All FWD Insurance products are underwritten by FWD Life Insurance (Bermuda) Limited (“FWD Life”) which will provide the insurance coverage and process the claim in accordance with the policy provisions. If you want to read the Terms and Benefits of the Policy provisions before making an application, you can obtain a copy from FWD GI. Expenses incurred for traditional Chinese medicine treatment, including but not limited to herbal treatment, bone-setting, acupuncture, acupressure and tui na, and other forms of alternative treatment including but not limited to hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy and other similar treatments. For details of tax deduction arrangement, please refer to the website of Inland Revenue Department of Hong Kong (. We offer a wide range of insurance solutions from car, travel, maid and life with an instant online quote. FWD GI accepts full responsibility for the accuracy of the information contained in this product material. VChoice Voluntary Health Insurance Plan (the “Plan”) is a Standard Plan certified by the Government under the Voluntary Health Insurance Scheme (Certification No. For the avoidance of doubt, this Section 6 does not apply to –. - The details of doctors and clinics listed in this booklet are subject to change at any time without prior notice. This Plan is underwritten by FWD GI. Expenses incurred for the purchase of durable medical equipment or appliances including but not limited to wheelchairs, beds and furniture, airway pressure machines and masks, portable oxygen and oxygen therapy devices, dialysis machines, exercise equipment, spectacles, hearing aids, special braces, walking aids, over-the-counter drugs, air purifiers or conditioners and heat appliances for home use. Bupa is a leading Hong Kong medical insurance company, and No.1 UK Health Insurance company. © Copyright 2017 FWD Macau. Compare FWD Home Insurance in Hong Kong 2021. Our comprehensive medical plans allow you or your family members to focus on getting well, safe in the knowledge that your plan will help shoulder the burden of those costly expenses. Expenses incurred for treatment for Disability arising from war (declared or undeclared), civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection, or military or usurped power. FWD General Insurance Company Limited ("FWD GI") has registered as a Voluntary Health Insurance Scheme Provider. A range of hospitalization and surgical benefits can be reimbursed under VChoice without any lifetime limit. General Counsel, FWD Hong Kong & Macau Hong Kong 500+ connections. Irrespective of whether it is known or unknown to the Policy Holder or the Insured Person at the time of submission of Application, including any updates of and changes to such requisite information (if so requested by FWD GI under Section 8 of Part 1) such Disability shall be generally excluded from any coverage of these Terms and Benefits if it exists before the Policy Effective Date. Effective from 1 January 2018, all Policy Holders are required to pay a levy on each premium payment made for both new and in-force Hong Kong policies to the Insurance Authority. FWD GI has ceased to have the requisite authorisation under the Insurance Ordinance to write or continue to write the Policy; FWD GI – Customers can make enquiries and lodge complaints with us in writing or via FWD GI Service Hotline, FWD Financial – Customers can make enquiries and lodge complaints with us via email at. Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy. Free Special Benefit Against Vaccination Complications All selling and application procedures of the promotion must be conducted and completed in Hong Kong. All FWD Insurance products are underwritten by FWD Life Insurance (Bermuda) Limited (“FWD Life”) which will provide the insurance coverage and process the claim in accordance with the policy provisions. 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, Registration Effective Date: 28 February 2019, (j) Prescribed Non-surgical Cancer Treatments, (k) Pre- and post-Confinement/Day Case Procedure outpatient care, Annual Benefit Limit for benefit items (a) – (l), Lifetime Benefit Limit for benefit items (a) – (l), If you would like to migrate existing medical insurance policies to VChoice Voluntary Health Insurance Plan or have any enquiry about the migration arrangements, please contact FWD GI Service Hotline at. From health to accident and disability cover, our policies are designed with one thing in mind – to enable you to live your life to the full, without hesitation. Live your life to the fullest, even if a critical illness happens to strike. Expenses incurred for treatments, procedures, medications, tests or services which are not Medically Necessary. The Policy shall be automatically terminated on the earliest of the followings –, FWD GI should not refuse any application by the Policy Holders for the transfer of ownership to –. written referral or testifying statement on the claim form by the attending doctor or Registered Medical Practitioner. The Policy provisions of VChoice are governed by the laws of Hong Kong. Expenses incurred for Medical Services provided as a result of Congenital