Cancer Medical Insurance

CANsurance Cancer Protection Plan

Full medical coverage for all covered cancers.

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Lifetime Cancer Limit:
HK$1,500,000
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Male, 25 years old, Non-smoker
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Customer can enjoy a FWD x MIRROR Exclusive Card upon successful online application of any individual insurance product (except Personal Accident Insurance) through FWD Online Insurance Platform. Exclusive Card consists of 12 styles, image for reference only. Please refer to the campaign page for more details.

While cancer is tough, cancer medical insurance doesn’t have to be

The decision to be equipped to take on cancer medical insurance shouldn’t be a tough one. That is why we’ve created a medical coverage plan that leaves little or even no gaps in the treatment for cancer at different life stages. Getting married, raising children, buying a flat etc. are all important milestones in life. If you are unfortunately suffering from cancer, the cost of cancer treatments or targeted therapies could be difficult to afford and the financial and psychological pressures may even affect your life plans. If you have a family history of cancer, it is better to purchase cancer medical insurance early. FWD’s CANsurance Cancer Protection Plan offer flexible medical solutions for you to enjoy life with protection and your CANsurance policy, and can be converted to a designated full medical plan under designated conditions.

Full medical coverage for all Covered Cancers¹

FWD’s cancer medical insurance provides comprehensive coverage that includes diagnosis, monitoring, surgery, cancer treatment and medication expenses for all levels of covered cancer¹ including carcinoma-in-situ.

FWD’s cancer medical insurance provides comprehensive coverage that includes diagnosis, monitoring, surgery, cancer treatment and medication expenses for all levels of covered cancer¹ including carcinoma-in-situ.

Lifetime cancer coverage

Get up to HK$1.5 million for all Covered Cancers¹ which can be renewed without providing health evidence until age next birthday 100

Get up to HK$1.5 million for all Covered Cancers¹ which can be renewed without providing health evidence until age next birthday 100

Coverage during uncertainty

Get temporary medical cover up to 6-month during job changes without extra cost

Get temporary medical cover up to 6-month during job changes without extra cost

Beyond financial support

We have enlisted a range of health care professionals as well as practical services to support you towards recovery journey

We have enlisted a range of health care professionals as well as practical services to support you towards recovery journey

No medical examination required

Simply answer 2 health-related questions online to apply

Simply answer 2 health-related questions online to apply

CANsurance Cancer Protection Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) ("FWD"). This eCommerce platform is operated by FWD Financial Limited ("FWD Financial"). FWD Financial is an appointed and licensed insurance agency of FWD.

Benefit summary

Reasonable and Customary² charges will be reimbursed according to the Schedule of Benefit

Plan level

Economy

Lifetime Cancer Limit³

HK$1,500,000

Per Covered Cancer Limit⁴

HK$500,000

Area of cover

Asia⁵

Room level of hospitalisation

Standard Ward Room⁶

Issue age (age next birthday)

19 to 55

Benefit term

Guaranteed yearly renewable⁷ to age 100 (age next birthday)

Premium payment mode

This platform offers Monthly premium payment mode

Policy holder can contact FWD Customer Service to amend premium payment mode after policy is effective

A. Cancer Benefits
  1. Diagnostic Benefits – Full Cover
  2. Cancer Treatment Benefits – Full Cover
  • 2.1 Hospitalisation and Surgical Benefits
    • Room and Board
    • Physician’s or Specialist’s Hospital Visit
    • Intensive Care Unit (‘ICU’) Charges
    • Hospital Companion Bed (including 1 extra bed for 1 person who accompanies the Insured where hospitalised)
    • Surgical Expenses (including Surgeon’s fee, Anaesthetist’s fee and operating theatre fee)
    • Miscellaneous Hospital Medical Charges
  • 2.2 Treatment benefits
    • Non-surgical Cancer Treatment (including Chemotherapy, Radiotherapy, Target Therapy, Cancer Hormonal Therapy and prescribed medications)
    • Palliative Cancer Care
    • Pre or Post-treatment Consultation (incurred by consultation with a physician before or after the active treatment or palliative treatment)
  1. Reconstructive Surgery Benefit (head or breast) – Full Cover
  2. Monitoring Benefit (up to 5 years since completion of active treatment) – Full Cover
B. Additional Cancer Care Benefits (maximum limit per Covered Cancer¹)

HK$500 Daily Hospital Cash for Hospitalisation

  1. Hospitalisation in an ICU; or
  2. Hospitalisation in general ward of a public Hospital in Hong Kong; or
  3. Hospitalisation expenses that have been paid by another insurance company where FWD has not paid any benefit under Cancer Benefits

Subject to the following limits:

  • 30 days per Covered Cancer

HK$500 Chinese medicine practitioner consultation

including acupuncture treatments or prescribed Chinese medicines
Subject to the following limits:

  • 20 visits per Covered Cancer
  • 1 visit per day

HK$500 Physiotherapist consultation

including acupuncture and chiropractic services)/ Occupational Therapy / Speech Therapy
Subject to the following limits:

  • 20 visits per Covered Cancer
  • 1 visit per day

HK$500 Dietician consultation

Subject to the following limits:

  • 20 visits per Covered Cancer
  • 1 visit per day

HK$1,000 Psychological Counselling for Insured and/ or immediate family members (per visit)

Subject to the following limits:

  • 20 visits per Covered Cancer
  • 1 visit per day

HK$1,000 Post-Hospitalisation Home Nursing (per day)

Subject to the following limits:

  • 30 days per Covered Cancer

HK$300 Transportation Fee Subsidy (per day)

Subject to the following limits:

  • 20 days per Covered Cancer

HK$5,000 Medical Appliances

C. Death Benefits

HK$10,000 Compassionate Death Benefit

D. Additional Benefits

Job Changer Benefit⁸ – 3 times per policy

You may apply to enjoy a 6 months’ temporary coverage under a designated full medical reimbursement plan with a simple health declaration and without additional charges if you or the Insured change full time permanent job

Special Event Benefit⁹ – Once per policy

You may apply to waive premium of CANsurance Cancer Protection Plan policy for 1 year if you become involuntarily unemployed, wish to pursue further full time education or undertake a working holiday

Extended Grace Period Benefit¹⁰ – Once per policy

You may apply for an extension of grace period of up to 1 year (“Extended Grace Period”) (including the usual 30-day grace period) if you get married or become parent

Convertibility Option¹¹ – Once per policy

You may apply to convert the policy to a designated full medical reimbursement plan while CANsurance Cancer Protection Plan is in force without providing further health evidence

E. Ancillary Services
  1. Second Medical Opinion Service¹²
  2. International SOS 24-hour Worldwide Assistance Program¹²
  3. CANcierge¹³

For full details of benefit items, please refer to the product brochure.

Except Compassionate Death Benefit, CANsurance Cancer Protection Plan does not cover any Covered Cancer1 resulting directly or indirectly from or in respect of any of the following:

  1. any Covered Cancer1 in the presence of any HIV Infection and/or any AIDS related illness. HIV Infection refers to an infection where blood or other relevant test(s) indicate, in FWD’s opinion, either the presence of any Human Immunodeficiency Virus, antigens or antibodies to such virus; or
  2. any drug or alcohol abuse (unless the first symptoms of a relevant Covered Cancer1 caused by such drug or alcohol abuse occurs 2 years after the policy date or the date of last reinstatement, whichever is later).

If the Insured commits suicide (whether sane or insane at that time) within 13 calendar months from the Policy Date, FWD will refund all premiums that FWD has received without interest, less any Policy benefits that FWD has paid and any amounts owed to FWD.

Please refer to the Policy Provisions for the services provided by International SOS.

Credit Risk

CANsurance Cancer Protection Plan is an insurance policy issued by FWD. The application of this insurance product and all benefits payable under your policy are subject to the credit risk of FWD. You will bear the default risk in the event that FWD is unable to satisfy its financial obligations under the insurance contract.

Exchange Rate and Currency Risk

The application of this insurance product with the policy currency denominated in a foreign currency is subject to that foreign currency’s exchange rate and currency risk. The foreign currency may be subject to the relevant regulatory bodies’ control (for example, exchange restrictions). If your home currency is different from the policy currency, please note that any exchange rate fluctuation between your home currency and the policy currency of this insurance product will have a direct impact on the amount of premium required and the value of benefit(s) to be received. For instance, if the policy currency of the insurance product depreciates substantially against your home currency, there is a negative impact on the benefits you receive from the product. If the policy currency of the insurance product appreciates substantially against your home currency, your burden of the premium payment is increased.

Inflation Risk

The cost of living in the future may be higher than now due to the effects of inflation. Therefore, the benefits under CANsurance may not be sufficient for the increasing protection needs in the future even if FWD fulfils all of its contractual obligations.

Premium adjustment

The premium is non-guaranteed and will be determined annually based on the age of the Insured on his or her next birthday at the time of renewal. The premium may increase significantly due to factors including but not limited to age, claims experience and policy persistency.

