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From education, career, dreams, family, traveling, pet care, retirement, and more, every aspect of life requires proper care.

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FWD Online Lucky Draw | Apply for online insurance to get a chance to win!

(Campaign has ended) You are entitled to the FWD Online Lucky Draw campaign automatically upon applying an insurance policy through FWD Online Insurance Platform!

<p>FWD Online Lucky Draw has ended. The lucky draw result will be published on the Campaign website, Sing Tao Daily, and The Standard on 7 April 2025. Winners will be notified via registered email address on the same day. </p><h2>Get a comprehensive protection and earn a chance to win!</h2><p>From now on, you are entitled to the FWD Online Lucky Draw campaign automatically upon applying an insurance policy through <a href="https://www.fwd.com.hk/online-insurance/en/" target="_blank">FWD Online Insurance Platform</a>!</p><p>Stand a chance to win the latest smartphone, Osaka round-trip flight tickets for 2, and many more fabulous gifts, with a total of 888 prizes available!</p><p>No limit in the chance of draws! The more insurance policies you apply for, the more draw chances you can have!</p><h3><u><strong>Promotion Period</strong></u>&nbsp;</h3><p>6 January 2025 (00:00) to 12 March 2025 (23:59)&nbsp;</p><h3><u><strong>How to join&nbsp;</strong></u>&nbsp;</h3><p>During the promotion period, apply <u><strong>designated insurance policies</strong></u> through <a href="https://www.fwd.com.hk/online-insurance/en/" target="_blank"><strong>FWD Online Insurance Platform</strong></a><strong> </strong>to be entitled into the FWD Online Lucky Draw!&nbsp;</p><p></p><table><thead><tr><th>Designated Insurance Policies</th></tr></thead><tbody><tr><td><ul><li><a href="https://www.fwd.com.hk/online-insurance/term-life/en/" target="_blank">MyTerm Plus Term Life Insurance Plan</a></li><li><a href="https://www.fwd.com.hk/online-insurance/term-critical-illness/en/" target="_blank">MyCover Critical Illness Plan</a></li><li><a href="https://www.fwd.com.hk/online-insurance/vhis-vprime-medical-plan/en/" target="_blank">vPrime Medical Plan</a></li><li><a href="https://www.fwd.com.hk/online-insurance/vhis-vcare-medical-plan/en/" target="_blank">vCare Medical Plan</a></li><li><a href="https://www.fwd.com.hk/online-insurance/mymillion-medical/en/" target="_blank">MyMillion Medical Plan</a></li><li><a href="https://www.fwd.com.hk/online-insurance/cancer-cansurance/en/" target="_blank">CANsurance Cancer Protection Plan</a></li><li><a href="https://www.fwd.com.hk/online-insurance/mysafe-accident-protection-plan/en/" target="_blank">MySafe Accident Protection Plan</a></li><li><a href="https://www.fwd.com.hk/online-insurance/easy-wealthplus-endowment-plan-2/en/" target="_blank">Easy WealthPlus Endowment Plan 2</a></li><li><a href="https://www.fwd.com.hk/online-insurance/healthy-plus/en/" target="_blank">Healthy Plus Refundable Hospital Income Plan</a></li><li><a href="https://www.fwd.com.hk/online-insurance/mytravel-insurance/en/" target="_blank">MyTravel Insurance (Single Trip / Annual)</a></li></ul></td></tr></tbody></table><h3>🧡1 draw chance for each insurance policy application</h3><h3>🧡1 extra draw chance for existing life customers of FWD Online Insurance Platform upon application</h3><h3>🧡1 extra draw chance for the following insurance products:</h3><p></p><a href="https://www.fwd.com.hk/online-insurance/online-promotions/en/" target="_blank"><img alt="FWD_Lucky_draw_campaign_page_en_product.jpg" src="https://images.contentstack.io/v3/assets/blt563fac53dd3a847c/bltab4a33b62b6e101b/6777ad62933567b621414f3d/FWD_Lucky_draw_campaign_page_en_product.jpg" height="auto"/></a><h2>Prize List</h2><img src="https://images.contentstack.io/v3/assets/blt563fac53dd3a847c/bltd587228dfe3d5e3c/6777ad9ba167d05b29da31cc/FWD_Lucky_draw_campaign_page_en_part2-0103.jpg" alt="FWD_Lucky_draw_campaign_page_en_part2-0103.jpg" height="auto"/><h2>Want more lucky draw chances? Take a look at the example below:</h2><h3>No limit in the chance of draws!</h3><p>The more insurance policies you apply for, the more draw chances you can have!</p><p></p><img src="https://images.contentstack.io/v3/assets/blt563fac53dd3a847c/bltb69de12c79717a01/677b37938f5c6e6e2aaf60e6/Image.jpg" alt="Image.jpg" height="auto"/>

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FWD Be True

What’s more, we are going to seek truth from facts, demonstrating our dedication to insurance excellence through our genuinely designed products, heartfelt services and authentic data.

<h2>FWD Be True</h2><p>Expressing true thoughts and feelings is impactful. We connect, resonate and get inspired through candid conversations.</p><p>At FWD, we embrace the spirit of speaking one’s mind. We listen to what people really think and share their thoughts just as they are – nothing more, nothing less. Be you, be true and be frank with us.</p><p>What’s more, we are going to seek truth from facts, demonstrating our dedication to insurance excellence through our genuinely designed products, heartfelt services and authentic data.</p>

<h2>Ivan, the ultimate people-pleaser, says, “I’m your dedicated organising guru at your service.”</h2><p></p><p>Say goodbye to Ivan and enjoy the ultimate convenience with <a href="https://www.fwd.com.hk/en/fwd-eservices/?utm_source=blog&utm_medium=blog-cta&utm_campaign=10life&utm_content=fwd-be-true" target="_self">FWD eServices</a><sup>9</sup>. It’s your all-in-one platform to manage insurance policies, file claims, find doctors, and more.</p>

<h2>Sharon, a company veteran, says "Is there anything you've been passionately pursuing for 10 years?”</h2><p></p><p>FWD has been firmly rooted in Hong Kong for over 10 years! Since we started out in this dynamic city in 1977, we’ve been changing the way people feel about insurance through our customer-led approach and digitally-enabled experiences.</p><ul><li>No. 1 by percentage growth of life insurance intermediaries’ headcount in Hong Kong.<sup>1</sup></li><li>New business sales from local customers soared by nearly 20% YoY,<sup>2</sup> outperforming the industry.</li></ul>

