Medical

1. Where requested by FWD upon submission of a claim, the Policy Owner or the Insured Person must declare whether the Insured Person is covered under any group medical scheme provided by other licensed insurance companies. Claim payments shall first be made under such group medical policy of the Insured Person (if any). Any unpaid portion of the Eligible Expenses and/or expenses shall then be claimable under this Policy, subject to the Terms and Benefits of this Policy.

2. (a) The applicable benefit limits shall be counted anew for each Confinement or Day Case Procedure for the same Disability provided that the Confinement or Day Case Procedure does not occur within 90 consecutive days following the Last Date of the previous Confinement or Day Case Procedure concerning the same Disability.
   (b) Where the Insured Person is Confined or receives any Day Case Procedure involving more than 1 Disability, all Disabilities involved in the same Confinement or Day Case Procedure would be subject to 1 applicable benefit limit.
   For details, please refer to Section 1(e) of Part 6 of the Terms and Benefits of the Policy provisions.

3. Annual benefit limit for I. Hospitalization benefits, II. Surgical benefits and benefit items 1 to 8 of III. Other medical benefits. Annual Benefit limit for non-network are HK$150,000 (Plan A), HK$300,000 (Plan B) and HK$600,000 (Plan C).

4. Annual benefit limit for I. Hospitalization benefits, II. Surgical benefits and benefit items 1 to 8 of III. Other medical benefits. Annual Benefit limit for non-network are HK$150,000 (Plan A), HK$300,000 (Plan B) and HK$600,000 (Plan C).Source: Willis Towers Watson: 《2026 Global Medical Trends Survey》

5. FWD shall renew the Policy at each Policy Anniversary up to the Age of 101 (age next birthday) of the Insured Person as long as the requirements as stated in the renewal provisions of the Terms and Benefits of the Policy provisions are met, in particular the change in the Place of Residence and change in the occupation of the Insured Person as mentioned in Section 3 of Part 4 of the Terms and Benefits of the Policy provisions. FWD shall have the right to re-underwrite the Terms and Benefits of the Plan due to a change in the Place of Residence of the Insured Person or change in the occupation of the Insured Person upon Renewal. FWD shall carry out the re-underwriting solely in respect of the change in the Place of Residence or change in occupation of the Insured Person. The re-underwriting result may be more advantageous or adverse to the Policy Owner and the Insured Person.
   FWD reserves the right to revise the Terms and Benefits by giving the Policy Owner a written notice of the revised Terms and Benefits not less than 30 days prior to the Policy Anniversary.

6. Full cover shall mean no itemised benefit sublimit, the actual amount of Eligible Expenses and other expenses charged after deducting the remaining Deductible (if any) and is subject to the Annual Benefit Limit, reimbursement percentage and the number of days limit (where applicable). Full cover applies to selected benefit items only, while other benefit items are not fully covered and are subject to respective benefit item’s limits. Please refer to Benefit Schedule and Policy provisions for details. Full cover is limited to Reasonable and Customary charges or expenses incurred as a result of services which are Medically Necessary. Please refer to the “Important Words” section for the definitions of “Medically Necessary” and “Reasonable and Customary”.

7. Deductible shall mean a fixed amount of Eligible Expenses or expenses that, in a Policy Year, the Policy Owner must pay before FWD shall reimburse the remaining Eligible Expenses or remaining expenses.

8. Coinsurance shall mean a percentage of Eligible Expenses the Policy Owner must contribute. For the avoidance of doubt, Coinsurance does not refer to any amount that the Policy Owner is required to pay if the actual expenses exceed the benefit limits under these Terms and Benefits.

9. Determined at FWD's sole discretion based on designated factors including but not limited to whether there is supplementary major medical bene t under the Eligible Group Medical Insurance Scheme

10. Per a comparison made by FWD on 6 July 2026 among the medical plans of key insurers available in Hong Kong, first-dollar conversion option, Golden years Hospital companion care, Additional benefit for Alzheimer’s Disease treatment and Alzheimer’s Disease preventive care benefit are first-in-market. The above statements are made by FWD based on currently available market information and its understanding thereof, and FWD shall not be liable for any errors or omissions.

