A product designed for most of you with full coverage on a series of hospitalisation and surgical expenses to standard ward room at affordable premiums.
and looking for a comprehensive medical plan but worry about the affordability of such plans.
but worry that the sub-limits of the benefits may not fully cover the medical expense for serious illness.
but worry that the coverage may not fully cover the medical expenses for serious illness or that you’d no longer be covered upon retirement.
Affordable premiums suit for most of you with full cover¹ for a series of hospitalisation and surgical expenses on a reimbursement basis without sub-limit
Guaranteed renewal up to Age 101
2 plan levels and 4 Annual Deductible options to fit your existing coverage^
^ You should have regular review on your existing policies to ensure the coverages can meet your needs.
Fully cover¹ a series of hospitalisation and surgical expenses in the Standard Ward Room² only for a lower premium.
Two plan levels with appropriate Annual Limit of HK$1,000,000 or HK$4,000,000 to suit your medical protection needs.
The choice and flexibility of 4 Annual Deductible options to meet your protection needs and budget.
Fully cover¹ a series of hospitalisation and surgical expenses in the Standard Ward Room² only for a lower premium.
Two plan levels with appropriate Annual Limit of HK$1,000,000 or HK$4,000,000 to suit your medical protection needs.
The choice and flexibility of 4 Annual Deductible options to meet your protection needs and budget.
Full cover¹ of a wide range of medical expenses up to HK$1,000,000 (Standard Plan) or HK$4,000,000 (Superior Plan) per Policy Year without any lifetime limit.
A range of hospitalisation and surgical expenses such as room and board, miscellaneous medical charges and surgery fee etc.
Prescribed Non-surgical Cancer Treatments³ include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy
Kidney Dialysis
Prescribed Diagnostic Imaging Test⁴ such as computed tomography (“CT” scan), magnetic resonance imaging (“MRI” scan) and positron emission tomography (“PET” scan) etc.
We’ll cover any Pre-existing Conditions unknown at the time of application from the day 31 of the Policy Date.
Full cover¹ of a wide range of medical expenses up to HK$1,000,000 (Standard Plan) or HK$4,000,000 (Superior Plan) per Policy Year without any lifetime limit.
A range of hospitalisation and surgical expenses such as room and board, miscellaneous medical charges and surgery fee etc.
Prescribed Non-surgical Cancer Treatments³ include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy
Kidney Dialysis
Prescribed Diagnostic Imaging Test⁴ such as computed tomography (“CT” scan), magnetic resonance imaging (“MRI” scan) and positron emission tomography (“PET” scan) etc.
We’ll cover any Pre-existing Conditions unknown at the time of application from the day 31 of the Policy Date.
Additional Benefit for Prescribed Non-surgical Cancer Treatment³, Kidney Dialysis and Organ or Bone Marrow Transplantation (“Additional Benefit”) up to HK$500,000 (Standard Plan) or HK$2,000,000 (Superior Plan) per Policy Year.
We will reduce the Balance of Annual Deductible to zero for the claim arising from designated crises, means the Annual Deductible will be waived in respect of such claim.
We offer several cash benefits to give you extra support.
Cash Benefit for Day Case Procedure
Cash Benefit for Top-up Subsidy⁶
Cash Benefit for Confinement in General Ward of Public Hospital in Hong Kong
Additional Benefit for Prescribed Non-surgical Cancer Treatment³, Kidney Dialysis and Organ or Bone Marrow Transplantation (“Additional Benefit”) up to HK$500,000 (Standard Plan) or HK$2,000,000 (Superior Plan) per Policy Year.
We will reduce the Balance of Annual Deductible to zero for the claim arising from designated crises, means the Annual Deductible will be waived in respect of such claim.
We offer several cash benefits to give you extra support.
Cash Benefit for Day Case Procedure
Cash Benefit for Top-up Subsidy⁶
Cash Benefit for Confinement in General Ward of Public Hospital in Hong Kong
PREMIER THE ONEcierge⁷ with cashless facility in Pan-Asia (Hong Kong, Mainland China, Taiwan, Singapore and Japan).
Second Medical Opinion Service⁸.
International SOS 24-hour Worldwide Assistance Services⁸.
PREMIER THE ONEcierge⁷ with cashless facility in Pan-Asia (Hong Kong, Mainland China, Taiwan, Singapore and Japan).
Second Medical Opinion Service⁸.
International SOS 24-hour Worldwide Assistance Services⁸.
