Comprehensive Life Medical Protection

Embrace - a heart-warming hug and a full-on expression of care.

FWD Embrace Medical Plan provides you with a thoughtful and
direct reimbursement coverage on hospitalization.
Embrace life with tenderness, love and care even when facing
unfortunate illnesses and unexpected expenses.

Embrace longevity
Whether there is any change in health conditions or any previous insurance
claim, all successfully applied insurance plans are guaranteed renewable1 until
the age of 100.

Embrace with power

Serious illness and medical costs can be a setback to your wellness. This plan
also covers Radiotherapy and Chemotherapy for Cancer Benefit 2 and Kidney
Dialysis Benefit 2. Combat illness and embrace life using the strongest power
with us.

Embrace wellness
Staying healthy is more than simply life enjoyment but is also a precious
wealth. In the case that there are no claims for two or more consecutive
years, you will be eligible for a discount in the following year’s premium
according to the table below:

No claim period immediately No Claim Premium Discount

prior to the Policy's renewal date on following year’s premium
2 consecutive years

3 consecutive years 10%

4 consecutive years

5 or more consecutive years 15%

Embrace flexibility
A wide range of insurance choices for you: Economy, Standard, Superior and
Premier protection plans. Economy plan is an ideal supplement to any existing
medical plan. An additional medical booster benefit is also available with
enhanced protection until the age of 100, which pays up to 85% 3 of eligible
expenses in excess of the benefits paid by Embrace. This offers you extra
flexibility to ease any huge medical burden.

Embrace convenience
With recent advances in anaesthetic drugs and medical techniques, this plan
also covers many simple surgeries, such as cataract operation and colonoscopy,
carried out in clinics 4. This added convenience will help you return to normal
days of work and life in no time.

Embrace the world

When coming across unexpected illness or accidents overseas, the International
SOS 5 24-hour Worldwide Assistance Program gives the most immediate
support, including phone medical advice, emergency medical evacuation and
repatriation of mortal remains.

暖懷醫療保障計劃 Embrace Medical Plan

計劃類型 Plan Type 基本計劃 / 附約 Basic Plan / Rider
計劃級別 Plan Level 經濟 Economy 標準 Standard 特等 Superior 優等 Premier
投保年齡（下次生日年齡）Issue Age (Age Next Birthday) 1（15日）– 65 1 (15 days) – 65
保障年期 Benefit Term 保證每年續保1至100歲 Guaranteed yearly renewable1 to age 100
保費供款年期 Premium Payment Term 至99歲 To age 99
•按被保人年齡、性別及所選計劃級別而定 •每年按被保人年齡遞增 •非保證
保費 Premium Structure •Based on the Insured’s age and gender, and the selected plan level
•Adjust yearly as the Insured’s age increases •Non-Guaranteed

貨幣 Currency 基本計劃：美元 / 港幣 附約：美元 / 港幣（與基本計劃相同）

Basic Plan: USD / HKD Rider: USD / HKD (Must be the same as the Basic Plan)
繳付方式 Premium Payment Mode 每月 / 每半年 / 每年 Monthly / Semi-Annually / Annually
保障範圍 Protection Coverage 詳情請參閱保障表 Please refer to the benefit schedule for details
•健康人生保費優惠：無索償折扣* •國際SOS 24小時環球支援服務
其他 Others
•Healthy Lifestyle Reward: No Claim Premium Discount* •International SOS 24-hour Worldwide Assistance Program
 自選醫療增值保障 Optional Medical Booster Benefit
計劃級別 Plan Level 標準 Standard 特等 Superior 優等 Premier
投保年齡（下次生日年齡）Issue Age (Age Next Birthday) 1（15日）– 65 1 (15 days) – 65
保障年期 Benefit Term 保證每年續保1至100歲 Guaranteed yearly renewable1 to age 100
保費供款年期 Premium Payment Term 至99歲 To age 99
•按被保人年齡、性別及所選計劃級別而定 •每年按被保人年齡遞增 •非保證
保費 Premium Structure •Based on the Insured’s age and gender, and the selected plan level
•Adjust yearly as the Insured’s age increases •Non-Guaranteed
貨幣 Currency 必須與暖懷醫療保障計劃相同 Must be the same as Embrace Medical Plan
繳付方式 Premium Payment Mode 必須與暖懷醫療保障計劃相同 Must be the same as Embrace Medical Plan
保障範圍 Protection Coverage 詳情請參閱保障表 Please refer to the benefit schedule for details
* 無索償折扣亦適用於自選醫療增值保障（如已附加）。 No Claim Premium Discount is also applicable to Optional Medical Booster Benefit, if attached.

保障範圍（港幣） Coverage (HKD) 經濟 Economy 標準 Standard 特等 Superior 優等 Premier

住院保障 Hospitalization Benefits
每天住房費（最多以150天為限）
370 825 1,450 3,000
Daily Room and Board (up to a max of 150 days)
深切治療部每天費用（最多以30天為限）
Daily Charges for Intensive Care (up to a max of 30 2,000 2,600 4,000 5,000
days)
家屬陪伴附加床位費（每天） （被保人須在12歲以下）
（最多以30天為限）
Companion Bed (per day) (for Insured age below 12) (up 300 500 900 1,800
to a max of 30 days)
每日住院現金保障（入住香港公立醫院之大房）
（最多以60天為限）
Daily Hospital Cash Benefit (for Confinement in general 150 300 500 900
ward of public hospital in Hong Kong) (up to a max of 60
days)
主診醫生每天巡房費（最多以150天為限）
Daily Attending Physician’s Hospital Visit (up to a max 370 825 1,450 3,000
of 150 days)
專科醫生會診費 Specialist Consultation 2,800 6,500 7,500 12,500

醫院雜費 Miscellaneous Hospital Charges 7,000 10,000 16,500 27,000

保障範圍（港幣） Coverage (HKD) 經濟 Economy 標準 Standard 特等 Superior 優等 Premier

手術保障 Surgical Benefits
6 6

手術費（依手術賠償表）Surgeon’s Fees (Per Surgical Schedule)

