Medical insurance

1. Based on the standard premium (excluding any rider premiums, premium discounts, and premium levy), calculated using a 37 year old Insured Person (Age at next birthday) paying annually for the One&All Medical Insurance Plan (Benefit Level: Access). The Standard Premium is non-guaranteed and will be determined annually based on the Age of the Insured Person at the time of Renewal.
2. a. The applicable benefit limit and/or aggregate limit per Disability per Policy Year shall be counted anew for each Confinement or Day Case Procedure for the same Disability provided that the Confinement or Day Case Procedure does not occur within 90 consecutive days following the Last Date of the previous Confinement or Day Case Procedure concerning the same Disability.
   b. Where the Insured Person/Covered Parent is Confined or receives any Day Case Procedures involving more than 1 Disability, all Disabilities involved in the same Confinement or Day Case Procedure would be subject to 1 applicable benefit limit and/or aggregate limit per Disability per Policy Year.
3. Source: Sky Post – “通波仔/搭橋點樣揀? 心臟科醫生詳析兩大冠心病手術特點”
4. Source: Now News – “公院300病人年付逾40萬藥費 醫衛局研重症治療費封頂機制”
5. Source: Hospital Authority – “Report on Key Performance Indicators” December 2024 — 90th percentile waiting time for routine cases.
6. Source: Willis Towers Watson – “2025 Global Medical Trends Survey.”
7. Based on the standard premium (excluding any rider premiums, premium discounts, and premium levy), calculated using a 62 year old Insured Person (Age at next birthday) paying annually for the One&All Medical Insurance Plan (Benefit Level: Access). The Standard Premium is non-guaranteed and will be determined annually based on the Age of the Insured Person at the time of Renewal.
8. Coinsurance shall mean a percentage of Eligible Expenses the Policy Owner must contribute. For the avoidance of doubt, Coinsurance does not refer to any amount that the Policy Owner is required to pay if the actual expenses exceed the benefit limits under these Terms and Benefits.
9. Source: Oriental Daily – “調查:70%港人願北上求醫”
10. Source: Sing Tao Headline – “北上求醫成風 肺癌患者:標靶藥只需1/4價錢 數以百計病友返內地治療”
11. Source: The Department of Health – “Population Health Survey 2020–22.”
12. Source: Hong Kong on.cc (Oriental Online) – “醫健通「健康管理」功能 中大研究證有助糖尿病人控制血糖”
13. Family Booster for Parent Option is an optional benefit selected by the Policy Owner at the time of application for the Plan and the benefit level is Connect.
    Any benefit amount(s) paid under the Family Booster for Parent Option shall not be counted towards any benefit limit(s) as applicable under the Plan and shall not affect the coverage available to the Insured Person and/or the eligibility of no claims premium discount under the Plan.
14. Census and Statistics Department – “Thematic Household Survey Report No. 78.”
15. Applicable to people aged 1 to 65 next birthday. For relevant underwriting requirements, terms and conditions, please refer to the complete underwriting questions.
16. Tests covered here only include computed tomography (“CT” scan), magnetic resonance imaging (“MRI” scan), positron emission tomography (“PET” scan), PET-CT combined, PET-MRI combined, X-Ray, mammogram, bone densitometry and ultrasound.
17. FWD Life Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) (“FWD”, “the Company”, “We”, “Us” or “Our”) shall have the right to ask for proof of recommendation e.g. written referral or testifying statement on the claim form by the attending doctor or Registered Medical Practitioner.
18. Designated crises shall include Cardiac Impairment Caused By Cardiomyopathy, Cardiac Impairment Due To Primary Pulmonary Arterial Hypertension, Chronic Liver Disease, Coronary Artery Bypass Operation, End Stage Lung Disease, Fulminant Hepatitis, Heart Attack (Acute Myocardial Infarction), Kidney Failure, Major Organ Transplantation, Open Heart Valve Surgery, Parkinson’s Disease, Severe Rheumatoid Arthritis, Specified Cancer, Stroke, Surgery to Aorta and Terminal Illness.
    The first-dollar coverage – Coinsurance waived for designated crises shall not be applicable to the Medical Services arising from any designated crisis that the Policy Owner or Insured Person is aware of, or shall be reasonably aware of within the first 90 days from the Policy Date of the Policy. The Policy Owner or Insured Person shall be reasonably aware of a designated crisis where
    a. the designated crisis has been diagnosed;
    b. the designated crisis has manifested clear and distinct signs or symptoms; or
    c. medical advice or treatment has been sought, recommended or received for the designated crisis.
19. While the Basic Policy and this Option are in force, if the Covered Parent has the First Confirmed Diagnosis of a Severe Cancer after the Waiting Period of Family Booster for Parent, FWD will waive the premiums payable for that Covered Parent under this Option for a maximum of 5 years or until the termination of this Option, whichever is earlier.
20. The Service is provided by a third-party service provider namely the Hong Kong Pharmaceutical Care Foundation (“HKPCF”). FWD is not the provider of the Service. HKPCF and its team are not FWD’s employees, agents or representatives. FWD makes no representation, warranty or undertaking as to the availability and quality of the Service. FWD shall not accept any responsibility or liability for their services, opinions, treatment, negligence, omission or failure to act by such third-party service providers. FWD reserves the right to replace any of such service provider or cease and/or suspend the provision of such services without prior notice. FWD does not provide any medical advice, and Eligible Customers should consult their own medical advisors for professional advice. The information above is for reference only and none of the above is binding upon FWD or HKPCF. The Service is currently provided by HKPCF and it is not guaranteed renewable. FWD shall not be responsible for any act or failure to act on the part of HKPCF and the professionals. FWD reserves the right to amend, suspend or terminate the Professional Drug Consultation and Medication Management Service and to amend the relevant terms and conditions at any time without prior notice.
21. Eligible Customers must provide their names and policy number; or otherwise, HKPCF is unable to provide the Services. The personal data collected is only for the purpose of registering the Services and will not be used for other purposes.
22. If the Eligible Customers subscribe additional or other services (if any) provided by HKPCF after enjoying this Service, they shall pay additional fees to HKPCF. FWD shall not accept any responsibility or liability for the additional or other services.
23. In case of any dispute arise in the contents of this leaflet, FWD has final interpretation right on the contents of this leaflet.
