A comprehensive protection plan tailored for civil servants

1. If you are a Hong Kong taxpayer, you may be eligible for tax deduction of up to HK$8,000 per Insured Person per year of assessment for premium you paid for yourself and your specified relatives. Tax deduction is subject to the latest rules and regulation of Inland Revenue Department of Hong Kong Special Administrative Region. Please refer to the website of the Inland Revenue Department (“IRD”) of Hong Kong Special Administrative Region (www.ird.gov.hk/eng/) and VHIS (www.vhis.gov.hk/en/) or contact the IRD directly for any tax related enquiries. FWD and the intermediaries do not provide tax advice. You should always consult with a professional tax advisor if you have any doubts.
2. vPrime Medical Plan is a Flexi Plan certified by the Hong Kong Special Administrative Region Government (the “Government”) under the Voluntary Health Insurance Scheme (“VHIS”)(Certification number: F00045) and is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability)(“FWD Life”) (VHIS provider registration number is 00036).
3. For vPrime Medical Plan, the benefits described in the Terms and Benefits under the Policy provisions are subject to the restriction in the choice of ward class as stated in the Benefit Schedule and Section 2 of Part 1 of the Supplement – Limitation of benefits under the Policy provisions. The above restriction shall not apply to the terms and benefits within the scope of the Standard Plan Terms and Benefits under the Policy provisions. For the avoidance of doubt, the applicable Standard Plan Terms and Benefits shall be the version as is referred to under Sections 1(a), (b) or (c) of Part 4 under the Policy provisions.
4. Source: Hong Kong cancer statistics of 2022. According to the cancer statistics of 2022, the chances of developing cancer before the age of 75 are approximately 1 in every 4 males and 1 in every 5 females.
5. Source: HK01. Liver cancer is prone to recurrence, divided into early and advanced stages! 8 risk factors to pay more attention to liver health.
6. Source: Yan Chai Health News .The risk of recurrence of stroke within 5 years is 30%.
7. Source: Heart Disease and Stroke Statistics of 2020 by American Heart Association.
8. Source: HK01. The survey indicates that the total cost of raising one child has risen to HKD6 million, with an annual expenditure averaging HKD284,000
9. Source: The Census and Statistics Department. The average monthly household expenditure is HKD30,230.
10. Source: HK01. According to the statistics from the Census and Statistics Department for the fourth quarter of 2022, the median monthly income for Hong Kong residents is HKD20,000, which means that approximately 30% of the income is allocated for household expenses for parents.
11. Per a comparison made by FWD on 5 May 2026 among the term life insurances of key insurers in Hong Kong, only FWD MyTerm Plus Term Life Insurance Plan can provide a total amount payable up to HK$24 million.
12. Assuming that the sum insured of the Insured is HK$8 million, if the Insured dies unexpectedly due to a specified accident, FWD will pay: a) a death benefit of 100% of the total sum insured; plus b) Additional accidental death benefit of 100% of the total sum insured; plus c) Double indemnity benefit of 100% of the total sum insured. The total amount payable is up to 300% of the total sum insured, which is HK$24 million. The relevant payout must meet the specified requirement(s) and is only applicable to MyTerm Plus Term Life Insurance Plan – Superior. Please refer to the policy terms for details.
13. MyTerm Plus offers a Life Celebration Booster Option that allows you to top up your coverage when the insured reaches important milestones, such as marriage, the birth of child etc., on or before insured’s age 55 (age next birthday) without the requirement of evidence of insurability, helping you to plan for the future. Life Celebration Booster Option subjects to FWD Life’s applicable rules and procedures, please refer to the policy provisions for details.
14. Per a comparison made on 28 February 2022 among the personal accident insurance plans of key insurers available in Hong Kong market, Scar due to Accident Benefit is first in market.
15. For medical definitions for Scar due to Accident, please refer to the Policy Provisions.
16. FWD Life will pay the relevant benefit only where the first symptoms appear, the condition occurs and the diagnosis or surgery relating to the relevant disease of the insured occurs after the first 90 calendar days from the commencement date.
17. The maximum sum insured for applicants with age 60 – 69 (actual age) is HK$1,500,000.
18. Crisis benefi­ts (optional benefit - cover additional 59 critical illness on top of the Big 3 disease) is only applicable to the MyCover Plus and MyCover 2-in-1 plan.

⁺FWD Financial reserves the final right of decision and may require applicants to provide proof of civil servant status in order to enjoy civil‑servant‑exclusive offers. Such proof may include, but is not limited to, a valid civil servant staff ID, a salary slip issued within the past three months showing a government department or organisation as the employer, or an official appointment letter or employment confirmation issued by the relevant government department or organisation within the past six months.