No known/unknown pre-existing conditions at the time of application
Got protection
Applied MyMillion Medical Plan as an insured with no case-based exclusion:
She finds out a painless lump in her breast and has the following treatments for investigation. Thereafter, she is confirmed diagnosed with stage-two breast cancer.
She is Confined in a Standard Ward Room of private Hospital in Hong Kong for receiving mastectomy.
Treatment
Confinement and surgery for mastectomy
She receives the following treatments after discharge from Hospitals and recovers upon the completion of treatments.
Treatment
Chemotherapy and targeted therapy
Ms. Cheung can also get the cash benefit of HK$500 under Cash Benefit for Day Case Procedure for the Day Case Procedure of Ultrasound-guided Core Needle Biopsy.
If the benefit payment has reached the Annual Limit, the excess of Eligible Expenses for Prescribed Non-surgical Cancer Treatments can be covered by Additional Benefit (up to HK$500,000 per Policy Year).
The above example is hypothetical and for illustration purpose. All figures and amounts used are based on assumptions made for REFERENCE only. Each case is different and will be determined by FWD via claim assessment on a case by case basis.
Basic Plan
1 (from 15 days) – 81
To Age 101
Guaranteed yearly renewable⁹ to Age 101
Monthly / Annually
HKD
Except for Psychiatric Treatments¹⁰ and Cash Benefit for Confinement in General Ward of Public Hospital in Hong Kong;
Standard Ward Room²
HKD 0 / HKD 10,000 / HKD 30,000 / HKD 60,000
Standard: HKD1,000,000 per Policy Year
Superior: HKD 4,000,000 per Policy Year
Full cover¹
Full cover¹
Full cover¹
Full cover¹
Full cover¹ (subject to 1 Family Member of Insured per day)
Full cover¹ (maximum 30 days per Policy Year, subject to 1 Qualified Nurse per day)
Full cover¹
HKD 40,000 per Policy Year
Only applicable to Confinement in Hong Kong as recommended by a Specialist
Full cover¹
(In-Patient and out-patient, including Surgeon’s fee, operating theatre fee and Anaesthetist’s fee)
Full cover¹
Maximum 3 prior out-patient visits or Emergency consultations per Confinement/ Day Case Procedure, subject to 1 visit per day
Full cover¹
Maximum 20 follow-up out-patient visits per Confinement/ Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure, subject to 1 visit per day)
Full cover¹
Maximum 30 days per Policy Year (within 30 days after discharge from Hospital following surgery or admission to Intensive Care Unit, subject to 1 Qualified Nurse per day)
Full cover¹ (within 72 hours of the Accident)
Full cover¹ (within 3 months of the Accident)
Full cover¹ (including radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy)
Full cover¹ (including the rental cost of a kidney dialysis machine for use on the Insured at home)
Full cover¹
Standard: HKD 300 per visit
Superior: HKD 500 per visit
Maximum 10 follow-up out-patient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure, subject to 1 visit per day)
Standard: HKD 300 per visit
Superior: HKD 500 per visit
Maximum 10 follow-up out-patient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure, subject to 1 visit per day)
Eligible Expenses incurred in excess of the amounts payable under:
a) benefit item (f) of III. Other benefits for Prescribed Non-surgical Cancer Treatments³;
b) benefit items (d) of I. Hospitalisation benefits and (g) of III. Other benefits for Kidney Dialysis; or
c) benefit items (a) - (g) of I. Hospitalisation benefits and II. Surgical benefits for organ or bone marrow transplantation.
Maximum benefit limit per Policy Year
Standard: HKD 500,000
Superior: HKD 2,000,000
HKD 500 per Day Case Procedure
(Maximum 1 Day Case Procedure per day)
HKD 500 per day of Confinement
(Maximum 60 days per Policy Year)
HKD 500 per day of Confinement
(Maximum 60 days per Policy Year)
Standard: HKD 5,000
Superior: HKD 15,000
Standard: HKD 5,000
Superior: HKD 15,000
The Balance of Annual Deductible (if any and if applicable) will be reduced to zero for the Medical Services if the Insured:
is reasonably aware of any of the designated crises after the first 90 days from the Policy Date; and
upon the recommendation of the attending Physician in writing, receives any Medical Services as a result of the designated crises for which benefits are payable under benefit items I to III as shown in this Benefit Schedule.
Only applicable to policies with Annual Deductible
Service Program
Service Program
Service Program
Credit Risk
MyMillion 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 MyMillion. 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 MyMillion may not be sufficient for the increasing protection needs in the future even if FWD fulfills all of its contractual obligations.
