Premium Payment

Our goal at FWD is to help you live life to the fullest. We’ve made it even more convenient for you to enjoy life with our hassle-free payment system by giving you the freedom of choice. Choose a payment method that is more suitable for your needs, schedule and lifestyle.

Here are the ways you can pay

By mail or drop into any of our Insurance Solution Centre

Submit a crossed cheque according to your payment notification. The cheque should be made payable to: "FWD Life Insurance Company (Bermuda) Ltd" (Applicable to payment of life insurance plans); or “FWD General Insurance Company Limited” (Applicable to payment of non-life insurance plans).

Please state clearly the policy number for which the payment is made on the back of the cheque. We recommend using a separate cheque to pay for each policy.

By Cheque Deposit Machine ("CDM")

Applicable only to payment of life insurance plans.

Prepare a crossed cheque payable to: "FWD Life Insurance Company (Bermuda) Ltd".

You can utilize the CDMs of HSBC and Bank of China (Hong Kong) by selecting “FWD Life Ins.” under Bill Payment. Please input the bill number printed on the premium notice according to the screen instructions and safe keep the deposit slip for future reference.

Via email (e-Cheque)

For new business, please email the e-Cheque to NB.echq.hk@fwd.com; for renewal, please email the e-Cheque to renewal.echq.hk@fwd.com. Both the subject of the email and the e-cheque file itself should be named as the policy number. If the payment is to be applied towards multiple policies, the breakdown (including the policy number and the payment amount for each policy) should be included in the email content. Post-dated cheque is not allowed and physical print-out of an e-cheque image is invalid.

e-Cheque payment is not available for some plans. Please contact us for more information.

Through bank teller

Applicable only to payment of life insurance plans.

Deposit to our designated HSBC accounts: 004-502-005-309001 (HK dollar policy) or 004-502-008-535274 (US dollar policy). Upon deposit, please send the original copy of the bank deposit slip to our Insurance Solutions Centre in Sheung Wan (address: 1/F, FWD Financial Centre, 308 Des Voeux Road Central, Hong Kong). Swift Code for TT is HSBCHKHH or HSBCHKHHHKH.

By Automated Teller Machine (“ATM”)

Applicable only to payment of life insurance plans.

You can utilize the ATMs of HSBC* by selecting “FWD Life Ins.” or the ATMs of the JETCO network by key in the merchant code “9130” under Bill Payment. Please input the bill number and premium amount printed on the premium notice according to the screen instructions and safe keep the deposit slip for future reference.

*HSBC bank account holders are able to make Bill Payment to FWD Life Insurance at HSBC or Hang Seng Bank’s ATMs. The service is provided to HSBC bank account holders only. Hang Seng Bank account holders are not included.

Payment through Deposit is not available for some plans. Please contact us for more information.

Via credit card or bank account

Complete and return the "Direct Debit / Credit Card Authorisation Form". Since this payment method takes two months to process, a pre-payment of two months' premium is required in order to match the autopay effective date.

Mainland customers who want to make autopay by using “Cross Border Long Card” may need to submit two extra authorization forms - FWD’s “Qianhai Authorisation Form” and CCBA’s “Supplementary Direct Debit Authorisation Form” in addition to the above-mentioned form for some plans. Please contact us to confirm the form(s) needed.

Autopay by credit card is not available for some plans. Please contact us for more information.

By phone or by internet

The PPS Merchant Code for FWD is 9130. A policyholder needs to settle the payment three days before the payment due date, and keep a record of the successful transaction reference number. PPS can only be used to pay renewal premiums.

PPS is not available for some plans. Please contact us for more information.

Visit us at our Insurance Solutions Centre

The premium can be settled at any of our Insurance Solutions Centre by cash, cheque or EPS.

By your Online Banking

Applicable only to payment of life insurance plans.

Login to your online banking platform* and select “FWD Life Insurance” under Bill Payment. Please input the bill number and premium amount printed on the premium notice to complete the payment process.

*Applicable to the following major banks in Hong Kong

AEON Credit Service (Asia) Co., Ltd.
Bank of China (Hong Kong) Limited
Bank of Communications Co., Ltd., HK Branch
China Construction Bank (Asia) Corporation Limited
Chong Hing Bank Limited
Citibank (Hong Kong) Limited
China CITIC Bank International Limited
Dah Sing Bank Limited
DBS Bank (Hong Kong) Limited

Fubon Bank (Hong Kong) Limited
Hang Seng Bank Limited
Shanghai Commercial Bank Limited
Standard Chartered Bank (Hong Kong) Limited
The Bank of East Asia Limited
The Hong Kong and Shanghai Banking Corporation Limited
OCBC Wing Hang Bank Limited
CMB Wing Lung Bank Limited

By Faster Payment System (“FPS”)

Applicable only to renewal payment of life insurance plans.

A FPS QR code of HKD for HKD and USD policy with the payment due less than the equivalent of HKD10,000 is pre-printed on your premium notice.

A FPS QR code of RMB for RMB policy with the payment due less than the equivalent of HKD10,000 is pre-printed on your premium notice.

You can pay your renewal premium and levy by scanning the code from your banking or FPS mobile app.

Official Receipt

Upon receipt of a premium payment, we will issue an official receipt to the policyholder (except for payments made by autopay). The receipt will be sealed and sent to the designated address of the policyholder within a week (the mailing time will be longer for overseas clients).

Clients who make their payments by autopay can check their payment records on their annual statement or via our online interactive service.

Online Interactive Service