10-year fixed-premium option with upgraded life coverage up to HK$8 million.
Critical Illness + Medical Protection (optional benefit) in one policy. Worry less and chill.
Enjoy full coverage on a series of hospitalisation and surgical expenses to standard ward room at an affordable premiums.
Top VHIS winner, 100% full cover for hospitalisation and surgical expenses up to HKD12.5 million per policy year
Customers are asked as little as 1 health question with no medical exams or certificates.
Just a few taps and you can complete your online application as quickly as 5 minutes
Most customers can be covered with their policy emailed back as quickly as 30 minutes.
We make it easy to claim - and even easier to get paid. Selected claim types are approved and paid in just 40 seconds.
Good variety of product! Very convenient!
The online platform is easy to use with clear instructions.
FWD online platform is so good! You can get protection in just 5 mins!
Bloomberg Businessweek Financial Institution Awards 2022 – Online Platform Outstanding award
10Life Outstanding VHIS Award 2022 – 5-Star Rating
Markies Award 2022 – VHIS Best coverage, more comprehensive protection Silver award
Bloomberg Businessweek Financial Institution Awards 2022 – Voluntary Health Insurance – Outstanding
10Life Outstanding VHIS Award 2022 – 10/10 Medical coverage score
The Hong Kong Insurance Awards 2022 - Outstanding Digital Marketing Campaign Award (Life Insurance) - Grand Award
FWD eServices app provides faster and smoother claims services. You can get claim and pay-out in a few short taps from your mobile device.
It also gives you easy access to all your policy details, quick update on your information and track your claims instantly.