等級一 Class 1 3,000 4,400 6,500 8,500

等級二 Class 2 7,500 10,500 16,000 20,000

等級三 Class 3 16,000 22,000 30,500 40,000

等級四 Class 4 28,000 38,000 54,800 72,000
等級五 Class 5 28,000 68,000 96,000 130,000
麻醉師費 Anaesthetist's Fees 最高為手術費賠償額百分之三十五 Up to 35% of the Surgeon’s Fees payable
手術室費 Operating Theatre Charges 最高為手術費賠償額百分之三十五 Up to 35% of the Surgeon’s Fees payable
其他醫療保障 Other Medical Benefits
出院後門診（每次） （包括中醫醫療費）
（以出院後或門診手術後45天內計算，每日
一次，最多以10次為限）
Post-Hospitalization (per visit) (including Chinese 250 300 350 400
Medicine Consultation)
(1 visit/day for a max of 10 visits within 45 days after
hospitalization or Clinical Surgery)
私家看護（每天） （以出院後30天內計算，最多以
30天為限）
Home Nursing (per day) (up to a max of 30 days 500 700 1,100 2,000
within 30 days after hospitalization)
救護車運送至醫院 Ambulance to Hospital 200 250 300 350
緊急意外門診醫療費
Emergency Out-Patient Accident Treatment Charges 1,800 5,000 6,500 14,000

癌症放射療法及化學療法 2

Radiotherapy and Chemotherapy for Cancer2 不適用 Nil 80,000 130,000 200,000

腎臟透析2 Kidney Dialysis2 不適用 Nil 200,000 350,000 500,000

人壽保障 Life Protection
身故權益 Death Benefit 5,000 10,000 15,000 20,000
意外身故權益 Accidental Death Benefit 5,000 10,000 15,000 20,000
 保障範圍（港幣） Coverage (HKD) 經濟 Economy 標準 Standard 特等 Superior 優等 Premier
住院保障 Hospitalization Benefits
每天住房費（超過150天後之每天限額）
Daily Room and Board (In excess of 150 days and up to 825 1,450 3,000
daily limit of)
深切治療部每天費用 Daily Charges for Intensive Care 按院方之慣常收費 Normal and Customary Charges
主診醫生每天巡房費（超過150天後之每天限額） 不適用 Nil
Daily Attending Physician’s Hospital Visit (In excess of 825 1,450 3,000
150 days and up to daily limit of)
專科醫生會診費 Specialist Consultation
按院方之慣常收費 Normal and Customary Charges
醫院雜費 Miscellaneous Hospital Charges
手術保障 Surgical Benefits
手術費（依手術賠償表）
Surgeon’s Fees (Per Surgical Schedule) 最多可達自選醫療增值保障每項傷病最高賠償限額之百分之五十
不適用 Nil Up to 50% of the maximum limit of Optional Medical Booster
麻醉師費 Anaesthetist's Fees
Benefit per Disability
手術室費 Operating Theatre Charges
最高賠償限額 Maximum Limit
每項傷病最高賠償限額 Maximum Limit per Disability 100,000 150,000 250,000
每張保單終身賠償限額 ^
（本公司就個別保單之自選醫療增值保障於緊接被保人74歲生
日後之保單週年日起計累算支付之保障金額上限。）
Overall Lifetime Limit per Policy ^ 280,000 420,000 700,000
(the limit which applies to the aggregate amounts paid on or after the
policy anniversary immediately following the 74th birthday of the
Insured under Optional Medical Booster Benefit of individual policy.)

個人終身賠償總額 ^
（本公司就同一個被保人繕發，並根據最新之規章和規定被本公
司指明或劃分為自選醫療增值保障權益(不論是否附加於暖懷醫
療保障計劃或附約)之其他保單及附約(「其他相關保單及附約」)
中，於上限生效日起計累算所有由本公司支付之保障總額的絕 不適用 Nil
對上限。「上限生效日」為所有其他相關保單及附約中緊接被
保人74歲生日後之最早保單週年日。）
Overall Lifetime Limit per Life ^
(the absolute cap which applies to all amounts paid in aggregate on or
after the Limit Effective Date under all Optional Medical Booster Benefit 1,200,000
and under any other benefits described or characterised by the Company
based on its prevailing rules and regulations as optional medical booster
benefits in any other policies and riders (whether or not under the Embrace
Medical Plan / Rider) issued by the Company in respect of the same Insured
(“Other Relevant Policies and Riders”). “Limit Effective Date”is the date of
the earliest policy anniversary under all Other Relevant Policies and Riders
which immediately follows the 74th birthday of the Insured.)

^ 於被保人100歲前，有關之自選醫療增值保障將於總賠償達至「每張保單終身賠償限額」或「個人終身賠償總額」時終止。
^ The relevant optional medical booster benefits shall be immediately terminated once the aggregate amount paid has reached either Overall Lifetime Limit per Policy or Overall Lifetime Limit per life
before Insured reaches age 100.

有關此保單之所有不保事項，請參閱保單條款。
如以美元為保單貨幣，以上賠償限額之兌換率固定為1:8（美元：港幣），並不受匯率變動影響。
For all the exclusions under the Policy, please refer to the Policy Provisions.
For policies in US dollars, the exchange rate for the benefit schedule above is fixed at 1:8 (USD:HKD), irrespective of currency fluctuations.