11. Eligible Group Medical Insurance Scheme(s) shall mean group medical insurance schemes with hospitalisation benefits sold through FWD’s distribution channels, including group medical insurance schemes underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD”) or Bolttech Insurance (Hong Kong) Company Limited (“Bolttech”), and other group medical insurance schemes approved by FWD. For the avoidance of doubt, group medical insurance schemes offering outpatient benefits only shall not be categorised as Eligible Group Medical Insurance Schemes. FWD reserves the right to change the definition of Eligible Group Medical Insurance Schemes from time to time without prior notice and at its sole discretion.
    Eligible Member means a member (including an employee and his/her dependants) covered under an Eligible Group Medical Insurance Scheme who fulfils the applicable application criteria. Such criteria shall be determined by FWD from time to time at its sole discretion. The relevant eligibility criteria are set out in the "Enrollment Guidelines" section of this product brochure and are provided for reference only. FWD reserves the right to revise or amend any such criteria at its sole discretion and without prior notice.

12. Designated Healthcare Services Provider shall mean a healthcare services provider that has entered into valid written agreements with FWD, with a healthcare network (including but not limited to medical clinic, day case procedure centre or Hospital with a setting for providing Medical Services to a Day Patient) which provides Medical Services to the Insured Person. (1) The list of Designated Healthcare Services Providers for network benefit in Hong Kong (“List 1”) and (2) the list of designated Day Case Procedures and Designated Healthcare Services Providers (“List 2”) (collectively “Lists”) are published on the FWD’s website (https://www.fwd.com.hk/en/support/medical-support). The Lists may be added, deleted, amended or replaced from time to time at FWD’s sole discretion without prior notification. Any change shall be deemed as effective as of the effective date as stated in the Lists. The Policy Owner and/or Insured Person is recommended to refer to FWD’s website for the latest Lists before receiving the Medical Services (including designated Day Case Procedure(s)) or other services. Please refer to Sections 1(c) and 4(e)(iv) of Part 6 of the Terms and Benefits of the Policy provisions for details.

13. Refer to Cash benefit for Day Case Procedure.

14. Where the supplementary major medical benefit is attached after the Policy has come into force, the no claims premium discount applicable to the Renewal premium of such supplementary major medical benefit shall be calculated by reference to the date of attachment, provided that the conditions set out in Sections 6(a) and 6(b) of Part 3 of the Terms and Benefits of the Policy provisions are satisfied. Such calculation shall be subject to the terms and conditions as determined by the Company at its sole discretion from time to time and the prevailing rules adopted by the Company.

15. The information is for reference only and is a general statement based on observation of market situation and/or various publicly available information from different sources of third parties of which FWD believes to be reliable but has not been independently verified. To the fullest extent permitted by law, FWD makes no express or implied representations, statements or warranties as to the accuracy, suitability, completeness or validity of such information (including its suitability for any particular purpose), and disclaims liability for errors or omissions in such information. Under no circumstances shall FWD be liable for any loss or damages arising from the use of or reliance on the information (including any liability to third parties). You are advised to assess for yourself the accuracy, suitability, completeness or validity of such information (including its suitability for any particular purpose). For any queries, please seek independent professional advice.

16. FWD shall have the right to ask for proof of recommendation e.g. written referral or testifying statement on the claim form by the attending doctor or Registered Medical Practitioner.

17. If Eligible Expenses and/or expenses are incurred on the same day for (i) private nursing services provided by a Registered Nurse, which are payable under benefit item 7 of I. Hospitalisation benefits, and (ii) inpatient care services provided by a Healthcare Assistant, which are payable under benefit item 8 of I. Hospitalisation benefits, only the session with the higher fee payable shall be reimbursed for that day. The item that is not reimbursed on that day will not be counted towards the maximum number of days limit of the relevant benefit item. For details, please refer to Sections 4(a)(vii) and 4(a)(viii) of Part 6 of the Terms and Benefits of the Policy provisions.

