Life Goes On. Easy Defender Critical Illness Insurance Series (PMH034CE1404) Underwritten by. Appointed Insurance Agency

Transcription

1 Life Goes On Easy Defender Critical Illness Insurance Series (PMH034CE1404) Appointed Insurance Agency Underwritten by

2 Easy Defender Critical Illness Insurance Plan 1 Easy Defender Critical Illness Insurance Plan Easy Defender Critical Illness Insurance Plan protects you against 54 Crises and 16 Special Diseases. There s no simpler way to shield you against the most common critical illnesses. For your added protection, this plan also offers you Guaranteed Cash Value * and a Special Bonus **. 2 Timely Crisis Care Rider While we hope you never have to deal with a critical illness, we do it all the time. So we know what needs to be done to protect you and your lifestyle. Whether you re starting out with something more basic, or looking to completely protect your way of life, our plans are flexible enough for everyone. Timely treatment is crucial to increase the chance of full recovery when an illness is diagnosed at a less severe stage. With the protection of the Timely Crisis Care Rider covering up to 40 Serious Diseases, you can undergo the best treatment plan for your well-being with ease and at a relatively low premium (but the premium rates are not guaranteed). What s more, on top of the Serious Disease Benefit, this rider offers a Crisis Benefit which will be paid once the Crisis Benefit of the Basic Plan is payable^, giving you extra benefits and more flexibility. 380% protection we ve got you covered. With the Timely Crisis Care Rider and Easy Defender Multiple Benefit Rider, Easy Defender series gives you up to 380% protection to keep you at ease. Here s how it works: Let s say a Serious Disease is diagnosed, the Timely Crisis Care Rider will pay out a maximum of 50% + of the Basic Plan sum insured. If a critical illness is then found, a full 100% sum insured will be paid out from the Basic Plan for a total of 150%. In the event of a second critical illness, the Easy Defender Multiple Benefit Rider will cover you another 110% sum insured of the Basic Plan, bringing the total to 260%; and should a third crisis be diagnosed, the Rider will pay out another 120% of the Basic Plan sum insured, for a grand total of 380% protection. (The figures shown above are for illustrative purposes only. Limitation of benefits and exclusions apply, please refer to the respective Provisions for details.) + Maximum Sum Insured of Timely Crisis Care Rider: 50% of the sum insured of the Basic Plan, subject to a maximum of US$62,500 / HK$500,000 (per life) We think of everything, so you don t have to. 3 Easy Defender Multiple Benefit Rider There is always a fair chance that a crisis strikes more than once. This rider offers 2 Crisis Benefits on top of the Crisis Benefit of the Basic Plan *** up to age 100. The 2 benefit amounts will be automatically upgraded to 110% and 120% of the Basic Plan s sum insured respectively ****. Comprehensive Protection Before and After Critical Illness Timely Crisis Care Rider # Serious Disease 100% of the sum insured of this rider (Serious Disease Benefit)^ or Critical Illness 100% of the sum insured of this rider (Crisis Benefit)^ Easy Defender Critical Illness Insurance Plan ( Basic Plan ) Critical Illness 100% of the sum insured (Crisis Benefit)^^ Special Disease 20% of the sum insured (Special Disease Benefit) ## Easy Defender Multiple Benefit Rider # Diagnosis of Critical Illness again after the first Crisis claim from Basic Plan Additional 2 Crisis Benefits *** The 2 benefits will be 110% and 120% of the sum insured of the Basic Plan respectively **** Limitation of benefits and exclusions apply, please refer to the relevant Provisions for details. * Guaranteed Cash Value is payable upon surrender of the policy. It will be reduced on a pro rata basis if any advance payment on Special Diseases is made. ** The Special Bonus will be payable when the Basic Plan has been in force for 5 years or more upon crisis claim, death claim, surrender or maturity of the policy. It is a non-guaranteed payment and is subject to review and adjustment by the Company from time to time at the Company s absolute discretion. A proportionate Special Bonus, if any, will be also paid upon payment of the Special Disease Benefit. *** Subject to further conditions, please refer to the relevant product brochure and Provisions for details. **** Terminal Illness and Coma are not under the coverage of Easy Defender Multiple Benefit Rider. In addition, the Basic Plan and all riders (if any) will be terminated upon Crisis claim on Terminal Illness or Coma. # You may attach Timely Crisis Care Rider and Easy Defender Multiple Benefit Rider to the Basic Plan separately. ^ Only Serious Disease Benefit or Crisis Benefit is payable under Timely Crisis Care Rider and shall be paid once only. If the Crisis Benefit of the Basic Plan is paid due to Terminal Illness, the Crisis Benefit of Timely Crisis Care Rider will not be payable. ^^ The Crisis Benefit of the Basic Plan is payable once only. Once the Crisis Benefit is paid, the Basic Plan and the riders (except the Easy Defender Multiple Benefit Rider, if any) will be terminated. If the Crisis Benefit of the Basic Plan is paid due to Terminal Illness or Coma, the Basic Plan and all riders, including the Easy Defender Multiple Benefit Rider if any, will be terminated automatically. ## Only the Basic Plan provides a coverage for 10 Adult Special Diseases from age 18 up to age 85 and 6 Juvenile Special Diseases from age 1 (15 days) to age 17. Advance payment of 20% of the sum insured of the Basic Plan will be paid once only and is subject to a maximum of US$30,000 / HK$240,000, after which the sum insured, premium, Guaranteed Cash Value and Special Bonus of the Basic Plan will be adjusted accordingly. However, the sum insured of Timely Crisis Care Rider and Easy Defender Multiple Benefit Rider (if any) will not be adjusted. If the Insured has more than one Basic Plan with a similar or related Benefit, the total payment shall in no case exceed the maximum amount as stated above.