24. Eligible Customers mean the Insured Person of the Designated Medical Insurance Plans. “Designated Medical Insurance Plan(s)” means any of the following products: One&All medical Insurance Plan. Products falling within “Designated Medical Insurance Product” is subject to their availability and the meaning of “Designated Medical Insurance Product” is subject to change as determined by FWD from time to time at its sole and absolute discretion without further notice. The policies of these products are subject to the respective policies’ terms and conditions. Please refer to the product brochures and policy provisions for details.
25. HKPCF will provide a discount on dispensing to Eligible Customers who hold a valid medication prescription. The discounted price will cover all professional fees, including the medication and dispensing fees. Arrangement details will be mutually agreed upon by the Eligible Customers and HKPCF.
26. The services are provided by third party service provider(s) which are not guaranteed renewable. FWD shall not be responsible for any act, negligence or omission of medical advice, opinion, service or treatment on the part of them. FWD reserves the right to amend, suspend or terminate the service without further notice. For details of the services, please refer to the leaflet of FWD Professional Health Assistance Services.
27. It means Guangdong-Hong Kong-Macao Greater Bay Area, for details, please visit https://www.bayarea.gov.hk/en/home/index.html.
28. Hospital for this Service means a variety of network hospitals in the GBA providing treatment under the Service.
29. For any enquiries about Policy information and the list of hospitals in the GBA, please contact your advisors or FWD’s Service Hotline at (852) 31233123. Medical companion service will be provided via the International VIP access, International Medical Center or Special Need Department (if any) provided by the designated network hospitals at the GBA cities in mainland China.
30. Terms and conditions apply to the Cashless Facility that can be accessed at https://www.fwd.com.hk/en/support/cashless-facility/. Cashless Facility is an administrative arrangement to pay the covered expenditures when the Insured Person is at the day surgery centre/ clinic or under confinement, but not a benefit item under Policy provisions or a guaranteed successful arrangement (“Cashless Facility”). FWD reserves the right to terminate or vary the service in its sole discretion without further notice. FWD would pay the medical cost to the relevant hospital on behalf of the Insured Person after successful arrangement of Cashless Facility. If there is co-insurance (if any) of One&All Medical Insurance Plan, Policy Owners must pay the amount when Insured Persons are at the day surgery centre/ clinic or admitted to the hospital. If the medical expenses paid by FWD is higher than the claims amount payable, FWD will collect the balance from the Policy Owners.
31. The list of medical institutions may be revised from time to time without prior notice.
32. FWD shall renew the Policy at each Policy Anniversary up to the Age of 101(Age at next birthday) of the Insured Person as long as the requirements as stated in the renewal provisions of the Terms and Benefits of the Plan are met, in particular the change in the Place of Residence or citizenship and change in the occupation of the Insured Person. FWD shall have the right to re-underwrite the Terms and Benefits of the Plan due to a change in the Place of Residence or citizenship of the Insured Person or change in the occupation of the Insured Person upon Renewal. FWD shall carry out the re-underwriting solely in respect of the change in the Place of Residence or citizenship or change in the occupation of the Insured Person. The re-underwriting result may be more advantageous or adverse to the Policy Owner and the Insured Person. FWD reserves the right to revise the Terms and Benefits by giving the Policy Owner a written notice of the revised Terms and Benefits of not less than 30 days prior to the Renewal Date.
33. For Emergency Treatment received outside the applicable territorial scope of cover and healthcare services providers, (i) no benefit shall be payable under Section 3 of Part 6 of the Terms and Benefits, under Sections 1 to 7 (if applicable) of Part 1 of the Supplement – Enhanced benefits and Sections 3, 5 and 6 (if applicable) of Part 1 of the Supplement – Other benefits for the benefit level of Access and Beyond; (ii) 30% Coinsurance will be applied to any Eligible Expenses and/or other expenses incurred, and shall be payable in accordance with these Terms and Benefits for the benefit level of Connect, and the final amount payable under these Terms and Benefits subject to the benefit limit as stated in the Benefit Schedule.
    For any non-Emergency Treatment received outside the applicable territorial scope of cover and healthcare services providers, no benefit shall be payable under Section 3 of Part 6 of the Terms and Benefits, under Sections 2 to 8 (if applicable) of Part 1 of the Supplement – Enhanced benefits and Sections 5 to 8 (if applicable) of Part 1 of the Supplement – Other benefits. If the Insured Person receives a Medical Service and Eligible Expenses and/or other expenses are charged by a Hospital in mainland China, but such Hospital does not fall within the designated Hospital list in mainland China published on the "Customer support" page of FWD’s website (www.fwd.com.hk/en/support/medical-support/), no benefit shall be payable under Section 3 of Part 6 of the Terms and Benefits, Sections 1 to 8 (if applicable) of Part 1 of the Supplement – Enhanced benefits and Sections 3 to 6 (if applicable) of Part 1 of the Supplement – Other benefits.
34. This benefit shall be payable for the Eligible Expenses charged on the psychiatric treatments during Confinement in Hong Kong as recommended by a Specialist. The benefit shall be payable in lieu of other benefit items under (a) to (m) of I. Basic benefits in the Benefit Schedule. Where the Eligible Expenses involve both psychiatric and non-psychiatric treatments and apportionment of the expenses is not available, the expenses in entirety shall be payable under this benefit if the Confinement is initially for the purpose of psychiatric treatments. If the Confinement initially is not for the purpose of psychiatric treatments, the expenses in entirety shall be payable under benefit items (a) to (m) of I. Basic benefits in the Benefit Schedule.
35. The Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to Intensive Care Unit for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable in accordance with the Terms and Benefits.
36. This benefit shall be payable if the Insured Person is Confined in a Hospital in Hong Kong during which she is admitted to an Intensive Care Unit for at least 3 consecutive days, and such Intensive Care Unit admission is solely and directly caused by a pregnancy related complication for which the Eligible Expenses incurred during such Confinement period are payable in accordance with pregnancy complications under Enhanced benefits.
37. Asia shall include Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam.