註：
1. 富衛人壽保險（百慕達）有限公司（富衛）保留於每保單週年檢討此保單之保費率及/或權益之權利。
2. 此權益並不會於保單生效日或保單復效日計起90日內支付，亦不適用於經濟級別。如總賠償額相等於此保單所註明之最高賠償上限，此保障將自動終止。
3. 每項傷病受有關傷病最高賠償額約束，且並不適用於經濟級別。詳情請參閱有關自選醫療增值保障之保障表。
4. 受保障的門診手術，已詳列於保單合約的手術賠償表內。
5. 此服務由國際SOS提供，富衛將不會就國際SOS的行為或疏忽負上任何責任。
6. 包括已註明在保單條款手術賠償表內的門診手術保障。

以上資料只供參考及旨在描述基本計劃及附約主要特點，有關條款細則的詳細資料，請參閱保單條款。
本單張及保單條款內容於描述上有任何歧異，應以保單條款英文原義為準。本單張中英對照，如有任何歧異，概以英文原義為準。

Remarks:
1. FWD Life Insurance Company (Bermuda) Limited (FWD) reserves the right to revise, modify or adjust the benefits payable under the Policy and/or the premium rates at each Policy anniversary.
2. The benefit(s) are not payable during the first 90 days from the Effective Date or date of reinstatement of the Policy, and are not available under the Economy plan. The benefit(s) will automatically
terminate once the aggregate claim amount is equal to the maximum benefit limit as stated under the Policy.
3. Subject to maximum limits per Disability and not available under the Economy plan. Please refer to the benefit schedule of Optional Medical Booster Benefit for more details.
4. The list of Clinical Surgeries is specified in the Surgical Schedule of the Policy Provisions.
5. The service is provided by International SOS. FWD shall not be responsible for any act or failure to act on the part of International SOS.
6. Includes coverage for Clinical Surgery as specified in the Surgical Schedule of the Policy Provisions.

The above information is for reference only and is indicative of the key features of the Plan. For a complete explanation of the terms and conditions, please refer to the Policy Provisions. In the event of
any ambiguity or inconsistency between the terms of this leaflet and the Policy Provisions, the Policy Provisions in English shall prevail. In the event of any discrepancy between the English and Chinese
version of this leaflet, the English version shall prevail.
重要事項及聲明：
i. 本產品由富衛人壽保險（百慕達）有限公司（「富衛」）承保，富衛全面負責一切計劃內容、保單批核、保障及賠償事宜。在投保前，您應考慮本產品是否適合您的需要及您是否完全明白本產品所涉
及的風險。除非您完全明白及同意本產品適合您，否則您不應申請或購買本產品。在申請本計劃前，請細閱以下相關風險。
ii. 本產品資料是由富衛發行。富衛對本產品資料所載資料的準確性承擔一切責任。本產品資料只在香港特別行政區派發，並不能詮釋為在香港特別行政區境外出售，游說購買或提供富衛的保險產品。
本產品的銷售及申請程序必須在香港特別行政區境內進行及完成手續。
iii. 本產品是一項保險產品。繳付之保費並非銀行存款或定期存款，本計劃不受香港特別行政區存款保障計劃所保障。
iv. 本產品乃一項醫療保障產品，並沒有任何儲蓄成份。保險費用成本及保單相關費用已包括在本計劃的所需繳付保費之內，儘管本計劃的主要推銷文件/小冊子及/或本計劃的銷售文件沒有費用與收費
表/費用與收費部份或沒有保費以外之額外收費。
v. 所有核保及理賠決定均取決於富衛，富衛根據投保人及被保人於投保時所提供的資料而決定接受投保申請還是拒絕有關申請，並退回全數已繳交之保費（不連帶利息）。富衛保留接納/拒絕任何投
保申請的權利並可拒絕您的投保申請而毋須給予任何理由。
vi. 以上全部權益及款項將於扣除保單負債（如有）（如未清繳之保費或保單貸款及其利息），如有，後支付。
vii. 如您對保單不滿意，則在您未曾於本保單下作出過任何索償的前提下，您有權在「冷靜期」內以書面要求取消保單及取回所有已繳交的保費。您必須確保富衛辦事處在您的保單的「冷靜期」（保單
交付給您/您的代表或《通知書》（說明已經可領取保單和「冷靜期」的屆滿日）發予您/您的代表後起計的21天內，以較早者為準。）屆滿日或之前直接收到附有您的親筆簽署的通知書。富衛辦事處
的地址為香港中環德輔道中308號富衛金融中心1樓。
viii. 於保單或附約生效期間，保單權益人可向富衛作出書面申請退回或終止保單或附約。
ix. 本產品之保單條款受香港特別行政區的法律所規管。
x. 以上資料只供參考及旨在描述產品主要特點，有關條款細則的詳細資料及所有不保事項，請參閱保單條款。本單張及保單條款內容於描述上有任何歧異，應以保單條款英文原義為準。如欲在投保前
參閱保險合約條款及細則，您可向富衛索取。本單張中英對照，如有任何歧異，概以英文原義為準。

本產品有哪些主要風險?

信貸風險
本產品是由本公司發出的保單。投保本保險產品或其任何保單利益須承受本公司的信貸風險。保單持有人將承擔本公司無法履行保單財務責任的違約風險。
外幣匯率及貨幣風險
投保外幣為保單貨幣的保險產品須承受外幣匯率及貨幣風險。請注意外幣或會受相關監管機構控制及管理（例如，外匯限制）。若保險產品的貨幣單位與您的本國貨幣不同，任何保單貨幣對您的本國
貨幣匯率之變動將直接影響您的應付保費及可取利益。舉例來說，如果保單貨幣對您的本國貨幣大幅貶值，因匯率波動引致的潛在損失將對你於本產品可獲得的利益及繳付保費的負擔構成負面影響。