Premium Adjustment
The premium is non-guaranteed and will be determined annually based on the Age of the Insured at the time of renewal. The premium may increase significantly due to factors including but not limited to Age of the Insured at the time of renewal, claims experience, medical inflation and policy persistency, provided any premium review will be applied to all other policies of the same kind and these premium rates are not guaranteed.
Premium Term and Non-Payment of Premium
The premium payment term of MyMillion is up to the Age 101 of the Insured.
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 the first unpaid premium was due. Please note that once the Plan is terminated on this basis, you will lose all of your benefits.
Termination Conditions
The policy will be automatically end on the earliest of the followings:
Under the policy, FWD will not pay any benefits in relation to or arising from the following expenses:
Suicide
If the Insured commits suicide (whether sane or insane at that time) within 13 calendar months from the Policy Date, FWD’s liability under the 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 the policy.
Cancellation Right within Cooling-off Period
If you are not fully satisfied with this policy, you have the right to change your mind.
FWD trusts that this policy will satisfy your financial 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 insurance levy paid by you without interest by giving FWD 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 FWD’s Service Hotline on 3123 3123; (2) visit FWD Insurance Solutions Centres; or (3) email to cs.hk@fwd.com and FWD will be happy to explain your cancellation rights further.
Cancellation Right after Cooling-off Period
To cancel the policy, the Policy Owner needs to send FWD a completed cancellation form or by any other means acceptable by FWD.
Renewal
FWD will automatically renew the policy at each Policy Anniversary until the Expiry Date. This automatic renewal is only applicable if the Policy premiums are paid when due without the requirement of evidence of insurability.
FWD reserves the right to revise, amend or modify the policy, including the premium, at each Policy Anniversary, and FWD will notify you in writing at least 30 calendar days before the Policy Anniversary after which the revisions will take effect.
Refund from Other Sources
If you can obtain a refund of any expenses from any other sources, FWD will only pay for any excess costs of these expenses up to the limit set out in the Policy Schedule or any Endorsement.
You must tell FWD if you or the Insured can obtain a refund of all or part of expenses from any other sources. The reimbursement from those other sources will count towards the Balance of Annual Deductible (if any and if applicable) provided that required documents including but not limited to the original receipts are submitted to FWD. If FWD has paid a benefit which is recoverable from another source, you must refund this amount to FWD.
Notice of Claim
You must inform FWD in written as soon as possible, and no later than 6-month of the Insured’s discharge from Hospital, the date of completion of Day Case Procedure, the date the Medical Service is performed and completed, or the date of death of the Insured, for which a claim will be made on the policy. FWD has the right to reject any written claims submitted after this 6-month notice period.
Obligation to Provide Information
FWD and FWD’s affiliates are obliged to comply with 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 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, FWD’s 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 the 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.
Incorrect Disclosure or Non-disclosure
Your policy is based on the information you and the Insured gave FWD during the application process. It is important that you and the Insured were truthful and accurate with all of the information, including but not limited to Age and gender you provided, as this information helped FWD to decide if you and they were eligible for the policy, and what you need to pay.
You or the Insured are/is required to disclose all material facts in response to FWD's underwriting questions. Material facts are the facts, information or circumstances, in particular medically-related facts, e.g. medical history, smoking status, etc., that would influence the judgment of FWD in setting the premium, or in determining whether to insure the risk. If you or the Insured are/is uncertain as to whether or not a certain piece of information is material, please take a cautious approach and disclose it to FWD.
You should let FWD know immediately if the information you or the Insured gave FWD was inaccurate, misleading or exaggerated. If you or the Insured did not provide accurate and truthful information, or you or they gave misleading or exaggerated information, your benefits or premium under your policy may be affected, and in some cases FWD may cancel your policy.
You should also let FWD know if the Insured’s place of residence or occupation changes and FWD will re-underwriting in respect of such changes based on the then underwriting rules and the re-underwriting result may be more advantageous or adverse to you and the Insured.
Accident and Accidental
refers to a sudden, unexpected and unintentional external event which causes an Injury to the Insured, and occurs while he or she is insured by the policy. An Accident does not include an Illness, degenerative process or any other naturally occurring condition.
Age
refers to the age next birthday of the Insured of the policy, unless otherwise specified.
Annual Deductible
refers to a fixed amount of Eligible Expenses in a Policy Year that the Policy Owner must pay before FWD will reimburse the remaining Eligible Expenses.
