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.
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
*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.
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.
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
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.
The Government-Certified vCore Medical Plan ("vCore" / "this Plan")
provides with you core coverage on hospitalisation and surgical care. Pursue your life goals,
without the burden of unexpected health expenses!
The Government-Certified vCore Medical Plan ("vCore" / "this
Plan") provides with you core coverage on hospitalisation and surgical care. Pursue your life
goals, without the burden of unexpected health expenses!