<h2>Mrs. Chan, a frequent market shopper, says, “Fingers crossed that I’d never have to file a claim!“</h2><p></p><p>Mr. Chan from FWD’s claims department: “But with FWD, if you ever have to, you can file claims, get approval and receive prompt payment in as fast as 37 seconds!"<sup>3</sup> </p>

<h2>Zoey, a fashion and beauty enthusiast, says, “It’s impossible to get concert tickets!”</h2><p></p><p>Over 910,000 people enjoyed 26 concerts and events through <a href="https://fwdmax.fwd.com.hk/?utm_source=blog&utm_medium=blog-cta&utm_campaign=10life&utm_content=fwd-be-true#/" target="_self">FWD MAX</a> last year. Can't get a ticket this time? We’ve got you covered for the next shows – register for a free membership now to get a HK$50 supermarket voucher, 250 MAX points<sup>4</sup> and a chance to enter lucky draws for show tickets!</p>

<h2>Katie, a busy office worker, says, “Everything is urgent! Do you think things can be done with just a click?”</h2><p></p><p>FWD makes the insurance journey easy! From medical, life, home to travel, <a href="https://www.fwd.com.hk/online-insurance/en/" target="_self">FWD online insurance platform</a> covers it all with expert support. Take some time to think about the protection you need with FWD. Get insurance protection in just one click!</p><p></p><p>Apply online with the promo code "BeTrue" for up to 70% off your first-year premium!<sup>5</sup></p>

<h2>Michelle, a hopeless romantic, says, "I want no gap in our relationship!"</h2><p><a href="https://www.fwd.com.hk/en/vhis/vprimesignature/?utm_source=blog&utm_medium=blog-cta&utm_campaign=10life&utm_content=fwd-be-true" target="_self">FWD’s vPrime Signature Medical Plan</a> bridges the gap in your health protection coverage and extends strong support, offering:</p><ul><li>Up to HK$16 million in Annual Benefit Limit<sup>6</sup></li><li>6 flexible Deductible options<sup>7</sup></li><li>Waived Deductibles for designated crises<sup>8</sup></li></ul><p></p><p>VHIS provider registration number: 00036; vPrime Signature Medical Plan VHIS Plan Certification Number: F00070; vPrime Signature Medical Plan is a Flexi Plan certified by the Government under the Voluntary Health Insurance Scheme (“VHIS”) and is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability). The above product information does not include the complete terms and conditions of the policy and is subject to the terms and conditions of the relevant plan. For details on the specific features, benefits and complete terms and conditions, exclusions and major product risks of the above life insurance product, please refer to the FWD HK website, the relevant product brochures and policy terms. Before proceeding, please confirm you understand this product’s features and that it fits your need(s). This promotion material is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell, a solicitation to buy or the provision of any insurance products of FWD Life outside Hong Kong. All selling and application procedures of the promotion must be conducted and completed in Hong Kong.</p>

<h2>Mimi, an office social butterfly, says, “We must get together for a drink sometime!”</h2><p></p><p>However, that would probably never happen. At FWD, we truly mean what we say. Our customer support team is dedicated to offer immediate solutions to customers’ questions and issues, reaching a first-contact resolution rate of 98%.<sup>10</sup></p>

<h2>Auntie Wah, a cleaner at a radio station, says, “Another “participation award”? I’m good, thanks.”</h2><p></p><p>FWD is the only insurer recognised as “10Life Health Insurer of the Year” and receives the most 5-star ratings - a total of 16 - in Hong Kong for its health protection products.<sup>11</sup> This’s definitely a prestigious accolade!</p>

<h2>David, a second-generation rich who extends his love to his sweetheart’s family, says, “Only money matters? What about love?”</h2><p></p><p>FWD goes beyond claims. From preventation, treatment to recovery, FWD Care provides physical and mental support to you and your family.</p>

<h2>Ah Keung, a binge-watcher and a music lover, says, “Of course I have family subscriptions for music and streaming services.”</h2><p></p><p>Now it’s time to think about a plan that offers protection for you and your children.</p><p>Here at FWD, one plan can benefit two generations.</p><h3><a href="https://www.fwd.com.hk/en/vhis/vfamily/?utm_source=blog&utm_medium=blog-cta&utm_campaign=10life&utm_content=fwd-be-true" target="_self">vFamily Medical Plan (VHIS)</a></h3><ul><li>Worldwide<sup>13 </sup>full coverage<sup>14</sup> for a wide range of hospitalisation and surgical expenses</li><li>Extra rewards for staying healthy and enjoying individual and famliy’s no claims premium discount available up to 30%</li></ul><h3>Family Booster for Child Option<sup>15</sup> offers optional benefits without the need of providing health evidence, a first-in-Hong Kong<sup>16</sup> initiative.</h3><ul><li>The coverage for each of your current and/or future children will remain effective until he/she reaches age 19 (attained age)</li><li><p>Includes the option to apply for a designated medical plan<sup>17</sup> for your child at specified ages</p></li></ul><p></p><p>vFamily Medical Plan is a Flexi Plan certified by the Government under the Voluntary Health Insurance Scheme (“VHIS”) and is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (VHIS provider registration number: 00036). Family Booster for Child Option is an optional benefit selected by the policyholder at the time of application and is not part of the VHIS Certified Plan – vFamily Medical Plan. Individual and extra no claims premium discounts are not applicable to the premium of Family Booster for Child Option. Any benefit amount(s) paid under the Family Booster for Child Option shall not be counted towards any benefit limit(s) as applicable under vFamily Medical Plan and shall not affect the coverage available to the Insured Person and/or the eligibility of no claims premium discount under vFamily Medical Plan. The product information above does not contain and is subject to the full terms and benefits of the policy. For the policy benefits, coverage benefits, full terms, exclusions and key product risks of the above life insurance plans, please visit our corporate website or refer to the relevant product brochures and the policy provisions. Before proceeding, please confirm you understand this product’s features and that it fits your need(s). This advertising material is intended to be distributed in the Hong Kong Special Administrative Region only and shall not be construed as an offer to sell, a solicitation to buy or the provision of any insurance products of FWD outside the Hong Kong Special Administrative Region. All selling and application procedures of the product must be conducted and completed in the Hong Kong Special Administrative Region.</p>

