Gear on your adventure

Get geared to unlock your courage against all odds. FWD’s Crisis XDefender Light brings to you an all-round defence at an affordable premium, helping you break through unexpected obstacles fearlessly!

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Protections & Services Beyond Crisis

Apply now to enjoy up to 5-month premium rebate

Promotion Period: 16 July to 10 October 2018

How much is the monthly premium10 ?

Initial Sum Insured
HK$ 600,000
Hong Kong Resident
Non-smoker
35 years old
(Age next birthday)

HK$ 1,130
/month11
Crisis XDefender (Supreme): HK$1,676 /month11

HK$ 1,103
/month11
Crisis XDefender (Supreme): HK$1,633 /month11

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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 24-hour Service Hotline at +852 3123 3123.


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  • 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 (“FWD Life”) will be used to provide further services in relation to this form.

Need more coverage?

Apart from Crisis XDefender Light, you can also consider our Crisis XDefender Supreme which gives you an even more comprehensive protection against covered critical illnesses, enabling you to live your life to the fullest.

Crisis XDefender Supreme

Crisis XDefender Light

Please refer to the Policy Provisions and Product Brochure for details of the benefits.

  1. FWD Life Insurance Company (Bermuda) Limited (“FWD”) will pay the Crisis Benefit / Special Disease Benefit / Benign Tumour Extra Benefit only where the First Symptoms appear, the condition occurs and the diagnosis or surgery relating to the relevant Crisis, Special Disease or Benign Disease occurs after the first 90 days from the Policy Date or the date of last reinstatement, whichever is later. This first 90 days limitation does not apply if any Disease is solely and directly caused by an Accident and independently of any cause. Upon the payment of claims under Special Disease Benefit, the Current Sum Insured of the policy will be reduced accordingly. Current Sum Insured means the Initial Sum Insured less any claims paid and / or payable (excluding non-guaranteed Special Bonus amounts) for Special Disease Benefit under the Policy. Death Benefit, Crisis Benefit, Guaranteed Cash Value, future premium and non-guaranteed Special Bonus (if any) will be reduced accordingly. The following payment(s) under each claim of Special Disease Benefit will not be higher than the reduced Current Sum Insured. If the Current Sum Insured is reduced to zero, the policy will be terminated.
  2. The benefit is only applicable to Insured whose issue age is 1 – 65 (age next birthday). The additional benefit is as follow:
    • For the insured whose issued age is 35 or below at next birthday: Crisis XDefender Supreme - Additional 75% of the Initial Sum Insured / Crisis XDefender Light - Additional 55% of the Initial Sum Insured
    • For the insured whose issued age is above 35 at next birthday: Crisis XDefender Supreme - Additional 60% of the Initial Sum Insured / Crisis XDefender Light - Additional 35% of the Initial Sum Insured
    While the policy is in force, this benefit will be payable as at the date when the Crisis Benefit or Death Benefit is payable under the Policy. This benefit will be payable once only under the Policy and will be ceased (i) upon the termination of the Policy; (ii) once the Crisis Benefit or Death Benefit has been paid or becomes payable; or (iii) on the 15th Policy Anniversary Date, whichever is the earliest. This additional benefit amount will not be deducted from the Current Sum Insured.
  3. 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 Current Sum Insured.
  4. This additional benefit is available if the Policy has been in effect for at least 2 consecutive Policy Years after the Policy Date or the date of reinstatement, whichever is later. Policy Owners have to notify FWD within 180 days from the date of birth of the infant for application of this benefit. Once the coverage of the covered child has been in effect by FWD, upon the death of the covered child or if the covered child has the first symptoms of a Crisis that appear after the first 90 days from the coverage effective date and has the first confirmed diagnosis of the Crisis subsequently, FWD will pay the benefit. Any claim of the new-born infant under this benefit shall not be deducted from the Insured’s Current Sum Insured and will not affect the other benefits available for the Insured under this Policy.
  5. Available for Insured whose issue age is 18 (age next birthday) or above. If the issued age of Insured is 17 (age next birthday) or below, medical check-up coupon will be available biennially to the Insured starting from the Policy Anniversary of the Insured’s age of 20 at next birthday, and is entitled to a maximum of 5 medical check-up coupons.
  6. PREMIER THE ONEcierge, provided by HMG and its healthcare network team and Parkway Hospitals Singapore (“Parkway”) is not a part of the Policy or benefit item under the Policy Provisions and only applicable to the Plan. 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.
  7. Second Medical Opinion is provided by International SOS currently and is not guaranteed renewable. All relevant fees and charges (if any) of this service shall be borne by the Insured. FWD shall not be responsible for any act or failure to act on the part of International SOS. Details of the services may be revised from time to time without FWD’s prior notice.
  8. Family Care Services is provided by Aspire Lifestyles (“Aspire”) currently and is not guaranteed renewable. All relevant fees and charges (if any) of this service shall be borne by the Insured. FWD shall not be responsible for any act or failure to act on the part of Aspire and/or any of its affiliates. Details of the services may be revised from time to time without FWD’s prior notice.
  9. The saving ratio is calculated based on comparison of the premium rate of the longest premium payment term of this Policy (25 years) versus the premium rate of the longest premium payment term of FWD’s Crisis XDefender (Supreme) (20 years).
  10. The premium rates are not guaranteed every year and FWD reserves the right to review and adjust the premiums from time to time.
  11. The above premiums are calculated based on standard rates, subject to rounding adjustment and are for reference only. The actual premium will be determined by FWD upon policy approval.

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