Medical Insurance
MyMillion Medical Plan
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.
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Do you find yourself in a similar situation?
and looking for a relatively comprehensive medical insurance plan but worry about the affordability of such plans.
but worry that the sub-limits of benefits under current medical insurance plan may not fully cover the medical expense for serious illness.
but worry that the coverage of current medical insurance plan may not fully cover the medical expenses for serious illness or that you’d no longer be covered upon retirement.
MyMillion Medical Plan is here to help!
A medical insurance plan with affordable premiums suit for most of you with full cover¹ for a series of hospitalisation, surgical and expenses on a reimbursement basis without sub-limit
Guaranteed renewal up to Age 101
3 Annual Deductible options to fit your existing medical insurance plan’s coverage^
^ You should have regular review on your existing policies to ensure the coverages can meet your needs.
Product highlights
Designed for mass market at affordable premiums
Fully cover¹ a series of hospitalisation and surgical expenses in the Standard Ward Room² only for a lower premium.
The choice and flexibility of 3 Annual Deductible options to meet your protection needs and budget.
Spending your premium on the benefit items you need
Full cover¹ of a wide range of medical expenses up to HK$4,000,000 per Policy Year without any lifetime limit.
Covering unknown Pre-existing Conditions starting from the 31st day after the Policy Date.
Extra supports on designated illnesses and several cash benefits
Additional Benefit for Prescribed Non-surgical Cancer Treatment³, Kidney Dialysis and Organ or Bone Marrow Transplantation (“Additional Benefit”) up to HK$2,000,000 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.
Third-party professional health assistance services for the support you need
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.
Case Study
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:
- Plan
- MyMillion Medical Plan - Superior
- Annual Deductible
- HK$60,000
- Policy Date
- 1/1/2023
Diagnose with breast cancer
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.
15/2/2025
10/3/2025
- 3 outpatient visits
- PET scan and MRI scan
- Ultrasound-guided Core Needle Biopsy
Confinement and surgery for mastectomy
She is Confined in a Standard Ward Room of private Hospital in Hong Kong for receiving mastectomy.
16/3/2025
19/3/2025
Treatment
Confinement and surgery for mastectomy
Non-surgical Cancer Treatments
She receives the following treatments after discharge from Hospitals and recovers upon the completion of treatments.
25/3/2025
10/9/2025
Treatment
Chemotherapy and targeted therapy
Medical expenses covered by MyMillion Medical Plan ("MyMillion")
- Treatments
- Eligible Expenses
- Pre-confinement outpatient treatments
- HK$37,000ⁱ
- Confinement and surgery for mastectomy
- HK$185,000ⁱⁱ
- Prescribed Non-surgical Cancer Treatments
- HK$600,000ⁱⁱⁱ
- Total Eligible Expenses
- HK$822,000
- Balance of Annual Deductible
- 0ⁱᵛ
Total reimbursement amount
HK$ 822,000
Full CoverMs. 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.
Tips
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$2,000,000 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.
Extra services
Applicants with a designated promotion code* can enjoy a FREE body check. Terms & conditions apply.
Selected applicants with a special promotion code^ can enjoy a free FWD Wellness Pass 12-month plan, with unlimited access to designated health and wellness services at up to 50% discount. Terms & conditions apply. FWD Wellness Pass is a subscription service but not an insurance plan. For details, please see the brochure.
*Except 50OFF, ATL23, HKC23, HAPPY23, FWDMAX, MAXREF, FWDMI, MAXLUCK23, FWDTK, FWDTC, FWDVIP.
^Special promotion codes include FWDMAX, MAXREF, MAXLUCK23, FWDTAIKOO, FWDTLC, FWDVIP.
General Information
Basic Plan
1 (from 15 days) – 81
- Based on Insured’s Age at policy issuance
- Renewal premiums are non-guaranteed and will be determined annually and accordingly to the Insured’s Age upon renewal⁹.
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;
- Asia¹¹ for non-Emergency Treatment
- Worldwide for Emergency Treatment
Standard Ward Room²
HKD 10,000 / HKD 30,000 / HKD 60,000
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:
- I (and the Insured if applicable) am a permanent HKID card holder with a Hong Kong residential address.
- Currently in Hong Kong at the time of making this application.
- I will not or have no intention to live or work outside Hong Kong or home country over 183 days in the coming 12 months.
- I am not a holder of the People’s Republic of China Resident Identity Card.
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.
Looking for other cover?
If you’re looking for more coverage, simply contact us and we’ll get back to you with more information.
What is an Annual Deductible?
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.
Frequently Asked Medical Insurance Questions