38. The benefits described in the Terms and Benefits of the Plan are subject to the restriction in the choice of ward class as stated in the Section 2 of Part 1 of the Supplement – Limitation of benefits of the Terms and Benefits of the Plan.
39. Unless otherwise specified, the Eligible Expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table. Eligible Expenses and/or expenses incurred shall be subject to the restriction in the geographical limitation, limitation on choice of healthcare services providers and choice of ward class. The benefit coverage, benefit amount and benefit limits, territorial scope of cover, choice of healthcare services provider, choice of ward class, Coinsurance (if any) and the waiting period for unknown Pre-existing Conditions of this Plan will remain unchanged even if the Policy Year lasts for less than 12 months.
40. Full cover shall mean no itemised benefit sublimit, the actual amount of Eligible Expenses and other expenses charged is subject to the aggregate limit per Disability per Policy Year. Full cover is limited to Reasonable and Customary charges or expenses incurred for Medical Services which are Medically Necessary.
41. Full cover for Standard Ward Room of Hong Kong Public Hospital, Standard Ward Room under general units of Hospital of grade II or above in mainland China as recognized by the Chinese social insurance system (excluding a affiliated departments such as international medical services, special medical services, VIP wards and cadre wards) and Macau Public Hospital; 30% Coinsurance for Hospital of grade II or above in mainland China (other than Standard Ward Room under general units), other Hospital under designated Hospital list in mainland China and medical clinic, day case procedure centre and other Hospital in Macau. Subject to all limitations and restrictions as specified in the Supplement – Limitation and calculation of benefits.
42. Full cover for Standard Ward Room of Hong Kong Public Hospital, Standard Ward Room under general units of Hospital of grade II or above in mainland China as recognized by the Chinese social insurance system (excluding a affiliated departments such as international medical services, special medical services, VIP wards and cadre wards) and Macau Public Hospital; 30% Coinsurance for other ward of Hong Kong Public Hospital, Hospital of grade II or above in mainland China (other than Standard Ward Room under general units), other Hospital under designated Hospital list in mainland China, medical clinic, day case procedure centre and other Hospital in Asia (subject to designated Hospital in mainland China). Subject to all limitations and restrictions as specified in the Supplement – Limitation and calculation of benefits.
43. Designated Healthcare Services Provider shall mean a healthcare services provider that has entered into valid written agreements with FWD, with a healthcare network (including but not limited to medical clinic, day case procedure centre or Hospital with a setting for providing Medical Services to a Day Patient) which provides Medical Services to the Insured Person.
44. For the Insured Person covered by any other hospital reimbursement plans offered by a licensed insurance company other than FWD, regardless of whether it is an individual or group policy, if the Eligible Expenses incurred for any Confinement of the Insured Person are payable under this Policy after any reimbursement has been paid by such other licensed insurance companies, this benefit shall be payable for each day of Confined period in Hospital, subject to the limits as specified in the Benefit Schedule.
45. The list of Specified Diagnostic Imaging Tests, designated Day Case Procedures and Designated Healthcare Services Providers (hereafter “List”) is published on FWD’s website (www.fwd.com.hk/en/support/medical-support/). The List may be added, deleted, amended or replaced from time to time at FWD’s sole discretion without prior notification. Any change shall be deemed as effective as of the effective date as stated in the List. The Policy Owner and/or Insured Person is recommended to refer to FWD’s website for the latest List before receiving the Specified Diagnostic Imaging Tests or designated Day Case Procedures.
46. The Specified Diagnostic Imaging Test provided by the Designated Healthcare Services Provider is subject to the availability of the imaging test at the time provided by the Designated Healthcare Services Provider.
47. Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
48. This benefit shall be payable for the Eligible Expenses incurred for the benefit items described in Sections 3(a) to (k) of Part 6 of the Terms and Benefits 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 12 months after the Policy Date.
49. This benefit is payable for the Reasonable and Customary charges of Emergency Treatment of the Insured Person’s sound natural teeth solely as a direct result of an Injury, if such treatment is provided within 3 months of the Accident causing such Injury by a registered dentist in a legally registered dental clinic (subject to territorial scope of cover and healthcare services providers). FWD shall not pay any benefits for any restorative or remedial work (for the purpose other than Emergency Treatment), prostheses, the use of any precious metals or any kind of orthodontics, or other dental surgery performed in a legally registered dental clinic unless the dental surgery is medically necessary. For the purpose of this benefit, medically necessary shall mean the medical service, procedure or supply which are necessary and is (a) consistent with the diagnosis and customary dental treatment; (b) recommended by a Registered Medical Practitioner, Surgeon or registered dentist for such emergency dental treatment and must be widely accepted professionally in Hong Kong or the relevant jurisdictions outside Hong Kong where the legally authorised medical service is provided to the Insured Person, as effective, appropriate and essential based upon recognised standards of the health care specialty involved; and (c) not furnished primarily for the personal comfort or convenience of the Insured Person or any medical service provider. Experimental, screening and preventive services or supplies shall not be considered as medically necessary for the purpose of this benefit. For more details and exclusion of this benefit, please refer to the Policy provisions.
50. The premiums you paid (if any) for the Option are not eligible for no claims premium discounts available under the Basic Policy. While the Basic Policy and this Family Booster for Parent Option are in force, the Policy Owner may be required to submit the identification document of the parent of the insured person of the Basic Policy issued by the relevant competent authority of a lawful jurisdiction and any other documents as reasonably required by FWD within one hundred and eighty (180) days from the Policy Date where these Terms and Benefits of Family Booster for Parent Option are first issued. Once the Company receives the abovementioned documents from the Policy Owner to the Company’s satisfaction, the Company will notify the Policy Owner in writing of the entitlement to the coverage for the Covered Parent under the Family Booster for Parent Option by issuing the Entitlement of Family Booster for Parent Option Benefit Endorsement. The Option will be effective until the Covered Parent reaches Age 81(Age at next birthday).