18. Applicable when the Policy has been in force for 2 consecutive years from the Policy Date.

19. Eligible Expenses incurred for psychiatric treatments, cash benefit for Confinement in general ward in a public Hospital in Hong Kong, cash benefit for Confinement in Intensive Care Unit in Hong Kong and cash benefit for room and board Confinement below entitled ward class in a private Hospital in Hong Kong shall only be payable for Confinement in Hong Kong.
    For the purpose of network benefits:
    (Applicable to EBridge Plans, including supplementary major medical benefit) Where benefits are reimbursed at the limits and Coinsurance (if applicable) specified as “network” in the Benefit Schedule, the relevant Medical Services or services must be performed at a Designated Healthcare Services Provider in Hong Kong for the “network” limits and Coinsurance (if applicable) to apply.
    (Applicable to EBoost Plans) Where benefits are subject to the “network” Annual Benefit Limit and reimbursed at the “network” reimbursement percentage as stated in the Benefit Schedule, the relevant Medical Services or services must be performed at a Designated Healthcare Services Provider in Hong Kong for the “network” Annual Benefit Limit and “network” reimbursement percentage to apply.

20. Except for psychiatric treatments, network benefits, and cash benefit for room and board Confinement below entitled ward class in a private Hospital in Hong Kong, all benefits shall be applicable worldwide.

21. The benefits described in the Terms and Benefits of the Policy provisions are subject to the restriction in the choice of ward class as stated in the Benefit Schedule and Section 1(d) of Part 6 of the Terms and Benefits of the Policy provisions.

22. Applicable for I. Hospitalisation benefits, II. Surgical benefits and bene t items 1 to 8 of III. Other medical benefits.

23. Applicable for I. Hospitalisation benefits, II. Surgical benefits and III. Other medical benefits.

24. Based on the standard premium (excluding premiums for any riders, premium discounts and levy), calculated on an annual payment mode for an insured person aged 31 (age next birthday). Standard premiums are non-guaranteed and will be determined annually based on the insured person's attained age at the time of renewal.

25. If 2 or more surgical procedures performed on the Insured Person arise from the same or related Disability, or from any complications thereof, the surgical procedures for such Disability shall be reimbursed in accordance with the rules specified below –
    a) For the surgical procedure with the highest Surgeon’s fee payable, such fee shall be payable subject to 100% of the benefit limit of the relevant surgical category as specified in the Benefit Schedule;
    b) For the surgical procedure with the second highest Surgeon’s fee payable, such fee shall be payable subject to 50% of the benefit limit of the relevant surgical category as specified in the Benefit Schedule; and
    c) For the surgical procedure(s) with the third highest Surgeon’s fee payable and thereafter, the relevant Eligible Expenses shall be payable subject to 25% of the benefit limit(s) of the relevant surgical category(ies) as specified in the Benefit Schedule.
    For the same Disability, such rules shall be reset provided that the Confinement or Day Case Procedure occurs 90 consecutive days after the Last Date of the previous Confinement or Day Case Procedure in relation to the same Disability.
    When determining the maximum Surgeon’s fee payable in relation to surgical procedures performed on the Insured Person, where 2 or more surgical procedures are performed on the Insured Person at the same time for different or unrelated Disabilities, such surgical procedures shall be reimbursed in accordance with the rules specified below –
    a) For the surgical procedure with the highest Surgeon’s fee payable, such fee shall be payable subject to 100% of the benefit limit of the relevant surgical category as specified in the Benefit Schedule;
    b) For the surgical procedure with the second highest Surgeon’s fee payable, such fee shall be payable subject to 50% of the benefit limit of the relevant surgical category as specified in the Benefit Schedule; and
    c) For the surgical procedure(s) with the third highest Surgeon’s fee payable and thereafter, the relevant Eligible Expenses shall be payable subject to 25% of the benefit limit(s) of the relevant surgical category(ies) as specified in the Benefit Schedule.
    For details, please refer to Section 4(b)(i) of Part 6 of the Terms and Benefits of the Policy Provisions.

