Geared to go!

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

3 Reasons To Buy

Multiple Benefit of an additional 120% of the Initial Sum Insured up to 5 times for designated critical illnesses^1,3

Protection for benign tumours^1,5 and designated respiratory diseases

Rehabilitation Benefit of an additional 1% of the Initial Sum Insured per month for up to 6 months ⁷and a rehabilitation program ⁸ for free

Other Features

How much is the monthly premium¹⁰ ?

Sum Insured HK$ 600,000

Hong Kong Resident

Non-smoker

35 years old
(Age next birthday)

HK$ 1,676
/month¹¹

HK$ 1,633
/month¹¹

A bit over budget?

In addition to Crisis XDefender Supreme, we also bring to you Crisis XDefender Light, giving you all-round defence to meet your different needs.

Crisis XDefender Supreme

Crisis XDefender Light

Comparison

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

See Crisis XDefender Light

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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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Remarks

FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD”) will pay the Crisis Benefit / Special Disease Benefit / Benign Tumour Extra Benefit / Multiple Benefit for Designated Crises only where the First Symptoms appear, the condition occurs and the diagnosis or surgery relating to the relevant 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 for Special Disease Benefit under the Policy. Death Benefit, Crisis Benefit, Guaranteed Cash Value, future premium and 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 total claims paid of Crisis Benefit and/or Special Disease Benefit under the Policy reach 100% of the Initial Sum Insured while the Policy is still inforce, FWD will waive the balance of premium payable under the Policy falling due immediately after the date following the diagnosis of the Crisis or Special 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.
Each Special Disease is payable once only (except for Carcinoma-in-situ or Early Stage Malignancy of Specific Organs and Angioplasty of Coronary Artery). A maximum of two claims can be made in respect of Carcinoma-in-situ or Early Stage Malignancy of Specific Organs and Angioplasty of Coronary Artery under the Plan. To be eligible for the second claim under Carcinoma-in-situ or Early Stage Malignancy of Specific Organs, the claims must be a Carcinoma-in-situ or Early Stage Malignancy of one of the covered organs that is different from the organ(s) of the previous claims for which benefit(s) have / has been paid. If the relevant covered organ has both a left and a right component (such as, but not limited to the lungs or breasts), the left side and right side of the organ shall be considered one and the same organ. To be eligible for the second claim under Angioplasty of Coronary Artery, the treatment must be performed on a location of stenosis or obstruction in a major coronary artery where no stenosis greater than 60 percent was identified in the coronary angiogram relating to the first claim of this illness, for which benefit has been paid. A maximum of HK$400,000 / US$50,000 per Insured of each claim is payable under all policies of Crisis XDefender sSeries, including the Plan for Carcinoma-in-situ or Early Stage Malignancy of Specific Organs, Angioplasty of Coronary Artery and Special Diseases for Juvenile. This benefit will be payable until the total payment of Crisis Benefit and/or Special Disease Benefit under the Policy reach 100% of the Initial Sum Insured.
While the policy is in force, this Multiple Benefit for Designated Crises is payable if, following payment of a Crisis Benefit, the Insured is diagnosed with a subsequent Cancer, Heart Attack or Stroke and survives for a period of at least 14 days from the date of First Confirmed Diagnosis of such respective Cancer (except for Continuous Cancer), Heart Attack or Stroke, subject to the following conditions:
a. If the immediately preceding claim paid under Crisis Benefit for any Crisis or Multiple Benefit for Designated Crises for Cancer, Heart Attack or Stroke covered by this policy, subsequent claim(s) for Cancer, Heart Attack or Stroke can be made provided that the First Confirmed Diagnosis of the subsequent claim(s) for Cancer, Heart Attack or Stroke shall be at least 1 year after the date of the First Confirmed Diagnosis of the immediately preceding Crisis Benefit claim for any Crisis or Multiple Benefit for Designated Crises claim for Cancer, Heart Attack or Stroke covered by this policy (for which benefit has been paid under the policy); and
b. If any preceding claim for Cancer has been paid under Crisis Benefit or Multiple Benefit for Designated Crises, subsequent claim(s) for Cancer (Continuous Cancer, recurring Cancer and Cancer in different sites) can be made provided that,
• if the subsequent claim for Cancer is a Continuous Cancer of the preceding Cancer claim (for which benefit has been paid), the Cancer of the subsequent claim shall be covered only if 3 years has passed since the date of the confirmed diagnosis of that preceding claim for Cancer which has not been completed in remission;
• if the subsequent claim for Cancer is a Recurrence of the Cancer of the preceding Cancer claim (for which benefit has been paid), the Cancer of the subsequent claim shall be covered only if the First Confirmed Diagnosis of the subsequent Cancer takes place at least 3 years after the date of the First Confirmed Diagnosis of that preceding claim for Cancer (for which benefit has been paid);
