Medical insurance

Medical insurance

CANsurance Cancer Protection Plan

CANsurance Cancer Protection Plan

90% off the premium for the 1st year when you apply online
Get your quote now
Gender
Age
25
Smoking status
Based on information you provided, here is your quote:
Lifetime Cancer Limit:
HK$1,500,000
HK$
--
/mo
The premium is calculated on standard rates and is for reference only. The actual premium to be paid includes insurance levy collected by the Insurance Authority. Please confirm your understanding of the product features and it fits your need(s) before proceeding
We use cookies to give you the best possible experience on our website. By continuing to browse this site, you give consent for cookies to be used. For more details please read our Cookie Policy.
Female, 25 years old, Non-smoker
HK$
--
/mo
Jump to section:
Product highlights
While cancer is tough, cancer insurance doesn’t have to be

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

The decision to be equipped to take on cancer shouldn’t be a tough one. Which is why we’ve created a medical coverage plan that leaves little or even no gaps in the treatment for cancer at different lifestages, and can be converted to a full medical plan for your retirement.
Full medical coverage for all covered cancers

Full medical coverage for all covered cancers

Coverage includes diagnosis, monitoring, surgery, treatment and medication expenses for all levels of covered malignant and pre-cancer
Lifetime cancer coverage

Lifetime cancer coverage

Get up to HK$1.5 million for covered cancers which can be renewed without providing health evidence until age next birthday 100
Coverage during uncertainty

Coverage during uncertainty

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

Beyond financial support

We have enlisted a range of health care professionals as well as practical services to support you towards recovery journey
No medical examination required

No medical examination required

Simply answer 2 health-related questions online to apply
Find out more about the product
CANsurance Cancer Protection Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) ("FWD Life/ FWD"). This eCommerce platform is operated by FWD Financial Limited ("FWD Financial"). FWD Financial is an appointed and licensed insurance agency of FWD Life.

Buy now to enjoy a 90% premium discount for the first year

Buy now to enjoy a 90% premium discount for the first year

We want you to consider wisely but we also don’t want you to put off your decision for too long, so here’s our way of helping you make your mind up. From now on until 31 Aug 2021, enjoy 90% off first year premium discount for online application. Terms & conditions apply.
Benefit Summary

Benefit Summary

Reasonable and Customary1 charges will be reimbursed according to the Schedule of Benefit
Plan level
Economy
Lifetime cancer limit2
HK$1,500,000
Per covered cancer limit3
HK$500,000
Area of cover
Asia4
Room level of hospitalisation
Standard ward room5
Issue age (age next birthday)
19 to 55
Benefit term
Guaranteed yearly renewable6 to age 100 (age next birthday)
A. Cancer Benefits
  1. Diagnostic Benefits – Full Cover

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

  4. Monitoring Benefit (up to 5 years since completion of active treatment) – Full Cover

B. Additional Cancer Care Benefits (maximum limit per Covered Cancer7)
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
  4. 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 Cancer7 resulting directly or indirectly from or in respect of any of the following:
  1. any Covered Cancer7 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 Cancer7 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
The products under this CANsurance Series are insurance policies issued by FWD. The application of these insurance products 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 these insurance products 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 these insurance products 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 Series 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. Only Reasonable and Customary charges for the above benefits will be paid by FWD. Reasonable and Customary refers to a fee or expense which:
    1. is actually charged for Medically Necessary treatment, supplies or medical services;
    2. 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;
    3. 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 Series 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. Lifetime guaranteed renewal is subject to the continual availability of CANsurance Series 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.
  7. Covered Cancer refers to the first symptoms that occur no earlier than 90 days (CANsurance Cancer Protection Plan) / 30 days (CANsurance Full Medical Plan) 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.
  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. 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. CANsurance Full Medical Plan is currently the designated full medical reimbursement plan of CANsurance Cancer Protection Plan and FWD can revise from time to time without prior notice.
  9. 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.
  10. 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.
  11. 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. CANsurance Full Medical Plan is currently the designated full medical reimbursement plan of CANsurance Cancer Protection Plan and FWD can revise from time to time without prior notice.
  12. 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.
  13. 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 Series. 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 the 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.
Not exactly what you need?

Not exactly what you need?

If you wish to have more comprehensive coverage, you may consider choosing CANsurance full medical plan that offers broader benefit coverage and higher benefit limits.
Frequently asked questions

Frequently asked questions

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.
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.
Yes, there is a waiting period of 90 days after policy issue date or the date of last reinstatement, whichever is later.
No. Online platform only accepts application from HKID holder and Hong Kong residents.
FWD Life Insurance Company (Bermuda) Limited accepts payment from the Applicant only for online application.
No waiting period is required to claim from the full medical reimbursement plan if it’s effective by exercising the Job Changer Benefit. However, this benefit is only available when CANsurance Cancer Protection Plan policy is in effect for at least 3 consecutive years from the policy date or the date of last reinstatement, whichever is later.
You can leave your contact for FWD to follow up.

Got a question on this product?

Got a question on this product?

We are here to help
Chat with us on WhatsApp
Get your answer right away
Call us on 3180 0658
10:30am-6:30pm (Mon-Fri)
Leave a message
We will get back to you shortly