Condition(s) which have manifested or been diagnosed before the Insured Person attained the Age of eight (8) years. In case you are unfortunately diagnosed with a cancer, no matter it is surgical or non-surgical, this plan does cover the treatment needed. Expenses incurred for prophylactic treatment or preventive care, including but not limited to general check-ups, routine tests, screening procedures for asymptomatic conditions, screening or surveillance procedures based on the health history of the Insured Person and/or his family members, Hair Mineral Analysis (HMA), immunisation or health supplements. FWD Group (“FWD”) today gave its full support to the Insurance (Amendment) (No.2) Bill 2020 (The Bill), which was published on 20 March 2020. FWD GI and its intermediaries do not provide tax advice and you should consult your own tax advisor for any tax advice. VChoice provides you with an annual limit of HK$420,000 to reimburse your expense on hospitalization and surgical benefits. Check out our latest promotion and request a quote now! To ensure peace of mind, the Government-certified VChoice Voluntary Health Insurance (“VChoice”) provides you comprehensive reimbursement coverage on hospitalization and surgical care. FWD is a Hong Kong based insurance provider for travel, home, working holiday insurance with support, strong international ratings, rewards & benefits. Medical Stay on a healthy track with our support by choosing one of our Medical insurance packages, which provide you with tailor-made coverage from simple tests to life-changing surgery to best suit your needs. Drop us an email at, For frequently asked questions related to the VChoice Voluntary Health Insurance Plan, please click. All rights reserved. where the Policy is terminated due to non-payment of premiums after the grace period as specified in the Policy provision; the day immediately following the death of the Insured Person; or. treatments, monitoring, investigation or procedures with the purpose of avoiding complications arising from any other Medical Services provided; treatment for prevention of recurrence or complication of a previous Disability. Eligible Expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above. FWD GI reserves the right to accept or decline any application and can decline your application by giving notification and explanation of application result. Fitch Ratings - Hong Kong - 05 Feb 2021: Fitch Ratings has affirmed the Insurer Financial Strength (IFS) Ratings of Hong Kong-based FWD Life Insurance Company (Bermuda) Limited (FWD Life HK) at 'A' (Strong) and the Long-Term Issuer Default Rating (IDR) of parent, FWD Limited, at 'BBB+'. FWD GI relies upon the information provided by the applicant and the insured in the insurance application. Expenses incurred for Medical Services as a result of Disability arising from or consequential upon the dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents, self-inflicted injuries or attempted suicide, illegal activity, or venereal and sexually transmitted disease or its sequelae (except for HIV and its related Disability, where Section 3 of this Part 7 applies). By continuing to browse this site, you give consent for cookies to be used. Personal Data Protection Policy and Practices  |. FWD GI reserves the right to revise, modify or adjust the benefits payable under the Policy as certified by the Hong Kong Special Administrative Region Government (“Government”) and/or premium rates at each Policy Renewal. A Health & Accident plan from FWD can help you concentrate on getting well and live life the way you want, without worrying too much about possible financial pressure. VChoice Voluntary Health Insurance Plan (the “Plan”) is a Standard Plan certified by the Government under the Voluntary Health Insurance Scheme (Certification No. Have questions or comments for us? Please read our Important Notice to find out more. As a Hong Kong taxpayer, you can claim annual tax deduction up to HK$8,000 per Insured Person from the premium paid for yourself and your specified relatives (irrespective of number). Expenses incurred for Medical Services and counselling services relating to maternity conditions and its complications, including but not limited to diagnostic tests for pregnancy or resulting childbirth, abortion or miscarriage; birth control or reversal of birth control; sterilisation or sex reassignment of either sex; infertility including in-vitro fertilisation or any other artificial method of inducing pregnancy; or sexual dysfunction including but not limited to impotence, erectile dysfunction or pre-mature ejaculation, regardless of cause. Attention: - Eligibility of services is subject to the medical plan. This product material should read along with the Terms and Benefits and other relevant marketing materials. Pre-existing conditions unknown to applicants are commonly excluded from benefit coverage. All selling and application procedures of VChoice must be conducted and completed in Hong Kong. Yet unexpected medical costs can distract your focus and hinder progress. FWD shines at Hong Kong Insurance Awards 2019 Ceremony winning five awards in four customer experience categories. FRAUD ALERT: Beware of fraudulent websites and illegal use of FWD logo. FWD Life is authorized and regulated by the Hong Kong Insurance Authority to carry out life insurance business in Hong Kong. Renewal premiums are not guaranteed and the premiums for each renewal are determined based on the Age and the premium table applicable upon renewal. 