We all want to take the best possible care of our loved ones, but unexpected healthcare spending can have a significant financial impact on the whole family. Physical and financial health are the key ingredients of a worry-free life, especially when healthcare costs are increasing significantly.

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.

If you wish to make a claim, please submit your claims application within the specified time. For more details on claims such as claims procedure, claimable amount estimate and reimbursement limit, please refer to: https://www.fwd.com.mo/en/support-claims/claims/hospitalisation/

Deductible Example

  1. FWD shall renew at each policy anniversary up to the Age of 100 (attained age) of the Insured Person.
    FWD reserves the right to revise the Terms and Benefits, upon Renewal by giving a 30 days advance notice.
  2. 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.
  3. Tests covered here only include computed tomography (“CT” scan), magnetic resonance imaging (“MRI” scan), positron emission tomography (“PET” scan), PET-CT combined and PET-MRI combined.
  4. This benefit shall be payable for the Eligible Expenses charged on the psychiatric treatments during Confinement in Macau or Hong Kong as recommended by a Specialist. The benefit shall be payable in lieu of other benefit items under (a) to (k) of I. Basic benefits in the Benefit Schedule. Where the Eligible Expenses involve both psychiatric and non-psychiatric treatments and apportionment of the expenses is not available, the expenses in entirety shall be payable under this benefit if the Confinement is initially for the purpose of psychiatric treatments. If the Confinement initially is not for the purpose of psychiatric treatments, the expenses in entirety shall be payable under (a) to (k) of I. Basic benefits in the Benefit Schedule.
  5. Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
  6. For details, please refer to Section (F) of Part 1 of the Supplement - Enhanced benefits under the Policy provisions.
  7. For details, please refer to Section (G) of Part 1 of the Supplement - Enhanced benefits under the Policy provisions.
  8. Congenital Condition is only covered for condition which has manifested or been diagnosed after the Age of 8 (attained age) of the Insured Person.

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