通脹風險
請注意通脹會導致未來生活費用增加。即使本公司履行所有合約責任，實際保單權益可能不足以應付將來的保障需要。

不保事項
若被保人直接或間接由下列任何原因引致支出住院、手術或醫療相關之任何費用，將不能獲得任何賠償：1. 護理或治療有下列情形：（i）已由任何公司或保險公司依照其保險計劃作出賠償。如護理或治
療之任何部份並不包括在該賠償內，此不保事項條款將不適用；（ii）任何住院、門診手術、治療、療程或其他醫療服務非醫療需要；或（iii）任何超出正常與慣例之收費的費用。 2. 先天性疾患。 3. 受保前
已存在之傷病。 4. 保單生效日或復效日起的首三十天內所發生之疾病或病症。 5. 感染人類免疫力缺乏病毒（HIV）所引致之任何疾病，包括愛滋病（AIDS）和/或各種突變，衍生或變異（因輸血而感染
除外）。 6. 蓄意自我毀傷或企圖自殺，不論當時神智是否清醒，或是否受藥物或酒精影響。 7. 由於服用酒精或毒品或類似之藥物或藥製劑過量引起的傷病，除非是醫生處方開列用於治療傷病之藥物。
8. 非因治療或診斷傷病之例行身體檢查、健康檢查或測試，或非醫療需要之任何治療。 9. 因手術，物理或化學方法避孕，或避孕逆轉，或治療不育所引致的症狀。 10. 美容或外科整形手術；與傷病無
關的預防或疫苗接種治療；眼鏡、視力問題矯正輔助；助聽器、聽力治療及其處方。但針對全然因保單生效日起發生之意外所遭受的身體受傷，而需進行前述手術或治療者，不受此限。 11. 牙齒保健、
手術及治療，但若健全自然牙齒之損壞全然因保單生效日起受傷所致，且僅為恢復受傷前存在自然牙齒的基本功能者，則不在此限。 12. 精神、心理、心智、神經或情緒之障礙，及任何因此引起的生理
或身心症狀。 13. 保單生效日起一百二十天內，任何對扁桃腺、腺樣增生或婦女生殖器官疾病的治療或手術。 14. 戰爭或軍事行為、恐怖主義或恐怖份子行動（包括已宣告或未宣告），敵對行動、暴動、
革命、反叛、政變或篡權；或在任何國家或國際權力機構之海、陸、空部隊中服役。 15. 以下原因引起之傷病：（i）除賽跑外的各種競速比賽。（ii）在機動車輛道路外駕駛電單車。（iii）除以乘客身份購票
乘搭合格持牌之商業飛機以外的飛行活動。（iv）高空跳傘或滑翔運動。（v）需使用呼吸器的深水潛泳（三十米以上）。（vi）需使用繩索及/或岩釘的遊繩下降和登山運動。（vii）除於溜冰場滑冰以外的
冬季運動。（viii）參與任何形式有報酬及收入的專業運動。（ix）蓄意犯險（由本公司界定），但為救助人類生命除外。（x）核輻射、核污染或使用任何核子武器的游離或燃燒所產生的污染。 16. 懷孕、
分娩（包括手術接生）、流產、墮胎及產前檢查或產後護理。 17. 參與任何犯罪的活動。 18. 變性手術。 19. 包皮環切手術，但依本保單相關條款有醫療需要而進行包皮環切手術者不受此限。
若被保人直接或間接由下列任何原因引致死亡，將不獲發意外身故權益：1. 疾病或任何感染，由意外受傷之傷口引發之感染則不在此限。 2. 懷孕、分娩（包括手術接生、流產）或墮胎，因意外而提前或
導致分娩或流產亦屬不保事項。 3. 蓄意自我毀傷或企圖自殺，不論當時神智是否清醒，或是否受藥物或酒精影響。 4. 服用任何未經合格註冊醫生合法處方之藥物。 5. 被保人受酒精影響而遭受或導
致意外。 6. 自願或非自願服用或吸入毒藥、氣體或煙霧，但被保人因職業相關遭遇危險，導致意外服用或吸入上述物品則不在此限。 7. 戰爭或軍事行為、恐怖主義或恐怖份子行動（包括已宣告或未宣
告），敵對行動、暴動、革命、反叛、政變或篡權；或在任何國家或國際權力機構之海、陸、空部隊中服役。 8. 除以乘客身份購票乘搭合格持牌之商業飛機以外的飛行活動。 9. 參與任何犯罪的活動。
10. 除賽跑外的各種競速比賽。 11. 核輻射、核污染或使用任何核子武器的游離或燃燒所產生的污染。 12. 參與任何形式有報酬及收入的專業運動。

保費調整
保費為非保證並將每年按照被保人於續保時之下次生日年齡而訂定。保費會因各種因素而大幅增加，當中包括但不限於年齡、索償經驗及保單續保率。

保費年期及欠繳保費
保單的保費供款年期的終結日為被保人100歲生日前之保單週年日。
任何到期繳付之保費均可獲本公司准予保費到期日起計30天的寬限期。若在寬限期屆滿後仍未繳付保費，由首次未繳保費的到期日起終止，而您可能會失去全部權益。

終止保單
保單將在下列其中一個日期終止，以較早為準︰1. 被保人身故。 2. 被保人100歲生日前之保單週年日。 3. 依本公司相關規定所認定之保單終止日。 4. 若保單權益人不接受本公司按保單條款調整之保
障，或不繳交新保費，本公司於新保費逾期未繳三十天後有權終止本保單。 5. 寬限期滿後仍未繳付保費。

Important N otes and Declarations:

i. This product is under written by FWD. FWD is solely responsible for all features, Policy approval, coverage and benefit payment under the product. FWD recommends that you carefully consider
whether the product is suitable for you in view of your financial needs and that you fully understand the risk involved in the product before submitting your application. You should not apply for or
purchase the product unless you fully understand it and you agree it is suitable for you. Please read through the following related risks before making any application of the product.
ii. This product material is issued by FWD. FWD accepts full responsibility for the accuracy of the information contained in this product material. This product material is intended to be distributed in
the Hong Kong Special Administrative Region only and shall not be construed as an offer to sell, a solicitation to buy or the provision of any insurance products of FWD outside the Hong Kong Special
Administrative Region. All selling and application procedures of the product must be conducted and completed in the Hong Kong Special Administrative Region.
iii. This product is an insurance product. The premium paid is not a bank savings deposit or time deposit. The product is not protected under the Deposit Protection Scheme in the Hong Kong Special
Administrative Region.
iv. This product is a medical protection product without any savings element. The costs of insurance and the related costs of the policy are included in the premium paid under this plan despite the
product brochure/leaflet and/or the illustration documents of this plan having no schedule/section of fees and charges or no additional charge noted other than the premium.
v. All underwriting and claims decisions are made by FWD. FWD relies upon the information provided by the applicant and the Insured in the insurance application to decide to accept or decline the
application with a full refund of any premium paid without interest. FWD reserves the right to accept/reject any insurance application and can decline your insurance application without giving any
reason.
vi. All the above benefits and payment are paid after deducting policy debts (if any, e.g. unpaid premiums or premium loan and the interest of the loan).
vii. If you are not satisfied with the Policy, you have the right to cancel it within the Cooling-off Period and obtain a refund of any premium paid provided that you have not made any claims under the
Policy. A written notice signed by you should be received by the office of FWD at 1/F., FWD Financial Centre, 308 Des Voeux Road Central, Hong Kong within the Cooling-Off Period (that is, 21 days
after either the delivery of the Policy or the issue of a Notice informing you or your representative that the Policy is available for collection and Expiry Date of the Cooling-off Period, whichever is
earlier).
viii. While the Policy or rider is in force, the Policy Owner may surrender or terminate the Policy or rider by sending a written request to FWD.
ix. The Policy Provisions of the product are governed by the laws of the Hong Kong Special Administrative Region.
x. This product material is for reference only and is indicative of the key features of the product. For the exact terms and conditions and the full list of exclusions of the product, please refer to the Policy
Provisions of the product. In the event of any ambiguity or inconsistency between the terms of this leaflet and the Policy Provisions, the Policy Provisions in English shall prevail. If you want to read
the terms and conditions of the policy provisions before making an application, you can obtain a copy from FWD. In the event of discrepancies between the English and Chinese versio ns of this
product material, the English version shall prevail.
What are th e key product risks?