3 We ve got more than your health covered. Life is about more than just getting by it s about thriving. That s why Easy Defender Critical Illness Insurance Plan gives you maximum coverage, flexibility, care for your family, and choice. With all these, who wouldn t feel free to go out and live life to the full? Broad Coverage for Your Health With a wide range of coverage against 54 Crises and 16 Special Diseases (6 of which are specially covered for juveniles) 1,2, there s no simpler way to achieve broad coverage against critical illnesses right away. Extra Care for Your Family The Plan offers you Guaranteed Cash Value 3 and a Special Bonus 4. In the event of death before the policy matures, your beneficiary will receive financial support in the form of the sum insured plus a Special Bonus 4, less any payment of Special Disease Benefit, to take care of your loved ones in difficult times. Maximum Flexibility for Your Financial Planning You can choose from among 10, 15 or 20 years fixed premium payment terms for protection up to age 100, and also pay level premiums (but the premium rates are not guaranteed) to get the best for your financial planning. More Freedom at Your Choice As part of our promise of care, upon diagnosed with one of the covered Crisis, we provide you with access to some of the highest-ranked medical institutions in the U.S. for a second medical opinion 5. Through the service, you can receive professional opinion you need by having easy access to the best physicians available. Easy Defender Critical Illness Insurance Plan 10 / 15 / 20 Premium Payment Period 10 years 15 years 20 years Issue Age (Age Next Birthday) 1(15 days) 65 1(15 days) 60 1(15 days) 55 No. of Crisis Covered 54 Crises + 16 Special Diseases (including 6 Juvenile Special Diseases) Policy Term To age 100 Premium Structure Level but the premium rates are not guaranteed 6 Currency USD / HKD Minimum Sum Insured US$15,000 / HK$120,000 (per policy) Maximum Sum Insured US$1,250,000 / HK$10,000,000 7 (per life) Premium Payment Mode Death Benefit Crisis Benefit 8 Monthly / Semi-annually / Annually 100% of the sum insured plus Special Bonus (if any) minus Special Disease Benefit Paid (if any) and any amount due to the Company 100% of the sum insured plus Special Bonus (if any) minus Special Disease Benefit Paid (if any) and any amount due to the Company 20% of the sum insured (subject to a maximum of US$30,000 Special Disease Benefit 1,2 / HK$240,000) plus a proportionate Special Bonus (if any) and minus any amount due to the Company Guaranteed Cash Value 3 Payable upon surrender of the Basic Plan Payable upon death claim, crisis claim, special disease claim, surrender Special Bonus 4 or maturity of the Basic Plan Others Second Medical Opinion Service 5 Limitation of benefits and exclusions apply, please refer to the Provisions of Easy Defender Critical Illness Insurance Plan for details. Remarks: 1. Only the Basic Plan provides coverage for 10 Adult Special Diseases from age 18 up to age 85 and 6 Juvenile Special Diseases from age 1 (15 days) to age Advance payment of 20% of the sum insured of the Basic Plan will be paid once only and is subject to a maximum of US$30,000 / HK$240,000, after which the sum insured, premium, Guaranteed Cash Value and Special Bonus will be adjusted accordingly. If the Insured has more than one Basic Plan with a similar or related benefit, the total payment shall in no case exceed the maximum amount given above. 3. Guaranteed Cash Value is payable upon surrender of the policy. It will be reduced on a pro rata basis if any advance payment on Special Diseases is made. 4. The Special Bonus will be payable when the Basic Plan has been in force for 5 years or more upon crisis claim, death claim, surrender or maturity of the policy. It is a non-guaranteed payment and is subject to review and adjustment by the Company from time to time at the Company s absolute discretion. A proportionate Special Bonus, if any, is also paid upon payment of the Special Disease Benefit. 