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EasyHealth Refundable Hospital Income Plan
EasyHealth Refundable Hospital Income Plan
10 years’ premium for 15 years’ coverage
Refund premium after 15 years
regardless of claims
EasyHealth Refundable Hospital Income Plan provides you with Daily Hospital Cash Benefit, regardless of the actual hospital expenses, for 15 years with 10 years of payment only. In addition, you will enjoy a refund of 102% of the actual total premium paid at maturity (i.e. end of the 15th policy year) regardless of any claims made during the protection period. Even if you surrender the policy before the maturity, starting from the 6th policy year you can get back a percentage of actual premium paid.
Benefit Highlights
Cash Benefit
You will receive a cash benefit from HK$300 to HK$1,200 per day (depending on your selected plan) when hospitalized for more than 6 consecutive hours. You have the flexibility to use the money to suit your needs, such as paying for your medical or non-medical expenses or protecting against any loss of income.
HK$12* per day
Daily Hospital Cash. Enjoy as low as HK$12*/day to get additional coverage on top of your existing medical plan. The plan offers 4 benefit levels to cater for your needs.

*Premium excludes insurance levy collected by the Insurance Authority.
Return of Premium
You will enjoy a refund of 102% of the actual total premium paid at maturity (i.e. end of the 15th policy year) regardless of any claims made during the benefit term. Even if you surrender the policy before maturity, starting from the 6th policy year you can get back a percentage of actual total premiums paid.
More Benefits
01
Additional Intensive Care Unit and Infectious Disease Benefits
If you are admitted to the intensive care unit during a quarantine, an additional benefit will be payable (up to HK$1,200 per day) up to 90 days per disability. Further, an additional Infectious Disease Benefit will be payable (up to HK$1,200 per day) up to 30 days per disability.
02
Life Protection
The Plan will offer a life protection of 150% of the Total Annualized Premium to ease your family needs in the unfortunate event of your death. There will be an Additional Accidental Death Benefit of 50% of the Total Annualized Premium if your death is caused by an accident.
  • FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD Life”) 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 Life. The HKT Care website at www.hktcare.com is operated by HKT Financial Services (IA) Limited (“HKTIA”) and HKTIA is the authorized insurance agency of FWD Life. 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 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 insurance agency of FWD Life.
  • 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 Life 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.
Learn More
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