Annual Limit
refers to the maximum amount of benefits FWD pays to you in a Policy Year irrespective of whether any limits of any benefit items stated in the Policy Schedule or any Endorsement have been reached. The Annual Limit is counted afresh in a new Policy Year.
Balance of Annual Deductible
refers to the remaining amount of Annual Deductible to be borne by you or the Insured within the relevant Policy Year under the policy.
Confinement or Confined
refers to an admission of the Insured to a Hospital that is recommended by a Physician for Medical Service and as an In-Patient as a result of a Medically Necessary condition. Confinement will be evidenced by a daily room charge invoiced by the Hospital and the Insured must stay in the Hospital continuously for the entire period of Confinement.
Congenital Condition(s)
refers to (a) any medical, physical or mental abnormalities existed at the time of or before birth, whether or not being manifested, diagnosed or known at birth; or (b) any neo-natal abnormalities developed within 6 months of birth.
Day Case Procedure
refers to a Medically Necessary surgical procedure for investigation or treatment listed in the Appendix 1 of the policy provision to the Insured performed in a medical clinic, or day case procedure centre or Hospital with facilities for recovery as a Day Patient.
Disability
refers to an Illness or Injury, including Disabilities arising from the same cause, and any complications arising from that Illness or Injury.
Eligible Expenses
refers to the Reasonable and Customary charges for Medically Necessary treatment or services for a Disability.
Expiry Date
refers to the Policy Anniversary immediately following the Insured’s 100th birthday.
Medically Necessary
refers to a medical recommendation by a Physician, Surgeon or Specialist as part of his or her diagnosis and/or treatment of an Illness or Injury. The medical recommendation must meet each of the following criteria:
• general check-up unrelated to an Illness or Injury;
• preventative screening or check-up looking for the presence of an Illness or Injury where there are no symptoms or history of that Illness or Injury;
• vaccinations for the prevention of an Illness or Injury;
• convalescence, custodial or rest care unrelated to an Illness or Injury;
• cosmetic surgery for aesthetic purposes, including gender identity treatment or procedures of any kind (even if not for aesthetic purposes);
• dental treatment, eye tests and/or optical treatment and surgery, unless this treatment is directly related to an Illness or Injury covered by the policy.
Policy Date
refers to the date when coverage under the policy begins as shown in the Policy Schedule (document attached to the policy which shows important information about the policy, including the policy number, premium payable and the policy benefits) or the date that FWD reinstates the coverage of the policy, whichever is later.
Pre-existing Conditions
refers to any Illness, Injury, physical, mental or medical condition or physiological degradation, including Congenital Condition of the Insured, that has existed prior to the Policy Date. An ordinary prudent person will be reasonably aware of a Pre-existing Condition, where:
Reasonable and Customary
refers to a fee or expense which:
FWD may adjust benefit(s) payable under the policy 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 recognised medical association in the location where the fee or expense is incurred.
MyMillion Medical Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) ("FWD Life/ FWD/We"). This eCommerce Platform is operated by FWD Financial Limited ("FWD Financial"). FWD Financial is an appointed and licensed insurance agency of FWD Life.
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:
Note: Online applicants will be requested to visit FWD Insurance Solutions Centres under the following circumstances: 1) Collection of policy documents upon issuance of policy; 2) Cancellation of policy during the cooling-off period; 3) Change of beneficiary; or 4) Full surrender. Under specific circumstances, we may request online applicants to visit FWD Insurance Solutions Centres for identity verification.
If you’re looking for more coverage, simply contact us and we’ll get back to you with more information.
It is a fixed amount of Eligible Expenses or expenses that, in a Policy Year, you must pay before we shall reimburse the remaining Eligible Expenses.
(which may be unable to fully meet your protection needs)
Minimize the protection gap and the amount of expenses you’ll need to pay out-of-pocket
You should:
Understand the benefits of your existing plan
Consider whether your existing plan can cover your expenses which is born by you due to the Annual Deductible amount of MyMillion’s you selected before you can start claiming from MyMillion. In this way, you can minimise the amount of expenses you’ll need to pay out-of-pocket.
Should you need to claim, you won’t need to be responsible for any Eligible Expenses before the claim is covered by us
You should:
Enjoy a lower premium
You should:
*Including Employee Medical Insurance Plan and individual medical insurance plan
No known/unknown pre-existing conditions at the time of application
No other insurance & medical coverages
Applied MyMillion Medical Plan as an Insured with no case-based exclusion
Confinement^ for colon cancer (a Specified Cancer) and sustained chemotherapy
Confinement^ for injury of anterior cruciate ligament
^Confinement in a Standard Ward Room of a HK private Hospital.
