Ever Care Accident Protection Plan

Broad accident coverage with deep care

For people like you, who have so much in store for your future, an accident isn’t just a brief incident. So, we designed this plan that offers broad coverage with deeper care to help you and your family bounce back from any accidental setback.

accident/disability

medical reimbursement

hospital cash

Available to buy via:

FWD agents

First-in-market scar due to accident cover

A visible scar can be upsetting. So, we’ll pay 20% of your initial sum insured as an advanced payment of accidental death and dismemberment benefit.

Annual 5% increase in cover

We’ll increase your designated benefits by 5% at every renewal, up to maximum rate of 30%, including any double indemnity benefit.

Global assistance

Get help overseas* – for example, if you need to get home quickly or repatriation, should there be a loss of life.
*Service provided by third party, please refer to product brochure for details

Double daily hospital income for intensive care unit confinement

If you are confined in the intensive care unit in specified regions due to accidental injury or specific illnesses, daily hospital income amount will double up.

Optional additional accidental medical expenses

An option to take care of your medical care that may cost you a lot.

Interested?

Take a closer look at all the details – and feel free to call us with any questions.

Coverage summary

Issue age

1 (15 days) - 70

Premium payment term and benefit term

Yearly renewable to age 75

Premium Structure

Based on 4 occupational classes and place of residence Renewal premium are non-guaranteed but the premium will not be increased based on the age of the insured on his or her next birthday

Currency

HKD / USD

Minimum Initial Sum Insured

HK$400,000 / USD5,000 (without Optional Additional Accidental Medical Expenses Benefit) or HKD600,000/USD75,000 (with Optional Additional Accidental Medical Expenses Benefit)

Maximum Initial Sum Insured

HK$3,000,000 / USD375,000

Download product brochure

Helpful notes

Age refers to the age of the insured on their next birthday.
4 occupation classifications: please refer to product brochure remarks.

The product information here is for reference only and doesn’t contain the full terms and conditions, key product risks and exclusions. For more details and key product risks, please refer to the product brochure. For the exact terms and conditions and a full list of exclusions, please refer to the policy provisions of the plan.

This product is underwritten by FWD Life Insurance Company (Bermuda) Limited ("FWD Life/ FWD"). FWD Financial Limited is an appointed and licensed insurance agency of FWD Life.

Useful information

Historical dividend / bonus information

Dividend / bonus declaration philosophy

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