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Household
Home is where the heart is — which is why it’s important to protect that which is dear to you. A full range of protection plans are available for your home, your domestic helpers and your pets.
Household
Home is where the heart is — which is why it’s important to protect that which is dear to you. A full range of protection plans are available for your home, your domestic helpers and your pets.
  • Enjoy protection for your electronic gadget 
  • Up to an aggregate limit of HK$ 5,000 and up to 3 gadgets within the period of insurance. Each gadget is limited up to HK$ 2,000 
  • No gadget registration required at the time of application
Important Notes
x
Important Notes
  • "Communicable Disease Exclusion" is applicable to policy commenced on/after 1 January 2021 and please refer to the policy provision for details.
  • The insurance plan is underwritten by FWD General Insurance Company (“FWD GI”). HKT Care website at www.hktcare.com is operated by HKT Financial Services (IA) Limited (“HKTIA”). HKTIA (Licensed Insurance Agency License No.: FA2474), being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency, acts as an appointed licensed insurance agent for FWD GI. 
  • The information is for reference only. Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD GI and Personal Information Collection Statement of HKTIA before purchasing the insurance product. For enquiries relating to the insurance product, please contact HKT Care Customer Service Hotline at 8209 0098.
  • The premiums of the insurance product will be payable to FWD GI, and HKTIA will receive commission from FWD GI for acting as an appointed licensed insurance agent for FWD GI. 
  • The insurance product is intended to be offered in Hong Kong only. The display of information of the insurance product on this website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any insurance products by FWD GI or HKTIA outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong. 
  • Under the Insurance Ordinance (Cap. 41),the IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to the IA’s official website at ia.org.hk/en/levy
  • HKTIA 's role is limited to distributing insurance products of FWD GI only and HKTIA shall not be responsible for any matters in relation to the provision of the products. 
  • Insurance products are products and obligations of FWD GI and not of HKTIA. 
  • Any dispute over the contractual terms of insurance products should be resolved directly between you and FWD GI. • All insurance applications are subject to FWD GI’s underwriting and acceptance. 
  • FWD GI is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products. 
  • HKTIA will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances. 
  • You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
  • Household contents cover up to HK$500,000 
  • Alternative accommodation reimbursed up to HK$1,000 per day 
  • Personal liability cover up to HK$5 million
Important Notes
x
Important Notes
  • "Communicable Disease Exclusion" is applicable to policy commenced on/after 1 January 2021 and please refer to the policy provision for details.
  • FWD General Insurance Company Limited (“FWD GI”) is authorized by the Insurance Authority of Hong Kong (“IA”) to carry on insurance business in Hong Kong. 
  • The insurance plan is underwritten by FWD GI. The HKT Care website www.hktcare.com is operated by HKT Financial Services (IA) Limited (“HKTIA”) and HKTIA is the authorized insurance agency of FWD GI. HKTIA (Licensed Insurance Agency License No.: FA2474) is a licensed insurance agency in Hong Kong and regulated by the Insurance Authority of Hong Kong.
  • The information is for reference only. Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD GI and Personal Information Collection Statement of HKTIA before purchasing the insurance product. For enquiries relating to the insurance product, please contact HKT Care Customer Service Hotline at 8209 0098. 
  • The premiums of the insurance product will be payable to FWD GI, and HKTIA will receive commission from FWD GI for acting as insurance agency of FWD GI. 
  • The insurance product is intended to be offered in Hong Kong only. It shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any insurance products of FWD GI outside Hong Kong. 
  • Under the Insurance Ordinance (Cap. 41), IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to IA’s official website at ia.org.hk/en/levy.
  • Employer’s legal liability covered up to HK$100 million 
  • Multiple cover for the helper, including dental, surgical and repatriation expenses
  • 1 & 2-Year policies are available to provide flexibility on the policy duration according to the terms of the employment contract
Important Notes
x
Important Notes
  • "COVID-19/Pandemic Exclusion" is applicable to policy commenced on/after 1 January 2021, please refer to the policy provision for details.
  • The insurance plan is underwritten by FWD General Insurance Company (“FWD GI”). HKT Care website at www.hktcare.com is operated by HKT Financial Services (IA) Limited (“HKTIA”). HKTIA (Licensed Insurance Agency License No.: FA2474), being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency, acts as an appointed licensed insurance agent for FWD GI. 
  • The information is for reference only. Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD GI and Personal Information Collection Statement of HKTIA before purchasing the insurance product. For enquiries relating to the insurance product, please contact HKT Care Customer Service Hotline at 8209 0098.
  • The premiums of the insurance product will be payable to FWD GI, and HKTIA will receive commission from FWD GI for acting as an appointed licensed insurance agent for FWD GI. 
  • The insurance product is intended to be offered in Hong Kong only. The display of information of the insurance product on this website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any insurance products by FWD GI or HKTIA outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong. 
