Crisis OneCover Prime
Also known as: 危疾晉御保（尊尚版）
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Last checked
Crisis OneCover Prime is recorded as Critical illness. Check its published cover, premium terms and exclusions below; missing fields are unconfirmed and this catalogue is for information only, with original sources checked .Sources & verification dates
At a glance
- Insurer
- FWD Life Insurance Company (Bermuda) Limited
- Product category
- Critical illness
- Policy currencies
- HKD / USD
- Premium payment terms
View 4 options
Premium payment terms 10 years 15 years 20 years 25 years - Issue ages & basis
View 4 options
Issue ages & basis Recorded information Premium payment terms / Age basis 1 year to 70 years 10-year premium payment term.
Age basis: Age next birthday1 year to 60 years 15-year premium payment term.
Age basis: Age next birthday1 year to 55 years 20-year premium payment term.
Age basis: Age next birthday1 year to 50 years 25-year premium payment term.
Age basis: Age next birthday
- Multiple critical illness benefits are subject to disease-group and per-condition limits.
- Premiums are non-guaranteed but do not increase based on the insured’s attained age next birthday.
Decision sheet
7 of 14 known · 0 not published · 7 not yet checked
- What it pays and when
Benefit term: To age 100 / To the policy anniversary immediately preceding the insured’s 100th birthday.Public source · Checked:
Recorded features: Multiple critical illness benefits are subject to disease-group and per-condition limits.Public source · Checked:
Recorded features: Premiums are non-guaranteed but do not increase based on the insured’s attained age next birthday.Public source · Checked:
- Benefit limits
- not yet checked
- Premium and payment term
Premium payment terms: 10 yearsPublic source · Checked:
Premium payment terms: 15 yearsPublic source · Checked:
Premium payment terms: 20 yearsPublic source · Checked:
Premium payment terms: 25 yearsPublic source · Checked:
- How premiums can change
- not yet checked
- Guaranteed / non-guaranteed
Premiums are non-guaranteed but do not increase based on the insured’s attained age next birthday.Public source · Checked:
- Waiting periods
- not yet checked
- Main exclusions
Published key exclusions (not exhaustive): Death benefits exclude suicide or self-harm within 13 months of cover starting, restarting or increasing; increases apply to added cover.Public source · Checked:
Published key exclusions (not exhaustive): Selected exclusions only; the full policy provisions and individual exclusions apply.Public source · Checked:
- Surrender / cancellation
- not yet checked
- Cooling-off
Signed written cancellation notice must reach FWD within 21 calendar days immediately following delivery of the policy or cooling-off notice to the owner or nominated representative, whichever is earlier. Premiums and levy paid are refunded without interest; no refund if a claim payment was made before cancellation was requested.Public source · Checked:
- Riders
- not yet checked
- Claims steps
Insurer claims guide · Critical illness
Critical illness — Payment methods: Claim payments usually use policy currency; USD policies may be paid in HKD on request.Public source · Checked:
- Policy servicing from abroad
- not yet checked
- Complaints and dispute routes
1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked:
2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked:
3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked:
ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked:
- Covered conditions / definitions
- not yet checked
Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.
Questions to ask before buying
Questions to ask before buying (10)
Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.
- What benefit limits apply?
- When and how can premiums change?
- What is the waiting period for illness claims?
- What are the cancellation terms and any surrender value or charges?
- Which riders are available, and what are their costs and terms?
- How can I service the policy from abroad, and what restrictions apply?
- Which illnesses are covered, and how are they defined?
- Can you provide the key facts statement and policy provisions for this product?
- What is the cooling-off period, and how do I cancel during it?
- Which benefits and values are guaranteed, and which are not?
Which public editions and notices can be matched?
These are the editions retrieved from official sources, not confirmation of current sale availability. A document code or a launch publication date does not establish a contract effective date, a withdrawal date or CI adoption for another edition. A missing prior edition prevents a verified comparison of wording changes.