  1. Covered Cancer refers to the first symptoms that occur no earlier than 90 days after the policy date or the date of last reinstatement, whichever is later, and are subsequently confirmed by a specialist as meeting the definition of Cancer or Carcinoma-in-situ. Please refer to Policy Provisions for the definitions of Cancer and Carcinoma-in-situ.
  2. Only Reasonable and Customary charges for the above benefits will be paid by FWD. Reasonable and Customary refers to a fee or expense which:
  • is actually charged for Medically Necessary treatment, supplies or medical services;
  • 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;
  • does not include charges that would not have been made if no insurance existed.
    FWD may adjust benefit(s) payable under the policy of CANsurance Cancer Protection Plan 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 recognized medical association in the location where the fee or expense is incurred.
  1. Lifetime Cancer Limit refers to the maximum total amount per Insured that FWD will pay under Section A of CANsurance Cancer Protection Plan - Schedule of Benefit for all Covered Cancers from CANsurance Cancer Protection Plan. If the Insured is insured under multiple CANsurance Cancer Protection Plan policies, the Lifetime Cancer Limit will apply across all of these policies, even those policies that have terminated. Once the total amount paid or payable under Section A of CANsurance Cancer Protection Plan - Schedule of Benefit reaches the Lifetime Cancer Limit, the policy will terminate.
  2. Per Covered Cancer Limit refers to the maximum total amount for any single Covered Cancer that FWD will pay under Section A of CANsurance Cancer Protection Plan - Schedule of Benefit. If the Insured is insured under multiple CANsurance Cancer Protection Plan policies, the Per Covered Cancer Limit will apply across all of these policies, even those policies that have terminated.
  3. Asia includes Afghanistan, Bangladesh, Bhutan, Brunei, Cambodia, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Mainland China, Malaysia, Maldives, Mongolia, Myanmar, Nepal, North Korea, Pakistan, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, and Vietnam.
  4. Standard Ward Room refers to a room type in a hospital that is of a quality below a Standard Semi-Private Room. Standard Semi-Private Room refers to a single or double occupancy room in a hospital, with a shared bath / shower room.
  5. Lifetime guaranteed renewal is subject to the continual availability of CANsurance Cancer Protection Plan offered by FWD, terms and conditions applicable, 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 at next birthday and the premium table applicable when the policy is renewed. Premium table is subject to change based on factors including but not limited to the inflation of related medical expenses, FWD’s medical claim experience and persistency of policies from time to time. FWD reserves the right to revise the benefit payable, terms and conditions and premiums any time at renewal.
  6. CANsurance Cancer Protection Plan policy must be in effect for at least 3 consecutive years from the policy date or the date of last reinstatement, whichever is later. This option is only available if FWD offers a designated full medical reimbursement plan at the time of application and subject to FWD’s rules at that time. CANsurance Cancer Protection Plan policy must remain in effect during the temporary coverage period and all premiums still need to be paid when due. You must inform FWD within 31 days of the employment termination date and must provide proof of the change in this employment. This benefit is only available if you or the Insured are changing from a full time employment to any full time employment. This option may be exercised up to 3 times per policy, but you may only make a further application after 3 years has passed from the date of the start of the previous temporary coverage period. This benefit will expire at the earlier of following conditions: i) Insured reaches 65 years old (actual age) or; ii) the CANsurance Cancer Protection Plan policy is terminated. You cannot exercise this benefit in conjunction with Convertibility Option, Special Event Benefit or Extended Grace Period Benefit. vCANsurance Medical Plan (a VHIS Certified Plan, Certification Number: F00051) is currently the designated full medical reimbursement plan of CANsurance Cancer Protection Plan and FWD can revise from time to time without prior notice. FWD is a VHIS provider with registration number 00036.
  7. CANsurance Cancer Protection Plan policy must be in effect for at least 3 consecutive years from the policy date or the date of last reinstatement, whichever is later. You must provide FWD with all documents and information FWD requires within 30 days from the date you first receive relevant proof. This benefit will expire at the earlier of following conditions: i) Insured reaches 65 years old (actual age) or; ii) the CANsurance Cancer Protection Plan policy is terminated. You cannot exercise this benefit in conjunction with Convertibility Option, Job Changer Benefit or Extended Grace Period Benefit.
  8. CANsurance Cancer Protection Plan policy must be in effect for at least 3 consecutive years from the policy date or the date of last reinstatement, whichever is later. You must provide FWD with all documents and information FWD requires within 30 days from the date you first receive relevant proof. If the premium is not paid at the end of the Extended Grace Period, you will be in default and the policy will end. This benefit will expire at the earlier of following conditions: i) Insured reaches 65 years old (actual age); or ii) the CANsurance Cancer Protection Plan policy is terminated. You cannot exercise this benefit in conjunction with Convertibility Option, Job Changer Benefit or Special Event Benefit.
  9. You may apply to convert the CANsurance Cancer Protection Plan policy to a designated full medical reimbursement plan if the policy has been in effect for at least 9 consecutive years from the policy date or the date of last reinstatement, whichever is later. This option is only available if FWD offers a designated full medical reimbursement plan at the time of conversion and subject to FWD’s rules at that time. You may apply when the Insured is aged between 38 and 64 years old (both actual ages inclusive) and within 31 days immediately before or after the respective policy anniversary without providing further health evidence from the Insured. Once approved, conversion will take effect on next policy anniversary and you cannot withdraw the application. CANsurance Cancer Protection Plan will be terminated once the policy is converted. Any claims for any Covered Cancer made under CANsurance Cancer Protection Plan or the converted policy of designated full medical reimbursement plan are subject to the Lifetime Cancer Limit. FWD will not cover any illness or injury (including pre-existing conditions) under the designated full medical reimbursement plan if it occurred before the policy date or the date of last reinstatement (whichever is later) of the CANsurance Cancer Protection Plan. Premium payable under the designated full medical reimbursement plan is not guaranteed and will be determined on conversion. You cannot exercise this benefit in conjunction with Job Changer Benefit, Special Event Benefit or Extended Grace Period Benefit. vCANsurance Medical Plan (a VHIS Certified Plan, Certification Number: F00051) is currently the designated full medical reimbursement plan of CANsurance Cancer Protection Plan and FWD can revise from time to time without prior notice. FWD is a VHIS provider with registration number 00036.
  10. The services are currently provided by International SOS and are not guaranteed renewable. All relevant fees and charges (if any) of these services must be paid by you. FWD shall not be responsible for any act or failure to act on the part of International SOS and/ or any of its affiliates. Details of the services may be revised from time to time without prior notice from FWD.
  11. CANcierge is currently provided by HealthMutual Group Limited (“HMG”) and its healthcare network team, is not a part of the policy or benefit item under the Policy Provisions and only applicable to CANsurance Cancer Protection Plan. FWD reserves the right to terminate or vary CANcierge in its sole discretion without further notice. FWD will not be responsible for any act, negligence or failure to act on the part of HMG and its healthcare network team. For details, please refer to the attached brochure of CANcierge.

