The only critical illness plan covers mental health solution

Common mental illnesses are often neglected in Hong Kong. FWD's first-ever Mind+ Critical Illness Protection Plan ("Mind+") protects your well-being both inside and out, enabling you to live your life to the fullest.

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3 Reasons To Buy

Take the health challenges for
better understanding and rewards10

Comprehensive mental health
related services – MINDcierge3

A Genie app is available with three 60-day challenges 

to help you maintain adequate exercises, healthy diets and quality sleep. 

Upon completion of these 60-day challenges,
you can enjoy 2 consecutive years of up to 10% premium discount from policy year 2.

You can call the MINDcierge hotline3 anytime to seek
for any emotional support help. 

MINDcierge hotline provides you with a dedicated network
of specialists and the most appropriate treatments.


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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.


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.
  1. Compared with the major insurance companies in Hong Kong, by 22nd February 2018, FWD Life Insurance Company (Bermuda) Limited ("FWD") Mind+ Critical Illness Protection Plan ("Mind+") is the only critical illness insurance plan with mental illnesses coverage.
  2. Special infant benefit is an additional benefit that is available if the policy has been in place for 2 consecutive policy years from the later of policy date or policy restart date. Policy owners have to notify FWD within 180 days from the date of birth of the child for application of this benefit. FWD will not pay the benefit if any signs or symptoms leading to diagnosis became apparent to the insured before or within 90 days after the date FWD notifies the policy owner the child is covered. This is an additional benefit and any claim of this benefit will not be deducted from current sum insured.
  3. MINDcierge is currently provided by HealthMutual Group Limited ("HMG") and its healthcare network team. All fees and charges will be borne by the insured. It is not a part of the policy or benefit item under the policy provisions and only applicable to Mind+. FWD reserves the right to terminate or vary the service in its sole discretion without further notice. The hotline is (852) 8210 9066 for Hong Kong and there is also a toll-free number for Mainland China, 400 9303078 for Mainland China. Please note that the hotline is operated by HMG and is for non-emergency reservation of doctor consultation on emotional wellness instead of for emergencies. FWD is not 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. For details, please refer to the respective brochure.
  4. Caretaker support program is currently provided by HMG and its healthcare network team. If FWD pays a claim for major mental illness benefit or severe mental illness benefit, FWD will pay for one of the insured's family members to participate in a caretaker support program with a provider that FWD selects. FWD shall not be responsible for any act or omission on the part of HMG and its healthcare network team. The following conditions apply to the caretaker support program:
    (i) This benefit will only be provided once for the one of the insured's family members under all Mind+ policies or riders.
    (ii) The family member must attend the program within 6 months from the date the major mental illness benefit or severe mental illness benefit is paid.
    (iii) If any program was requested in addition to this caretaker support program, this benefit will not cover any costs of that additional program.
    (iv) This caretaker support program is provided by an independent third party service provider and not by FWD. If the above conditions of this benefit change after the policy has started, FWD will inform the policy holder in writing.
  5. FWD will not pay the severe mental illness benefit, crisis benefit or special disease benefit if any diagnosis or any sign or symptom leading to diagnosis became 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 before or within 90 days after the date of increasing the initial sum insured (for that increase if the initial sum insured was increased) (except any loss caused by accidental injury). For definitions of the covered mental illness, crisis and special disease as well as the details of benefits and limits, please refer to the Policy Provisions and Product Brochure.
  6. FWD will not pay the mild mental illness benefit or major mental illness benefit if any signs or symptoms leading to diagnosis became apparent to the insured or a reasonable person in the insured's place before or within 1 year after the policy date; or before or within 1 year after the policy restart date (if the policy was restarted); or before or within 1 year after the date of increasing the initial sum insured (for that increase if the initial sum insured was increased). FWD will not pay mild mental illness benefit and major mental illness benefit if the severe mental illness benefit has been paid or is payable. For definitions of the covered mental illness, crisis and special disease as well as the details of benefits and limits, please refer to the Policy Provisions and Product Brochure.
  7. Upon the payment of claims under special disease benefit, major mental illness benefit and severe mental illness benefit, the current sum insured of Mind+ will be reduced accordingly. Current sum insured means the initial sum insured less any claims paid and / or payable (excluding any non-guaranteed special bonus amounts) for special disease benefit, major mental illness benefit and severe mental illness 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 claims of special disease benefit, major mental illness benefit and/or severe mental illness benefit (if applicable) will not be higher than the reduced current sum insured. If the current sum insured is reduced to zero, the policy will be terminated.
  8. Mental illnesses protection is only available to an insured aged 69 or younger, except for Attention-deficit hyperactivity disorder (ADHD), Tourette syndrome and Autism spectrum disorder (ASD), which are only applicable to an Iisured aged 15 days - 17 years.
  9. While the policy is in place, FWD will pay between 20% and 80% of the initial sum insured if the insured is 3 years or younger (FWD will not pay more than the current sum insured). Please refer to the Policy Provisions for details.
  10. Genie/ Genie+ and children developmental DNA Test are subject to the respective terms and conditions, please refer to the respective brochure for details.
  11. Premium discounts are subject to terms and conditions; please refer to the promotional leaflet for more details.

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