*Annual Deductible is reduced to zero under “First-dollar Coverage – Annual Deductible Waived for Designated Crises” as Specified Cancer is one of the designated crises under this benefit. The Policy Owner is not required to pay the amount of Annual Deductible for such claim and such amount of Eligible Expenses payable will still be reduced from the Balance of Annual Deductible in the relevant Policy Year, if any and if applicable. For the details of the benefit and other designated crises and the corresponding definitions, please refer to the policy provisions of MyMillion Medical Plan.
The above example is hypothetical and for illustration purpose. All figures and amounts used to demonstrate how Annual Deductible works based on assumptions made for REFERENCE only.
MyMillion offers several options for flexibility to serve your needs in different life stages:
(i) you can go through re-underwriting to reduce or remove the Annual
Deductible, subject to our approval; or
(ii) if your policy has been in force for at least two consecutive policy years, you can apply for reducing or removing the Annual Deductibles without re-underwriting within 31 days immediately before or after the relevant policy anniversary that is on or immediately following one of these birthdays of Insured: 50, 55, 60, 65, 70, 75 or 80. You can only do this once.
Please refer to the policy provisions for details.
If Insured is diagnosed with a designated crisis (such as Specified Cancer, Heart Attack and Stroke), Balance of Annual Deductible (if any and if applicable) in respect of the claim of such designated crisis will be reduced to zero under benefit “First-dollar Coverage – Annual Deductible Waived for Designated Crises” of MyMillion, means the relevant benefit payable will be paid without deducting any Balance of Annual Deductible. And such claim amount shall be deducted from the Balance of Annual Deductible of such Policy Year (if any and if applicable) . For the definitions and details of designated crisis and the relevant waiting period, please refer to policy provisions.
MyMillion is not a VHIS plan certified by the Government and will not be eligible for tax deduction.
However, the following key features of VHIS plan have been adopted by MyMillion:
• Guaranteed renewal up to Age 101
• No lifetime benefit limit as per VHIS Standard Plan
• Premium transparency
• Covering unknown Pre-existing Conditions before the Policy Date and Congenital Conditions
• Covering Day Case Procedures
• Covering Prescribed Diagnostic Imaging Tests and Prescribed Non-surgical Cancer Treatments
• Covering Psychiatric Inpatient Treatment in the Hospitals in Hong Kong
The benefits of the above shall subject to the terms and conditions of MyMillion, please refer to policy provision for details.
When choosing a medical insurance plan, you should consider if the product can meet your needs and affordability.
In short, MyMillion is designed for the customers who want to have a medical product with full cover¹ on a series of hospitalisation and surgical expense with Annual Deductible option at an affordable premium. To provide a lower premium, MyMillion only covers Standard Ward Room and offers moderate annual limits (HKD1 million/ HKD4 million) with 4 Annual Deductible options.
While VHIS Flexi-Plan with similar features (with “full cover” feature and deductible options) offer higher annual benefit limit from HK$5 million or above, and covered ward class from general ward to standard private room, which is suitable for the customers with more protection needs.
Except for the room type and annual benefit limit, you should also consider if other benefits item and features (e.g. eligibility for tax deduction) can meet your needs.
Should you want to know more about our VHIS plan and its product highlight, please click here to for more FWD VHIS plan.
In general, the group medical insurance only provides outpatient and hospitalization coverage with itemised limits. MyMillion is an individual medical insurance, which provides full cover¹ for a range of hopsitalisation and surgical expenses (after reducing the Balance of Annual Deductible and subject to the Annual Limit). In case there is shortfall after claiming your group medical insurance, you may claim the remaining amount with MyMillion. In addition, MyMillion can keep your medical protection upon resignation, job changing, or entering the retirement stage when group medical is no longer available.
You should have regular review on your existing policies to ensure the coverages can meet your needs.
Yes. Cashless facility is available under PREMIER THE ONEcierge, the team of specialists of this service will assist you to apply for an efficient and seamless claims resolution arrangement with us prior your hospital admission. Upon the successful arrangement of the whole process, FWD will then provide you with a cashless facility (if applicable) and pay the hospitalization fees and charges on your behalf, subject to respective benefit limits and Annual Deductible (if any and if applicable).
Let us help you.