Skip to content
港險通Hong Kong Insurance Connect
Ask a broker

Information, not advice; we refer to a licensed Hong Kong broker.

Healthy Plus Refundable Hospital Income Plan

Last checked

At a glance

Insurer
FWD Life Insurance Company (Bermuda) Limited
Product category
Other
Policy currencies
HKD / USD
Premium payment terms
Premium payment terms (2)
Premium payment terms
6 years
10 years
  • Death benefit is subject to the policy terms.
  • Guaranteed renewal is subject to the stated age limit and policy conditions.
Product enquiry via a licensed Hong Kong brokerCompare with similar plans

Decision sheet

6 of 13 known · 7 not published
What it pays and when

Recorded features: Death benefit is subject to the policy terms. / Guaranteed renewal is subject to the stated age limit and policy conditions.Public source · Checked:

Benefit limits
not published
Premium and payment term

Premium payment terms: 6 years / 10 yearsPublic source · Checked: Public source · Checked:

How premiums can change
not published
Guaranteed / non-guaranteed

Guaranteed renewal is subject to the stated age limit and policy conditions.Public source · Checked:

Waiting periods
not published
Main exclusions
not published
Surrender / cancellation

Early surrender may return less than the premiums paid.Public source · Checked:

Cooling-off

The document states a 21-day cooling-off period; cancellation and refund conditions apply.Public source · Checked:

Riders
not published
Claims steps

Insurer claims guide

not published
Policy servicing from abroad
not published
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 some sourced information is available, not complete terms. Missing details are not evidence of no cover or no restriction.

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.

  1. What benefit limits apply?
  2. When and how can premiums change?
  3. What waiting periods apply?
  4. What exclusions apply?
  5. Which riders are available, and what are their costs and terms?
  6. What are the claim steps, documents and deadlines?
  7. How can I service the policy from abroad, and what restrictions apply?
  8. Can you provide the key facts statement and policy provisions for this product?
  9. What is the cooling-off period, and how do I cancel during it?
  10. 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:

Mind Strength Protection Plan/Rider

Insurers (15)
Similar products from other insurers

Similar products from other insurers

Comparison groups

Comparison groups

All published facts

All published facts

FieldRecorded information
Product category

Other

Source 1Source 3
Policy currencies

HKD / USD

Source 1Source 3
Premium payment terms

6 years

10 years

Source 1Source 3
Recorded features

Death benefit is subject to the policy terms.

Guaranteed renewal is subject to the stated age limit and policy conditions.

Source 1
Renewal conditions

Guaranteed renewal is subject to the stated age limit and policy conditions.

Source 1
Names in other languages
English
Healthy Plus Refundable Hospital Income Plan
繁體中文
樂衛您保費回贈住院保障計劃 (Healthy Plus)
简体中文
Not confirmed

Verified names follow insurer labels. Unconfirmed translations use English for navigation.

Sources & verification dates

Sources & verification dates

Checked:

  1. Healthy Plus Refundable Hospital Income Plan — official product page

    Source date: Not confirmed

  2. Healthy Plus Refundable Hospital Income Plan — official product page

    Source date: Not confirmed

  3. Healthy Plus Refundable Hospital Income Plan — official brochure

    Source date: Not confirmed