<ol><li>Based on Pi Financial Services Intelligence report - September 2022 and September 2023. Non-bank insurers only.</li><li>Provisional Statistics on Hong Kong Long Term Insurance Business - January to September 2022 and January to September 2023, Insurance Authority of Hong Kong. The calculation combines the new business sales from local customers for individual and group businesses.</li><li> “You can receive claims approvals and get paid in just 37 seconds” refers to Instant claims service in FWD eServices. This includes FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) personal accident claims and hospitalisation claims up to HK$5,000 and HK$10,000 respectively. </li><li>The promotional code for new members is limited to a single use. Rewards are limited and available on a first-come, first-served basis. Once redeemed, the offer will cease. Participants are bound by the terms and conditions. The data provided represents the total interaction count at concerts and events sponsored or supported by FWD Life Insurance Company (Bermuda) Limited  (incorporated in Bermuda with limited liability) in 2023.</li><li>The above content is sponsored/presented by FWD Financial Limited (“FWD Financial”). FWD Online Insurance Platform (https://www.fwd.com.hk/online-insurance/) is operated by FWD Financial. FWD Financial (licence no. FA2568) is an appointed and licensed insurance agent of FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) and Bolttech Insurance (Hong Kong). This promotion material is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell, a solicitation to buy or the provision of any insurance products of FWD Life outside Hong Kong. All selling and application procedures of the promotion must be conducted and completed in Hong Kong. For the actual premium discount, please see FWD Online Insurance Platform for the offer’s terms and conditions. Before proceeding, please confirm you understand this product’s features and that it fits your need(s).</li><li>The benefit limit is up to HK$11 million (Standard Benefit Level) or HK$16 million (Superior Benefit Level) per Policy Year, and there is no lifetime benefit limit.</li><li>Deductible shall mean a fixed amount of Eligible Expenses or expenses that, in a Policy Year, the policyholder must pay before FWD shall reimburse the remaining Eligible Expenses or remaining expenses.</li><li>For the definition of the designated crises, 90-day waiting period, and other benefit details, please refer to the Supplement – First-dollar coverage – Deductible waived for designated crises of the Policy provisions.</li><li>FWD eServices is owned by FWD Financial Limited (licence no.FA2568). FWD Financial Limited is an appointed and licensed insurance agent of FWD Life Insurance Company (Bermuda) Limited and Bolttech Insurance (Hong Kong) Company Limited . It is also authorised by the Hong Kong Insurance Authority to carry out general and long-term insurance business in Hong Kong (including investment-linked long term insurance policies). To use FWD eServices, users must be our policyholders and register on our website or application. We will ensure that FWD eServices provides the latest and accurate information.</li><li>The above data represents the first-contact resolution rate of FWD’s customer support team in 2023 based on internal statistics.</li><li>10Life calculates the estimated average coverage rate and makes ratings based on the publicly available information of insurance companies. For details, please refer to the 10Life website. The Information Is only a statement made by FWD Life Insurance based on the information on the 10Life website and its understanding of it. FWD Life Insurance does not assume any responsibility for any errors or omissions. The information is as of January 15, 2024. The product series that have received a 5-star rating are the vBooster Medical Plan, vPrime Signature Medical Plan, vTheOne Medical Plan (Premier and Standard Plus), Crisis OneMaster Series, and Crisis USupporter/Crisis USupporter Pro. vBooster Medical Plan (Certification Number: F00069), vPrime Signature Medical Plan (Certification Number: F00070) and vTheOne Medical Planthe (Premier and Standard Plus) (Certification Number: F00067) are Flexi Plans under the Voluntary Health Insurance Scheme (“VHIS”) and are underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (VHIS provider registration number: 00036).</li><li>FWD Care is arranged by FWD Life Insurance (Bermuda) Company Limited (incorporated in Bermuda with limited liability) (“FWD”) and is provided by third-party service providers. FWD will not be responsible or liable for any services offered by the third-party providers under the plan. This service is not a part of the policy or benefit item under the policy provisions of FWD insurance products. This service is only available in Hong Kong Region.</li><li>Eligible Expenses incurred for psychiatric treatments, cash benefit for Confinement in Intensive Care Unit in Hong Kong and cash benefit for Confinement in Intensive Care Unit in Hong Kong due to pregnancy complications shall only be payable for Confinement in Hong Kong. Please refer to Section 3(l) of Part 6 of the Terms and Benefits and Sections 8 and 9 of the Supplement – Other benefits under the Policy provisions for details.</li><li>Full cover / Full coverage 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 / Full coverage applies to selected benefit items only. </li><li>Not only does the insured person of vFamily Medical Plan can enjoy comprehensive protection, each of the Insured Person’s current and/or future children will be entitled to the benefits and/or rights under the Family Booster for Child Option upon approval of the policyholder’s nomination for the covered child. Subject to relevant  waiting period, benefit limit (if applicable) and terms and conditions. </li><li>Per a comparison made by FWD Life on 4 March 2024 among the medical plans of key insurers available in Hong Kong.</li><li>This option is only applicable if the Family Booster for Child Option has been in force for at least 2 consecutive Policy Years from the Family Booster for Child Option Effective Date</li></ol><p></p><p>The product information above does not contain and is subject to the full terms and benefits of the policy. For the policy benefits, coverage benefits, full terms, exclusions and key product risks of the above products, please visit our corporate website or refer to the relevant product brochures and the policy provisions. This material is intended to be distributed in the Hong Kong Special Administrative Region only and shall not be construed as an offer to sell, a solicitation to buy or the provision of any insurance products of FWD outside the Hong Kong Special Administrative Region. All selling and application procedures of the product must be conducted and completed in the Hong Kong Special Administrative Region. Before proceeding, please confirm you understand this product’s features and that it fits your need(s).</p><p></p><p></p><p>The information above is provided by FWD Financial Limited (“FWD Financial”) and FWD Life Insurance Company (Bermuda) Limited (“FWD Life “), and is intended for reference and general education purpose only. FWD Financial, FWD Life, their subsiding companies or their respective directors or employees make no express or implied representations, statements or warranties as to the accuracy, completeness or suitability for any particular purpose of the information provided.In no event shall FWD Financial, FWD Life, their subsiding companies or their respective directors or employees liable in any way for any consequences resulting from the use or reliance upon this article, and shall not incur any legal liability (including third-party liability). Users should evaluate all the information contained in this article and seek independent professional advice.</p>

FWD 真心唔怕講 | FWD Be True

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How individual insurance differs from company insurance  

Which of these two products is right for you? 