Credit risk
This product is an insurance policy issued by the Company. The application of this insurance product and all benefits payable under your policy are subject to the credit risk of the Company. You will bear
the default risk in the event that the Company is unable to satisfy its financial obligations under this insurance contract.

Exchange rate and currency risk

The application of this insurance product with the policy currency denominated in a foreign currency is subject to that foreign currency’s exchange rate and currency risk. The foreign currency may be
subject to the relevant regulatory bodies’ control (for example, exchange restrictions). If your home currency is different from the policy currency, please note that any exchange rate fluctuation between
your home currency and the policy currency of this insurance product will have a direct impact on the amount of premium required and the value of benefit(s) to be received. For instance, if the policy
currency of the insurance product depreciates substantially against your home currency, the potential loss arising from such exchange rate movement may have a negative impact on the benefits you
receive from the product and your burden of the premium payment.

Inflation risk
The cost of living in the future may be higher than now due to the effects of inflation. Therefore, the benefits under this policy may not be sufficient for the increasing protection needs in the future even
if the Company fulfills all of its contractual obligations.

Exclusions
The Company shall not be liable to pay any benefits under this Policy in respect of hospitalization, surgical and other medical fees and expenses incurred directly or indirectly caused by: 1. Care or
treatment for which (i) reimbursement has been paid by any company or other insurer under other insurance policy covering the Insured. However, if any part of the care or treatment is not covered by
such reimbursement, such exclusion will not apply ; (ii) any Confinement, Clinical Surgery, treatment, procedure or other medical services which are not Medically Necessary; or (iii) any charges
exceeding the Normal and Customary Charges for the benefits. 2. Congenital Conditions. 3. Pre-existing Conditions. 4. Sickness, Disease or Illness when occurring during the first thirty (30) days from
the Effective Date or the date of reinstatement of the Policy. 5. Human Immunodeficiency Virus (HIV) related illness, including Acquired Immunization Deficiency Syndrome (AIDS) and/or any mutations,
derivations or variations thereof, which is derived from an HIV infection, except due to blood transfusion. 6. Intentional self-inflicted injury or attempted suicide, while sane or insane and while intoxicat-
ed or not. 7. Disability arising out of excessive consumption of alcohol or narcotics or similar drugs or agents unless prescribed by a Physician for treatment of a Disability. 8. Routine physical examina-
tions, health check-ups or tests not incidental to treatment or diagnosis of a Disability or any treatments which are not Medically Necessary. 9. Conditions arising from surgical, mechanical or chemical
contraceptive methods of birth control or the reversal of birth control or treatment pertaining to infertility. 10. Cosmetic surgery or plastic surgery, preventive or vaccination treatment not related to
a Disability, eye glasses, corrective aids and refractions or hearing aids and treatment for the same, and prescriptions thereof except as necessitated by bodily Injuries wholly caused by an Accident
occurring on or after the Effective Date. 11. Dental care, surgery and treatment, except as necessitated by the need to restore sound natural teeth that are damaged wholly by Injury occurring on or after
the Effective Date, and the restoration is only to restore the basic function of the natural teeth that existed prior to the Injury. 12. Psychiatric, psychological, mental, nervous or mood disorders, and any
physiological or psychosomatic manifestations thereof. 13. Treatment or surgery for tonsils, adenoids or any diseases peculiar to the female generative organs within one hundred and twenty (120) days
from the Effective Date of this Policy. 14. War or any act of war, terrorism or terroristic activities, declared or undeclared, hostilities, rebellion, revolution, insurrection, coup or usurped power or active
duty in the military, naval or air forces of any country or international authority. 15. Any Disability resulting from: (i) Racing of any kind other than on foot. (ii) Motorcycling other than on roadways
designed primarily for motor traffic. (iii) Aviation or aeronautics other than as a fare paying passenger on a duly licensed commercial aircraft. (iv) Skydiving and parasailing. (v) Deep water diving over
thirty (30) meters requiring the use of breathing apparatus. (vi) Abseiling and mountain climbing requiring the use of ropes and/or pitons. (vii) Winter sports other than ice-rink skating. (viii) Participation
in all forms of professional sports competition with reward and income. (ix) Deliberate exposure to exceptional danger in the opinion of the Company except in an effort to save human life. (x) Nuclear
radiation, or contamination or the use of ionization or combustion of any nuclear weapons. 16. Pregnancy, childbirth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care.
17. The participation in any criminal event. 18. Trans-sexual surgery. 19. Circumcision, unless medically required subject to the clause on circumcision under this Policy.
No Accidental Death Benefit is payable under this Policy when the death of the Insured is directly or indirectly caused by: 1. Disease or infection (except infections which occur through an accidental cut
or wound). 2. Pregnancy, childbirth (including surgical delivery), miscarriage and abortion irrespective of whether such event is accelerated or induced by an Injury. 3. Intentional self-inflicted injury or
attempted suicide, while sane or insane and while intoxicated or not. 4. Any drug unless taken in accordance with the lawful directions and prescription of a qualified and registered Physician. 5.
Accident occurring while or because the Insured is under the influence of alcohol. 6. Poison, gas or fumes, voluntarily or otherwise taken, absorbed or inhaled, other than as a result of an Accident arising
from a hazardous incident in relation to the Insured’s occupation. 7. War or any act of war, terrorism or terroristic activities, declared or undeclared, hostilities, rebellion, revolution, insurrection, coup
or usurped power or active duty in the military, naval or air forces of any country or international authority. 8. Aviation or aeronautics other than as a fare paying passenger on a duly licensed commercial
aircraft. 9. The participation in any criminal event. 10. Racing of any kind other than on foot. 11. Nuclear radiation, or contamination or the use of ionization or combustion of any nuclear weapons.
12. Participation in all forms of professional sports competition with reward and income.

