A protection that keeps pace with life journey

Life Impact Reliever unveils a brand new concept of life protection which covers accidental injuries and illnesses, even new diseases. With its straightforward claim criteria, you can rest assured that 100% coverage will be paid to mitigate the impacts on you in case of any adverse health circumstances.

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Promotion Period: 2 January to 16 March

Result-oriented claim criteria1

100% of sum insured2 will be paid for any of the following criteria

Life impact coverage4,5,6

Major loss coverage4,5,6

Specific illness5,6 & Death coverage6

Insured’s age next birthday is between 5 and 707

Unable to work or to attend school for 8 weeks in a row7,8

Any 2 of the following major medical care8
Click on the icons below for the case studies9

Stay in a hospital for 10 or more days in a row
Case study
Admitted and stayed in Intensive Care for 3 or more days in a row
Case study
Doctor confirms lifelong medication is needed
Case study
Underwent surgery under general, spinal or epidural anesthetic
Case study
Any 1 of the following major loss
Advanced cognitive impairment
Permanent need for wheelchair
Permanent loss of use of 2 limbs, sight, hearing or speech
Specific illness coverage
Cancer
Heart attack
Stroke

OR

Death Coverage

Death
Severe infections and complications | Pneumonia

Cecilia, 40 years old, full time Manager in a company

  • She had consistent fever and coughing for the last few weeks and was sent to hospital for further investigation. She was diagnosed to have pneumococcal disease, an infection caused by Streptococcus pneumoniae bacteria.
  • Unfortunately, Cecilia has suffered from serious complications and was isolated in the intensive care ward for nearly 3 months, with the use of extracorporeal membrane oxygenation (ECMO) to provide prolonged cardiac and respiratory support to sustain her life.
  • She was then hospitalized in general ward for another 9 months in a row. A temporary breathing stoma was created and was connected to ventilator to support her breathing.
  • Due to prolong bed rest, Cecilia had to rely on wheelchair for her daily activities at the beginning of her recovery and it took her about a year on rehabilitation before she could walk again and fully resume to a normal life.

  • Stay in a hospital for 10 or more days in a row8

  • Admitted and stayed in Intensive Care for 3 or more days in a row8

  • Unable to work or to attend school for 8 weeks in a row7,8

100% of the sum insured will be paid out2

Pregnancy Complications | Ectopic Pregnancy

Martha, 33 years old, smoker, married, full-time housewife

  • Martha experienced sudden and stabbing adnominal cramp with massive bleeding at home. Unfortunately, she was sent to hospital a few hours later when her husband backed from work.

  • Martha was diagnosed to have ectopic pregnancy. An emergency open surgery under general anesthesia was necessary to remove the tube together with the misplaced embryo.

  • She suffered from brain damage due to significant blood loss and was isolated in the intensive care ward for 7 days. Martha was then hospitalized for another 14 days before she could be discharged. It took her about 2 months’ time in a row for recovery before she is able to to resume her household duties.

  • Admitted and stayed in Intensive Care for 3 or more days in a row8


  • Stay in a hospital for 10 or more days in a row8


  • Unable to work or to attend school for 8 weeks in a row7,8


  • Underwent surgery under general, spinal or epidural anesthetic8


100% of the sum insured will be paid out2

Rare Disease | Tuberous Sclerosis Complex

Kelly, 35 years old, full time Secondary School Teacher

  • One day, Kelly was struck with intense pain at her left-sided back. A tumor was eventually found in her kidney, along with multiple cysts of varying sizes found in other organs including lung, liver and brain.

  • Kelly was diagnosed with tuberous sclerosis complex, a rare, multi-system genetic disease that causes benign tumors to grow in different organs.

  • Kelly underwent a surgery under general anesthesia to remove her kidney together with the tumor, and was hospitalized for 3 weeks in a row. It took 3 months in a row before she could return to work in school, taking her doctor’s advice. In addition, Kelly has to take lifelong medication to better control the numerous tumors and cysts inside her body.