26. Unless otherwise specified, the Eligible Expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above. Eligible Expenses and/or expenses incurred shall be subject to the choice of healthcare services providers and restriction in the choice of ward class as specified in Sections 1(c) and 1(d) of Part 6 of the Terms and Benefits of the Policy provisions.
    The benefit coverage, benefit amount and benefit limits, territorial scope of cover, choice of healthcare services provider, choice of ward class, Deductible (if any), Coinsurance (if any), the waiting period for unknown Pre-existing Conditions (if applicable) and the calculation of no claims premium discounts of this Plan will remain unchanged even if the Policy Year lasts for less than 12 months.

27. “Network benefits” refer to the benefits payable for Medical Services or other services performed at a Designated Healthcare Services Provider in Hong Kong and are subject to the terms and conditions as specified in Sections 1(c)(i) to 1(c)(iv) of Part 6 of the Terms and Benefits of the Policy provisions. Otherwise, such benefits shall be referred to as “non-network benefits”.
    “Network” benefit limits, Coinsurance, Annual Benefit Limit and reimbursement percentage (as the case may be) shall apply only to Medical Services or other services performed at a Designated Healthcare Services Provider in Hong Kong. In all other cases, including services performed outside Hong Kong or at a non-Designated Healthcare Services Provider, the applicable “non-network” terms shall apply.
    (Applicable to EBridge Plans, including supplementary major medical benefit) For the purpose of determining the applicable limits and/or Coinsurance (if applicable) where “network” and “non-network” categories differ, the following shall apply:
    Where Medical Services or other services are performed at a Designated Healthcare Services Provider in Hong Kong and the terms and conditions specified in Sections 1(c)(i) to 1(c)(iv) of Part 6 of the Terms and Benefits are fulfilled, the Eligible Expenses or expenses for the applicable benefit items shall be subject to the limits and Coinsurance (if applicable) specified as “network” in the Benefit Schedule. Otherwise, such Eligible Expenses or expenses shall be subject to the limits and Coinsurance (if applicable) specified as “non-network”.
    In any event, the sum of the respective limits of the benefit items consumed under the “network” and “non-network” categories shall not exceed the limits specified as “network” in the Benefit Schedule.
    (Applicable to EBoost Plans) For benefit items where the Annual Benefit Limit applies and/or where “network” and “non‑network” reimbursement percentages differ, the following shall apply:
    Where Medical Services or other services are performed at a Designated Healthcare Services Provider in Hong Kong and the terms and conditions specified in Sections 1(c)(i) to 1(c)(iv) of Part 6 of the Terms and Benefits are fulfilled, the Eligible Expenses and expenses for the applicable benefit items shall be subject to the “network” Annual Benefit Limit and reimbursed at the “network” reimbursement percentage as stated in the Benefit Schedule. Otherwise, such Eligible Expenses or expenses shall be subject to the “non-network” Annual Benefit Limit and reimbursed at the “non-network” reimbursement percentage.
    In any event, the aggregate benefits payable for the applicable benefit items in any Policy Year shall not exceed the “network” Annual Benefit Limit as specified in the Benefit Schedule.
    For details, please refer to Sections 1(c) and 3 of Part 6 of the Terms and Benefits of the Policy provisions.

28. This benefit shall be payable for the Eligible Expenses charged on the psychiatric treatments during Confinement in Hong Kong as recommended by a Specialist. The benefit shall be payable in lieu of benefit items 1 to 2 and 4 to 6 of I. Hospitalisation benefits, benefit items 1 to 3 of II. Surgical benefits, benefit items 1 (excluding Chinese medicine treatments), 5 and 6 of III. Other medical benefits in the Benefit Schedules of EBridge and EBoost Plans. Where the Eligible Expenses involve both psychiatric and non-psychiatric treatments and apportionment of the expenses is not available, the expenses in entirety shall be payable under this benefit if the Confinement is initially for the purpose of psychiatric treatments. If the Confinement initially is not for the purpose of psychiatric treatments, the expenses in entirety shall be payable under benefit items 1 to 2 and 4 to 6 of I. Hospitalisation benefits, benefit items 1 to 3 of II. Surgical benefits, benefit items 1, 5 and 6 of III. Other medical benefits in the Benefit Schedules of EBridge and EBoost Plans.

