Medical & Critical Illness Insurance Combo

¹ Source: Hong Kong cancer statistics of 2022. According to the cancer statistics of 2022, the chances of developing cancer before the age of 75 are approximately 1 in every 4 males and 1 in every 5 females.
² Source: HK01. Liver cancer is prone to recurrence, divided into early and advanced stages! 8 risk factors to pay more attention to liver health.
³ Source: Yan Chai Health News .The risk of recurrence of stroke within 5 years is 30%.
⁴ Source: Heart Disease and Stroke Statistics of 2020 by American Heart Association.
⁵ Refer to vPrime Medical Plan and MyCover Critical Illness Plan.
⁶ vPrime Medical Plan is a Flexi Plan certified by the government under the Voluntary Health Insurance Scheme (Certification number: F00045) and is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD Life”) (VHIS provider registration number is 00036).
⁷ Full cover shall mean no itemised benefit sublimit, the actual amount of Eligible Expenses and other expenses charged after deducting the remaining Deductible (if any) and is subject to the Annual Benefit Limit. Full cover applies to selected benefit items only, while other benefit items are not fully covered and are subject to respective benefit item’s limits. Please refer to Benefit Schedule and Policy provisions for details. Full cover is subject to Reasonable and Customary charges or expenses incurred as a result of services which are Medically Necessary. For the definition of "Medically Necessary" and "Reasonable and Customary", please refer to the product brochure.
⁸ Deductible shall mean a fixed amount of Eligible Expenses or expenses that, in a Policy Year, the Policy Holder must pay before FWD shall reimburse the remaining Eligible Expenses or remaining expenses.
⁹ For details of the “First-dollar coverage – Deductible waived for designated crises”, including the definition of the designated crises and the relevant waiting period, please refer to the Supplement – First-dollar coverage – Deductible waived for designated crises of the Policy provisions. FWD shall have the right to ask for proof of recommendation e.g. written referral or testifying statement on the claim form by the attending doctor or Registered Medical Practitioner.
¹⁰ FWD Life will pay the relevant benefit only where the first symptoms appear, the condition occurs and the diagnosis or surgery relating to the relevant disease of the insured occurs after the first 90 calendar days from the commencement date.
¹¹ The maximum sum insured for applicants with age 60 – 69 (actual age) is HK$1,500,000.
¹² Crisis benefi­ts (optional benefit - cover additional 59 critical illness on top of the Big 3 disease) is only applicable to the MyCover Plus and MyCover 2-in-1 plan.
¹³ For vPrime Medical Plan (“vPrime”), this service is optional and does not form part of the Terms and Benefits of the VHIS Certified Plan – vPrime Medical Plan (Certification Number: F00045). Customer has the right to opt-out this service. Please inform FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) ("FWD Life”) in writing if you do not want to receive this free additional service. Cashless Facility Service is an administrative arrangement to pay the covered expenditures when the insured person receives approved medical procedures in a network hospital or a specialist medical service centre, but not a benefit item under policy of vPrime, and it is not a guaranteed successful arrangement. FWD Life reserves the right to terminate or vary the service in its sole discretion without further notice. FWD Life would pay the medical cost to the relevant hospital or specialist medical service centre on behalf of the insured person after successful arrangement of the Cashless Facility Service. If there is deductible balance of the policy of vPrime, policy holders are required to pay such balance when admitted to the hospital or at the specialist medical service centre. If the medical cost paid by FWD Life is higher than the maximum amount of benefit, FWD Life would seek reimbursement from policy holders for such amount. The Cashless Facility Service is provided by external third party service provider(s) which are not guaranteed renewable. FWD Life shall not be responsible for any act, negligence or omission of medical advice, opinion, service or treatment on the part of them. FWD Life reserves the right to amend, suspend or terminate the service without further notice.