41) (IO) to enhance the regulatory framework for the regulation and supervision of insurance groups where a holding company for the group is incorporated in Hong Kong. There is no cap on the number of specified relatives that are eligible for tax deduction. Our life insurance plans are tailored to meet your needs. FWD's International Health Insurance plans are some of the most affordable international plans available to Singaporeans and Expats. 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. For more details please read our Cookie Policy. Paul Tse, Chief Marketing Officer, FWD Hong Kong and Macau (left) represents the company to receive the Most Innovative Product/Service Life Insurance (Health Protection) category for its Mind+ Critical Illness Protection Plan. © 2021 FWD Hong Kong. Protect your income from any unexpected financial burden. : S00012-01-000-01). The Bill seeks to amend the Insurance Ordinance (Cap. FWD General Insurance Company Limited ("FWD GI") has registered as a Voluntary Health Insurance Scheme Provider. 1,994 were here. All underwriting and claims decisions are made by FWD GI. All you need to do is call the 24-hour emergency assistance hotline to enjoy round-the-clock worldwide support and assistance. Please click here for details of this Special Benefit. 富衛香港主要業務 FWD Hong Kong Business Operations - 保險 Insurance - 退休保障 Pensions - 財務策劃 … Guaranteed yearly renewal is subject to the continual availability of the Plan offered by FWD GI, terms and conditions applicable including but not limited to Termination Provisions, benefits, and premium rates at the time of renewal. This product material is intended to be distributed in the Hong Kong Special Administrative Region (“Hong Kong”) only and shall not be construed as an offer to sell, a solicitation to buy or the provision of any insurance products of FWD GI outside Hong Kong. beautification or cosmetic purposes, unless necessitated by Injury caused by an Accident and the Insured Person receives the Medical Services within ninety (90) days of the Accident; or. Except for the psychiatric treatments as stated in benefit item (l), of the Benefit Schedule, all benefits described in the benefit items shall be applicable worldwide. : S00012-01-000-01). When you or a loved one needs medical treatment, hospital bills are the last thing you want to be burdened with. For the avoidance of doubt, this exclusion shall not apply to rental of medical equipment or appliances during Confinement or on the day of the Day Case Procedure. The future always seems a long way off, but the sooner you start planning for it the better the return when it does come around. Follow-up dental treatment or oral surgery after discharge from Hospital shall not be covered. FWD Hong Kong has developed a simple, quick and easy claims process for you, including medical, accident & disability, death and general insurance claims. (Free service other than the Certified Plan), VChoice is eligible for tax deduction by you (Hong Kong taxpayer). While the Policy is in force, you may terminate the Policy by sending a written request to FWD GI. The percentage here applies to the Surgeon’s fee actually payable or the benefit limit for the Surgeon’s fee according to the surgical categorisation, whichever is the lower. Eligible Expenses which have been reimbursed under any law, or medical program or insurance policy provided by any government, company or other third party. But as he’s quickly discovering, parenthood brings with it new responsibilities. Expenses incurred for dental treatment and oral and maxillofacial procedures performed by a dentist except for Emergency Treatment and surgery during Confinement arising from an Accident. For further information on levy, please visit, Personal Data Protection Policy and Practices, 1) under the Age of 18 (attained Age); or, 1 prior outpatient visit or Emergency consultation per Confinement / Day Case Procedure, 3 follow-up outpatient visits per Confinement / Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure). *Please call our Service Hotline for Claim Form Part II: (852) 8102 1332 (FWD Life (Hong Kong) Limited) or (852) 2199 1000 (FWD Life Assurance Company (Hong Kong) Limited). Expenses incurred for the whole or part of the Confinement solely for the purpose of diagnostic procedures or allied health services, including but not limited to physiotherapy, occupational therapy and speech therapy, unless such procedure or service is recommended by a Registered Medical Practitioner for Medically Necessary investigation or treatment of a Disability which cannot be effectively performed in a setting for providing Medical Services to a Day Patient.

Daily Express Urdu, Upj Fall 2020 Schedule, Non Alcoholic Perfumes Dubai, Viewpoint Spectrum Training, Dan Williams Rock 102, Blue Lake Volcano,