29. This benefit shall be payable for the Reasonable and Customary charges of Emergency Treatment of the Insured Person’s sound natural teeth solely as a direct result of an Injury, if such treatment is provided within 3 months of the Accident causing such Injury by a registered dentist in a legally registered dental clinic. FWD shall not pay any benefits for any restorative or remedial work (for the purpose other than Emergency Treatment), prostheses, the use of any precious metals or any kind of orthodontics, or other dental surgery performed in a legally registered dental clinic unless the dental surgery is medically necessary. For the purpose of this benefit, medically necessary shall mean the medical service, procedure or supply which are necessary and is (a) consistent with the diagnosis and customary dental treatment; (b) recommended by a Registered Medical Practitioner, Surgeon or registered dentist for such emergency dental treatment and must be widely accepted professionally in Hong Kong or the relevant jurisdictions outside Hong Kong where the legally authorised medical service is provided to the Insured Person, as effective, appropriate and essential based upon recognised standards of the health care specialty involved; and (c) not furnished primarily for the personal comfort or convenience of the Insured Person or any medical service provider. Experimental, screening and preventive services or supplies shall not be considered as medically necessary for the purpose of this benefit. For more details and exclusion of this benefit, please refer to the Policy provisions.

30. Tests covered here only include computed tomography (“CT” scan), magnetic resonance imaging (“MRI” scan), positron emission tomography (“PET” scan), PET-CT combined and PET-MRI combined.

31. Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.

32. This benefit shall be payable in the amount as specified in the Benefit Schedule for each day when the Insured Person is Confined in a room of a private Hospital in Hong Kong where the ward class is below the entitled ward class as specified in the Benefit Schedule during the whole Confinement period, provided that:
    a) Such Confinement is considered Medically Necessary upon the recommendation of the Insured Person’s attending Registered Medical Practitioner; and
    b) The Eligible Expenses incurred for such Confinement are payable under the Terms and Benefits of the Policy provisions.

33. CANcierge, Second Medical Opinion Services, Dementia Support Program and International SOS 24-hour Worldwide Assistance Services are provided by third-party service providers which are not guaranteed renewable. FWD shall not be responsible for any act, negligence or omission of medical advice, opinion, service or treatment on the part of them. FWD reserves the right to amend, suspend or terminate the service without further notice. For details of the above services or programs, please refer to relevant service leaflet.

34. This benefit shall be payable for the cash benefit amount for each day of the Insured Person’s Confinement, provided that:
    a) The Insured Person is Confined in the general ward of a public Hospital in Hong Kong that is run, operated, controlled or subsidised by the Government or the Hospital Authority of Hong Kong;
    b) The Insured Person holds a valid Hong Kong identity card issued by the Immigration Department of Hong Kong; and
    c) Eligible Expenses incurred for the Insured Person’s Confinement are payable under these Terms and Benefits
    This benefit is payable only if the Confinement is recommended in writing by a Registered Medical Practitioner for Medically Necessary treatment of a Disability, and is subject to the limits as specified in the Benefit Schedule.

35. For the Insured Person covered by any other hospital reimbursement plans offered by a licensed insurance company other than FWD, regardless of whether it is an individual or group policy, if the Eligible Expenses incurred for any Confinement of the Insured Person are payable under this Policy after any reimbursement has been paid by such other licensed insurance companies, this benefit shall be payable for each day of Confined period in Hospital, subject to the limits as specified in the Benefit Schedule.

36. The percentage here applies to the Surgeon’s fee actually payable or the benefit limit for the Surgeon’s fee according to the surgical categorisation (subject to the reimbursement rules as specified in Section 4(b)(i) of Part 6 of the Terms and Benefits of the Policy provisions), whichever is the lower.