  • Under the Insurance Ordinance (Cap. 41),the IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to the IA’s official website at ia.org.hk/en/levy
  • HKTIA 's role is limited to distributing insurance products of FWD GI only and HKTIA shall not be responsible for any matters in relation to the provision of the products. 
  • Insurance products are products and obligations of FWD GI and not of HKTIA. 
  • Any dispute over the contractual terms of insurance products should be resolved directly between you and FWD GI. • All insurance applications are subject to FWD GI’s underwriting and acceptance. 
  • FWD GI is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products. 
  • HKTIA will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances. 
  • You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
  • Coverage for a variety of veterinary services 
  • Third party liability caused by your pet is covered 
  •  In case of missing pet, advertising costs are covered with Plan 2 or 3
Important Notes
x
Important Notes
  • "Communicable Disease Exclusion" is applicable to policy commenced on/after 1 January 2021 and please refer to the policy provision for details.
  • The insurance plan is underwritten by FWD General Insurance Company (“FWD GI”). HKT Care website at www.hktcare.com is operated by HKT Financial Services (IA) Limited (“HKTIA”). HKTIA (Licensed Insurance Agency License No.: FA2474), being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency, acts as an appointed licensed insurance agent for FWD GI. 
  • The information is for reference only. Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD GI and Personal Information Collection Statement of HKTIA before purchasing the insurance product. For enquiries relating to the insurance product, please contact HKT Care Customer Service Hotline at 8209 0098.
  • The premiums of the insurance product will be payable to FWD GI, and HKTIA will receive commission from FWD GI for acting as an appointed licensed insurance agent for FWD GI. 
  • The insurance product is intended to be offered in Hong Kong only. The display of information of the insurance product on this website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any insurance products by FWD GI or HKTIA outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong. 
  • Under the Insurance Ordinance (Cap. 41),the IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to the IA’s official website at ia.org.hk/en/levy
  • HKTIA 's role is limited to distributing insurance products of FWD GI only and HKTIA shall not be responsible for any matters in relation to the provision of the products. 
  • Insurance products are products and obligations of FWD GI and not of HKTIA. 
  • Any dispute over the contractual terms of insurance products should be resolved directly between you and FWD GI. • All insurance applications are subject to FWD GI’s underwriting and acceptance. 
  • FWD GI is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products. 
  • HKTIA will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances. 
  • You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
  • Personal legal liability protection up to HK$5 million 
  • Worldwide coverage for trips within 90 consecutive days 
  • Protects you and every family member living with you under the same roof
Important Notes
x
Important Notes
  • "Communicable Disease Exclusion" is applicable to policy commenced on/after 1 January 2021 and please refer to the policy provision for details.
  • The insurance plan is underwritten by FWD General Insurance Company (“FWD GI”). HKT Care website at www.hktcare.com is operated by HKT Financial Services (IA) Limited (“HKTIA”). HKTIA (Licensed Insurance Agency License No.: FA2474), being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency, acts as an appointed licensed insurance agent for FWD GI. 
  • The information is for reference only. Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD GI and Personal Information Collection Statement of HKTIA before purchasing the insurance product. For enquiries relating to the insurance product, please contact HKT Care Customer Service Hotline at 8209 0098.
  • The premiums of the insurance product will be payable to FWD GI, and HKTIA will receive commission from FWD GI for acting as an appointed licensed insurance agent for FWD GI. 
  • The insurance product is intended to be offered in Hong Kong only. The display of information of the insurance product on this website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any insurance products by FWD GI or HKTIA outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong. 
  • Under the Insurance Ordinance (Cap. 41),the IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to the IA’s official website at ia.org.hk/en/levy
  • HKTIA 's role is limited to distributing insurance products of FWD GI only and HKTIA shall not be responsible for any matters in relation to the provision of the products. 
  • Insurance products are products and obligations of FWD GI and not of HKTIA. 
  • Any dispute over the contractual terms of insurance products should be resolved directly between you and FWD GI. • All insurance applications are subject to FWD GI’s underwriting and acceptance. 
  • FWD GI is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products. 
  • HKTIA will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances. 
  • You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
  • Household contents cover up to HK$1 million 
  • Personal liability cover up to HK$5 million 
  • Tenants are protected against damage to landlord’s structural fixtures
Important Notes
x
Important Notes
  • "Communicable Disease Exclusion" is applicable to policy commenced on/after 1 January 2021 and please refer to the policy provision for details.
  • The insurance plan is underwritten by FWD General Insurance Company (“FWD GI”). HKT Care website at www.hktcare.com is operated by HKT Financial Services (IA) Limited (“HKTIA”). HKTIA (Licensed Insurance Agency License No.: FA2474), being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency, acts as an appointed licensed insurance agent for FWD GI. 