<p>When people fall sick, they usually turn to their personal health insurance or company health medical insurance for financial support to pay for their treatment. In recent years, voluntary health insurance is becoming increasingly popular, why is this so? With a limited budget, what are the differences between voluntary health insurance and traditional individual health insurance? How should we choose between these two insurances?</p><h2>What is the Voluntary Health Insurance Scheme (VHIS)?</h2><p>The VHIS was launched by the Food and Health Bureau of the Hong Kong government on April 1, 2019. Insurance policies approved by the bureau must comply with the frameworks and regulations and provide hospitalisation coverage and personal medical reimbursement. its established framework and regulations. This product is meant to enhance the level of protection offered by medical insurance products, allowing citizens to choose private medical services with insurance coverage, which can eventually help to ease the pressure on public hospitals in the long term.</p><p></p><p>The VHIS is divided into two types of plans, "Standard Plan" and "Flexi Plan". The Standard Plan will need to meet the minimum requirements and provide basic coverage. While the Flexi Plan covers additional protections, such as higher limits, to provide people with more comprehensive coverage.</p><p></p><p>Compared to traditional individual medical insurance, some of the benefits in the VHIS recognized products, for both "Standard Plan" and "Flexi Plan," are particularly noteworthy.</p><p></p><p>The differences between VHIS voluntary health insurance and traditional personal health insurance are:</p><table><colgroup data-width='666'><col style="width:33.7838%"/><col style="width:31.3814%"/><col style="width:34.8348%"/></colgroup><thead><tr><th></th><th><span>VHIS voluntary health insurance</span></th><th><span>Traditional personal health insurance</span></th></tr></thead><tbody><tr><td><p>Tax deduction</p></td><td><p>Possible</p></td><td><p>Not possible</p></td></tr><tr><td><p>Policy renewal</p></td><td><p>Guaranteed renewal of up to 100 years old</p></td><td><p>Policy renewal is dependent on the insured person’s health condition</p></td></tr><tr><td><p>Lifetime benefit limit</p></td><td><ul><li>Not applicable for standard plans</li><li>Depends on individual products for flexible plans</li></ul></td><td><p>Usually applicable</p></td></tr><tr><td><p>Unknown pre-existing conditions at the time of policy application</p></td><td><p>Insured (subject to waiting period)</p></td><td><p>Usually not insured</p></td></tr></tbody></table>

<h3>1. You can apply for tax deduction for premiums:</h3><p>Applying for VHIS allows you to apply for tax deduction. This means that taxpayers who apply for VHIS before 31 March can apply for tax deduction for the premiums paid for themselves and/or their specified relatives.</p><h3>2. Guaranteed renewal until the insured is 100 years old:</h3><p>After the VHIS voluntary health insurance policy takes effect, the insurance is guaranteed to be renewed until the age of 100, regardless of any changes in the health status of the insured.</p><h3>3. The VHIS standard plan does not set a lifetime benefit limit:</h3><p>The VHIS standard plan does not set a "lifetime insurance limit” but has an "annual insurance limit". This means that no matter whether there is a claim, or if the claim exceeds the annual insurance limit in the policy year, in the next policy year the benefit limit will be recalculated and will not be affected by previous claims. On the other hand, the flexible plan depends on individual product design.</p><h3>4. Unknown pre-existing conditions at the time of policy application</h3><p>The VHIS voluntary health insurance covers pre-existing diseases that are unknown at the time of insurance application.</p><h2>Why do I need to purchase additional voluntary health insurance when I already have company health insurance?</h2><p>Many people think they do not need to purchase additional personal medical insurance for themselves as they are already covered by their company’s medical insurance. However, this is the protection gap that many have overlooked.</p><ul><li>Coverage limit:</li></ul><p>For common colds and flu, you will likely head to the clinic to see a doctor. In this case, it would be okay to be reimbursed by the company’s medical insurance. However, most companies’ medical insurance may only provide outpatient, life, and hospitalization coverage. You are unlikely to be able to claim for items such as psychiatric treatment. Furthermore, the company's medical insurance may not be able to fully cover medical expenses for surgery or diseases. Therefore, purchasing voluntary health insurance while being covered by the company’s medical insurance can help reduce the protection gap.</p><ul><li>Guarantee period:</li></ul><p>Most salary workers will experience job changes. From resignation to joining a new company, and even during the probationary period, they may not be able to enjoy their company’s group medical insurance benefits. This period when one is not covered could last for half a year each time they change jobs. Additionally, when one reaches retirement age, it is likely that the company's medical insurance will no longer provide coverage for these employees. Having personal medical insurance will help to maintain protection according to the renewal period of different products. Among these products, the voluntary medical insurance will guarantee renewal until the age of 100, so you will not lose your medical insurance coverage due to work restrictions.</p>

<p></p><ol><li>Source: Cleveland Clinic, "<em>LDL</em>"</li><li>Source: Heart.org, "<em>Silent Ischemia and Ischemic Heart Disease</em>"</li></ol><p>The above information is provided by FWD Financial Limited ("FWD Financial") for reference and educational purposes only. It does not constitute an offer to buy or sell any insurance products outside of Hong Kong. Before purchasing any insurance product, you should understand your needs and affordability, read the policy carefully, and select suitable product. FWD Financial is an appointed insurance agency of FWD Life Insurance (Bermuda) Company Limited (incorporated in Bermuda with limited liability) (“FWD Life”). FWD Financial, FWD Life, their subsiding companies or their respective directors or employees make no express or implied representations, statements or warranties as to the accuracy, completeness or suitability for any particular purpose of the information provided. In no event shall FWD Financial, FWD Life, their subsiding companies or their respective directors or employees liable in any way for any consequences resulting from the use or reliance upon this article, and shall not incur any legal liability (including third-party liability). Users should evaluate all the information contained in this article and seek independent professional advice.</p>

【自願醫保】與傳統個人醫保和公司醫保的分別？ | How individual insurance differs from company insurance

How individual insurance differs from company insurance | FWD HK

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Eczema: can new clothes trigger atopic dermatitis in children?