37. For the avoidance of doubt, if the Insured Person undergoes more than 1 major or complex surgical procedure on the same day, this benefit shall only be payable once in respect of the surgical procedure with the highest surgical category

Credit risk
This 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 this 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 this Plan. 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 this Plan may not be sufficient for the increasing protection needs in the future even if FWD fulfills all of its contractual obligations.

Premium adjustment
The Standard Premium is non-guaranteed and will be determined annually based on the Age of the Insured Person at the time of Renewal⁷. The Standard Premium may increase significantly due to factors including but not limited to Age, medical inflation, and claims experience and policy persistency on an overall basis.

Premium term and non-payment of premium
The premium payment term of the Plan is up to the Policy Anniversary immediately preceding the 101st birthday of the Insured Person.
FWD allows a grace period of 30 days after the premium due date for payment of each premium. This Policy shall continue to be in effect during the grace period but no benefits shall be payable unless the premium is paid. If a premium is still unpaid at the expiration of the grace period, the Policy will be terminated from the date of the first unpaid premium was due. Please note that once the Policy is terminated on this basis, you will lose all of your benefits.

Termination conditions
The Policy shall be automatically terminated on the earliest of the followings:
(a) where the Policy is terminated due to non-payment of premiums after the grace period as specified in Section 13 of Part 2 or Section 3 of Part 3 of the Terms and Benefits of the Policy provisions; or
(b) the day immediately following the death of the Insured Person; or
(c) FWD has ceased to have the requisite authorisation under the Insurance Ordinance to write or continue to write the Policy.
If this Policy is terminated pursuant to Section 15 of the Terms and Benefits, the termination shall be effective at 00:00 hours of the effective date of termination.
Immediately following the termination of the Policy, insurance coverage under the Policy shall cease to be in force. No premium paid for the current Policy Year and previous Policy Years shall be refunded, unless specified otherwise.
Where the Policy is terminated pursuant to (a), the effective date of termination shall be the date that the unpaid premium is first due.
For more details, please refer to Section 15 of Part 2 of the Terms and Benefits of the Policy provisions.

Under the Terms and Benefits of the Policy provisions, FWD shall not pay any benefits in relation to or arising from the following expenses, unless otherwise specified.

1. Expenses incurred for treatments, procedures, medications, tests or services which are not Medically Necessary.

2. Expenses incurred for the whole or part of the Confinement solely for the purpose of diagnostic procedures or allied health services, including but not limited to physiotherapy, occupational therapy and speech therapy, unless such procedure or service is recommended by a Registered Medical Practitioner for Medically Necessary investigation or treatment of a Disability which cannot be effectively performed in a setting for providing Medical Services to a Day Patient.

3. Expenses arising from Human Immunodeficiency Virus (“HIV”) and its related Disability, which is contracted or occurs before the Policy Date. Irrespective of whether it is known or unknown to the Policy Owner or the Insured Person at the time of submission of Application or reinstatement request document, including any updates of and changes to such requisite information (if so requested by FWD under Section 6 of Part 1 of the Terms and Benefits of the Policy provisions) such Disability shall be generally excluded from any coverage of the Terms and Benefits of the Policy provisions if it exists before the Policy Date. If evidence of proof as to the time at which such Disability is first contracted or occurs is not available, manifestation of such Disability within the first five (5) years after the Policy Date shall be presumed to be contracted or occur before the Policy Date, while manifestation after such five (5) years shall be presumed to be contracted or occur after the Policy Date.
   However, the exclusion under the entire Section 3 of Part 7 of the Terms and Benefits of the Policy provisions shall not apply where HIV and its related Disability is caused by sexual assault, medical assistance, organ transplant, blood transfusions or blood donation, or infection at birth, and in such cases the other terms of these Terms and Benefits shall apply.