  • Doctor confirms lifelong medication is needed8

  • Stay in a hospital for 10 or more days in a row8

  • Unable to work or to attend school for 8 weeks in a row7,8

  • Underwent surgery under general, spinal or epidural anesthetic8


100% of the sum insured will be paid out2

Sport Injuries | Open Tibia Fractures

Jerry, 38 years old, full time Investment Manager in a company

  • Jerry has incidentally broken his both legs during a Christmas ski in Switzerland. He was unable to stand up after the accident due to severe open fractures of his tibiae.

  • Jerry was immediately sent back to Hong Kong to receive surgery under general anesthesia and was hospitalized for 2 weeks in a row.

  • He was wheelchair-bound after discharge. Jerry has managed to stand up again with the assistance of walking aids after 2 months in a row of rest, but it took him another 2 months to fully recover and able to walk and resume to work again.

  • Underwent surgery under general, spinal or epidural anesthetic8


  • Stay in a hospital for 10 or more days in a row8


  • Unable to work or to attend school for 8 weeks in a row7,8


100% of the sum insured will be paid out2

How much is the monthly premium10,11,12 ?

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

HK$ 411
/month13

HK$ 538
/month13

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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.

  1. Please refer to the Product Brochure for details of benefits.
  2. The policy will be terminated after life impact benefit, specific illness benefit, major loss benefit or death benefit is paid once, or when Life Impact Reliever is converted to another policy.
  3. FWD Life Insurance Company (Bermuda) Limited ("FWD") will not pay any life impact benefit if the illness being claimed for arises from the insured’s pregnancy. FWD will, however, pay if the illness being claimed for is connected to one of the following pregnancy complications that happens more than 12 months after your protection starts, restarts, or is increased (for the increased amount), and is diagnosed by a medical practitioner specialising in obstetrics.
    • Eclampsia that has resulted in tonic-clonic seizures, pregnancy-related hypertension and proteinuria.
    • Ectopic pregnancy needing emergency surgery.
    • Placental abruption needing medical intervention.
    • Hydatidiform mole.
    • Disseminated intravascular coagulation secondary to complications of pregnancy.
  4. 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.
  5. 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).
  6. We 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.
  7. If Insured’s age next birthday is above 70, “Unable to work or to attend school for 8 weeks in a row” will be replaced by “ Unable to perform any of the 3 activities of daily living for 8 weeks in a row”, including washing, dressing, transferring, mobility, toileting and feeding.
  8. FWD won’t 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 won’t 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.
  9. The cases mentioned above are not real cases and are for reference only. They aim to illustrate the potential medical impacts of each different injuries or illnesses. These cases were vetted by medical practitioners for their possibilities in real-life. If the illness or accidental injury being claimed for falls within our list of exclusions, FWD will not pay any respective benefits. Please refer to the product brochure and policy provisions for the details of the list of exclusions.
  10. The above examples are for reference only and not regarded as a contract or any part thereof between FWD and any other parties. Please refer to the product brochure and policy provisions for the details of Life Impact Reliever.
  11. 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.
  12. The above premiums are calculated based on standard rates and are for reference only. The actual premium will be determined by FWD upon policy approval.
  13. The figures as shown in the above example are subject to rounding adjustment and are for illustrative purposes only. Please refer to the figures as shown in your insurance policy for details.

    Note:
    Eclampsia – A condition where tonic-clonic seizures appear in a pregnant woman with high blood pressure (hypertension) and proteinuria.
    Ectopic pregnancy – A pregnancy complication where the fertilized egg is attached outside the uterus.
    Hydatidiform mole – A pregnancy complication where there is growth of an abnormal fertilised egg or an overgrowth of tissue from the placenta.
    Placental abruption – A pregnancy complication where the placenta peels away from the inner wall of the uterus before delivery.
    Tonic-clonic seizures – Seizures characterised by muscle stiffening and rhythmical jerking of the body.

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