<p>Many children across the world suffer from Eczema. One of the more commonly known triggers of eczema is the diet of children. However, did you know that children’s clothing also poses a risk of triggering eczema?</p><p>Before diving into why children’s clothing can be a trigger of eczema, let’s first understand what eczema is, and if eczema is the same as atopic dermatitis.</p><h2>What is eczema?</h2><p>Eczema can be referred to as the skin condition that is caused by inflammation and sensitivity. Atopic dermatitis, which mainly affects children and infants, is the most common form of eczema. While the exact cause of atopic dermatitis has still not been fully determined, it is believed to be associated with an abnormal immune system function which responses to certain triggers such as irritants or allergens.</p><p>There is a large variation of symptoms of atopic dermatitis, which may include red, itchy, dry and inflamed skin. In more severe cases of eczema, one’s skin may become swollen, blistered, and may even bleed. The symptoms usually occur on the neck, hands, feet and face, but it is possible that it can appear on any part of the body.</p><p>New clothes can potentially trigger atopic dermatitis in children through various mechanisms. One-way new clothes can trigger eczema is through the use of certain dyes or fabrics that may cause allergies or skin irritation. Synthetic fabrics, specifically, may cause irritation and friction against the skin, triggering the symptoms of eczema. Additionally, during the manufacturing process of these new clothes, there may be certain dyes or chemicals used which could trigger or even worsen eczema symptoms.</p><p>To help reduce the possibility of eczema being triggered by children’s clothing, here are three tips on how you can handle children’s clothing to combat atopic dermatitis in children:</p>

<h2>1. Ensure that there are no dust mites in new clothing through thorough cleaning</h2><p>Dust mites are one of the key reasons for the triggering of an allergy. It is easy for dust mites to appear on clothing if it is not stored properly. To help eliminate dust mites, you can wash the new clothes in hot water, to be exact, water above 55 degrees Celsius before wearing them. Alternatively, if the clothes are not able to be cleaned with heat, the clothing can be placed into an airtight bag and stored in the freezer for 24 hours. This will freeze the dust mites to death. After 24 hours, take the clothes out of the freezer and wash them with cold water.</p><h2>2. Cut off clothing labels</h2><p>Most clothing labels are sewn in sensitive positions such as at the waist or neck. Many times, the labels rub against the skin of children when they run and play, resulting in allergic reactions. To prevent atopic dermatitis from being triggered by children scratching because of the labels, it is recommended for parents to cut off the labels on the clothing and cover the sewn area.</p><h2>3. Wear costumes with “innerwear”</h2><p>It is often that many parents will buy costumes or festive clothing for their children to wear. However, most of these clothes are not made of breathable cotton material, therefore, sweat stays on the surface of the skin, easily triggering atopic eczema. Thus, by wearing cotton underwear as a base layer, it can not only help to absorb sweat, but also separate the skin from irritating material, reducing friction between the skin and the clothing.</p><h2>How can atopic dermatitis be treated?</h2><p>There are many different treatment methods for atopic dermatitis. This could include the use of oral or topical medications to reduce itching and inflammation, as well as to keep the skin hydrated using moisturizers. If is also recommended to avoid triggers of atopic dermatitis which could worsen symptoms, such as certain types of soaps, fabrics, or food.</p><p>The treatment of atopic dermatitis may include the use of topical or oral medications to reduce inflammation and itching, as well as moisturizers to keep the skin hydrated. Avoiding triggers that may exacerbate the symptoms, such as certain foods, soaps, or fabrics, may also be recommended. For an accurate diagnosis and treatment plan, it is important to consult a certified healthcare professional.</p><p>Patients diagnosed with atopic dermatitis or eczema are more prone to viral skin infections such as herpes simplex virus. This is due to the presence of more open wounds on the patient’s skin. As such, this could worsen their eczema condition, resulting in more severe blisters, and in more serious cases, hospitalisation may be required. In such cases when patients need to go to hospitals for treatment, it is most likely that they may need to wait for a long time at public hospitals to get treated. By having comprehensive medical insurance, parents can afford to send their children to private hospitals so that treatment will be done more quickly. Medical insurance would help alleviate the financial burden on parents of sending their children to private hospitals.</p>

<p>The above information is provided by FWD Financial Limited ("FWD Financial") for reference and educational purposes only. It does not constitute an offer to buy or sell any insurance products outside of Hong Kong. Before purchasing any insurance product, you should understand your needs and affordability, read the policy carefully, and select suitable product. FWD Financial is an appointed insurance agency of FWD Life Insurance (Bermuda) Company Limited (incorporated in Bermuda with limited liability) (“FWD Life”). FWD Financial, FWD Life, their subsiding companies or their respective directors or employees make no express or implied representations, statements or warranties as to the accuracy, completeness or suitability for any particular purpose of the information provided. In no event shall FWD Financial, FWD Life, their subsiding companies or their respective directors or employees liable in any way for any consequences resulting from the use or reliance upon this article, and shall not incur any legal liability (including third-party liability). Users should evaluate all the information contained in this article and seek independent professional advice.</p>

【濕疹】新衫或引發兒童異位性皮膚炎？ | Can new clothes trigger eczema in children?

Can new clothes trigger eczema in children? | FWD HK

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Should you cancel or keep your critical illness policy when you immigrate?

<p>When you immigrate, you may be wondering whether or not you should keep your critical illness insurance policy. When you are away from home, you could experience feelings of insecurity more frequently. Changes in one's mental and physical state are typically brought on by travel, in conjunction with other, external environmental influences. So, having insurance coverage while you are traveling overseas might provide you with a sense of security and peace of mind. When you immigrate, what will happen to your health insurance and other plans? Should you cancel your insurance policy before making the move to a new country? If you relocate overseas, will the critical illness insurance policy that you already have continue to be valid for you? The following article will provide answers to these questions.</p><h2>Is coverage under your critical illness insurance plan provided if you travel outside the country?</h2><p>In most cases, critical illness insurance can be purchased anywhere in the world. You do not need to be concerned about being unable to file an insurance claim when traveling outside of the country if you have been diagnosed with a pre-existing condition that is covered by your policy. This applies regardless of where you purchased your policy. If your diagnosis is one that is covered by the policy and you adhere to the terms of the insurance, you will still be able to collect benefits from your critical illness insurance even if you move to another country or travel to another country.</p>

