A Fresh Take on Medical Insurance

MediSaver Supreme offers medical protection up to age 100 (age next birthday) plus a savings element, with a premium payment term of just 20 years. Enjoy instant medical protection or start your medical protection at a later date1. The plan also offers double protection2 against common crises (cancer , heart attack and stroke). All-rounded protection – under one plan.

3 Reasons To Buy

FWD Medical Insurance

Make Your Coverage Better5 And Claims Process Easier6
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Disclaimer: The features above are indicative only. Please refer to the Product Brochure and Policy Provisions for details. For a complete explanation of the terms and conditions, please call our Service Hotline at +852 3123 3123..


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  1. If you select Instant Medical Cover, all benefits in the Schedule of Benefit will start from the Policy Date. If you select Deferred Medical Cover, the Hospitalisation Benefits, Surgical Benefits and Other Benefits under Medical Savings Account and Additional Crisis Cover, and Top-up Subsidy Benefit will start from the 30th Policy Anniversary or Policy Anniversary which comes on or immediately after the Insured turns 65 (age next birthday), whichever is earlier. While the policy is in place, the Plan provides coverage for the Death Benefit, Additional Death Benefit, Wellness Joy Benefit, (partial) Surrender Benefit and Maturity Benefit.
  2. The maximum benefit limit under Medical Savings Account is the Sum Insured of the Basic Plan after the Protection Start Date. If Hospitalisation Benefits, Surgical Benefits and Other Benefits have been paid and/ or payable under the Medical Savings Account, the actual benefit amount for Death Benefit, Surrender Benefit and Maturity Benefit will be reduced but the Additional Death Benefit, Top-up Subsidy Benefit, Wellness Joy Benefit, Sum Insured, Guaranteed Cash Value, Terminal Bonus (if any) and future premium will not be affected by any claims paid and/ or payable for Hospitalisation Benefits, Surgical Benefits and Other Benefits under the Medical Savings Account. The policy will be terminated when the total amount of claims paid and / or payable for Hospitalisation Benefits, Surgical Benefits and Other Benefits under the Medical Savings Account reaches 100% of Sum Insured.

    The maximum benefit limit under Additional Crisis Cover is equal to Sum Insured of the Basic Plan after Protection Start Date. Any claims paid and / or payable for Covered Crisis (Cancer, Heart Attack or Stroke) will be first deducted from Additional Crisis Cover. If the maximum benefit limit of Additional Crisis Cover is reached, FWD will pay the benefits for Covered Crisis from Medical Savings Account. This is an additional benefit and the Death Benefit, Additional Death Benefit, Top-up Subsidy Benefit, Wellness Joy Benefit, Maturity Benefit, Surrender Benefit, Sum Insured, Guaranteed Cash Value, Terminal Bonus (if any) and future premiums are not affected by any claims paid and/ or payable for Hospitalisation Benefits, Surgical Benefits and Other Benefits under Additional Crisis Cover.

    The maximum benefit limit for all Disabilities is up to HK$10,000 (or US$1,250 for USD policies) Eligible Expenses per Disability if the Hospitalisation or treatment or incurred charges for a Disability that is directly or indirectly related to, arises from or is caused by attempted suicide, self-inflicted injuries, or under any condition caused by chronic alcoholism or drug addiction.
  3. Reasonable and customary charges for Medically Necessary treatment or services for a Disability. Reasonable and customary refers to a fee or expense which:
    i. is actually charged for Medically Necessary treatment, supplies or medical services;
    ii. does not exceed the usual or reasonable average level of charges for similar treatment, supplies or medical services in the location where the expense is incurred;
    iii. does not include charges that would not have been made if no insurance existed.

    FWD may adjust benefit(s) payable under the policy for fees or expenses that FWD judges not to be reasonable and customary after comparing with fee schedules used by the government, relevant authorities or recognised medical associations in the location where the fee or expense is incurred.

  4. Per Disability Limit refers to the maximum total amount that FWD will pay for the Hospitalisation Benefits, Surgical Benefits and Other Benefits under Medical Savings Account per Disability. Per Covered Crisis Limit refers to the maximum total amount that FWD will pay for the Hospitalisation Benefits, Surgical Benefits and Other Benefits under Medical Savings Account and Additional Crisis Cover per Covered Crisis. For the definition of Disability or Covered Crisis, please refer to policy provisions for details.
  5. Make your coverage better referred to MediSaver Supreme Medical Plan. FWD will fully cover the Eligible Expenses for Hospitalisation Benefits, Surgical Benefits and Other Benefits up to the Per Covered Crisis Limit (equals to double of the Per Disability Limit) (Subject to the terms of the policy).
  6. Claims process easier referred to the service of handling hospitalization claim application and issuing medical claim payment in cheque in 30 minutes^, it is only applicable for Medical Insurance plans underwritten by FWD and policies that are effective for 2 policy years or above, customers should submit the " Hospitalization/ Accident Claim Form" and the relevant documents and receipts with a claims payments HK$100,000 or less at FWD Insurance Solutions Centre in Sheung Wan within office hours (9AM – 12Noon and 2PM – 5PM) claim settlement. Claims process easier is subject to the final decision of FWD. ^Processing approval and payment can be as fast as 30 minutes, but the actual approval time may subject to situation from time to time and adjust accordingly.

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