Geared to go!

With comprehensive critical protection, you can let your passionate spirit flourish. With Crisis XDefender Signature / Signature Plus, you are ready to enjoy your fabulous life.

3 Reasons To Buy

Enhanced Security from Designated Crises up to 690% of Initial Sum Insured ^1,2

Cover Defined Diseases to Undefined/ Unknown Diseases ^1,3,4

Support from (i) Rehabilitation Benefit⁵ to (ii) Lifestyle Management Program⁶ which provide the Insured with designated rehabilitation program in case of First Confirmed Diagnosis of Alzheimer’s Disease

But wait, there’s more

Extra support of Cancer Booster Benefit for enhanced cancer coverage⁷
- Offer an additional of 20% of Initial Sum Insured if Crisis Benefit or Multiple Benefit for Designated Crisis has been paid for Cancer and the Insured is diagnosed with the same Cancer and is receiving Active Treatment or End-of-life Care in respect of the same Cancer at least after 1 year.
Extra Protection against Benign Tumour^1,8

Offer up to additional 15% of Initial Sum Insured if it is confirmed diagnosed as a Benign Disease
Professional Services Are Around You
- PREMIER THE ONEcierge One Team Health Management⁹
- Second medical opinion¹⁰
- Family Care Services¹¹

Disclaimer

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 brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the Plan.