Premium adjustment
The premium is non-guaranteed and will be determined annually based on the age of the Insured on his or her next birthday at the time of renewal. The premium may increase significantly due to factors
including but not limited to age, claims experience and policy persistency.

Premium term and non-payment of premium

The premium payment term of the policy ends on the policy anniversary immediately preceding the Insured’s 100th birthday.
The Company allows a Grace Period of 30 days after the premium due date for payment of each premium. If a premium is still unpaid at the expiration of the Grace Period, the policy will be terminated
from the date the first unpaid premium was due. Please note that once the policy is terminated on this basis, you will lose all of your benefits.

Termination conditions
The Policy shall terminate on the earliest of the following: 1. The death of the Insured. 2. The policy anniversary immediately preceding the 100th birthday of the Insured. 3. The date of Policy lapse.
Such date is determined in accordance with the Company’s applicable rules and regulations in relation to Policy lapse. 4. If the Policy Owner refuses to accept the benefits revised by the Company
according to the benefit term or pay the revised premiums, the Company can terminate the Policy when the new premiums have been due for 30 days. 5. The end of the Grace Period of any premiums
due and not received by the Company.
PMH021CB1612
 基本計劃 Basic Plan 自選醫療增值保障 Optional Medical Booster Benefit

年齡（下次生日） 經濟 標準 特等 優等 標準 特等 優等
Age (Next Birthday) Economy Standard Superior Premier Standard Superior Premier
1-4 1,691 3,330 7,240 14,418 1,143 2,553 5,141
5-15 827 1,515 2,874 5,265 490 981 1,845
16 830 1,556 2,913 5,310 505 995 1,862
17 836 1,635 2,958 5,359 533 1,012 1,880
18 845 1,649 2,993 5,428 539 1,024 1,905
19 857 1,658 3,035 5,519 541 1,039 1,937
20 870 1,668 3,097 5,629 545 1,062 1,978
21 887 1,693 3,177 5,762 555 1,092 2,027
22 905 1,701 3,255 5,909 557 1,120 2,081
23 925 1,736 3,336 6,088 570 1,149 2,145
24 946 1,771 3,422 6,291 583 1,180 2,219
25 970 1,830 3,517 6,505 604 1,214 2,295
26 994 1,879 3,614 6,718 623 1,250 2,373
27 1,022 1,926 3,713 6,933 639 1,286 2,450
28 1,051 1,991 3,814 7,143 662 1,322 2,527
29 1,080 2,039 3,926 7,352 680 1,362 2,602
30 1,111 2,107 4,035 7,557 704 1,402 2,677
31 1,144 2,155 4,147 7,756 722 1,442 2,749
32 1,178 2,206 4,267 7,959 741 1,486 2,821
33 1,215 2,256 4,381 8,163 759 1,527 2,895
34 1,252 2,324 4,501 8,356 783 1,571 2,966
35 1,291 2,411 4,632 8,548 815 1,618 3,035
36 1,330 2,475 4,766 8,753 837 1,667 3,109
37 1,373 2,514 4,906 8,979 852 1,718 3,191
38 1,418 2,594 5,052 9,239 880 1,770 3,284
39 1,465 2,671 5,198 9,540 909 1,823 3,394
40 1,514 2,745 5,355 9,872 935 1,880 3,515
41 1,564 2,818 5,528 10,245 962 1,942 3,649
42 1,619 2,886 5,711 10,621 987 2,011 3,789
43 1,682 3,017 5,923 11,072 1,030 2,078 3,934
44 1,748 3,162 6,180 11,517 1,078 2,161 4,078
45 1,819 3,326 6,449 11,973 1,132 2,248 4,223
46 1,893 3,491 6,721 12,512 1,186 2,335 4,396
47 1,972 3,655 7,002 13,081 1,238 2,425 4,580
48 2,056 3,815 7,301 13,679 1,290 2,521 4,771
49 2,143 4,003 7,614 14,308 1,350 2,620 4,973
50 2,238 4,158 7,970 14,963 1,399 2,733 5,181
51 2,327 4,376 8,310 15,584 1,476 2,852 5,398
52 2,423 4,606 8,665 16,219 1,556 2,977 5,621
53 2,524 4,845 9,023 16,875 1,639 3,102 5,851
54 2,632 5,098 9,392 17,566 1,729 3,231 6,092
55 2,744 5,361 9,808 18,303 1,821 3,377 6,350
56 2,862 5,674 10,278 19,115 1,930 3,541 6,634
57 2,989 5,925 10,821 19,978 2,018 3,731 6,936
58 3,120 6,236 11,415 20,926 2,127 3,939 7,268
59 3,261 6,549 12,033 21,939 2,236 4,155 7,622
60 3,408 6,866 12,668 22,995 2,347 4,378 7,993
61 3,561 7,182 13,358 24,084 2,457 4,620 8,374
62 3,723 7,580 14,065 25,156 2,597 4,867 8,748
63 3,892 7,987 14,851 26,196 2,739 5,141 9,113
64 4,072 8,405 15,585 27,251 2,886 5,399 9,482
65 4,257 8,929 16,404 28,322 3,069 5,686 9,856
66 4,451 9,419 17,297 29,376 3,241 5,999 10,225
67 4,652 9,940 18,243 30,472 3,423 6,329 10,609
68 4,864 10,493 19,241 31,605 3,617 6,678 11,006
69 5,080 11,074 20,291 32,800 3,820 7,046 11,424
70 5,306 11,680 21,388 34,147 4,032 7,430 11,896
71 5,535 12,297 22,510 35,541 4,248 7,823 12,383
72 5,773 12,919 23,648 37,191 4,466 8,221 12,961
73 6,018 13,544 24,799 38,973 4,684 8,624 13,584
74 6,267 14,041 25,959 40,762 4,858 9,029 14,211
75 6,524 14,467 27,131 42,696 5,072 9,553 15,916
76 6,787 14,815 28,446 44,528 5,652 10,646 17,737
77 7,060 15,209 29,769 46,318 6,164 11,609 19,341
78 7,345 15,526 30,854 48,053 6,502 12,247 20,402
79 7,640 15,798 31,891 49,721 6,849 12,900 21,486
80 7,950 16,186 32,726 51,415 7,084 13,342 22,585
81 8,268 16,572 33,574 53,137 7,551 13,689 26,568
82 8,518 16,929 34,398 54,837 8,054 14,541 31,273
83 8,776 17,284 35,234 56,474 8,537 15,354 36,104
84 9,040 17,644 36,097 58,154 9,054 16,224 38,061
85 9,313 18,004 36,960 59,872 9,569 16,551 39,317
86 9,502 18,340 37,802 61,604 10,136 16,875 40,966
87 9,597 18,653 38,619 63,264 10,670 17,144 41,712
88 9,646 18,962 39,431 64,882 11,231 17,624 41,990
89 9,695 19,276 40,250 66,608 11,785 18,115 42,631
90 9,744 19,597 41,082 68,339 12,229 18,593 43,399
91 9,774 19,921 41,917 69,958 12,587 18,978 44,247
92 9,805 20,253 42,764 71,596 12,959 19,176 44,844
93 9,835 20,591 43,623 73,251 13,124 19,362 45,322
94 9,865 20,937 44,492 74,913 13,150 19,529 45,800
95 9,895 21,293 45,374 76,570 13,172 19,697 46,290
96 9,925 21,654 46,268 78,187 13,188 19,867 46,788
97 9,956 22,025 47,176 79,851 13,194 20,048 46,898
98 9,985 22,402 48,099 81,524 13,204 20,207 47,000
99 10,015 22,790 49,035 83,169 13,219 20,402 47,024
年供保費(港幣) -女性 Annual Premium (HKD) – Female

