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The plan provides a full cover² on medical expense incurred for a series of hospitalisation and surgery in Standard Private Room, with Annual Benefit Limit and additional Annual Benefit Limit on medical expense incurred within Greater China³ (if applicable), and without Lifetime Benefit Limit. The Plan also provides flexible choices of geographical coverage for non-Emergency Treatment such as Asia⁴ (for Standard and Standard Plus benefit levels), Worldwide excluding the United States of America (“USA”) (for Superior benefit level) and Worldwide (for Premier benefit level); and without geographical limitation for Emergency Treatment.

The plan provides full cover² on a wide range of medical expenses, including Prescribed Non-surgical Cancer Treatments⁵, kidney dialysis⁶ (including the rental cost of a kidney dialysis machine for use at home) and organ or bone marrow transplantation. On top of the respective aggregate limit per Policy Year, you are entitled to an additional benefit limit for these three kinds of treatments of up to HKD1,500,000 per Policy Year (for Standard and Standard Plus benefit levels), HKD2,000,000 per Policy Year (for Superior benefit level) or HKD2,500,000 per Policy Year (for Premier benefit level), which further eases your burden throughout your treatment journey.

To enable you to receive advanced and suitable treatment, we therefore extend the coverage for cancer treatments with:

• an additional benefit limit for Prescribed Non-surgical Cancer Treatments⁵ on top of the Annual Benefit Limit;
• Phase 3 Clinical Trial Drugs benefit for Stage III and Stage IV Specified Cancers and incurable haematological malignancy⁶ covering treatment with Phase 3 Clinical Trial Drug up to a designated benefit limit; and
• First in VHIS market⁷: FWD x HKSH Medical Group (“HKSH”) — Cross-border Cancer Management Program^8,9.

• Cash benefit for Day Case Procedure (First-in-VHIS-market⁷: Cash benefit will be doubled up if the Insured Person receives designated Day Case Procedures at a Designated Healthcare Services Provider¹⁰ or a Day Case Procedure at a Hospital as stated in the designated Hospital list in mainland China)
• First-in-VHIS-market⁷ : Cash benefit for major and complex surgeries. You need to undergo a surgical procedure which is categorized as major or complex according to the Schedule of Surgical Procedures or as reasonably determined by us if the surgical procedure is not included in the Schedule of Surgical Procedures; or
• First-in-VHIS-market⁷: Cash benefit for Confinement in Intensive Care Unit in Hong Kong: You have been confined in Intensive Care Unit for at least 3 consecutive days in Hong Kong.

• Reimburse for a list of home facility enhancement⁶ prescribed by occupational therapists
• Stroke ancillary benefit⁶ covers charges on consultations and treatments prescribed by Specialists and Chinese medicine practitioners
• Provides the Disability subsidy benefit of HKD12,000 per month and up to 24 months per Incident per month.

The Plan provides 6 Deductible¹ options (HKD 0/ HKD 25,000/ HKD 40,000/ HKD 80,000/ HKD 120,000/ HKD 250,000) and 3 different geographical areas for you to choose, that allow the flexibility of the Deductible¹ for medical treatment and geographical coverage. In addition. When your policy has been in-force for at least 2 consecutive years, you will be entitled to the right to reduce or remove your Deductible¹ once per lifetime, or enjoy our first-in-VHIS-market⁷ feature, exercising the one-off right to upgrade your benefit level⁸ once per life when you reach the Age of 50, 55, 60, 65, 70, 75 or 80 (attained age) without providing further proof of your health condition.

If you are ever diagnosed with a designated crisis¹¹, the Deductible¹ (if any) will be waived^1,6,11.

If you haven’t made any claim for 2 or more consecutive policy years before renewal¹², the Plan will offer you no claims premium discount¹³ on your next renewal¹² premium. Besides, any benefits paid under relevant benefits items for any designated Day Case Procedure(s) performed at any Designated Healthcare Services Providers¹⁰, which are performed on the Insured Person during the no claims period, shall not affect the eligibility for no claims premium discount¹³. You may enjoy individual and extra no claims premium discount¹³ of up to 25% by getting insured with your family.

If your Policy has been in force for 2 consecutive Policy Years, your baby will be born into the protection of a designated medical plan, effective for two years without further evidence of insurability and at no additional charge^8,14.  This benefit applies to each newborn once only, but there is no limit to the number of eligible newborns.

One stop health solution⁸

• PREMIER THE ONEcierge for exclusive healthcare solutions with cashless facility tailor-made to suit your needs;
• Second Medical Opinions provided by some of the highest-ranked US medical institutions;
• International SOS 24-hour Worldwide Assistance Service ensuring that help is always just a call away;
• MINDcierge offering a referral service program for any mental health issue and child development;

Mainland China-focused services⁸

• International VIP Access accelerating your access to medical services by offering priority booking service at over 300 Grade 3A hospitals in mainland China;
• Exclusive medical companion services for the designated hospitals with International VIP Access in mainland China to assist you in hospital admission registration;
• Cashless facility for hospitalization at all Grade 3A hospitals in mainland China;
• Mainland China Emotional Counselling Service supporting your emotional wellness with 6 free counselling consultations annually in mainland China either through phone call or face to face;
• Elderly Care Services provided to you upon diagnosis of designated 68 major crises in mainland China;

Elderly supporting services⁸

• Dementia Support Program offering a designated support program to the Insured Person or a referral service for a designated support program to the parents of Insured Person upon the Insured Person’s or the parents of Insured Person's First Confirmed Diagnosis of Alzheimer’s Disease; and
• Holistic Elderly Home Care Services⁸ provided to you upon First Confirmed Diagnosis of Alzheimer’s Disease or Parkinson’s Disease after designated age.

Prevention is always better than cure, to encourage you to have a stay healthy, the Plan offers you the wellness joy benefit¹⁵ for reimbursing the expenses on wellness activity(ies) including travel, fitness / wellness course, health check-up, child development assessment or training therapy.

• Guaranteed renewable¹² up to age 100 (attained age)
• Any illness, Disease or Congenital Condition that was an unknown Pre-existing Condition at the time of Application will be fully covered by the Plan starting from the 31st day of the first Policy Year.
• You may be eligible for tax deduction of up to HKD8,000¹⁶ per Insured Person per year of assessment for premium you paid.

Do you know what factors FWD considers when handling medical claims?
Click this link to find out more about claims tips.