    If the Covered Parent receives Medical Services for any Disability, where the First Symptoms appear, the condition occurs and the diagnosis or surgery relating to that Disability happens after two (2) consecutive years from the Policy Date (“Waiting Period of Family Booster for Parent”), the Eligible Expenses, expenses, cash benefits and/or waiver of premium arising from such Disability shall be covered under parent booster benefit and/or waiver of premium for Severe Cancer in accordance with Part 6(A) and 6(B). Parent booster benefit shall not be payable for and/or waiver of premium for Severe Cancer shall not be applicable to the respective Disability if the First Symptoms appear, the condition occurs and the diagnosis or surgery relating to that Disability happens within or prior to the aforesaid Waiting Period of Family Booster for Parent.
    Notwithstanding anything to the contrary under these Terms and Benefits of Family Booster for Parent Option, the Waiting Period of Family Booster for Parent shall not apply if the Covered Parent receives Medical Services for any Disability and/ or premium waived for Severe Cancer which is solely and directly caused by an Accident, independent of any other cause. In such circumstances, the coverage for the Covered Parent under this Family Booster for Parent Option shall be effective from the Policy Date.
51. The benefit amount(s) paid shall not be counted towards any benefit limit(s) as applicable under the terms and benefits of the Basic Policy and shall not affect the coverage available to the Insured Person of the Basic Policy and/or the eligibility of no claims premium discount of the Basic Policy. Such terms and conditions are determined by FWD from time to time at its sole discretion, including but not limited to the FWD’s prevailing rules and regulations at the time of application.
52. Unless otherwise specified, the Eligible Expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above. Eligible Expenses and/or expenses incurred shall be subject to the restriction in the choice of ward class.
53. For any treatment received outside the applicable territorial scope and healthcare service providers of cover, no benefit shall be payable under Section 3(a) to 3(s) of the Part 6(A) of the Terms and Benefits of Family Booster for Parent Option.
    If the Covered Parent is not a Hong Kong identity card holder and/or is not classified as an “Eligible Person” under the Hospital Authority’s definition of “Public Charges”, as published on the Hospital Authority’s official website, and receives a Medical Service and Eligible Expenses and/or other expenses are charged by a Hong Kong Public Hospital, no benefit shall be payable under Section 3(a) to 3(j), 3(l) to 3(s) of the Part 6(A) of the Terms and Benefits of Family Booster for Parent Option.
    If the Covered Parent receives a Medical Service and Eligible Expenses and/or other expenses are charged by a Hospital in mainland China, but such Hospital does not fall within the designated Hospital list in mainland China published on the "Customer support" page of FWD's website (www.fwd.com.hk/en/support/medical-support/), no benefit shall be payable under Section 3 of the Part 6(A) of the Terms and Benefits of Family Booster for Parent Option.
54. a. The applicable benefit limit and/or aggregate limit per Disability per Policy Year shall be counted anew for each Confinement or Day Case Procedure for the same Disability provided that the Confinement or Day Case Procedure does not occur within 90 consecutive days following the Last Date of the previous Confinement or Day Case Procedure concerning the same Disability.
    b. Where the Covered Parent is Confined or receives any Day Case Procedures involving more than 1 Disability, all Disabilities involved in the same Confinement or Day Case Procedure would be subject to 1 applicable benefit limit and/or aggregate limit per Disability per Policy Year.
55. The benefits described in the Terms and Benefits of the Option are subject to the restriction in the choice of ward class as stated in the Section 1(c) of Part 6(A) of the Terms and Benefits of the Option.
56. Coinsurance shall mean a percentage of Eligible Expenses the Policy Owner must contribute. For the avoidance of doubt, Coinsurance does not refer to any amount that the Policy Owner is required to pay if the actual expenses exceed the benefit limits under these Terms and Benefits of Family Booster for Parent Option.
57. This benefit shall be payable for the Eligible Expenses charged on the psychiatric treatments during Confinement in Hong Kong as recommended by a Specialist. The benefit shall be payable in lieu of other benefit items under (a) to (m) in the Benefit Schedule. Where the Eligible Expenses involve both psychiatric and non-psychiatric treatments and apportionment of the expenses is not available, the expenses in entirety shall be payable under this benefit if the Confinement is initially for the purpose of psychiatric treatments. If the Confinement initially is not for the purpose of psychiatric treatments, the expenses in entirety shall be payable under (a) to (m) of benefit items in the Benefit Schedule.
58. This benefit is payable for the Reasonable and Customary charges of Emergency Treatment of the Covered Parent’s sound natural teeth solely as a direct result of an Injury, if such treatment is provided within 3 months of the Accident causing such Injury by a registered dentist. FWD shall not pay any benefits for any restorative or remedial work (for the purpose other than Emergency Treatment), prostheses, the use of any precious metals or any kind of orthodontics, or other dental surgery performed in a legally registered dental clinic unless the dental surgery is medically necessary. For the purpose of this benefit, medically necessary shall mean the medical service, procedure or supply which are necessary and is (a) consistent with the diagnosis and customary dental treatment; (b) recommended by a Registered Medical Practitioner, Surgeon or registered dentist for such emergency dental treatment and must be widely accepted professionally in Hong Kong or the relevant jurisdictions outside Hong Kong where the legally authorised medical service is provided to the Covered Parent, as effective, appropriate and essential based upon recognised standards of the health care specialty involved; and (c) not furnished primarily for the personal comfort or convenience of the Covered Parent or any medical service provider. Experimental, screening and preventive services or supplies shall not be considered as medically necessary for the purpose of this benefit. For more details and exclusion of this benefit, please refer to the Policy provisions.

