To be a good mother, it's important to have a plan to protect your baby. 

¹ Source: HKET. 1 in every 20 pregnant women is affected by pre-eclampsia, which may lead to both the mother and the baby experiencing oxygen deprivation and death if it’s in a severe condition. Doctors reveal 9 high-risk groups of people.
² Source: Mingpao News. The Hospital Authority stated that the occupancy rate of pediatric wards has been relatively high in recent days, reaching 97% as of the day before yesterday. Average of 200 children are admitted to the hospital every day.
³ vPrime Medical Plan is a Flexi Plan certified by the government under the Voluntary Health Insurance Scheme (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).
⁴ Full cover shall mean no itemised benefit sublimit, the actual amount of Eligible Expenses and other expenses charged after deducting the remaining Deductible / Annual Deductible (if any) and is subject to the Annual Benefit Limit. 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 of relevant products for details.
⁵ This benefit shall be payable for the Eligible Expenses incurred for the benefit items described in benefit items under (a) to (i) of I. Basic benefits in the Benefit Schedule where a surgical procedure is performed by a Surgeon during Confinement or in a setting for providing Medical Services to a Day Patient as a result of the following pregnancy related complications arising during antepartum stages of pregnancy or childbirth – (a) ectopic pregnancy; (b) molar pregnancy; (c) disseminated intravascular coagulopathy; (d) pre-eclampsia; (e) miscarriage; (f) threatened abortion; (g) medically prescribed induced abortion; (h) foetal death; (i) postpartum hemorrhage requiring hysterectomy; (j) eclampsia; (k) amniotic fluid embolism; or (l) pulmonary embolism of pregnancy. This benefit shall only be payable provided that the date of diagnosis of such pregnancy complication is at least twelve (12) months after (i) the Policy Effective Date (if pregnancy complications benefit is offered on the Policy Effective Date) or (ii) the Renewal Date (if the pregnancy complications benefit is first offered on such Renewal).
⁶ This additional benefit is available if the Insured Person or Insured Person’s spouse gives birth to a child after the Policy has been in force for 2 consecutive Policy Years from the Policy Effective Date (“Covered Child”). Two years coverage by a designated medical insurance plan for the Covered Child shall be offered without further evidence of insurability and at no additional charge. For more details, please refer to Section 1 of Part 1 of the Endorsement – Special benefit for infant, life enrichment program for Stroke and child development benefit under the Policy provisions.
⁷ This benefit/service is optional and does not form part of the Terms and Benefits of the VHIS Certified Plan – vPrime Medical Plan (Certification Number: F00045). You have the right to opt-out this benefit/service. Please inform FWD in writing if you do not want to receive this free additional benefit/service.
⁸ If the Policy has been in force for 5 consecutive Policy Years from (i) the Policy Effective Date (if child development benefit is offered on the Policy Effective Date) or (ii) the Renewal Date (if the child development benefit is first offered on such Renewal), this benefit will be payable once if the Insured Person undertakes any of the Child Development Activities in the next Policy Year following the five-year period. For plans with Deductible HKD0/HKD16,000/HKD25,000/HKD50,000: Up to HKD2,000, for plans with Deductible HKD100,000/HKD250,000: Up to HKD500. This benefit will be payable once every 5 consecutive Policy Years and up to Age 25 (attained age) of the Insured Person. For more details, please refer to Section 3 of Part 1 of the Endorsement – Special benefit for infant, life enrichment program for Stroke and child development benefit under the Policy provisions.
⁹ 10Life calculates the estimated average coverage ratio and assigns the rating based on the public information shared by insurance companies. For more details, please refer to the 10Life website. The information provided is based on the data from the 10Life website which has not been independently verified by FWD. FWD makes no representations or warranties and accepts no responsibility or liability as to the accuracy, completeness or fitness for any particular purpose of the information. FWD Life shall not be responsible or liable for any loss or damages arising from the use of or reliance on such information.
¹⁰ In mid-2022, the Census and Statistics Department of Hong Kong announced that the total population of Hong Kong was 7.2916 million. According to third-party Google Analytics statistics, 2.87 million people have visited the FWD online insurance platform in 2023.