HK’s Largest Online Insurance Platform⁺

MyTerm Plus

Sum insured up to HK$8 million, guaranteed renewable up to age 100 (age next birthday)
Top up your coverage without underwriting at different life milestones
Up to 300% of sum insured of death and additional accidental related benefits with Superior version

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As low as

HK$

/month*

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MyCover Critical Illness Plan

Critical Illness + Medical Protection (optional benefit) in one policy. Worry less and chill.

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NEW

MedInsurance Expert

Help you choose medical plans that suit your needs

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Term Life - MyTerm Plus

10-year fixed-premium option with upgraded life coverage up to HK$8 million.

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MyMillion Medical Plan

Enjoy full coverage on a series of hospitalisation and surgical expenses to standard ward room at an affordable premiums.

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VHIS Flexi Plan - vPrime

Top VHIS winner, 100% full cover for hospitalisation and surgical expenses up to HKD12.5 million per policy year

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FWD Online Insurance Platform

As little as 1 health question

Customers are asked as little as 1 health question with no medical exams or certificates.

As fast as 5 minute application

Just a few taps and you can complete your online application as quickly as 5 minutes

Get covered in as quickly as 30 minutes

Most customers can be covered with their policy emailed back as quickly as 30 minutes.

42 second claims

We make it easy to claim - and even easier to get paid. Selected claim types are approved and paid in just 42 seconds.

Voice of real customers

Marvin.Lim

Good variety of product! Very convenient!

Yuki Tsuchiya

The online platform is easy to use with clear instructions.

Kamiliacx

FWD online platform is so good! You can get protection in just 5 mins!

Our industry awards

Bloomberg Businessweek Financial Institution Awards 2022 – Online Platform Outstanding award

FWD received 10Life Outstanding VHIS Award 2022 5 Stars Rating

10Life Outstanding VHIS Award 2022 – 5-Star Rating

FWD received Markies Award 2022 VHIS Best coverage, more comprehensive protection award

Markies Award 2022 – VHIS Best coverage, more comprehensive protection Silver award

Bloomberg Businessweek Financial Institution Awards 2022 – Voluntary Health Insurance – Outstanding

10Life Outstanding VHIS Award 2022 – 10/10 Medical coverage score

FWD received The Hong Kong Insurance Awards 2022 Outstanding Digital Marketing Campaign Award (Life Insurance)

The Hong Kong Insurance Awards 2022 - Outstanding Digital Marketing Campaign Award (Life Insurance) - Grand Award

Get more time to enjoy the moments that matter

FWD eServices app provides faster and smoother claims services. You can get claim and pay-out in a few short taps from your mobile device.

It also gives you easy access to all your policy details, quick update on your information and track your claims instantly.

*Calculated based on the standard premium of a 25-year-old male who is a non-smoker; MyTerm Plus Term Life Insurance Plan: a renewable period of 10 years and a sum insured of HK$3.5 million; MyCover Critical Illness Plan - MyCover Plus: a renewable period of 10 years and a sum insured of HK$1 million; vPrime Medical Plan: An annual deductible option of HK$50,000; vCare Medical Plan; MyMillion Medical Plan: an annual deductible option of HK$30,000; CANsurance Cancer Protection Plan; MySafe Accident Protection Plan: with a sum insured of HK$1 million and occupation as a clerk of Governmental Departments. Apply online and enjoy a premium discount with designated promo code. Terms & conditions of the following products apply: 
MyTerm Plus Term Life Insurance Plan; MyCover Critical Illness Plan; vPrime Medical Plan; vCare Medical Plan; MyMillion Medical Plan; CANsurance Cancer Protection Plan; MySafe Accident Protection Plan
*The premium of MyGuard All-in-1 is calculated based on the standard premium of a 20-year-old male who is a non-smoker; MyTerm Plus Term Life Insurance Plan: a renewable period of 10 years and a sum insured of HK$1 million; MyCover Critical Illness Plan - MyCover Plus: a renewable period of 10 years and a sum insured of HK$1 million; MyMillion Medical Plan: An annual deductible option of HK$60,000; MySafe Accident Protection Plan: with a sum insured of HK$500,000 and occupation as a clerk of Governmental Departments. The above four products can be purchased separately on FWD online insurance platform.
*vPrime Medical Plan won the Grand Award of "Most Innovative Product/Service Award - Voluntary Health Insurance Scheme" in Hong Kong Insurance Awards 2021 & 2022, Outstanding Award and Excellence Award from "VHIS plans series" respectively in Bloomberg Businessweek Financial Institution Awards 2021 & 2022, and one Outstanding Awards from "Health & Protection” Financial Institution Awards 2022 by Bloomberg Businessweek.
⁺HK’s Largest Online Insurance Platform refers to the number of new business case count through online and direct sales platforms that ranks first in Hong Kong. The Insurance Authority's provisional statistics on Hong Kong's long-term insurance business from January to December 2023 only count long-term life individual insurance business, general insurance and multi-distribution channel insurance companies, and FWD makes its own assessment based on its understanding of market data. FWD will not be responsible for any errors or omissions.
^Easy WealthPlus Endowment Plan offers a guaranteed return of 4% p.a. The 8-year guaranteed return will be up to 4.53% p.a. after enjoying the additional 4% premium discount during the promotional period.
¹This Plan is offered for a limited period and on a limited quota basis, and its availability is at the discretion of FWD Life Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) (“FWD”). FWD reserves the right to decline applications for this Plan with a full refund of any premium paid and any insurance levy paid without interest.