• if the subsequent claim for Cancer is not a Continuous Cancer or Recurrence of the Cancer of the preceding Cancer claim (for which benefit has been paid), the Cancer of the subsequent claim shall be covered only if the First Confirmed Diagnosis of the subsequent Cancer takes place at least 1 year after the date of the First Confirmed Diagnosis of the that preceding claim for Cancer (for which benefit has been paid).
This benefit cannot be claimed more than 5 times under this policy. In case the Insured is aged 70 (age next birthday) or above and makes any subsequent claim for prostate cancer resulting from the Continuous Cancer of a previous prostate cancer for which a previous claim was made, the benefit will only be payable if the Insured has received or is in the process of receiving the full course of cancer-directed surgery, radiotherapy, chemotherapy, targeted therapy or a combination of these treatments (excluding hormonal therapy) which is Medically Necessary during the intervening period between the diagnosis of the previous and subsequent prostate cancer.
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.
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.
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 Current Sum Insured and will not affect the other benefits available for the Insured under this Policy.
While the Insured is alive and the Policy is in force, when the Crisis Benefit for Heart Attack or Stroke is payable, Rehabilitation Benefit will be payable for every month (up to a maximum of 6 months) starting from the payment date of the Crisis Benefit for Heart Attack or Stroke. This benefit will be payable once only, and will not be deducted from the Current Sum Insured.
Lifestyle Management Program is provided by HealthMutual Group Limited (“HMG”) and its healthcare network team currently. FWD reserves the right to vary the services in its sole discretion without further notice.
While this Policy is in force and the Insured is still alive, when Crisis Benefit and / or Special Disease Benefit for Group 3 Diseases (Illnesses related to Circulatory System) is payable, the Insured is eligible for the Lifestyle Management Program, subject to the following conditions:
• When the Crisis Benefit for Heart Attack or Stroke is payable, FWD will provide a designated rehabilitation program to the Insured and the fee will be waived once per life.
• When the Crisis Benefit and/or Special Disease Benefit for Group 3 Diseases (Illnesses related to Circulatory System, except Heart Attack or Stroke) is payable, FWD will refer the Insured to the designated rehabilitation programs and pay the initial consultation fee, once per life, of the program chosen by the Insured. All other relevant fees and charges will be borne by the Insured.
FWD shall not be responsible for any act, negligence or failure to act on the part of HMG and its healthcare network team. This service is only available in Hong Kong region.
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.
The premium rates are not guaranteed every year and FWD reserves the right to review and adjust the premiums from time to time.
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.
The premium of Waiver of Premium on Death Benefit (Parents) / (Spouse) Rider is non-guaranteed but it will not be increased based on the age next birthday of the Policy Owner, Parent Contingent Owner, Spouse Owner or Spouse Beneficiary (as the case may be).
For Waiver of Premium on Death Benefit (Parents) / (Spouse) Rider selected at time of application.
(i) Waiver of Premium on Death Benefit (Parents) Rider
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 force for 2 years, if you (i.e. the Policy Owner) and / or the Parent Contingent Owner pass(es) away, FWD will waive the premiums payable under the basic plan and this rider which fall due from the date of the Policy Owner’s death or the death of Parent Contingent Owner (as the case may be) up to and including the Policy Anniversary immediately preceding the twenty fifth (25th) birthday of the Insured. 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 nomination or change of contingent ownership of the policy (as the case may be). The Parent Contingent Owner must be the insured child's parent. For the purpose of this rider, 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. This waiver of premium benefit with respect to the reassignment will be effective after 2 years of the relevant reassignment, subject to the age and relationship requirements described above.
(ii) Waiver of Premium on Death Benefit (Spouse) Rider
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 force 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, FWD will waive the balance of premium payable under the basic plan and this rider. 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, or nomination or change of Spouse Beneficiary (as the case may be). For the purpose of this rider, 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. This waiver of premium benefit with respect to the reassignment will be effective after 2 years of the relevant reassignment, subject to the age and relationship requirements described above.