Business Protection
About Us Contact Us
Healthy Plus Refundable Hospital Income Plan
Healthy Plus Refundable Hospital Income Plan

Need financial support when unexpected hospitalization caused by sickness or injury occurs?

Healthy Plus Refundable Hospital Income Plan provides you with various daily hospital cash benefits when the Policy is in force and the Insured is alive, regardless of the actual hospital expenses, for 20-year benefit term with 10-year premium payment term only. Further, the Plan offers 108% of Total Premiums Paid at maturity notwithstanding any claims made during the benefit term.

3 Reasons to Buy

Application is simple and medical checkup is generally not required.

Daily Hospital Cash Benefit

Choose from ten plan levels (daily hospital cash 2,3 of up to HK$2,000) to help reduce your financial burden.

Total premium refund 

Get 108% of the Total Premium Paid1 at the end of your benefit term, regardless of whether you have made any claim or not.

But wait, there’s more:

01

CANcierge9 and International SOS 24-hour Worldwide Assistance Services10

Besides, whenever you need information or assistance, CANcierge9 and International SOS 24-hour Worldwide Assistance Services10 are always here to help.

1
02

Professional Medical Services and Services Program

If Plans A-E is selected7, 12-month Out-patient Medical Service8 is available for the designated 12-month period.

2
03

Life Protection 

 The Plan offers a life protection of an amount equivalent to the sum of 10 times of Daily Hospital Cash Benefit and 100% of Total Premiums Paid 1 to ease the Insured’s family needs in the unfortunate event of death of the Insured. There will be an additional Accidental Death Benefit of an amount equivalent to 100 times of Daily Hospital Cash Benefit if the death of the Insured is caused by an Accident.

3
04

Additional Infectious Diseases Daily Hospital Cash Benefit6

If the Insured is in a Confinement due to any Covered Infectious Disease, an Additional Infectious Diseases Daily Hospital Cash Benefit will be payable up to 30 days under this Policy.

4
05

Additional Accidental Daily Hospital Cash Benefit involving Public Transport3,5

If the Insured is confined at a Hospital as a result of an Accident involving public transport, an Additional Accidental Daily Hospital Cash Benefit involving Public Transport will be payable up to 365 days under this Policy.

5
06

Additional Accidental Daily Hospital Cash Benefit3,4

If the Insured is confined at a Hospital as a result of an Accident, an Additional Accidental Daily Hospital Cash Benefit will be payable up to 90 days per Confinement.

