With comprehensive critical protection, you can let your passionate spirit flourish.  With Crisis XDefender, you are now ready to enjoy your fabulous life.

Tell me more

In addition to coverage against 58 Crises, the Plan also covers 59 Special Diseases with 8 of them specifically for juveniles. There’s no simpler way to achieve broad coverage against critical illnesses.

So…what does it do?

  • Additional Crisis and Death Benefit - The plan will provide an additional 50% of the Initial Sum Insured if the insured is diagnosed with any covered Crises or passes away within the first 15 Policy Years at no extra cost1, fully supporting the insured and his/her family.

  • Coverage for newborns - The insured’s newborn baby will be covered by Crisis Benefit or Death Benefit2 (20% of the Initial Sum Insured or HK$200,000 / US$25,000, whichever is lower), helping  to safeguard  baby’s wonderful future.

  • Customised rehabilitation service - After the insured is first diagnosed with Heart Attack or Stroke, the plan will pay an extra 1% of the Initial Sum Insured for as many as 6 months and tailor a 4-week rehabilitation program.  If the insured is diagnosed with other covered illnesses related to the Circulatory System, the plan will refer the insured to the best-suited specialist and waive the initial consultation fee.

  • Multiple protection for common Crises - If a claim for Crisis Benefit for Cancer, Heart Attack or Stroke has been previously made, an additional 110% of the Initial Sum Insured will be paid in the event that the insured is diagnosed with either of these three common Crises again, support the insured on the way to recovery.

But wait, there's more

Enjoy special privilege - The ONEcierge One Team Health Management provides you with priority treatment from a professional health management team with a one-stop approach, helping you find the most suitable doctor within the dedicated network of specialists and arrange for hospitalisation.

Regular medical checkups – Prevention is better than cure. The plan offers a complimentary checkup once every two years (5 checkups at maximum) to help monitor the insured’s health.

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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  1. The benefit is only applicable to insured whose issue age is 1 – 65 (age next birthday).
  2. 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.

Pay your premium the way you want

Hong Kong Dollars to 1 unit of Foreign Currency on 28-Apr-2017


* The above exchange rates are for reference only and are subject to change by FWD without prior notice.

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