The product information in this website is for reference only and does not contain the full terms and conditions, key product risks and full list of exclusions of the policy. For more details of benefits and key product risks, please refer to the product brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the plan.

Please make sure you are eligible for this product before applying. Each insured can only be insured by one (1) policy of the Plan.

  • I (and the Insured person if applicable) am a permanent HKID card holder with a Hong Kong residential address.
  • Currently in Hong Kong at the time of making this application.
  • I will not or have no intention to live or work outside Hong Kong or home country over 183 days in the coming 12 months.
  • I am not a holder of the People’s Republic of China Resident Identity Card.

Not exactly what you need?

If you wish to have more comprehensive coverage, you may consider choosing vCANsurance Medical Plan (a VHIS Certified Plan, Certification Number: F00051) that offers broader benefit coverage and higher benefit limits. FWD is a VHIS provider with registration number 00036.

Frequently Asked Cancer Medical Insurance Questions

Cancer insurance can give you financial support when you are diagnosed with cancer, reducing the burden of medical expenses such as cancer treatment and drugs, and grasp the best time for treatment in time.

This cancer insurance covers includes diagnosis, monitoring, surgery, treatment and medication expenses for different stages of Covered Cancers (including carcinoma-in-situ) . Covered Cancer refers to the first symptoms that occur no earlier than 90 days after the policy date or the date of the last reinstatement whichever is later) and are confirmed by a specialist as meeting the definition of cancer or carcinoma-in-situ.

Everyone. With advanced medical technology, cancer treatment is no longer limited to curing diseases, but also includes health consultation and rehabilitation support. If you are looking for a comprehensive and affordable cancer protection plan to satisfy your medical needs, you can consider FWD’s CANsurance Cancer Protection Plan.

Yes, anyone of any age has the chance to contract with cancer, the earlier you enroll in the policy, the sooner you will be covered. You can purchase FWD’s CANsurance Cancer Protection Plan at age of 19 (age next birthday).

Company’s medical insurance in general only provides outpatient, life protection and hospitalization coverage. Once diagnosed with a critical illness, general company’s medical insurance may not be able to fully cover the medical expenses. FWD's CANsurance Cancer Protection Plan reimburses the eligible expenses of cancer treatment in order to ease the financial burden.

FWD's MyCover Critical Illness Plan mainly covers cancer, heart attack and stroke by paying a lump sum cash compensation upon diagnosis, and you can also upgrade the plan for an additional 59 critical illness coverage. On the other hand, CANsurance Cancer Protection Plan covers the treatment expenses of different stages of cancer, including carcinoma-in-situ and malignant tumors, etc., from diagnosis, inspection, surgery, treatment and drug.

This cancer insurance does not require the insured to undergo a medical check-up or submit a health certificate prior to purchase. You only need to answer 2 simple health questions to apply it online.

The issue age for this cancer insurance is 19-55 years old (age next birthday).

This cancer insurance is limited to standard ward room, which refers to a room type in a hospital that is of a quality below a Standard Semi-Private Room.

This cancer insurance has a cooling-off period and the applicant has the right to cancel the policy within 21 calendar days. For policy surrender, please refer to the product brochure.

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