Your Health
Your Choice

Health is the most precious treasure in life which deserves the greatest defence. Your current peaceful and enjoyable life can be disturbed by unexpected illnesses. Despite the ever-increasing medical costs, we all want to make sure we can enjoy high-quality medical services at different stages in life, without impact to our quality of living. TheChoice Medical Insurance offers you comprehensive medical coverage and gives you peace of mind.

(This product is available for application through insurance brokers or designated insurance intermediaries.)

3 Reasons To Buy

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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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  1. Guaranteed yearly renewal is subject to the continual availability of the Plan offered by FWD, terms and conditions applicable including but not limited to Termination Provisions, benefits, and premium rates at the time of renewal. Renewal premiums are not guaranteed and the premiums for each renewal are determined based on the age and the premium table applicable upon renewal. Premium table is subject to change based on factors including but not limited to the inflation of related medical expense, FWD’s medical claim experience and persistency of policies from time to time. FWD reserves the right to revise the benefits payable, terms and conditions and premiums at any time.
  2. Annual Deductible shall mean the part of eligible expenses which shall be borne by the policyholder or the insured and which has to be deducted from the reimbursable sum as shown in the policy schedule.
  3. Cashless Inpatient Facility is an administrative arrangement to pay the covered expenses during confinement on behalf of the insured to the designated private hospitals in Hong Kong, pre-admission approval is required. It is not a benefit item under the policy and not a guaranteed arrangement. FWD reserves the rights to terminate or vary the service in its sole discretion without further notice. If there is Annual Deductible2 or its balance of eligible plan, policyholders are required to pay such balance when being admitted to hospital. If the medical cost paid by FWD is higher than the maximum limit of benefits, FWD would seek reimbursement from policyholders for such balance.

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