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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All premiums are calculated on standard rates and this quote is for reference only. The actual premium to be paid includes an insurance levy, which we’re obliged to collect for the Insurance Authority.
Before proceeding, please confirm you understand this product’s features and that it fits your need(s).
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.
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.
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.
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.
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.
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
Applied MyMillion Medical Plan as an insured with no case-based exclusion:
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.
Confinement and surgery for mastectomy
She is Confined in a Standard Ward Room of private Hospital in Hong Kong for receiving mastectomy.
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.
Chemotherapy and targeted therapy
Medical expenses covered by MyMillion Medical Plan ("MyMillion")
Total reimbursement amount
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$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.
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.
Selected applicants with a specific promotion code# can enjoy a free influenza vaccination service. Terms & conditions apply.
*Except WINWIN, SUPERVIP, FWDMAX, MAXLUCK23, FWDVIP.
^Except ATL23, TM2023, WINWIN, TA23, 4IN1, AIDISCOVERY, SUPERVIP, FWDMAX, FWDVIP, HOLIDAY, PRIME2023.
#Except ATL23, TM2023, WINWIN, TA23, 4IN1, AIDISCOVERY, MAXLUCK23, HOLIDAY, PRIME2023.
1 (from 15 days) – 81
To Age 101
Guaranteed yearly renewable⁹ to Age 101
Monthly / Annually
Except for Psychiatric Treatments¹⁰ and Cash Benefit for Confinement in General Ward of Public Hospital in Hong Kong;
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:
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.