Not established in the reviewed official sources. The source link identifies the document checked; it does not prove that no notice exists.
Crisis OneCover Prime
- Retrieved edition code
- PMH147AE2104
Which facts remain unknown? Prior edition code and wording, Notice publication date, Notice effective date, Exact withdrawal date, Verified current-versus-prior wording changes, Adopted CI framework version, Product-edition CI adoption date
- Official source · PMH147AE2104 · Back cover, PDF p. 32 · Effective date unknown · Checked:
Belongs to
Belongs to
Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.
More product information from this insurer:
- Critical illness
- HKD
- USD
- Premium term band: Over 5 to 10 years
- Premium term band: Over 10 years
- Issue-age band: Children (0–17)
- Issue-age band: Adults (18–64)
- Issue-age band: Older adults (65+)
- FWD
Goals and audience categories described by product type
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- China Life Insurance (Overseas) Company Limited
- China Taiping Insurance (HK) Company Limited
- China Taiping Life Insurance (Hong Kong) Company Limited
- Chow Tai Fook Life Insurance Co Ltd
- Chubb Life Insurance Hong Kong Limited
- CIGNA Worldwide General Insurance Company Limited
- FWD Life Insurance Company (Bermuda) Limited
- Generali Life (Hong Kong) Limited
- Hong Kong Life Insurance Limited
- HSBC Life (International) Limited
- Manulife (International) Limited
- MSIG Insurance (Hong Kong) Limited
- Prudential Hong Kong Limited
- Sun Life Hong Kong Limited
- Well Link Life Insurance Company Limited
- YF Life Insurance International Limited
- ZA Life Limited
- Zurich Life Insurance (Hong Kong) Limited
Similar products from other insurers
Similar products from other insurers
HKD Critical illness plans: Over 10 years premium term
Comparison groups
Comparison groups
- USD Critical illness plans compared
- USD Critical illness plans: Over 5 to 10 years premium term
- USD Critical illness plans: Over 10 years premium term
- HKD Critical illness plans compared
- HKD Critical illness plans: Over 5 to 10 years premium term
- HKD Critical illness plans: Over 10 years premium term
- FWD Critical illness plans compared
All published facts
All published facts
| Field | Recorded information | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Product category | Critical illness | ||||||||||
| Policy currencies | HKD / USD | ||||||||||
| Premium payment terms |
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| Benefit term | To age 100 / To the policy anniversary immediately preceding the insured’s 100th birthday. | ||||||||||
| Issue ages & basis |
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| Recorded features |
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| Published key exclusions (not exhaustive) |
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English and Traditional Chinese names follow the sources. Simplified Chinese is an editorial conversion.
Which CI definition edition is evidenced?
A framework date or purchase date does not establish adoption by a policy edition. Existing contracts are not automatically rewritten. These are the reviewed public documents, not confirmation of your policy wording.
- Reviewed document edition
- PMH147AE2104
- Framework reference
- Not confirmed
- Product adoption effective date
- Not confirmed
- Framework reference: No dated product-edition adoption statement established.
- Product adoption effective date: No explicit product adoption effective date established.
Checked:
HKFI framework · 2026-03 · § 5–8 · PDF 3 · Framework effective date:
- Official source · PMH147AE2104 · PDF 32 · HTTP outcome: 200
- Official source · Not confirmed · Product page · HTTP outcome: 200
Sources & verification dates
Sources & verification dates
Checked:
- Crisis OneCover Prime — official product brochure
Source date: Not confirmed / Page: 17
- Crisis OneCover Prime — issuer
Source date: Not confirmed / Page: 1
- Crisis OneCover Prime — listed product page
Source date: Not confirmed
Checked:
- Crisis OneCover Prime — plan summary / general information
Source date: / Page: 17
- Crisis OneCover Prime — selected exclusions
Source date: / Page: 26
- Crisis OneCover Prime — public product page; undated
Source date: Not confirmed