6
  1. Total Premiums Paid means the sum of the premiums due and paid as at the relevant date. 
  2. Daily Hospital Cash Benefit will be payable for each day of the Insured’s Confinement as a result of Disability, for a maximum cumulative of 1,000 days under this Policy. Benefit payable is limited to a maximum of 3 times of Confinements per Policy Year after the Insured’s age next birthday reaches 56. If the maximum coverage of Daily Hospital Cash Benefit under this Policy is reached, the Additional Accidental Daily Hospital Cash Benefit, Additional Accidental Daily Hospital Cash Benefit involving Public Transport and Additional Infectious Diseases Daily Hospital Cash Benefit will not be paid. 
  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. The Additional Accidental Daily Hospital Cash Benefit involving Public Transport is in addition to other benefits payable under this Policy, and is payable only when the Daily Hospital Cash Benefit and Additional Accidental Daily Hospital Cash Benefit are paid or payable for that Confinement. Additional Accidental Daily Hospital Cash Benefit involving Public Transport will be payable for a maximum cumulative of 365 days under this Policy. The Additional Accidental Daily Hospital Cash Benefit involving Public Transport would be payable if the Insured’s Confinement is a result of an Accident suffered (a) while riding as a passenger on a public transport, or (b) in an accident directly caused by a public transport, provided that at the time of the Accident the Insured is not (i) the driver of any vehicle, (ii) navigating any vessel, (iii) piloting any aircraft, and/or (iv) working in the course of employment on board any vehicle, vessel or aircraft. 
  6. The Additional Infectious Diseases 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 Infectious Diseases Daily Hospital Cash Benefit will be payable for each day of the Insured’s Confinement as a result of Covered Infectious Disease(s), for a maximum cumulative of 30 days under this Policy and it is not applicable to Confinement in Mainland China. Covered Infectious Diseases include: 
    (1) Acute poliomyelitis 
    (2) Amoebic dysentery
    (3) Anthrax
    (4) Avian Influenza*
    (5) Chickenpox
    (6) Cholera
    (7) Creutzfeldt-Jakob disease
    (8) Dengue fever
    (9) Diphtheria
    (10) Hand, Foot and Mouth disease
    (11) Japanese encephalitis
    (12) Legionnaires' disease
    (13) Leprosy
    (14) Malaria
    (15) Measles
    (16) Plague
    (17) Rabies
    (18) Scarlet fever
    (19) Severe Acute Respiratory Syndrome**
    (20) Tetanus
    (21) Tuberculosis
    (22) Yellow fever
    *A viral disease in humans caused by Influenza A virus (strains H5N1 or H7N3 or H7N7 or H7N9 or H9N2 or other strains which are defined by World Health Organization) which are also adapted to and are proved to be originating from birds. Infections caused by any other type of Influenza virus strain will not be covered. **A viral respiratory disease in humans which is caused by SARS coronavirus (SARS-CoV). Other respiratory diseases or other forms of the coronavirus (including SARS-CoV-2 causing COVID-19) are not covered.
  7. For Plan A-E, please refer to product brochure for more details. 
  8. The 12-month Out-patient Medical Service is currently provided by Quality HealthCare Medical Services Limited (“QHMS”) and the professionals from QHMS are independent healthcare professionals and not FWD employees nor representatives. The service will be provided within the 12-month period set out in the welcome letter of the service, while the Plan is in force, and it will be offered once only throughout the entire benefit term of the Plan. The currency of the coverage and co-payment of the services will be in HKD regardless of the currency of the Plan. FWD reserves the right to change the service provider and its scope of service in its sole discretion without further notice. FWD shall not be liable for any matters in respect of any services provided by QHMS including but not limited to their actions, negligence or omission of medical services or treatments, the quality and/or appropriateness and/or suitability of the medical prescriptions, supplies, procedures, treatments, facilities and services as suggested, recommended or offered by QHMS. The terms and conditions of this service are listed below:
    a. The service is provided in Hong Kong only and is non-transferrable and only applicable to the Insured whose life is insured under the Plan.
    b. The Insured is required to present his/her medical card and identification document (HKID/ Passport/ Birth Certificate for child age 11 or below) at the network clinic before receiving any treatments.
    c. For scope of service under physiotherapy and bone-setting, covered treatments will only be provided only if the Insured sustains an Injury due to an Accident which occurs when the Plan is in inforce and the date of the first treatment consultation falls within 60 days from the date of occurrence of such Accident.
    d. A referral letter which is issued by a registered western medical practitioner in the Hong Kong Special Administrative Region is required for physiotherapy treatment and specialist consultation for the first visit and the referral letter will be valid for 60 days from the date of issuance. e. For any disputes regarding this service, all decisions made by FWD and/or QHMS shall be final and conclusive. 
  9. CANcierge is currently provided by HealthMutual Group Limited (“HMG”) and its healthcare network team, and is not a part of the Policy or benefit item under the policy provisions. FWD reserves the right to change the service provider, terminate or vary CANcierge in its sole discretion without further notice. FWD will not be responsible for any act, negligence or failure to act on the part of HMG and its healthcare network team. For details, please refer to the brochure of CANcierge. 
  10. The services are currently provided by International SOS Assistance (HK) Ltd (“International SOS”) and are not guaranteed renewable. FWD shall not be responsible for any act or failure to act on the part of International SOS and the professionals. Details of the services or service provider may be revised from time to time without prior notice from FWD.
  • The insurance plan is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD Life”). 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 Life. 
  • The information is for reference only. Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD Life 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 Life, and HKTIA will receive commission from FWD Life for acting as an appointed licensed insurance agent for FWD Life. 
  • 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 Life 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 Life 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 Life and not of HKTIA. 
  • Any dispute over the contractual terms of insurance products should be resolved directly between you and FWD Life. 
  • All insurance applications are subject to FWD Life’s underwriting and acceptance. 
  • FWD Life’s 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.

Learn More