  • The information is for reference only. Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD GI and Personal Information Collection Statement of HKTIA before purchasing the insurance product. For enquiries relating to the insurance product, please contact HKT Care Customer Service Hotline at 8209 0098.
  • The premiums of the insurance product will be payable to FWD GI, and HKTIA will receive commission from FWD GI for acting as an appointed licensed insurance agent for FWD GI. 
  • The insurance product is intended to be offered in Hong Kong only. The display of information of the insurance product on this website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any insurance products by FWD GI or HKTIA outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong. 
  • Under the Insurance Ordinance (Cap. 41),the IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to the IA’s official website at ia.org.hk/en/levy
  • HKTIA 's role is limited to distributing insurance products of FWD GI only and HKTIA shall not be responsible for any matters in relation to the provision of the products. 
  • Insurance products are products and obligations of FWD GI and not of HKTIA. 
  • Any dispute over the contractual terms of insurance products should be resolved directly between you and FWD GI. • All insurance applications are subject to FWD GI’s underwriting and acceptance. 
  • FWD GI is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products. 
  • HKTIA will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances. 
  • You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
  • Rent Protection 
  • Legal Cost and Expenses
  • Owner’s Liability
Important Notes
x
Important Notes
  • "Communicable Disease Exclusion" is applicable to policy commenced on/after 1 January 2021 and please refer to the policy provision for details.
  • The insurance plan is underwritten by FWD General Insurance Company (“FWD GI”). HKT Care website at www.hktcare.com is operated by HKT Financial Services (IA) Limited (“HKTIA”). HKTIA (Licensed Insurance Agency License No.: FA2474), being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency, acts as an appointed licensed insurance agent for FWD GI. 
  • The information is for reference only. Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD GI and Personal Information Collection Statement of HKTIA before purchasing the insurance product. For enquiries relating to the insurance product, please contact HKT Care Customer Service Hotline at 8209 0098.
  • The premiums of the insurance product will be payable to FWD GI, and HKTIA will receive commission from FWD GI for acting as an appointed licensed insurance agent for FWD GI. 
  • The insurance product is intended to be offered in Hong Kong only. The display of information of the insurance product on this website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any insurance products by FWD GI or HKTIA outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong. 
  • Under the Insurance Ordinance (Cap. 41),the IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to the IA’s official website at ia.org.hk/en/levy
  • HKTIA 's role is limited to distributing insurance products of FWD GI only and HKTIA shall not be responsible for any matters in relation to the provision of the products. 
  • Insurance products are products and obligations of FWD GI and not of HKTIA. 
  • Any dispute over the contractual terms of insurance products should be resolved directly between you and FWD GI. • All insurance applications are subject to FWD GI’s underwriting and acceptance. 
  • FWD GI is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products. 
  • HKTIA will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances. 
  • You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
  • Extensive cover for a wide array of calamities 
  • Man-made events and accidents are also covered 
  • Add-ons available for more comprehensive coverage
Important Notes
x
Important Notes
  • "Communicable Disease Exclusion" is applicable to policy commenced on/after 1 January 2021 and please refer to the policy provision for details.
  • The insurance plan is underwritten by FWD General Insurance Company (“FWD GI”). HKT Care website at www.hktcare.com is operated by HKT Financial Services (IA) Limited (“HKTIA”). HKTIA (Licensed Insurance Agency License No.: FA2474), being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency, acts as an appointed licensed insurance agent for FWD GI. 
  • The information is for reference only. Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD GI and Personal Information Collection Statement of HKTIA before purchasing the insurance product. For enquiries relating to the insurance product, please contact HKT Care Customer Service Hotline at 8209 0098.
  • The premiums of the insurance product will be payable to FWD GI, and HKTIA will receive commission from FWD GI for acting as an appointed licensed insurance agent for FWD GI. 
  • The insurance product is intended to be offered in Hong Kong only. The display of information of the insurance product on this website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any insurance products by FWD GI or HKTIA outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong. 
  • Under the Insurance Ordinance (Cap. 41),the IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to the IA’s official website at ia.org.hk/en/levy
  • HKTIA 's role is limited to distributing insurance products of FWD GI only and HKTIA shall not be responsible for any matters in relation to the provision of the products. 
  • Insurance products are products and obligations of FWD GI and not of HKTIA. 
  • Any dispute over the contractual terms of insurance products should be resolved directly between you and FWD GI. • All insurance applications are subject to FWD GI’s underwriting and acceptance. 
  • FWD GI is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products. 
  • HKTIA will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances. 
  • You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
  • Protect you and your part-time local domestic helper for around HK$1 a day 
  • No need to provide the helper’s HKID no. during sign up 
  • Seamless coverage even with change of your helper
Important Notes
x
Important Notes
  • The insurance plan is underwritten by FWD General Insurance Company (“FWD GI”). HKT Care website at www.hktcare.com is operated by HKT Financial Services (IA) Limited (“HKTIA”). HKTIA (Licensed Insurance Agency License No.: FA2474), being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency, acts as an appointed licensed insurance agent for FWD GI. 
