Ever Care Accident Protection Plan
Also known as: 全意守護意外保障計劃
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Last checked
Ever Care Accident Protection Plan is recorded as Accident. 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
- Accident
- Policy currencies
- HKD / USD
- Premium payment terms
- Renewable
- Issue ages & basis
View 1 options
Issue ages & basis Recorded information Premium payment terms / Age basis 1 year to 70 years At least 15 days old.
Age basis: Age next birthday
- Core accidental death and dismemberment pay the scheduled percentage; qualifying scar cover advances 20% once.
- Adult permanent total disability pays 1% monthly from month 13 for up to 18 months; continuing disability can trigger a lump sum.
- The plan or rider premium is waived during disability benefit payments; other policy and rider premiums remain payable.
Decision sheet
5 of 13 known · 0 not published · 8 not yet checked
- What it pays and when
Benefit term: RenewablePublic source · Checked:
Recorded features: Core accidental death and dismemberment pay the scheduled percentage; qualifying scar cover advances 20% once.Public source · Checked: Public source · Checked: Public source · Checked: Public source · Checked: Public source · Checked:
Recorded features: Adult permanent total disability pays 1% monthly from month 13 for up to 18 months; continuing disability can trigger a lump sum.Public source · Checked: Public source · Checked: Public source · Checked: Public source · Checked: Public source · Checked:
Recorded features: The plan or rider premium is waived during disability benefit payments; other policy and rider premiums remain payable.Public source · Checked: Public source · Checked: Public source · Checked: Public source · Checked: Public source · Checked:
Recorded features: Hospital cash covers accident or listed illnesses for up to 90 days; Hong Kong government hospitals allow up to 180 days.Public source · Checked: Public source · Checked: Public source · Checked: Public source · Checked: Public source · Checked:
Recorded features: Outside specified regions, daily hospital cash is halved, with a shared HKD 480 / USD 60 daily cap across FWD policies.Public source · Checked: Public source · Checked: Public source · Checked: Public source · Checked: Public source · Checked:
Recorded features: Optional accidental medical cover reimburses eligible expenses up to 7% per accident, with age and treatment sublimits.Public source · Checked: Public source · Checked: Public source · Checked: Public source · Checked: Public source · Checked:
Recorded features: Worldwide assistance includes telephone medical advice, emergency evacuation and repatriation of remains, subject to service terms.Public source · Checked: Public source · Checked: Public source · Checked: Public source · Checked: Public source · Checked:
- Benefit limits
- not yet checked
- Premium and payment term
Premium payment terms: RenewablePublic source · Checked:
- How premiums can change
- not yet checked
- Guaranteed / non-guaranteed
- not yet checked
- Waiting periods
- not yet checked
- Main exclusions
Published key exclusions (not exhaustive): Specified accident benefits exclude suicide or a self-inflicted act, regardless of mental state.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
- not yet checked
- Riders
Available as a basic plan or rider. Both renew yearly to age next birthday 75; the rider ends at age 75 or expiry of its basic policy, whichever is earlier.Public source · Checked:
- Claims steps
- not yet 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:
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 (9)
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 waiting periods apply to accident claims?
- What are the cancellation terms and any surrender value or charges?
- What are the claim steps, documents and deadlines?
- How can I service the policy from abroad, and what restrictions apply?
- 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?
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:
RetireFun Deferred Annuity Plan
- Accident
- HKD
- USD
- Premium term band: Renewable
- 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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- Bank of China Group Insurance Company Limited
- Blue Cross (Asia-Pacific) Insurance Limited
- Bolttech Insurance (Hong Kong) Company Limited
- China Taiping Insurance (HK) Company Limited
- China Taiping Life Insurance (Hong Kong) Company Limited
- Chubb Life Insurance Hong Kong Limited
- Dah Sing Insurance Company Limited
- FWD Life Insurance Company (Bermuda) Limited
- Liberty International Insurance Limited
- Manulife (International) Limited
- MSIG Insurance (Hong Kong) Limited
- Sun Life Hong Kong Limited
- Well Link Life Insurance Company Limited
- ZA Life Limited
Similar products from other insurers
Similar products from other insurers
HKD Accident plans: Renewable premium term
Comparison groups
Comparison groups
All published facts
All published facts
| Field | Recorded information | ||||
|---|---|---|---|---|---|
| Product category | Accident | ||||
| Policy currencies | HKD / USD | ||||
| Premium payment terms | Renewable | ||||
| Benefit term | Renewable | ||||
| 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.
Sources & verification dates
Sources & verification dates
Checked:
- Ever Care Accident Protection Plan — official product brochure
Source date: Not confirmed / Page: 8
- Ever Care Accident Protection Plan — issuer
Source date: Not confirmed / Page: 1
- Ever Care Accident Protection Plan — listed product page
Source date: Not confirmed
Checked:
- Ever Care Accident Protection Plan — plan summary / general information
Source date: / Page: 8
- Ever Care Accident Protection Plan — selected exclusions
Source date: / Page: 20
- Ever Care Accident Protection Plan — public product page; undated
Source date: Not confirmed
Checked:
- Benefit categories — emergency assistance; PDF page 7; edition PMH168AE2311
Source date: Not confirmed / Page: 7
- Benefit categories — accidental death, permanent disability; PDF page 9; edition PMH168AE2311
Source date: Not confirmed / Page: 9
- Benefit categories — hospital cash; PDF page 10; edition PMH168AE2311
Source date: Not confirmed / Page: 10
- Benefit categories — medical reimbursement; PDF page 11; edition PMH168AE2311
Source date: Not confirmed / Page: 11
- Benefit categories — premium waiver, hospital cash; PDF page 19; edition PMH168AE2311
Source date: Not confirmed / Page: 19
- Official product page — brochure download section; publication date unstated
Source date: Not confirmed