<p>If you are diagnosed with a critical illness while traveling outside of your home country by a local registered doctor, you have the right to submit an insurance claim within the claim period specified by the insurance company after receiving medical treatment or being discharged from the facility where you received treatment. You shall be responsible for submitting the appropriate proof documents in accordance with the requirements outlined in the actual policy terms. However, you should be aware that once the claims process has been finished, the insurance company may only deposit the pay out into the bank account of the nation in which you purchased the policy. This is something that you should keep in mind. It is possible that they will not be able to deposit the payoff into the policy beneficiary's account if it is located outside the country. Consequently, it is essential to verify with the original insurance company first in order to determine whether or not it is necessary to have a bank account from the original nation in order to get the compensation. In addition to this, it is essential to take into consideration whether the beneficiary has been named in the policy. If the beneficiary information has not been provided, the payout from the life insurance policy may, in the tragic event that you pass away, be included as part of the administration of your estate in some countries. Because of this, it is possible that the payout will be liable to inheritance tax, which is levied by the regional government.</p><h2>Before you immigrate, what steps should you take about your critical illness insurance?</h2><p>One of the things that goes into calculating the cost of critical illness insurance is the policyholder's expected length of life. Because of this, the premium for critical illness insurance acquired in nations with a high average life expectancy is typically more affordable, and the coverage is typically transferable to any location in the globe with no restrictions. If you have already purchased your critical illness insurance prior to immigration, you do not need to worry too much about the premium or if the critical illness medical coverage level will be changed. Both of these factors will not be relevant to you.</p><p>As it is quite possible that the insured person's place of residence would change because of immigration, the insurance company may request a re-evaluation of the insured person's status. If the risks faced by the insured person grow because of this, the premium for critical illness insurance may be subject to an increase. Yet, keeping your initial critical illness coverage before you immigrate can allow you to avoid the challenges of re-purchasing insurance after the move. When obtaining a new policy, for instance, the waiting period may be different from one to another depending not only on the illnesses that are covered but also on the insured person's present state of health. If you are diagnosed with a sickness or have symptoms appearing before your new policy goes into effect, it may result in increased rates, have an influence on the coverage provided by your critical illness insurance, or even put you at danger of having coverage denied. Purchasing insurance in your home country before immigrating can help fill the medical gap and save you the hassle of comparing and selecting insurance plans in a foreign country. Purchasing insurance in your home country before immigrating can also save you money.</p>

【移民保險 2023】手上的危疾保單應該退或留 | To keep or not. Should you sell your CI policy?

To keep or not. Should you sell your CI policy? | FWD HK

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Have a low probability of complete recovery after stroke? Here are 5 major sequelae and treatment you can try

See what treatment is available after stroke.

<p>A stroke takes place when the blood supply to the brain is reduced or interrupted, resulting in brain damage. The chances of being able to recover completely after a stroke depends on a myriad of factors, such as the severity and location of the stroke, and the age and general health of the patient.</p><p>Unfortunately, the probability of complete recovery from a stroke is often rather low. Many stroke survivors experience permanent or long-term disabilities, known as sequelae. Below are five common sequelae of stroke and their treatments:</p><h2>1. Weakness or paralysis</h2><p>Stroke survivors experience weakness or even paralysis on one side of their body. They can improve their muscle strength and coordination though physical therapy and rehabilitation.</p><h2>2. Speech problems</h2><p>A stroke can result in difficulty with understanding, speaking or writing a language. Going for speech therapy could help to improve communication skills.</p><h2>3. Cognitive impairments</h2><p>Suffering from a stroke can also affect one’s cognitive function, which includes, problem-solving skills, memory, and attention span. These functions can be improved through cognitive rehabilitation.</p><h2>4. Emotional problems</h2><p>Experiencing anxiety, depression and other emotional problems after stroke is very common. Taking part in support groups, engaging in counselling and taking medications can help to manage these symptoms.</p><h2>5. Swallowing difficulties</h2><p>A stroke can affect one’s ability to swallow, which could result in aspiration pneumonia or choking. Dietary changes and speech therapy can help improve swallowing function.</p><p>Receiving appropriate medical care and rehabilitation as early as possible after a stroke is key in increasing their chances of recovery.</p>

<h2>Stroke Rehabilitation Golden Period<sup>1</sup></h2><p>In the unfortunate scenario where you suffer from the sequelae of stroke, you should seek rehabilitation treatment as early as possible. It is generally believed by the medical committee that the golden period for recovery is three months after a stroke. During this period of time, brain ischemia gradually improves, brain edema, haemorrhage and pressure slowly returns to normal. In fact, there is still a lot of recovery happening in brain conditions after the first three months. The first six months after a stroke are also a critical period for recovery.</p><p>During this stage of stoke treatment, the focus is to help restructure the brain’s internal structure and function, as well as teaching patients to relearn how to use their limbs. For stroke patients with more serious conditions, significant improvement can still be achieved with a longer training period.</p><h2>Stroke Rehabilitation Treatment<sup>2,3</sup></h2><p>Our brain has a self-remodelling characteristic, as such various trainings and stimulations can help rebuild the damaged brain neuron connection network, thereby restoring the stroke patient’s ability to take part in activities. One key method of stroke rehabilitation involves engaging in physical therapy. Physical therapy can help stroke patients to improve self-care abilities, relearn limb control skills and integrate back into their work and daily social life. Some examples of physical therapy include walking training and gait correction.</p><p>On top of physical therapy, stroke rehabilitation treatment also includes occupational therapy. This focuses on targeting training of cognitive abilities. For instance, selecting and designing suitable assistive equipment according to the patient's needs can improve their autonomy and independence in their daily life. Another stroke rehabilitation treatment is speech therapy, where it focuses on training various muscles in the oral cavity, helping to improve speech clarity and reduce swallowing difficulties.</p><h2>Do you have enough financial protection in case of a stroke?</h2><p>It is likely that stroke recovery requires a large amount of time, which could be a major impact on your work. Having a critical illness insurance plan can provide you with financial support, relieving you of your financial burden so you can focus on your recovery.</p>

