Premium Refund
Medical Protection Plans

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Premium Refund Medical Protection Partner — FWD Life1

Our trusted insurance partner, FWD Life Insurance, offers a thoughtful range of medical protection plans tailored to support you and your loved ones through life’s unexpected health challenges.

 

  • Enjoy 20-year benefit term with 10-year premium payment term

  • Get a return of Total Premiums Paid at maturity2 regardless of your claims made during the benefit term, for greater peace of mind and flexibility

  • No medical examination needed, get insured easily over the phone

Hospital Income Protection

Healthy Plus
Refundable Hospital Income Plan

  • Receive 108% of Total Premiums Paid2 at maturity, notwithstanding any claims made during the benefit term
  • 5 plan levels for selection. If the insured is hospitalized due to sickness or injury, a Daily Hospital Cash Benefit will be provided for up to 1,000 days
  • Additional Accidental Daily Hospital Cash Benefit involving Public Transport3,4
  • Enjoy a 5% Family Premium Discount when you apply for this Plan with your spouse and/or children
Surgical Cash Protection

Wise Plus
Refundable Surgical Cash Plan

  • Receive 103% of Total Premiums Paid2 at maturity, notwithstanding any claims made during the benefit term
  • In-patient surgeries due to disability are covered by a lump-sum Surgical Cash Benefit. In addition, eligible expenses for out-patient surgery and pre-surgical specialist consultations will be reimbursed subject to the requirements and limits specified in the policy provisions
  • With an option of Health Screen Benefit. 8 plan levels in total
  • Enjoy a 15% Family Premium Discount when you apply for this Plan with your spouse and/or children
Accident Protection

SafePlus
Refundable Accident Protection Plan

  • Receive a full refund of Total Premiums Paid2 at maturity, notwithstanding any claims made during the benefit term
  • Enjoy an extra 5% No Claim Bonus of Total Premiums Paid2 if no claims are made during the benefit term
  • First-in-market scars due to accident cover5
  • Enjoy a 15% Family Premium Discount when you apply for this Plan with your spouse and/or children

Remarks:

1 Each product is subject to relevant policy provision. Hong Leong Insurance (Asia) Limited ("HLIA"), being a registered licensed insurance agency under the Insurance Authority of Hong Kong (Licensed Insurance Agency License No.: 32621), acts as an appointed licensed insurance agency for FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD Life”). The FWD Life insurance products are underwritten and provided by FWD Life and are distributed and arranged by HLIA.

2 Total Premiums Paid means sum of the premiums due and paid as at the relevant date (the two-months premium waiver is also counted as paid premiums (if any)). If you apply for the designated FWD Premium Refundable Plans for yourself, your spouse and/ or children at the same time, the policies of yours, your spouse and/or children are entitled the premium discount throughout the premium payment term, the Total Premiums Paid means sum of the actual premiums due and paid as at the relevant date.

3 If the Insured’s Confinement occurs in Mainland China, Daily Hospital Cash Benefit, Additional Accidental Daily Hospital Cash Benefit & Additional Accidental Daily Hospital Cash Benefit involving Public Transport will be limited to a maximum of 7 days per Confinement in Mainland China.

4 The Additional Accidental Daily Hospital Cash Benefit is in addition to other benefits payable under this Policy, and is payable only when the Daily Hospital Cash Benefit is paid or payable for that Confinement. Additional Accidental Daily Hospital Cash Benefit will be payable for each day during the period of the Insured’s Confinement as a result of an Accident, for a maximum of 90 days per Confinement.

5 Scar Due to Accident Benefit is first in market as per market study made on 28 February 2022 among the personal accident insurance plans of key insurers available in Hong Kong market.

Important Information
  1. Terms and conditions apply to the above insurance product information.
  2. The above insurance product information is for reference only and does not contain the full policy terms and conditions, benefits, key risk disclosures and exclusions of these insurance products. Customers should not purchase these insurance products solely on the basis of these promotional materials. Before proceeding, please confirm you understand this product fits your need(s).
  3. For the full terms and conditions and the full list of exclusions of these insurance products, please refer to the policy provisions of these insurance products. In the event of any ambiguity or inconsistency between the terms and conditions of these promotional materials and the policy provisions, the policy provisions shall prevail. In case you want to read the policy provisions before making an application, you can obtain a copy from FWD Life. The policy provisions of these insurance products are governed by the laws of Hong Kong.
Other information
  1. FWD Life is authorized by the Insurance Authority to carry out long term insurance business in Hong Kong. Hong Leong Insurance (Asia) Limited is an appointed insurance agency of FWD Life.
  2. The above information is for reference only. For the terms and conditions, please call Hong Leong Insurance Direct at 2961-2266 for details. Existing policyholders should refer to their own issued policy contract for protection coverage.