Credit Risk
This product 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 this Plan. 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 this Plan may not be sufficient for the increasing protection needs in the future even if FWD fulfills all of its contractual obligations.

Premium Adjustment
The Standard Premium is non-guaranteed and will be determined annually based on the Age of the Insured Person at the time of Renewal. The Standard Premium may increase significantly due to factors including but not limited to Age, medical inflation, and claims experience and policy persistency on an overall basis.

Premium Term and Non-Payment of Premium
The premium payment term of the One&All Medical Insurance Plan is up to the Policy Anniversary immediately preceding the 101st birthday of the Insured Person. For One&All Medical Insurance Rider, its premium payment term ends on the termination of the Basic Policy, or the Policy Anniversary immediately preceding the 101st birthday of the Insured Person, whichever is earlier. 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 policy is terminated on this basis, you will lose all of your benefits.

Termination Conditions
The Plan shall be automatically terminated on the earliest of the followings:
(a) where the Policy is terminated due to non-payment of premiums after the grace period as specified in Section 13 of Part 2 or Section 3 of Part 3 of the Terms and Benefits; or
(b) the day immediately following the death of the Insured Person; or
(c) FWD has ceased to have the requisite authorisation under the Insurance Ordinance to write or continue to write the Policy.
If this Policy is terminated pursuant to this Section 15 of the Terms and Benefits, the termination shall be effective at 00:00 hours of the effective date of termination.
Immediately following the termination of this Policy, insurance coverage under the Policy shall cease to be in force. No premium paid for the current Policy Year and previous Policy Years shall be refunded, unless specified otherwise. Where the Policy is terminated pursuant to (a), the effective date of termination shall be the date that the unpaid premium is first due.
Where the Policy is terminated pursuant to (b) or (c), FWD shall refund the relevant premium paid for the current Policy Year on a pro rata basis.
This Policy shall also be terminated if the Policy Owner decides to cancel this Policy or not to renew this Policy in accordance with Section 3 of this Part 2 of the Terms and Benefits or Section 1 of Part 4 of the Terms and Benefits, as the case may be, by giving the requisite written notice to FWD. If this Policy is terminated under Section 3 of this Part 2 of the Terms and Benefits, the effective date of termination shall be the date as stated in the cancellation notice given by the Policy Owner. However, such date shall not be within or earlier than the notice period as required by Section 3 of this Part 2 of the Terms and Benefits for the cancellation. If this Policy is not renewed under Section 1 of Part 4 of the Terms and Benefits, the effective date of termination shall be the Policy Anniversary immediately following the expiry of the Policy Year during which this Policy remains valid.
If this Policy is terminated under (a) or (c) of this Section 15 of the Terms and Benefits, in the case where the Insured Person is being Confined or is undergoing Prescribed Non-surgical Cancer Treatment for a Disability suffered before such termination, then, with respect to the Confinement or treatment in relation to the same Disability, Eligible Expenses incurred shall continue to be covered under this Policy until (i) the Insured Person is discharged or the treatment is completed or (ii) 30 days after the termination of this Policy, whichever is the earlier. The Terms and Benefits applicable shall be those prevailing as at the day immediately preceding the date of termination of this Policy. FWD shall have the right to deduct any outstanding premium under Section 13 of this Part 2 of the Terms and Benefits from any benefit payment.
For the avoidance of doubt, where this Policy includes other additional benefits beyond those under the Terms and Benefits of this Plan, removal or downgrading of any such other additional benefits by FWD shall not adversely affect
(a) the Terms and Benefits of this Plan which shall continue to be in full force and effect; and
(b) the continuity of these Terms and Benefits, and shall not adversely affect FWD's compliance with the licensing requirement in order to continue to write these Terms and Benefits.
For more details, please refer to Section 15 of Part 2 of the Terms and Benefits of the Plan.
The Rider shall be automatically terminated on the earliest of the followings –
(a) where the Rider is terminated due to the failure to pay premiums of the Basic Policy, the Rider and other rider(s) that is(are) attached to the Basic Policy (if any) in full after the grace period;
(b) the termination of the Basic Policy;
(c) the day immediately following the death of the Insured Person;
(d) FWD has ceased to have the requisite authorisation under the Insurance Ordinance to write or continue to write the Basic Policy and/or the Rider; or
(e) when the Rider is converted to a new designated medical insurance plan in accordance with Part 6(B) of the Terms and Benefits of the Rider.
If the Rider is terminated pursuant to this Section 15 of the Terms and Benefits of the Rider, the termination shall be effective at 00:00 hours of the effective date of termination.
Immediately following the termination of the Rider, insurance coverage under the Rider shall cease to be in force. No premium paid for the current Policy Year and previous Policy Years shall be refunded, unless specified otherwise. Where the Rider is terminated pursuant to (a), the effective date of termination shall be the date that the unpaid premium is first due.
Where the Rider is terminated pursuant to (c) to (d), FWD shall refund the relevant premium paid for the current Policy Year on a pro rata basis.
This Rider shall also be terminated if the Policy Owner decides to cancel this Rider or not to renew this Rider in accordance with Section 3 of this Part 2 or Section 1 of Part 4, as the case may be, or cancel the Basic Policy, by giving the requisite written notice to the Company. If this Rider is terminated under Section 3 of this Part 2 or due to cancellation of Basic Policy, the effective date of termination shall be the date as stated in the cancellation notice given by the Policy Owner. However, such date shall not be within or earlier than the notice period as required by Section 3 of this Part 2 for the cancellation. If this Rider is not renewed under Section 1 of Part 4, the effective date of termination shall be the renewal date immediately following the expiry of the Policy Year during which this Rider remains valid.
If this Rider is terminated under (a) or (d) of this Section 15, in the case where the Insured Person is being Confined for a Disability suffered before such termination, then, with respect to the Confinement in relation to the same Disability, benefits shall continue to be covered under this Rider until (i) the Insured Person is discharged or (ii) thirty (30) days after the termination of this Rider, whichever is the earlier. The Terms and Benefits of One&All Medical Insurance Rider applicable shall be those prevailing as at the day immediately preceding the date of termination of this Rider. The Company shall have the right to deduct any outstanding premium under Section 13 of this Part 2 from any benefit payment.
For more details, please refer to Section 15 of Part 2 of the Terms and Benefits of the Rider.

Under the Terms and Benefits of the Plan, FWD shall not pay any benefits in relation to or arising from the following expenses.