4. Expenses incurred for Medical Services as a result of Disability arising from or consequential upon the dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents, self-inflicted injuries or attempted suicide, illegal activity, or venereal and sexually transmitted disease or its sequelae (except for HIV and its related Disability, where Section 3 of Part 7 of the Terms and Benefits of the Policy provisions applies).

5. Any charges in respect of services for -
   (a) beautification or cosmetic purposes, unless necessitated by Injury caused by an Accident and the Insured Person receives the Medical Services within ninety (90) days of the Accident; or
   (b) correcting visual acuity or refractive errors that can be corrected by fitting of spectacles or contact lens, including but not limited to eye refractive therapy, LASIK and any related tests, procedures and services.

6. Expenses incurred for prophylactic treatment or preventive care, including but not limited to general check-ups, routine tests, screening procedures for asymptomatic conditions, screening or surveillance procedures based on the health history of the Insured Person and/ or his family members, Hair Mineral Analysis (HMA), immunisation or health supplements. For the avoidance of doubt, this Section 6 of Part 7 of the Terms and Benefits of the Policy provisions does not apply to -
   (a) treatments, monitoring, investigations or procedures with the purpose of avoiding complications arising from any other Medical Services provided;
   (b) removal of pre-malignant conditions; and
   (c) treatment for prevention of recurrence or complication of a previous Disability.

7. Except as otherwise provided in Section 4(c)(iv) of Part 6 of the Terms and Benefits of the Policy provisions, expenses incurred for dental treatment and oral and maxillofacial procedures performed by a dentist except for Emergency Treatment and surgery during Confinement arising from an Accident. Follow-up dental treatment or oral surgery after discharge from Hospital shall not be covered.

8. Expenses incurred for Medical Services and counselling services relating to maternity conditions and its complications, including but not limited to diagnostic tests for pregnancy or resulting childbirth, abortion or miscarriage; birth control or reversal of birth control; sterilisation or sex reassignment of either sex; infertility including in-vitro fertilisation or any other artificial method of inducing pregnancy; or sexual dysfunction including but not limited to impotence, erectile dysfunction or pre-mature ejaculation, regardless of cause.

9. Expenses incurred for the purchase of durable medical equipment or appliances including but not limited to wheelchairs, beds and furniture, airway pressure machines and masks, portable oxygen and oxygen therapy devices, dialysis machines, exercise equipment, spectacles, hearing aids, special braces, walking aids, over-the-counter drugs, air purifiers or conditioners and heat appliances for home use. For the avoidance of doubt, this exclusion shall not apply to rental of medical equipment or appliances during Confinement or on the day of the Day Case Procedure.

10. Except as otherwise provided in Section 4(c)(i) of Part 6 of the Terms and Benefits of the Policy provisions, expenses incurred for traditional Chinese medicine treatment, including but not limited to herbal treatment, bone-setting, acupuncture, acupressure and tui na, and other forms of alternative treatment including but not limited to hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy and other similar treatments.

11. Expenses incurred for experimental or unproven medical technology or procedure in accordance with the common standard, or not approved by the recognised authority, in the locality where the treatment, procedure, test or service is received.

12. Expenses incurred for Medical Services provided as a result of Congenital Condition(s) which have manifested or been diagnosed before the Insured Person attained the Age of nine (9) years.

13. Eligible Expenses which have been reimbursed under any law, or medical program or insurance policy provided by any government, company or other third party.

14. Expenses incurred for treatment for Disability arising from war (declared or undeclared), civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection, or military or usurped power.

Suicide
If the Insured Person commits suicide (whether sane or insane at that time) within 13 calendar months from the Policy Date, FWD’s liability under this Policy will be limited to the refund of premiums paid (without interest) less any outstanding insurance levy and any benefit which has been paid under this Policy.
The above list is not exhaustive and is for reference only. Please refer to the Policy provisions for the complete exclusions including but not limited to exclusions for accidental death benefit and Emergency outpatient dental treatment.

