Don’t Wait, Fight the Virus Now

In light of a continuous increase in the number of new Novel Coronavirus 1 infections, you need even more protection during this critical period. However, the coverage of critical illness insurance in general is limited to designated diseases but not new diseases. Life Impact Reliever breaks the ordinary boundaries –giving you 100% coverage2 for any designated life impacts caused by the onset of the disease. Now, FWD provides you with extra protection against the epidemic and allows you to be exempt from the waiting period, making sure you are covered right away3.

Standing Strong Together amid Virus Battle

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From now to September 30, enjoy 5-month premium discountin the first year when apply for the Plan. The premium after discount can be as low as HK$2,220 (only HK$6/day on average) in the first year6,7,8. Please provide your contact information and we will contact you as soon as possible. 

Disclaimer: The features are indicative only. Please refer to the Product Brochure for details. The above offers are subject to the relevant terms and conditions. Please call our Service Hotline at +852 3123 3123 for details

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

Full Protection Upgrade against Novel Coronavirus1

Support and Claims Special Arrangements

24-hour Novel Coronavirus Claims Emergency Manned Hotline 3123 3618 is available with immediate claims assistance.

Earliest Track Claims Service in Just 3 Hours

Regardless of claim amount and without requiring original receipt and Claim Form completed by doctor but medical certificate.

Extension of Premium Payment Grace Period

Premium payment grace period will be extended to 90 days after premium due date.

No Limitation for Hospital and Room

If diagnosed with Novel Coronavirus1 and requires hospitalization in Mainland China, there is no limitation for hospital and ward class.

5-month premium discount in the first year3

Take a policy for a 30-year old (age next birthday) non-smoking male in Hong Kong with a sum insured of HK$500,000 as an example, the premium after discount in the first policy year will be HK$2,220 with the following benefits:

Life Impact Benefit HK$500,0002

Special Cash Benefit Up to HK$47,0004

Extra Death Benefit HK$300,0004

HK$6/day on average6,7,8
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  1. “Novel coronavirus” shall mean diagnosed case of COVID-19 virus defined by the World Health Organization and proven by relevant confirmatory report. Clinical diagnosis alone will not be sufficient. No benefit will be payable if novel coronavirus infection is being diagnosed or any signs or symptoms were present before the policy application date or the policy issue date (whichever is earlier).
  2. Please refer to the Product Brochure for details of benefits of Life Impact Reliever.
  3. Customers can enjoy the below offers if customers apply for Live Impact Reliever with annual payment mode within the promotion period (February 11, 2020 to September 30, 2020 (both dates inclusive)), and the policies must be issued on or before October 31, 2020:
    i. Enjoy 5 months premium discount in the first policy year
    ii. If the sum insured is not higher than HK$500,000 / US$62,500, medical examination will be exempted by answering and passing a few simple health questions, 90 days of waiting period can be waived for Novel Coronavirus if meeting the claims requirements of life impact benefit. Each Insured can only apply for the plan and enjoy this offer for once. This offer will be terminated once the quota is reached. Only applicable for Insured whose issue age is 5-60(next birthday).
    Please refer to the promotion flyer for the terms and conditions of these offers.
  4. Free Special Benefits for Novel Coronavirus is provided by FWD. Coverage Period: from January 23, 2020 to September 30, 2020 (both days inclusive), and date of diagnosis or date of quarantine must be within the Coverage Period. The death benefit of HK$300,000 is only applicable to customers who purchase new individual medical, critical illness (including Live Impact Reliever), selected savings or selected annuity insurance policies within the Coverage Period. Please refer to the promotion flyer for details.
  5. A partial week will be counted as a full week.
  6. The premium rates are not guaranteed every year and FWD reserves the right to review and adjust the premiums from time to time. Within the 5-year benefit term, the premium rate will not be increased based on the age of the Insured on his or her next birthday. The premium rate will be revised every 5 years based on the age of next birthday of the Insured at the time the policy is automatically renewed. The premium rates may significantly increase due to factors including but not limited to claims experience and policy persistency.
  7. The above premiums are calculated based on standard rates and a sum insured of HK$500,000 of a 30-year-old (next birthday) non-smoking male in Hong Kong. The above premiums are for reference only. The actual premium will be determined by FWD upon policy approval.
  8. The figures as shown in the above example are rounded off to the nearest integer and are for illustrative purposes only. Please refer to the figures as shown in your insurance policy for details.
  9. FWD will not pay the benefit if the major medical care period and 8-week incapacity period are not within the same 120-day period; or are not connected to the same accidental injury or illness. FWD will not pay the benefit if the major medical care period and 8-week incapacity period start after your policy has ended. You can receive the benefit if only one of the periods start before your policy has ended.
  10. Life impact benefit and major loss benefit are not payable if the Insured’s age next birthday is at or below 4 on the date the accident causing the injury or the diagnosis date of the illness.
  11. FWD won’t pay the life impact benefit, specific illness benefit and major loss benefit if the Insured suffers an illness which has any sign or symptom leading to diagnosis becoming apparent to the insured or a reasonable person in the insured’s place before or within 90 days after the policy date; or before or within 90 days after the policy restart date (if the policy was restarted); or within 90 days after the date of increasing the sum insured (for that increase if the sum insured was increased). Waiting period will be waived if the claims requirement of life impact benefit for Novel Coronavirus is met.
  12. FWD won’t pay the benefit if the date of the accident causing the injury or the diagnosis date of the illness or death is after your policy has ended.
  13. FWD only treats certain facilities in mainland China as hospitals under this policy. You can see an up-to-date list of approved mainland China hospitals at or by calling our Service Hotline on +852 3123 3123.
  14. If insured’s age next birthday is between 5 and 70: If the insured was employed, “unable to work” means the insured is unable to perform the essential income-producing duties of their current occupation and is not engaged in any gainful work. If the insured was solely performing domestic duties, it means the insured is unable to perform all of the domestic duties including cleaning, cooking, shopping and looking after dependents in the household (where applicable). If the insured was a full time student, means the insured is unable to attend school or university or perform their scheduled student work responsibilities. If insured’s age next birthday is above 70, “Unable to work or attend school for 8 consecutive weeks” will be replaced by “ Unable to perform any of the 3 out of 6 activities of daily living for 8 consecutive weeks”, including washing, dressing, transferring, mobility, toileting and feeding.
  15. Only the net premium and insurance levy actually paid by the customer will be refunded if the relevant policy is cancelled during the cooling off period or the application is not accepted by FWD.
  16. Live Impact Reliever is underwritten by FWD Life Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability). This product material is for reference only. For the exact terms and conditions, exclusions and key product risks of the Plan, please refer to the Brochure and Policy Provisions. The premium above-mentioned does not include insurance levy to be collected by the Insurance Authority.

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Let Your Protection Continue even after the Outbreak

Even if the outbreak of Novel Coronavirus1 is over, FWD will continue to be your partner down the road.
We will always give you the biggest support, going through all kinds of unexpected incidents by your side.
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Service Hotline 3123 3123 OR