<p></p><ol><li>Source: Doctor Now, “<em>[Stroke rehabilitation] Understanding post-stroke difficulties</em>”</li><li>Source: Rehabaid Society, “<em>Storke rehabilitation physiotherapy</em>”</li><li>Source: Hong Kong Adventist Hospital, “<em>Head stroke</em>”</li></ol><p>The above information is provided by FWD Financial Limited ("FWD Financial") for reference and educational purposes only. It does not constitute an offer to buy or sell any insurance products outside of Hong Kong. Before purchasing any insurance product, you should understand your needs and affordability, read the policy carefully, and select suitable product. FWD Financial is an appointed insurance agency of FWD Life Insurance (Bermuda) Company Limited (incorporated in Bermuda with limited liability) (“FWD Life”). FWD Financial, FWD Life, their subsiding companies or their respective directors or employees make no express or implied representations, statements or warranties as to the accuracy, completeness or suitability for any particular purpose of the information provided. In no event shall FWD Financial, FWD Life, their subsiding companies or their respective directors or employees liable in any way for any consequences resulting from the use or reliance upon this article, and shall not incur any legal liability (including third-party liability). Users should evaluate all the information contained in this article and seek independent professional advice.</p>

【中風】完全康復機率微？5大後遺症及治療 | Managing stroke with low chance of complete recovery

Managing stroke with low chance of complete recovery | FWD HK

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Medical insurance vs critical illness insurance - what is the difference? What is voluntary health insurance?

<p>While both medical insurance and critical illness insurance provide health protection to the insured, they are fundamentally different types of insurance which have different types of purposes, compensation methods and coverage. So, what exactly is the difference between these two types of insurance? In today’s article, we will be running through the differences and help you to identify what you should pay attention to when purchasing insurance.</p><h2>3 key differences between medical insurance and critical illness insurance</h2><h3>1. Purpose of insurance</h3><p>Medical insurance supports you financially for the payment of your medical expenses. It allows you to receive reimbursement for medical expenses such as hospitalization, surgical fees, and rehabilitation during your treatment period.</p><p>You will also be able to choose the medical services that you prefer based on the compensation limit of your policy. On the other hand, critical illness insurance emphasizes being able to receive financial support should one be diagnosed with a serious illness. Once diagnosed with any of the illnesses covered under the critical illness policy, you will receive a lump-sum cash pay-out. Whether you will want to use this money to help cope with daily living expenses or use it to pay for your medical expenses, it is entirely up to you. This helps to reduce the economic pressure of not being able to work due to your illness.</p><h3>2. Compensation method</h3><p>Another difference between medical insurance and critical illness insurance is their compensation method. Most medical insurance uses a "pay-first claim-later" format, where the insured pays for the medical expenses first and then applies for remuneration from the insurance company based on the expenses incurred. The insurance company would then compensate you based on the coverage limit of your policy. Should your coverage limit be higher than the medical expenses incurred, you will only be compensated based on your medical bill.</p><p>In contrast, a critical illness insurance policy gives you a pay out as long as you are diagnosed with an illness under the policy. The amount received will be lump-sum compensation, which is the sum insured by the policy. With this payout, you will have more cash to help you cope with your daily expenses or any unexpected expenses when you are ill.</p><h3>3. Insurance coverage</h3><p>As for coverage, medical insurance covers mainly medical expenses such as hospitalisation, surgery and rehabilitation. However, such medical insurance generally does not cover mental illnesses. Critical illness insurance is generally divided into two different types of insurance, regular critical illness insurance and lifetime critical illness insurance. The policy terminates after reaching a specified compensation limit. In general, critical illness insurance covers common serious illnesses such as heart disease, cancer, and stroke. The specific number of critical illnesses covered would depend on the individual policy terms.</p>

<h2>What is voluntary medical insurance scheme?</h2><p>In recent years, we often hear about the Voluntary Health Insurance Scheme (VHIS) product, which is a type of medical insurance which falls under the category of personal hospitalization indemnity insurance products. The government aims to encourage more people to purchase this insurance by through the unique features of this voluntary medical insurance. Through this voluntary medical insurance, you can not only enjoy real-time medical coverage, receive treatment as early as possible, but also be able to apply for tax reductions and experience quicker waiting times in public hospitals. Since the voluntary medical insurance scheme was launched, it has received good responses from the public. The number of policies purchased under the government's voluntary medical insurance plan has exceeded 790,000 as of March 2021.</p><p>In addition to providing cost savings to policyholders, the launch of Hong Kong's voluntary medical insurance program helps in addressing many of the gaps in critical illness and traditional medical insurance plans in the market. For example, the voluntary medical insurance can guarantee coverage up till the age of 100, cover unknown pre-existing conditions at the time of enrolment, and cover the cost of psychiatric treatment in Hong Kong hospitals. As some medical insurance products also do not have a lifetime coverage limit, this allows you to get more comprehensive coverage. If you require medical insurance, it is worth taking some time to understand if this voluntary medical insurance is suitable for you.</p><h2>Voluntary medical insurance scheme or critical illness insurance – can you only choose one?</h2><p>Many people in the process of purchasing insurance may find it difficult deciding between a voluntary medical insurance scheme and critical illness insurance, as both have their benefits. However, a voluntary medical insurance scheme and critical illness insurance are not in conflict with each other and can even serve as complements. For example, a lump sum payout from one’s critical illness insurance can help in reducing financial pressure on the insured person upon being diagnosed with a critical illness. With medical costs soaring, having just a critical illness insurance alone may not be sufficient. It is likely that you will also need to purchase a voluntary medical insurance scheme to cover the high hospitalization and medical expenses in the future.</p><p>To cope with the potentially high future medical expenses related to critical illnesses, having a voluntary medical insurance scheme may be one of your choices.</p>

【醫療保險vs危疾保險】大不同！自願醫保又是什麼？ | Medical insurance vs. critical illness insurance

Medical insurance vs. critical illness insurance | FWD HK 

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Exercise frequently? Here are some ways to reduce exercise injury

Learn 3 types of warmups to reduce injury.