1. Expenses incurred for treatments, procedures, medications, tests or services which are not Medically Necessary.
2. Expenses incurred for the whole or part of the Confinement solely for the purpose of diagnostic procedures or allied health services, including but not limited to physiotherapy, occupational therapy and speech therapy, unless such procedure or service is recommended by a Registered Medical Practitioner for Medically Necessary investigation or treatment of a Disability which cannot be effectively performed in a setting for providing Medical Services to a Day Patient.
3. Expenses arising from Human Immunodeficiency Virus (“HIV”) and its related Disability, which is contracted or occurs before the Policy Date. Irrespective of whether it is known or unknown to the Policy Owner or the Insured Person at the time of submission of Application or reinstatement request document, including any updates of and changes to such requisite information (if so requested by FWD under Section 6 of Part 1 of the Terms and Benefits) such Disability shall be generally excluded from any coverage of the Terms and Benefits if it exists before the Policy Date. If evidence of proof as to the time at which such Disability is first contracted or occurs is not available, manifestation of such Disability within the first 5 years after the Policy Date shall be presumed to be contracted or occur before the Policy Date, while manifestation after such 5 years shall be presumed to be contracted or occur after the Policy Date. However, the exclusion under this Section 3 of the Terms and Benefits shall not apply where HIV and its related Disability is caused by sexual assault, medical assistance, organ transplant, blood transfusions or blood donation, or infection at birth, and in such cases the other terms of these Terms and Benefits shall apply.
4. Expenses incurred for Medical Services as a result of Disability arising from or consequential upon the dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents, self-inflicted injuries or attempted suicide, illegal activity, or venereal and sexually transmitted disease or its sequelae (except for HIV and its related Disability, where Section 3 of this Part 7 of the Terms and Benefits applies).
5. Any charges in respect of services for:
   (a) beautification or cosmetic purposes, unless necessitated by Injury caused by an Accident and the Insured Person receives the Medical Services within 90 days of the Accident; or
   (b) correcting visual acuity or refractive errors that can be corrected by fitting of spectacles or contact lens, including but not limited to eye refractive therapy, LASIK and any related tests, procedures and services.
6. Expenses incurred for prophylactic treatment or preventive care, including but not limited to general check-ups, routine tests, screening procedures for asymptomatic conditions, screening or surveillance procedures based on the health history of the Insured Person and/or his family members, Hair Mineral Analysis (HMA), immunisation or health supplements. For the avoidance of doubt, this Section 6 of the Terms and Benefits does not apply to:
   (a) treatments, monitoring, investigation or procedures with the purpose of avoiding complications arising from any other Medical Services provided;
   (b) removal of pre-malignant conditions; and
   (c) treatment for prevention of recurrence or complication of a previous Disability.
7. Except as otherwise provided in Section 3 of Part 1 of the Supplement – Other benefits, expenses incurred for dental treatment and oral and maxillofacial procedures performed by a dentist except for Emergency Treatment and surgery during Confinement arising from an Accident. Follow-up dental treatment or oral surgery after discharge from Hospital shall not be covered.
8. Except as otherwise provided in Section 8 of Part 1 of the Supplement – Enhanced benefits (applicable to the benefit level of Connect only), Expenses incurred for Medical Services and counselling services relating to maternity conditions and its complications, including but not limited to diagnostic tests for pregnancy or resulting childbirth, abortion or miscarriage; birth control or reversal of birth control; sterilisation or sex reassignment of either sex; infertility including in-vitro fertilisation or any other artificial method of inducing pregnancy; or sexual dysfunction including but not limited to impotence, erectile dysfunction or pre-mature ejaculation, regardless of cause.
9. Expenses incurred for the purchase of durable medical equipment or appliances including but not limited to wheelchairs, beds and furniture, airway pressure machines and masks, portable oxygen and oxygen therapy devices, dialysis machines, exercise equipment, spectacles, hearing aids, special braces, walking aids, over-the-counter drugs, air purifiers or conditioners and heat appliances for home use. For the avoidance of doubt, this exclusion shall not apply to rental of medical equipment or appliances during Confinement or on the day of the Day Case Procedure.
10. Except as otherwise provided in Section 7 of the Supplement - Enhanced benefits, expenses incurred for traditional Chinese medicine treatment, including but not limited to herbal treatment, bone-setting, acupuncture, acupressure and tui na, and other forms of alternative treatment including but not limited to hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy and other similar treatments.
11. Expenses incurred for experimental or unproven medical technology or procedure in accordance with the common standard, or not approved by the recognised authority, in the locality where the treatment, procedure, test or service is received.
12. Eligible Expenses which have been reimbursed under any law, or medical program or insurance policy provided by any government, company or other third party.
13. Expenses incurred for treatment for Disability arising from war (declared or undeclared), civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection, or military or usurped power.

Suicide
If the Insured Person commits suicide (whether sane or insane at that time) within 13 calendar months from the Policy Date, FWD’s liability under the Plan 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 Plan.

The above list is not exhaustive and is for reference only. Please refer to the policy provision of the Plan for the complete exclusions including but not limited to exclusions for accidental death benefit and Emergency outpatient dental treatment.

Your Right under Cooling off Period
If you are not fully satisfied with this policy, you have the right to change your mind. FWD trust that this Policy will satisfy your 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 levy paid by you without interest by giving us 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 our Service Hotline on 3123 3123; (2) visit our FWD Insurance Solutions Centres; (3) email to cs.hk@fwd.com and We will be happy to explain your cancellation rights further.

Cancellation Right
After the cooling-off period, you can request cancellation of this policy by giving 30 days prior written notice to FWD, provided that there has been no benefit payment under this policy during the relevant Policy Year.

Other insurance coverage
If you have taken out other insurance coverage besides the Plan, you shall have the right to claim under any such other insurance coverage or the Plan. However, if you or the Insured Person has already recovered all or part of the expenses from any such other insurance coverage, FWD shall only be liable for such amount of Eligible Expense, if any, which is not compensated by any such other insurance coverage.

Limitation on non-Hong Kong identity card holders and “Non-eligible Persons” as defined by the Hospital Authority
If the benefit level is Access and Beyond, if the Insured Person is not a Hong Kong identity card holder and/or is not classified as an “Eligible Person” under the Hospital Authority’s definition of “Public Charges”, as published on the Hospital Authority’s official website, and receives a Medical Service and Eligible Expenses and/or other expenses are charged by a Hong Kong Public Hospital, no benefit shall be payable under Sections 3(a) to 3(j), 3(l) to 3(n) of Part 6 of the Terms and Benefits, under Sections 1 to 7 (if applicable) of Part 1 of the Supplement – Enhanced benefits and Sections 3, 5 to 6 (if applicable) of Part 1 of the Supplement – Other benefits. If the benefit level is Connect, if the Insured Person is not a Hong Kong identity card holder and/or is not classified as an “Eligible Person” under the Hospital Authority’s definition of “Public Charges”, as published on the Hospital Authority’s official website and receives a Medical Service and Eligible Expenses and/or other expenses are charged by a Hong Kong Public Hospital, 30% Coinsurance will be applied to the benefits payable under Sections 3(a), 3(b), 3(d) to 3(j), 3(l) to 3(n) of Part 6 of the Terms and Benefits, Sections 1 to 2, 4 to 8 of Part 1 of the Supplement – Enhanced benefits and Section 3 of Part 1 of the Supplement – Other benefits.

Notice to Claim
Medical claims
All claims incurred shall be submitted to FWD within 90 days after the date on which the Insured Person is discharged from the Hospital, or the date on which the relevant Medical Service is performed and completed. For this purpose,
(a) all original receipts and/or original itemised bills together with the diagnosis, type of treatment, procedure, test or service provided shall have been submitted to FWD; and
(b) all relevant information, certificates, reports, evidence, referral letter and other data or materials as reasonably required by FWD shall have been furnished to FWD for processing of such claim.
You shall notify FWD if claims cannot be submitted within the above timeframe, otherwise FWD shall have the right to reject claims submitted after the above timeframe. All certificates, information and evidence that are reasonably required by FWD and which can be reasonably provided by you shall be furnished at the expenses of you.