基本計劃 Basic Plan 自選醫療增值保障 Optional Medical Booster Benefit

年齡（下次生日） 經濟 標準 特等 優等 標準 特等 優等
Age (Next Birthday) Economy Standard Superior Premier Standard Superior Premier
1-4 1,289 2,583 5,251 10,486 874 1,836 3,724
5-15 931 1,810 3,377 6,198 597 1,163 2,183
16 994 1,914 3,572 6,382 634 1,234 2,249
17 1,052 2,013 3,735 6,576 670 1,292 2,320
18 1,103 2,089 3,889 6,801 697 1,348 2,401
19 1,149 2,161 4,029 7,034 724 1,399 2,485
20 1,192 2,225 4,175 7,294 746 1,452 2,579
21 1,231 2,280 4,327 7,602 767 1,508 2,693
22 1,269 2,321 4,457 7,911 783 1,554 2,805
23 1,304 2,368 4,568 8,236 799 1,595 2,922
24 1,339 2,444 4,680 8,572 827 1,636 3,043
25 1,374 2,518 4,859 8,903 853 1,700 3,164
26 1,410 2,566 4,977 9,220 871 1,743 3,278
27 1,446 2,623 5,156 9,527 891 1,807 3,389
28 1,482 2,685 5,322 9,810 914 1,868 3,492
29 1,519 2,748 5,495 10,097 937 1,930 3,596
30 1,559 2,814 5,675 10,379 960 1,996 3,697
31 1,599 2,881 5,842 10,658 984 2,056 3,799
32 1,642 2,952 6,015 10,930 1,010 2,119 3,898
33 1,686 3,031 6,198 11,197 1,039 2,184 3,993
34 1,732 3,108 6,375 11,455 1,067 2,249 4,087
35 1,780 3,195 6,550 11,718 1,099 2,312 4,183
36 1,830 3,284 6,720 11,998 1,130 2,374 4,283
37 1,881 3,369 6,903 12,295 1,161 2,440 4,391
38 1,934 3,459 7,084 12,636 1,194 2,505 4,514
39 1,988 3,549 7,273 12,998 1,226 2,573 4,646
40 2,047 3,645 7,494 13,363 1,261 2,653 4,777
41 2,104 3,750 7,703 13,797 1,299 2,730 4,934
42 2,166 3,868 7,919 14,261 1,343 2,809 5,107
43 2,237 4,013 8,197 14,791 1,389 2,898 5,275
44 2,312 4,168 8,508 15,326 1,439 2,997 5,445
45 2,389 4,329 8,836 15,861 1,490 3,102 5,613
46 2,469 4,481 9,200 16,455 1,538 3,218 5,800
47 2,552 4,640 9,566 17,041 1,588 3,334 5,983
48 2,638 4,799 9,937 17,609 1,637 3,451 6,159
49 2,727 4,956 10,313 18,191 1,686 3,569 6,338
50 2,819 5,122 10,702 18,803 1,737 3,689 6,525
51 2,903 5,268 11,041 19,338 1,787 3,809 6,713
52 2,991 5,421 11,423 19,899 1,841 3,943 6,908
53 3,082 5,581 11,796 20,475 1,897 4,073 7,110
54 3,175 5,750 12,188 21,088 1,957 4,210 7,325
55 3,273 5,929 12,575 21,733 2,019 4,345 7,551
56 3,374 6,148 12,963 22,448 2,095 4,481 7,800
57 3,479 6,386 13,350 23,299 2,179 4,616 8,099
58 3,590 6,622 13,756 24,210 2,261 4,758 8,418
59 3,705 6,879 14,187 25,144 2,351 4,910 8,745
60 3,826 7,181 14,618 26,114 2,457 5,060 9,084
61 3,950 7,537 15,074 27,124 2,581 5,220 9,437
62 4,081 7,908 15,564 28,236 2,712 5,391 9,827
63 4,217 8,280 16,056 29,405 2,842 5,564 10,236
64 4,358 8,655 16,551 30,634 2,973 5,737 10,666
65 4,506 9,018 17,052 31,930 3,101 5,911 11,120
66 4,661 9,386 17,579 33,280 3,229 6,097 11,593
67 4,821 9,779 18,176 34,652 3,367 6,306 12,073
68 4,987 10,197 18,807 36,028 3,513 6,526 12,554
69 5,157 10,637 19,471 37,452 3,667 6,759 13,053
70 5,334 11,095 20,155 38,885 3,827 6,998 13,554
71 5,516 11,558 20,921 40,345 3,989 7,267 14,065
72 5,703 12,019 21,800 41,862 4,150 7,574 14,595
73 5,895 12,471 22,759 43,503 4,309 7,909 15,170
74 6,088 12,911 23,844 45,089 4,463 8,290 15,725
75 6,286 13,336 25,123 46,716 4,875 9,284 17,438
76 6,497 13,690 26,083 48,417 5,460 10,399 19,530
77 6,713 14,034 27,087 49,854 5,965 11,360 21,334
78 6,950 14,377 28,004 51,297 6,309 12,016 22,564
79 7,196 14,715 28,809 52,738 6,668 12,699 23,844
80 7,464 15,058 29,628 54,199 6,926 13,189 25,175
81 7,742 15,398 30,457 55,668 7,371 14,036 28,493
82 8,055 15,641 31,310 56,917 7,801 14,853 30,094
83 8,379 15,877 32,172 58,174 8,225 15,661 31,672
84 8,716 16,109 33,046 59,436 8,667 16,124 33,308
85 8,980 16,383 33,911 60,523 9,126 16,344 35,013
86 9,206 16,679 34,753 61,607 9,617 16,582 36,835
87 9,391 16,962 35,590 62,704 10,137 16,831 37,991
88 9,486 17,223 36,401 63,811 10,677 16,908 39,172
89 9,534 17,477 37,203 64,846 11,235 16,979 40,373
90 9,583 17,737 38,019 65,840 11,818 17,051 40,766
91 9,613 17,998 38,840 66,792 12,242 17,124 41,074
92 9,643 18,267 39,674 67,725 12,432 17,203 41,369
93 9,673 18,539 40,522 68,499 12,711 17,276 41,655
94 9,704 18,820 41,382 69,252 12,732 17,355 42,243
95 9,733 19,108 42,258 69,970 12,836 17,428 42,515
96 9,763 19,399 43,149 70,760 13,032 17,502 42,774
97 9,793 19,700 44,057 71,457 13,134 17,575 43,016
98 9,823 20,007 44,983 72,152 13,232 17,649 43,244
99 9,854 20,321 45,924 72,938 13,326 17,723 43,637