<p>Most people know the importance of warming up before exercising, but do you know the correct way of warming up? We can lower our chance of injury by warming up before exercising. Our workout performance will suffer, and our risk of injury will rise, if we do not do our warm-up activities properly. The right methods for warming up, the proper progression for these exercises, and their advantages will all be covered in this blog post.</p><h2>Why are warm up exercises beneficial?</h2><p>Warm-up exercises help transition our body from resting to exercise mode as smoothly as possible through various warm-up activities. When carried out properly, these warm-up techniques can promote blood circulation, gradually raise heart rate and lower the risk of injury.</p><h2>Steps for a proper warm up</h2><p>There are three parts of a proper warm-up regimen, each part involves a steady increase in intensity from low to moderate and a gradual increase of heart rate from slow to fast. This cycle continues until our breathing and heart rate have risen notably.</p><h3>Part one: Basic warm up</h3><p>We can begin with some low-intensity warm-up exercises such as jumping jacks for around five minutes. This helps in promoting blood flow around our body and raises our body temperature. Doing so helps us in avoiding muscle stresses by allowing muscles to adapt into the workout condition smoothly.</p><h3>Part two: Static stretching</h3><p>Our body goes into a preheating once the initial warm-up is over. At this time, we should engage in static stretching exercises to help relax the muscles, improve the range of motion stretching the limbs, increase flexibility, and improve agility during activity. Stretching in place is a key component of static warm-up exercises. We should stretch progressively and hold the position for 30 to 60 seconds once you have reached your maximum range. Here are some simple warm-up exercises that focus on a variety of areas to meet the needs of diverse workout requirements:</p>

<table><thead><tr><th><p>Targeted muscles</p></th><th><p>Exercise</p></th></tr></thead><tbody><tr><td><p>Inner thigh</p></td><td><p>Sit cross-legged with your feet touching and straighten your waist. Then, firmly squeeze your thighs down while holding onto your feet with both hands.</p></td></tr><tr><td><p>Quadriceps</p></td><td><p>Stand upright and pull your left foot back until you feel a stretch. Ensure that the knee is parallel to the ground and hold it in place with your left hand while standing straight. Repeat the same motion with your right foot.</p></td></tr><tr><td><p>Back muscles</p></td><td><p>Kneel, sit on your heels and shift your weight back. Stretch both your arms and bend forward to try to touch the ground.</p></td></tr></tbody></table>

<p>Stretching before activity aims to relax the muscles instead of overstretching them. In the following circumstances, it is critical to be careful: You may need to practise easy rehabilitation exercises if you have a muscular injury. During warm-up activities, stretching too much could make the problem worse.</p><p>Blood vessels tend to contract in cold conditions, restricting blood flow to the muscles and limiting their capacity to stretch. During such scenarios, engaging in excessive stretching during warm-up can increase the danger of muscular strain.</p><h3>Step three: Dynamic stretching</h3><p>Dynamic stretching can be done after static stretching is completed to relax the muscles. In dynamic stretching, larger ranges of motion, faster rhythms, and repetition are done to increase muscle flexibility, boost metabolic processes, and prepare muscles for subsequent workouts. Here are some dynamic warm-up exercises you can do for around 5 minutes before beginning your workout.</p>

<h3>1. Squats</h3><p>Standing with your feet shoulder-width apart and your toes pointed forward, perform a squat. Clasp your hands collectively and visualize a chair behind you. Gently sit down, hold for three to five seconds, then stand up and repeat. Keep your upper body still and ensure your knees do not go past your toes.</p><h3>2. Hip joint external rotation</h3><p>Stand with one foot in front of the other and rotate your hips outward. Bend your leg forward gradually until it forms a 90-degree angle. Hold this posture for three to five seconds, then move to the other foot and carry out the same motion.</p><h3>3.Jumping in place</h3><p>Do not overextend yourself by bending your knees or jumping too high. Jump with both feet straight. In addition to stretching the Achilles tendon to lower the risk of damage, this action helps to activate the calf muscles.</p><p>Warm-up activities use low to moderate intensity movements to get the body ready for more strenuous physical activity. To know if you have performed enough warm-up exercises, though, could be challenging. How do you know if you have warmed up sufficiently? The Talk Test is a quick technique to determine whether your warm-up was adequate<sup>1</sup>. This test involves determining your ability to converse while performing the warm-up exercises.</p>

<table><thead><tr><th>Exercise intensity</th><th>Breathing level</th></tr></thead><tbody><tr><td><p>Low intensity</p></td><td><p>It is easy to breathe and sing</p></td></tr><tr><td><p>Medium intensity</p></td><td><p>You can have a conversation and breathe normally</p></td></tr><tr><td><p>High intensity</p></td><td><p>It is difficult to speak, and your breathing is rapid</p></td></tr></tbody></table>

<h2>Cooling down after exercising is just as important as warming up beforehand</h2><p>To reduce the risk of injury, it is important to perform cooling down exercises. These exercises help gradually reduce the heart rate to a normal level and promote blood circulation in the muscles, preventing discomfort and pain from muscle stiffness and injury. The movements involved in cooling down exercises are like those in warm-up exercises. However, the speed and range of motion are usually slow to fast and large to small, respectively - in the opposite order of warm-up exercises. These exercises should be performed for approximately 10 minutes, followed by a 2-minute rest period once the body has cooled down<sup>2</sup>.</p><p>Even though warming up properly can help in reducing the chances of injury, it is not possible to prevent injuries completely. To enjoy your exercises and sports completely, purchasing personal accident insurance would help reduce any potential financial burden incurred from any injuries.</p>

<p></p><ol><li>Source: Formosa Cancer Foundation, “<em>Correct exercising concepts</em>”</li><li>Source: Student Health Service - HKSAR DOH, “<em>Exercise and Keep Fit</em>”, 2021</li></ol><p>The above information is provided by FWD Financial Limited ("FWD Financial") for reference and educational purposes only. It does not constitute an offer to buy or sell any insurance products outside of Hong Kong. Before purchasing any insurance product, you should understand your needs and affordability, read the policy carefully, and select suitable product. FWD Financial is an appointed insurance agency of FWD Life Insurance (Bermuda) Company Limited (incorporated in Bermuda with limited liability) (“FWD Life”). FWD Financial, FWD Life, their subsiding companies or their respective directors or employees make no express or implied representations, statements or warranties as to the accuracy, completeness or suitability for any particular purpose of the information provided. In no event shall FWD Financial, FWD Life, their subsiding companies or their respective directors or employees liable in any way for any consequences resulting from the use or reliance upon this article, and shall not incur any legal liability (including third-party liability). Users should evaluate all the information contained in this article and seek independent professional advice.</p>