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.

3 Reasons To Buy

The product information in this website is for reference only and does not contain the full terms and conditions, key product risks and full list of exclusions of the policy. For the details of benefits and key product risks, please refer to the product brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the plan.

  1. Per a comparison made on 28 February 2022 among the personal accident insurance plans of key insurers available in Macau market, Scar due to Accident Benefit is first in market.
  2. For medical definitions for Scar due to Accident, please refer to the Policy Provisions.
  3. The accidental death and dismemberment (please refer to the Schedule of Benefits on page 12 of the product brochure) and the Permanent Total Disability must occur within 180 days from the date of Accident. FWD Life Insurance Company (Macau) Limited (“FWD”) will pay the Accidental Death and Dismemberment Benefit and the Permanent Total Disability Benefit, up to a maximum of 100% of the Initial Sum Insured, regardless of the numbers of Accidental Injuries sustained by the Insured. The Plan will end once 100% of the Initial Sum Insured has been paid (when the Sum Insured Limit 8 becomes zero). If a claim is payable at an amount that is higher than the Sum Insured Limit, FWD will only pay the amount of the Sum Insured Limit.
  4. Physician should have certified that the Insured is beyond any reasonable hope of improvement from such disability before FWD starts making the payments of a) monthly benefit; and b) Sum Insured Limit.
  5. Permanent Total Disability Benefit 3,4 (not applicable if the Insured is under age 19 at next birthday on the date of the Accident)
    • 1% of the Initial Sum Insured is payable each month during the continuation of such disability from the 13th month after the date on which the Insured suffers an Accidental Injury that leads to Permanent Total Disability, subject to a maximum of 18 months. Premium of this Plan will be waived 9 when Permanent Total Disability Benefit 3,4 is payable.
    • The Plan will pay a lump sum payment equivalent to the Sum Insured Limit 8 if the Permanent Total Disability continues after such 18 months (i.e. on the 31st month from the date of the Accidental Injury).
  6. The amounts payable for Accidental Death and Dismemberment Benefit 3, Scar due to Accident 2 Benefit and Permanent Total Disability Benefit 3,4,5 are doubled if the Insured sustains an Accidental Injury under one of the following conditions:


    While the Insured is a fare-paying passenger on any public conveyance licensed to carry passengers;


    In a fire in a public building including theatre, public auditorium, licensed hotel or guesthouse, school, Hospital, restaurant, shopping mall and public transport station. The Insured must be in the building when the fire starts;


    In an elevator (apart from any elevators in a mine or construction sites);


    As a result of being struck by a motorised vehicle or injured in a traffic accident while being a pedestrian; or


    As a result of earthquake, natural flooding or landslide.

  7. Amounts payable for Accidental Death and Dismemberment Benefit 3, Scar due to Accident 2 Benefit and Permanent Total Disability Benefit 3,4,5will be increased by the respective Renewal Bonus rate. The Renewal Bonus rate starts from 5% effective from the 1st Policy Anniversary and the rate will be increased annually by 5% up to a maximum rate of 30% and without charging extra premium.
    The applicable Renewal Bonus rate is determined by the date that the claim is incurred.

    Renewal Bonus rate

    Effective since

    Applicable period


    1st Policy Anniversary

    2nd Policy Year


    2nd Policy Anniversary

    3rd Policy Year


    3rd Policy Anniversary

    4th Policy Year


    4th Policy Anniversary

    5th Policy Year


    5th Policy Anniversary

    6th Policy Year


    6th Policy Anniversary

    7th Policy Year and thereafter

  8. Sum Insured Limit is equivalent to the Initial Sum Insured less any benefit paid under Accidental Death and Dismemberment Benefit, Scar due to Accident Benefit and Permanent Total Disability Benefit. The Sum Insured Limit becomes zero once 100% of the Initial Sum Insured is paid.
  9. Ever Care Accident Protection Plan: Premium of basic plan will be waived, payment of the premium of rider(s) (if any) are required. Ever Care Accident Protection Rider: Premium of Ever Care Accident Protection Rider will be waived, payment of the premium of Basic Policy and other riders (if applicable) are required.

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