Your right under cooling-off period
If you are not fully satisfied with this Policy, you have the right to change your mind.
FWD trust that this Policy will satisfy your needs. However, if you are not completely satisfied, you have the right to cancel and obtain a full refund of the insurance premium paid by you and levy paid by you without interest by giving us written notice. Such notice must be signed by you and received directly by the office of FWD within 21 calendar days immediately following either the day of delivery of the Policy or a Cooling-off Notice to you or your nominated representative, whichever is the earlier. The notice is the one sent to you or your nominated representative (separate from the Policy) notifying you of your right to cancel within the stated 21 calendar day period. No refund can be made if a claim payment under the Policy has been made prior to your request for cancellation. Should you have any further queries, you may (1) call our Service Hotline on 3123 3123; (2) visit our FWD Insurance Solutions Centres; (3) email to cs.hk@fwd.com and We will be happy to explain your cancellation rights further.

Cancellation right
After the cooling-off period, you can request cancellation of these Terms and Benefits by giving 30 days prior written notice to FWD, provided that there has been no benefit payment under these Terms and Benefits during the relevant Policy Year.

Other insurance coverage
If you have taken out other insurance coverage besides the Plan, you shall have the right to claim under any such other insurance coverage or the Plan. However, if you or the Insured Person has already recovered all or part of the expenses from any such other insurance coverage, FWD shall only be liable for such amount of Eligible Expense, if any, which is not compensated by any such other insurance coverage.
Notwithstanding the above, where requested by FWD upon submission of a claim, the Policy Owner or the Insured Person must declare whether the Insured Person is covered under any group medical scheme provided by other licensed insurance companies. Claim payments shall first be made under such group medical policy of the Insured Person (if any). Any unpaid portion of the Eligible Expenses and/or expenses shall then be claimable under this Policy, subject to the Terms and Benefits of this Policy.

Notice to Claim
Medical claims
All claims incurred shall be submitted to FWD within 90 days after the date on which the Insured Person is discharged from the Hospital, or the date on which the relevant Medical Service is performed and completed. For this purpose,
(a) all original receipts and/ or original itemised bills together with the diagnosis, type of treatment, procedure, test or service provided shall have been submitted to FWD; and
(b) all relevant information, certificates, reports, evidence, referral letter and other data or materials as reasonably required by FWD shall have been furnished to FWD for processing of such claim.
You shall notify FWD if claims cannot be submitted within the above timeframe, otherwise FWD shall have the right to reject claims submitted after the above timeframe. All certificates, information and evidence that are reasonably required by FWD and which can be reasonably provided by you shall be furnished at the expenses of you.

Death/ accidental death claims
Death/ accidental death benefit is payable to beneficiary upon Insured Person’s death if the claimant submits the completed Death Claim Form, the Death Claim – Attending Physician’s Report completed by the last attending doctor (only applicable for death occurred within the first 3 Policy Years), due proof of the death and any other documents as reasonably required by FWD (including all relevant certificates, reports, evidence and other data or materials).
All such documents which can be reasonably provided by you shall be furnished at the expenses of you.

Declaration relating to the Foreign Account Tax Compliance Act and Automatic Exchange of Financial Account Information
FWD is obliged to comply with the following legal and/or regulatory requirements in various jurisdictions as promulgated and amended from time to time, such as the United States Foreign Account Tax Compliance Act, and the automatic exchange of financial account information regime (“AEOI”) followed by the Inland Revenue Department (the “Applicable Requirements”). These obligations include providing information of clients and related parties (including personal information) to relevant local and international authorities and/or to verify the identity of the clients and related parties. In addition, our obligations under the AEOI are to:
i. identify accounts as non-excluded “financial accounts” (“NEFAs”);
ii. identify the jurisdiction(s) in which NEFA-holding individuals and NEFA-holding entities reside for tax purposes;
iii. determine the status of NEFA-holding entities as “passive non-financial entities (NFEs)” and identify the jurisdiction(s) in which their controlling persons reside for tax purposes;
iv. collect information on NEFAs (“Required Information”) which is required by various authorities; and
v. furnish Required Information to the Inland Revenue Department.
The Policy Owner must comply with requests made by FWD to comply with the above Applicable Requirements.