註： 1) 以附約投保可獲保費減免160港元。 2) 續保保費乃根據被保人續保時的下次生日年齡及當 Remarks: 1) Premiums are reduced by HK$160 for a Rider Plan. 2) The renewal premium will be based on the age next
時適用之保費率而定。保費率並非保證，富衛保留因應索償經驗、醫療通脹及保障改變等因素而隨 birthday of the Insured and the applicable premium rate upon renewal. Such premium rate is not guaranteed and FWD
reserves the right to revise it from time to time based on factors such as the claims experience, medical inflation and
時修訂該保費率之權利。 3) 半年供保費 = 年供保費 x 0.52，月供保費 = 年供保費 x 0.09 4) 如以美 benefit changes over time. 3) Half Yearly Premium = Annual Premium x 0.52, Monthly Premium = Annual Premium x
元為保單貨幣，以上保費之兌換率為1:8（美元：港幣），並下調至最接近整數。 5) 保費表內的保費 0.09. 4) For policies in US Dollars, the exchange rate for the premium above is fixed at 1:8 (USD:HKD) and rounded down
乃按標準費率收費並僅供參考，正確保費必需經本公司承保後方可作實。 to the nearest integer. 5) The premiums in the premium table are calculated based on standard rates and are for
reference only. The actual premium will be determined by us upon policy approval.
Important Notes and Declaration

FWD Life Insurance Company (Bermuda) Limited (“FWD”) must comply with the following requirements
of the Inland Revenue Ordinance to facilitate the Inland Revenue Department automatically
exchanging certain financial account information:

(i) to identify accounts as non-excluded “financial accounts” (“NEFAs”);

(ii) to identify the jurisdiction(s) in which NEFA-holding individuals and NEFA-holding entities reside
for tax purposes;
(iii) to determine the status of NEFA-holding entities as “passive NFEs” and identify the jurisdiction(s)
in which their controlling persons reside for tax purposes;
(iv) to collect information on NEFAs (“Required Information”); and
(v) to furnish Required Information to the Inland Revenue Department.

The Policy Owner must comply with requests made by FWD to comply with the above listed
requirements.

重要事項及聲明
富衛人壽保險 ( 百慕達 ) 有限公司（「富衛」）必須遵從稅務條例的下列規定以便稅務局自動交
換某些財務帳戶資料：

(i) 識辨非豁除「財務帳戶」的帳戶（「非豁除財務帳戶」）；
(ii) 識辨非豁除財務帳戶的個人持有人及非豁除財務帳戶的實體持有人作為稅務居民的司法管轄
區；
(iii) 斷定以實體持有的非豁除財務帳戶為「被動非財務實體」之身份及識辨控權人作為稅務居民
的司法管轄區；
(iv) 收集有關非豁除財務帳戶的資料（「所需資料」）；及
(v) 向稅務局提供所需資料。

保單權益人必須遵從富衛所提出的要求用以符合上述規定。

PMH(CRS)AB1701