Death / accidental death claims
Death/accidental death benefit is payable to beneficiary upon Insured Person’s death if the claimant submits the completed Death Claim Form, the Death Claim - Attending Physician's Report completed by the last attending doctor (only applicable for death occurred within the first 3 Policy Years), due proof of the death and any other documents as reasonably required by FWD (including all relevant certificates, reports, evidence and other data or materials). All such documents which can be reasonably provided by you shall be furnished at the expenses of you.

Declaration relating to the Foreign Account Tax Compliance Act and Automatic Exchange of Financial Account Information
FWD is obliged to comply with the following 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 financial account 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, our 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 various 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.

Credit Risk
This Option attached to the Basic Policy is issued by FWD. The application of this Option and all benefits payable under this Option 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 Option with the 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 currency of the Option, please note that any exchange rate fluctuation between your home currency and the currency of the Option will have a direct impact on the amount of premium required and the value of benefit(s) to be received. For instance, if the currency of the Option depreciates substantially against your home currency, there is a negative impact on the benefits you receive from this Option. If the currency of the Option 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 this Option 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 of this Option is non-guaranteed and will be determined annually based on the Age of the Covered Parent at the time of Renewal. The premium of this Option may increase significantly due to factors including but not limited to Age of the Covered Parent, medical inflation, and claims experience and policy persistency in the same portfolio.

Premium Term and Non-Payment of Premium
The premium payment term of this Option is up to the Age of 81 years of the Covered Parent or the termination of Basic Policy (whichever is earlier). FWD allows a grace period of 30 days after the premium due date for payment of each premium. This Option shall continue to be in effect during the grace period but no benefits shall be payable unless the premium of the Basic Policy, this Option and other rider(s) that is(are) attached to the Basic Policy (if any) are paid in full. If the premiums are still unpaid at the expiration of the grace period, the Basic Policy, this Option and other rider(s) that is(are) attached to the Basic Policy (if any) shall be terminated from the date the first unpaid premium was due. Please note that once the Basic Policy, this Option and other rider(s) that is(are) attached to the Basic Policy (if any) are terminated on this basis, you will lose all of your benefits.

Termination Conditions
This Option shall be automatically terminated in its entirety on the earliest of the followings:
(a) Where the Family Booster for Parent Option is terminated due to the failure to pay premiums of the Basic Policy, this Family Booster for Parent Option and other rider(s) that is(are) attached to the Basic Policy (if any) in full after the grace period;
(b) the termination of the Basic Policy;
(c) the day on which the Covered Parent has reached the Age of eighty-one (81) years;
(d) the day immediately following the death of the Covered Parent; or
(e) the Company has ceased to have the requisite authorisation under the Insurance Ordinance to write or continue to write the Basic Policy and/or this Family Booster for Parent Option.
If this Family Booster for Parent Option is terminated pursuant to this Section 15, the termination shall be effective at 00:00 hours of the effective date of termination.
Immediately following the termination of this Family Booster for Parent Option, insurance coverage under this Family Booster for Parent Option shall cease to be in force. No premium paid for the current Policy Year and previous Policy Years shall be refunded, unless specified otherwise. Where this Family Booster for Parent Option is terminated pursuant to (a), the effective date of termination shall be the date that the unpaid premium is first due.
Where this Family Booster for Parent Option is terminated pursuant to (e), the Company shall refund the relevant premium paid for the current Policy Year on a pro rata basis.
This Family Booster for Parent Option shall also be terminated if the Policy Owner decides to cancel this Family Booster for Parent Option or not to renew this Family Booster for Parent Option in accordance with Section 3 of this Part 2 or Section 1 of Part 4, as the case may be, or cancel the Basic Policy, by giving the requisite written notice to the Company. If this Family Booster for Parent Option is terminated under Section 3 of this Part 2 or due to cancellation of Basic Policy, the effective date of termination shall be the date as stated in the cancellation notice given by the Policy Owner. However, such date shall not be within or earlier than the notice period as required by Section 3 of this Part 2 for the cancellation. If this Family Booster for Parent Option is not renewed under Section 1 of Part 4, the effective date of termination shall be the Renewal Date immediately following the expiry of the Policy Year during which this Family Booster for Parent Option remains valid.
If this Family Booster for Parent Option is terminated under (a) or (e) of this Section 15, in the case where the Covered Parent is being Confined or is undergoing Prescribed Non-surgical Cancer Treatment for a Disability suffered before such termination, then, with respect to the Confinement or treatment in relation to the same Disability, Eligible Expenses incurred shall continue to be covered under this Family Booster for Parent Option until (i) the Covered Parent is discharged or the treatment is completed or (ii) thirty (30) days after the termination of this Family Booster for Parent Option, whichever is the earlier. The Terms and Benefits of Family Booster for Parent Option applicable shall be those prevailing as at the day immediately preceding the date of termination of this Family Booster for Parent Option. The Company shall have the right to deduct any outstanding premium under Section 13 of this Part 2 from any benefit payment.
For more details, please refer to Section 15 of Part 2 of the Terms and Conditions of Family Booster for Parent Option attached to the policy provisions of the Basic Policy.

FWD shall not pay any benefits under Section 3 of Part 6(A) of the Terms and Conditions of Family Booster for Parent Option attached to the policy provisions of the Basic Policy in relation to or arising from the following expenses.

