disease or Juvenile Disease which leads the total Claim paid under the policy to reach 100% of the Initial Sum Insured and all the riders will be terminated. No Multiple Crisis Benefit will be paid by the policy upon the payment of 1000% of the Initial Sum Insured as Multiple Crisis Benefit. Current Sum Insured means the Initial Sum Insured less any claims paid and / or payable for Multiple Crisis Benefit under the policy which will be reduced accordingly, subject to a minimum of zero. Guaranteed Cash Value, future premium, future Annual Dividend (if any) and Special Bonus (if any) will be reduced accordingly. Once the Current Sum Insured amount of the policy has been reduced to zero, the Guaranteed Cash Value is reduced to zero accordingly, and any future Annual Dividend and Special Bonus will not be declared.
  3. PREMIER THE ONEcierge, provided by HealthMutual Group Limited (“HMG”) and its healthcare network team and Parkway Hospitals Singapore (“Parkway”) shall not form a part of the policy or benefit item under the Policy Provisions. FWD reserves the right to terminate or vary the service in its sole discretion without further notice. FWD shall not be responsible for any act, negligence or failure to act on the part of HMG and its healthcare network team and Parkway. This service is only available in the Pan-Asia Region. The hotline for PREMIER THE ONEcierge is (852) 8120 9066 for Hong Kong and there is also a toll-free number for Mainland, 400 9303078. For details, please refer to the attached PREMIER THE ONEcierge’s brochure.
  4. This service is provided by HMG and its healthcare network team. FWD reserves the right to vary the services in its sole discretion without further notice. FWD shall not be responsible for any act, negligence or failure to act on the part of HMG and its healthcare network team. While the Insured is still alive and the policy is still in place, when the Crisis Benefit for Major Crises for the first Cancer, first Heart Attack or first Stroke is payable, FWD will provide the Life Enrichment Program which shall be started within 6 months from the payment date of Claim of such respective Cancer, Heart Attack or Stroke. This benefit will be payable only once for each Claim of first Cancer, first Heart Attack and first Stroke under Crisis Benefit for Major Crises per life. This service is only available in Hong Kong region.
  5. While the Insured is still alive and the policy is in place, when the Crisis Benefit for Major Crises is payable, Health Supplement Benefit will be payable per month (up to a maximum of 6 months) starting from the payment date of the respective Crisis Benefit for Major Crises. This benefit will be payable once only under the policy and this additional benefit amount will not be deducted from the Multiple Crisis Benefit Limit.
  6. FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD”) will reimburse the reasonable and customary charges for health screening (max. HK$6,000 / US$750 for Health Screening Benefit under all policies of the Crisis Cover Series per Insured) received by the Insured once for every 2 policy years (up to 10 policy years), starting from the 2nd Policy Anniversary. This benefit amount will not be deducted from the Multiple Crisis Benefit Limit. Crisis cover series means Crisis VCover, Crisis OneCover and other selected critical illness insurance plan(s) as specified by FWD from time to time.
  7. For Waiver of Premium on Death Benefit (Parents) / (Spouse) selected at time of application.
    (i) Waiver of Premium on Death Benefit (Parents)
    An insured child must be below the age of 19 (age next birthday) at the time of policy application. After the policy has been in place for 2 years, if you (i.e. the policy owner) and / or the parent contingent owner pass(es) away, the future premiums for the basic plan will be waived until the age of 25 (age next birthday) of the insured child. You and the parent contingent owner need to be at or below the age of 50 (age next birthday) at the time of policy application or at the date of request for change of contingent ownership of the policy (as the case may be). The parent contingent owner must be the insured child's parent, who may become the policy owner if the current policy owner passes away. For the purpose of this benefit, you may reassign a parent who is at or below the age of 50 (age next birthday) as the policy owner or parent contingent owner any time while the policy is in effect. The existing waiver of premium benefit will be suspended for a period of 2 years from the effective date of the relevant reassignment, after which it will resume, subject to the age and relationship requirements described above.
    (ii) Waiver of Premium on Death Benefit (Spouse)
    An insured adult must be at the age of 19 (age next birthday) or above at the time of policy application. After the policy has been in place for 2 years, if the insured's spouse, who is (i) the policy owner, (ii) a sole beneficiary or (iii) one of the beneficiaries of the policy, passes away, the future premiums for the basic plan will be waived. The insured's spouse must be at or below the age of 50 (age next birthday) at the time of policy application, or the request for change of spouse owner/ spouse beneficiary (as the case may be). For the purpose of this benefit, you may reassign your spouse who is at or below the age of 50 (age next birthday) as the policy owner or beneficiary (if applicable) any time while the policy is in effect. The existing waiver of premium benefit will be suspended for a period of 2 years from the effective date of the relevant reassignment, after which it will resume, subject to the age and relationship requirements described above.
  8. The benefit payable is equivalent to 25% of the Initial Sum Insured as at the date when the designated Cancer (i.e. Lung Cancer, Colorectal Cancer, Breast Cancer or Prostate Cancer) is payable under Crisis Benefit for Major Crises of the policy. This benefit can be payable once only under the policy. The coverage of this benefit shall be terminated upon 500% of the Initial Sum Insured is paid from Cancer Group, regardless of whether the benefit has even been paid or not. This additional benefit amount will not be deducted from the Multiple Crisis Benefit Limit
  9. The benefit is only applicable to Insured whose issue age is 1 – 65 (age next birthday). Additional 90% of the Initial Sum Insured (for the Insured whose issued age is 35 or below at next birthday) or 60% of the Initial Sum Insured (for the Insured whose issued age is above 35 at next birthday) will be payable as at the date when the Crisis Benefit for Major Crises or Death Benefit is payable under the policy. This benefit will be payable once only under the policy and will be terminated (i) upon the termination of the policy; (ii) once the Crisis Benefit for Major Crises or Death Benefit has been paid or becomes payable; or (iii) on the 15th Policy Anniversary, whichever is the earliest. This additional benefit amount will not be deducted from the Multiple Crisis Benefit Limit.
  10. Surgical Excision of Covered Benign Tumour means an actual undergoing of a complete surgical excision of a Solid Tumour and such tumour is excised specifically for the purpose of ruling out cancer and is confirmed by histopathological examination in writing by a specialist as a non-cancerous benign tumour. This additional benefit amount will not be deducted from the Multiple Crisis Benefit Limit.

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