  • The information is for reference only. Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD GI and Personal Information Collection Statement of HKTIA before purchasing the insurance product. For enquiries relating to the insurance product, please contact HKT Care Customer Service Hotline at 8209 0098.
  • The premiums of the insurance product will be payable to FWD GI, and HKTIA will receive commission from FWD GI for acting as an appointed licensed insurance agent for FWD GI. 
  • The insurance product is intended to be offered in Hong Kong only. The display of information of the insurance product on this website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any insurance products by FWD GI or HKTIA outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong. 
  • Under the Insurance Ordinance (Cap. 41),the IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to the IA’s official website at ia.org.hk/en/levy
  • HKTIA 's role is limited to distributing insurance products of FWD GI only and HKTIA shall not be responsible for any matters in relation to the provision of the products. 
  • Insurance products are products and obligations of FWD GI and not of HKTIA. 
  • Any dispute over the contractual terms of insurance products should be resolved directly between you and FWD GI. • All insurance applications are subject to FWD GI’s underwriting and acceptance. 
  • FWD GI is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products. 
  • HKTIA will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances. 
  • You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
  • Cover for internal and external components of home 
  • Legal liability covered for accidental injury to a third party during construction
  • Property protection during construction
Important Notes
x
Important Notes
  • "Communicable Disease Exclusion" is applicable to policy commenced on/after 1 January 2021 and please refer to the policy provision for details.
  • The insurance plan is underwritten by FWD General Insurance Company (“FWD GI”). HKT Care website at www.hktcare.com is operated by HKT Financial Services (IA) Limited (“HKTIA”). HKTIA (Licensed Insurance Agency License No.: FA2474), being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency, acts as an appointed licensed insurance agent for FWD GI. 
  • The information is for reference only. Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD GI and Personal Information Collection Statement of HKTIA before purchasing the insurance product. For enquiries relating to the insurance product, please contact HKT Care Customer Service Hotline at 8209 0098.
  • The premiums of the insurance product will be payable to FWD GI, and HKTIA will receive commission from FWD GI for acting as an appointed licensed insurance agent for FWD GI. 
  • The insurance product is intended to be offered in Hong Kong only. The display of information of the insurance product on this website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any insurance products by FWD GI or HKTIA outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong. 
  • Under the Insurance Ordinance (Cap. 41),the IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to the IA’s official website at ia.org.hk/en/levy
  • HKTIA 's role is limited to distributing insurance products of FWD GI only and HKTIA shall not be responsible for any matters in relation to the provision of the products. 
  • Insurance products are products and obligations of FWD GI and not of HKTIA. 
  • Any dispute over the contractual terms of insurance products should be resolved directly between you and FWD GI. • All insurance applications are subject to FWD GI’s underwriting and acceptance. 
  • FWD GI is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products. 
  • HKTIA will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances. 
  • You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
  • Various covers for all modes of transport of property 
  • All-round protection for your property with basic plan 
  • Add on “All Risks” clause for a wider range of protection
Important Notes
x
Important Notes
  • "Communicable Disease Exclusion" is applicable to policy commenced on/after 1 January 2021 and please refer to the policy provision for details.
  • The insurance plan is underwritten by FWD General Insurance Company (“FWD GI”). HKT Care website at www.hktcare.com is operated by HKT Financial Services (IA) Limited (“HKTIA”). HKTIA (Licensed Insurance Agency License No.: FA2474), being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency, acts as an appointed licensed insurance agent for FWD GI. 
  • The information is for reference only. Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD GI and Personal Information Collection Statement of HKTIA before purchasing the insurance product. For enquiries relating to the insurance product, please contact HKT Care Customer Service Hotline at 8209 0098.
  • The premiums of the insurance product will be payable to FWD GI, and HKTIA will receive commission from FWD GI for acting as an appointed licensed insurance agent for FWD GI. 
  • The insurance product is intended to be offered in Hong Kong only. The display of information of the insurance product on this website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any insurance products by FWD GI or HKTIA outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong. 
  • Under the Insurance Ordinance (Cap. 41),the IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to the IA’s official website at ia.org.hk/en/levy
  • HKTIA 's role is limited to distributing insurance products of FWD GI only and HKTIA shall not be responsible for any matters in relation to the provision of the products. 
  • Insurance products are products and obligations of FWD GI and not of HKTIA. 
  • Any dispute over the contractual terms of insurance products should be resolved directly between you and FWD GI. • All insurance applications are subject to FWD GI’s underwriting and acceptance. 
  • FWD GI is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products. 
  • HKTIA will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances. 
  • You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.