Remarks

FWD Life Insurance Company (Macau) Limited (“FWD” or “We”) will pay the Crisis Benefit/ Critical Medical Care Benefit/ Life Impact Benefit (Only applicable under Crisis XDefender Signature Plus)/ Special Disease Benefit / Benign Tumour Extra Benefit / Multiple Benefit for Designated Crises only where the First Symptoms appear, the condition occurs and the diagnosis or surgery relating to the relevant Crisis, Special Disease, Benign Disease or illness occurs after the first 90 days from the Policy Date. This first 90 days limitation does not apply if any Disease or illness is solely and directly caused by an Accident and independently of any cause.
If the total claims paid of Crisis Benefit, Special Disease Benefit and/or Critical Medical Care Benefit under the Policy reach 100% of the Initial Sum Insured while the Policy is still inforce, FWD will waive the balance of premium payable under the Policy falling due immediately after the date following the First Confirmed Diagnosis of the Crisis or Special Disease or the first day of Confinement to Intensive Care Unit which leads the Total Claims paid under the Policy to reach 100% of the Initial Sum Insured and all the riders will be terminated.
The Special Disease Benefit and Critical Medical Care Benefit will be payable until the Aggregate Limit has been reached. Upon the payment of claims under Special Disease Benefit and Critical Medical Care Benefit, the Current Sum Insured of the policy will be reduced accordingly. Current Sum Insured means the Initial Sum Insured less any claims paid and / or payable for Special Disease Benefit and Critical Medical Care Benefit under the Policy. Death Benefit, Crisis Benefit, Guaranteed Cash Value, future premium and Special Bonus (if any) will be reduced accordingly. The subsequent payment(s) under each claim of Special Disease Benefit or Critical Medical Care Benefit will not be higher than the reduced Current Sum Insured.
While the policy is in force, this Multiple Benefit for Designated Crises is payable if, following payment of a Crisis Benefit, the Insured is diagnosed with a subsequent Cancer, Heart Attack or Stroke and survives for a period of at least 14 days from the date of First Confirmed Diagnosis of such respective Cancer (except for Continuous Cancer), Heart Attack or Stroke, subject to the following conditions and additional requirement as set out in the respective definition of Cancer, Heart Attack or Stroke:
(a) If the immediately preceding claim paid under Crisis Benefit for any Crisis or Multiple Benefit for Designated Crises for Cancer, Heart Attack Stroke covered by this policy, subsequent claim(s) for Cancer, Heart Attack or Stroke can be made provided that the First Confirmed Diagnosis of the subsequent claim(s) for Cancer, Heart Attack or Stroke shall be at least 1 year after the date of the First Confirmed Diagnosis of the immediately preceding Crisis Benefit claim for any Crisis or Multiple Benefit for Designated Crises claim for Cancer, Heart Attack Stroke covered by this policy (for which benefit has been paid under the policy); and
(b) If any preceding claim for Cancer has been paid under Crisis Benefit or Multiple Benefit for Designated Crises, subsequent claim(s) for Cancer (Continuous Cancer, recurring Cancer and Cancer in different sites) can be made provided that,
This benefit cannot be claimed more than 5 times under this policy. In case the Insured is aged 70 (age next birthday) or above and makes any subsequent claim for prostate cancer resulting from the Continuous Cancer of a previous prostate cancer for which a previous claim was made, the benefit will only be payable if the Insured has received or is in the process of receiving the full course of cancer-directed surgery, radiotherapy, chemotherapy, targeted therapy or a combination of these treatments (excluding hormonal therapy) which is Medically Necessary during the intervening period between the diagnosis of the previous and subsequent prostate cancer.
While the Policy is in force, if it becomes Medically Necessary for the Insured to be Confined in an Intentive Care Unit for 3 or more consecutive days with the use of Invasive Life Support, FWD shall pay Critical Medical Care Benefit. This benefit will be payable only once under this Policy.
While the Policy is in force, Life Impact Benefit is payable if the Insured is Confined in an Intensive Care Unit for 3 or more consecutive days with the use of Invasive Life Support and experiences one or more of the following conditions within the same 120-day period which is caused by the same illness or Injury:
(i) The Insured is Confined in a Hospital for 10 or more consecutive days (including anytime Confined in an Intensive Care Unit);
(ii) A Medical Practitioner confirms that the Insured will need lifelong prescription medicine which is Medically Necessary; or
(iii) The Insured has surgery under general, spinal or epidural anesthetic which is Medically Necessary.
The additional benefit amount of Life Impact Benefit will not be deducted from the Current Sum Insured (Only applicable under Crisis XDefender Signature Plus). This benefit will be payable only once under this Policy. This benefit will automatically terminate on the Policy Anniversary immediately preceding the 86th birthday of the Insured.
Notwithstanding any other provisions of this Policy,
(a) if (a) any of Crisis Benefit or Multiple Benefit for Designated Crises, and (b) Life Impact Benefit are payable by the Company as a result of same incident, the Company will not pay the Life Impact Benefit.
(b) if any preceding claim for illness or Injury has been paid under Crisis Benefit or Multiple Benefit for Designated Crises, the Company will not pay the Life Impact Benefit for the same illness or Injury.
While the Insured is alive and the Policy is in force, when the Crisis Benefit for Heart Attack or Stroke is payable, Rehabilitation Benefit will be payable for every month (up to a maximum of 6 consecutive months) starting from the payment date of the Crisis Benefit for Heart Attack or Stroke. This benefit will be payable once only under the Policy and will not be deducted from the Current Sum Insured.