1. Expenses incurred for treatments, procedures, medications, tests or services which are not Medically Necessary, unless otherwise specified.
2. Expenses incurred for the whole or part of the Confinement solely for the purpose of diagnostic procedures or allied health services, including but not limited to physiotherapy, occupational therapy and speech therapy, unless such procedure or service is recommended by a Registered Medical Practitioner for Medically Necessary investigation or treatment of a Disability which cannot be effectively performed in a setting for providing Medical Services to a Day Patient.
3. Expenses arising from Human Immunodeficiency Virus (“HIV”) and its related Disability, which is contracted or occurs before the Policy Date. Irrespective of whether it is known or unknown to the Policy Owner or the Covered Parent at the time of submission of Application or reinstatement request document, including any updates of and changes to such requisite information (if so requested by FWD under Section 6 of Part 1) such Disability shall be generally excluded from any coverage of these Terms and Benefits if it exists before the Policy Date. If evidence of proof as to the time at which such Disability is first contracted or occurs is not available, manifestation of such Disability within the first five (5) years after the Policy Date shall be presumed to be contracted or occur before the Policy Date, while manifestation after such five (5) years shall be presumed to be contracted or occur after the Policy Date.
   However, the exclusion under this entire Section 3 shall not apply where HIV and its related Disability is caused by sexual assault, medical assistance, organ transplant, blood transfusions or blood donation, or infection at birth, and in such cases the other terms of the Terms and Benefits of Family Booster for Parent Option shall apply.
4. Expenses incurred for Medical Services as a result of Disability arising from or consequential upon the dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents, self-inflicted injuries or attempted suicide, illegal activity, or venereal and sexually transmitted disease or its sequelae (except for HIV and its related Disability, where Section 3 of this Part 7 applies).
5. Any charges in respect of services for –
   (a) beautification or cosmetic purposes, unless necessitated by Injury caused by an Accident and the Covered Parent receives the Medical Services within ninety (90) days of the Accident; or
   (b) correcting visual acuity or refractive errors that can be corrected by fitting of spectacles or contact lens, including but not limited to eye refractive therapy, LASIK and any related tests, procedures and services.
6. Expenses incurred for prophylactic treatment or preventive care, including but not limited to general check-ups, routine tests, screening procedures for asymptomatic conditions, screening or surveillance procedures based on the health history of the Covered Parent and/or his family members, Hair Mineral Analysis (HMA), immunisation or health supplements. For the avoidance of doubt, this Section 6 does not apply to –
   (a) treatments, monitoring, investigation or procedures with the purpose of avoiding complications arising from any otherMedical Services provided;
   (b) removal of pre-malignant conditions; and
   (c) treatment for prevention of recurrence or complication of a previous Disability.
7. Except as otherwise provided in Section 3(s) of Part 6(A), expenses incurred for dental treatment and oral and maxillofacial procedures performed by a dentist except for Emergency Treatment and surgery during Confinement arising from an Accident. Follow-up dental treatment or oral surgery after discharge from Hospital shall not be covered.
8. Expenses incurred for Medical Services and counselling services relating to maternity conditions and its complications, including but not limited to diagnostic tests for pregnancy or resulting childbirth, abortion or miscarriage; birth control or reversal of birth control; sterilisation or sex reassignment of either sex; infertility including in-vitro fertilisation or any other artificial method of inducing pregnancy; or sexual dysfunction including but not limited to impotence, erectile dysfunction or pre-mature ejaculation, regardless of cause.
9. Expenses incurred for the purchase of durable medical equipment or appliances including but not limited to wheelchairs, beds and furniture, airway pressure machines and masks, portable oxygen and oxygen therapy devices, dialysis machines, exercise equipment, spectacles, hearing aids, special braces, walking aids, over-the-counter drugs, air purifiers or conditioners and heat appliances for home use. For the avoidance of doubt, this exclusion shall not apply to rental of medical equipment or appliances during Confinement or on the day of the Day Case Procedure.
10. Except as otherwise provided in Section 3(r) of Part 6(A), expenses incurred for traditional Chinese medicine treatment, including but not limited to herbal treatment, bone-setting, acupuncture, acupressure and tui na, and other forms of alternative treatment including but not limited to hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy and other similar treatments.
11. Expenses incurred for experimental or unproven medical technology or procedure in accordance with the common standard, or not approved by the recognised authority, in the locality where the treatment, procedure, test or service is received.
12. Expenses incurred for Medical Services provided as a result of a Disability where the First Symptoms appear, the condition occurs and the diagnosis or surgery relating to that Disability happens within or prior to the Waiting Period of Family Booster for Parent as stated in Part 6(C). For the avoidance of doubt, this exclusion shall not apply to expenses incurred for Medical Services provided as a result of a Disability caused by Accident and having been diagnosed or treated within such Waiting Period of Family Booster for Parent.
13. Eligible Expenses which have been reimbursed under any law, or medical program or insurance policy provided by any government, company or other third party.
14. Expenses incurred for treatment for Disability arising from war (declared or undeclared), civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection, or military or usurped power.

The above list is not exhaustive and is for reference only. Please refer to the Terms and Conditions of Family Booster for Parent Option attached to the policy provisions of the Basic Policy for the complete exclusions.

Cancellation within cooling-off period of Basic Policy
Cancellation with refund of solely the premium paid for the Option is not allowed even within the cooling-off period of Basic Policy. You may exercise the right of cancellation of the Basic Policy, where the Option attached is cancelled at the same time, with full refund of paid premium and insurance levy without interest (including the premium and insurance levy paid for the Option) during the cooling-off period of Basic Policy, subject to the terms and conditions as set out in section 2 of part 2 of the terms and benefits of the policy provisions of the Basic Policy. Should you have any further queries, you may (1) call FWD 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
You can request cancellation of this Option by giving thirty (30) days prior written notice to FWD and the cancellation right under this section shall apply while this Option is in effect, provided that there has been no benefit payment under this Option during the relevant Policy Year.

Other insurance coverage
If you have taken out other insurance coverage besides this Option for the Covered Parent, you shall have the right to claim under any such other insurance coverage or this Option. However, if you or your Covered Parent has/have already recovered all or part of the expenses from any such other insurance coverage, FWD shall only be liable for such amount of Eligible Expense, if any, which is not compensated by any such other insurance coverage.

Notice to Claim
Medical claims
All claims incurred shall be submitted to FWD within ninety (90) days after the date on which the Covered Parent is discharged from the Hospital, or the date on which the relevant Medical Service is performed and completed. For this purpose,
(a) all original receipts and/or original itemised bills together with the diagnosis, type of treatment, procedure, test or service provided shall have been submitted to FWD; and
(b) all relevant information, certificates, reports, evidence, referral letter and other data or materials as reasonably required by FWD shall have been furnished to FWD for processing of such claim.
You shall notify FWD if claims cannot be submitted within the above timeframe, otherwise FWD shall have the right to reject claims submitted after the above timeframe. All certificates, information and evidence that are reasonably required by FWD and which can be reasonably provided by you shall be furnished at the expenses of you.

Declaration relating to the Foreign Account Tax Compliance Act and Automatic Exchange of Financial Account Information
FWD is obliged to comply with the following 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 financial account 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, our 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 various 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.