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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 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>

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