While the Policy is in force and the Insured is still alive, when (a) Multiple Benefit for Designated Crises, Crisis Benefit and / or Special Disease Benefit for their respective Group 3 Diseases (Illnesses related to Circulatory System) is payable, (b) the Insured has the First Confirmed Diagnosis of Alzheimer’s Disease, or (c) the Insured’s parents has the First Confirmed Diagnosis of Alzheimer’s Disease, the Insured or the Insured’s parents (as the case may be) is eligible for the Lifestyle Management Program, subject to the following conditions:
• When the Multiple Benefit for Designated Crises or Crisis Benefit for Heart Attack or Stroke is payable, FWD will provide a designated rehabilitation program to the Insured and the fee will be waived once per life. Each Insured can only claim either this designated rehabilitation program or designated rehabilitation program for Alzheimer’s Disease.
• When the Crisis Benefit and/or Special Disease Benefit for their respective Group 3 Diseases (Illnesses related to Circulatory System, except Heart Attack or Stroke) is payable, FWD will refer the Insured to the designated rehabilitation programs and pay the initial consultation fee, once per life, of the program chosen by the Insured. All other relevant fees and charges will be borne by the Insured.
• Provided that the Policy was issued after age 35 at the next birthday of the Insured:
Lifestyle Management Program is only available in Hong Kong region.
The Lifestyle Management Program will start within 6 months from the payment date of the claim of Multiple Benefit for Designated Crises, Crisis Benefit or Special Disease Benefit of such respective Disease under Group 3 (Illness related to Circulatory System) or the date of First Confirmed Diagnosis of Alzheimer’s Disease.
Details of the Lifestyle Management Program will be determined at the sole discretion of FWD at the time the services are provided, and the services may be provided by third party service providers as FWD may designate.
The rehabilitation service for Heart Attack or Stroke is provided by HealthMutual Group Limited (“HMG”) and its healthcare network team currently.
The rehabilitation service for Alzheimer’s Disease is provided by Senior Citizen Home Safety Association and its healthcare network team currently.
FWD reserves the right to vary the services in its sole discretion at any time without further notice. FWD shall not be responsible for any act, negligence or failure to act on the part of the above service providers and/ or their healthcare network teams.
While the Policy is in force, if Crisis Benefit or Multiple Benefit for Designated Crises has been paid for Cancer, and the Insured is diagnosed with the same Cancer and is receiving Active Treatment or End-of-life Care in respect of the same Cancer on the recommendation of a Specialist, which is Medically Necessary and performed at least 1 year from date of First Confirmed Diagnosis of the Cancer of which Crisis Benefit or Multiple Benefit for Designated Crises has been paid under the Policy, FWD shall pay Cancer Booster Benefit. This benefit will be payable only once under this Policy.
This benefit will automatically terminate on the earlier of the following:
(i) If the Crisis Benefit or Multiple Benefit for Designated Crises under this Policy have been exhausted and none of them are paid or payable in respect of Cancer; or
(ii) the Policy Anniversary immediately preceding the 86th birthday of the Insured.
Surgical Excision of Covered Benign Tumour means an actual undergoing of a complete surgical excision of a Solid Tumour and such tumour is excised specifically for the purpose of ruling out cancer and is confirmed by histopathological examination in writing by a specialist as a non-cancerous benign tumour. The Benign Tumour Extra Benefit for each organ will be only payable once under this Policy. For those organs with both left and right component (including breast, kidney, ovary, lung and testis), the left component and right component of the organ shall be considered as one and the same organ. This additional benefit amount will not be deducted from the Current Sum Insured.
PREMIER THE ONEcierge, provided by HMG and its healthcare network team and Parkway Hospitals Singapore (“Parkway”) is not a part of the Policy or benefit item under the Policy Provisions and is not guaranteed renewable. FWD reserves the right to terminate or vary the service in its sole discretion without further notice. FWD shall not be responsible for any act, negligence or failure to act on the part of HMG and its healthcare network team and Parkway. This service is only available in the Pan-Asia Region. The hotline for PREMIER THE ONEcierge is (852) 8120 9066 for Hong Kong and there is also a toll-free number for Mainland, 400 9303078. For details, please refer to the attached PREMIER THE ONEcierge’s brochure and policy document for details.
Second Medical Opinion is provided by International SOS currently and is not guaranteed renewable. All relevant fees and charges (if any) of this service shall be borne by the Insured. FWD shall not be responsible for any act or failure to act on the part of International SOS. Details of the services may be revised from time to time without FWD’s prior notice. Please refer to policy document for details.
Family Care Services is provided by Aspire Lifestyles (“Aspire”) currently and is not guaranteed renewable. All relevant fees and charges (if any) of this service shall be borne by the Insured. FWD shall not be responsible for any act or failure to act on the part of Aspire and/or any of its affiliates. Details of the services may be revised from time to time without FWD’s prior notice. Please refer to policy document for details.

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Service Hotline

8988 6060

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