5. The Second Medical Opinion Service is provided by International SOS. Details of the service and charges may be reviewed from time to time. 6. Premium rates are not guaranteed and the Company reserves the right to review the premium rates from time to time. 7. Subject to the aggregate maximum sum insured per life of all designated critical illness policies, which is determined by the Company s then rules and regulations. 8. The Crisis Benefit of Easy Defender Critical Illness Insurance Plan is payable once only. Once the Crisis Benefit is paid, Easy Defender Critical Illness Insurance Plan and the riders (except the Easy Defender Multiple Benefit Rider, if any) will be terminated. If the Crisis Benefit of the Basic Plan is paid due to Terminal Illness or Coma, the Basic Plan and all riders, including the Easy Defender Multiple Benefit Rider if any, will be terminated automatically. The above information is for reference only and is indicative of the key features of the Basic Plan and the riders. For a complete explanation of the terms and conditions, please refer to the relevant 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. Be well, stay well, only with FWD. We all know it s no fun to be sick in the first place. That s why FWD brings you the critical illness insurance program in Hong Kong with a Wellness Program designed for you to avoid illness, so you can just live life the way you want to. 1. Disease Management Program Health is wealth. You can always succeed with good health, as it gives you the drive and strength to accomplish any set goal, live happily with your loved ones and enjoy your achievements. Living healthily is your choice, and prevention is better than cure. Our Disease Management Program assists you to maintain good health condition through early detection and timely control. FWD s Disease Management Program has various courses tailored to suit you best. You will be rewarded upon completion of the program Free Medical Check-up ++ Easy Defender Critical Illness Insurance Plan with Easy Defender Multiple Benefit Rider offers you 5 Free Medical Check-ups biannually, enabling you to know your health status better and have preventative treatments in place. + Reward is only applicable to designated disease management programs and is subject to terms and conditions as stated in the Disease Management Program Coupon. ++ Only applicable to Easy Defender Multiple Benefit Rider attaching to Easy Defender Critical Illness Insurance Plan. The medical check-up will be available on each of the 2 nd, 4 th, 6 th, 8 th and 10 th anniversaries of the Easy Defender Multiple Benefit Rider if all due premiums of Easy Defender Critical Illness Insurance Plan and this rider are paid. In addition, it is only applicable if the age (age next birthday) of the Insured is 18 or above on the issue date of the Easy Defender Multiple Benefit Rider. The Free Medical Check-up is subject to terms and conditions as stated in the Free Medical Check-up Coupon.

4 List of 54 Crises covered under Easy Defender Critical Illness Insurance Plan Group 1: Cancer Cancer Group 2: Illnesses related to Organ Failure Aplastic Anaemia Fulminant Hepatitis Medullary Cystic Disease Chronic Liver Disease HIV Due to Blood Transfusion Occupationally Acquired HIV End Stage Lung Disease Major Organ Transplantation (lung, pancreas, liver, bone marrow) Group 3: Illnesses related to Circulatory System Cardiomyopathy Heart Valve Surgery Primary Pulmonary Arterial Hypertension Coronary Artery Disease Surgery Infective Endocarditis Stroke Eisenmenger s Syndrome Kidney Failure Surgery to Aorta Heart Attack Major Organ Transplantation (kidney, heart) Group 4: Illnesses related to Nervous System Alzheimer s Disease Loss of Hearing* Poliomyelitis Apallic Syndrome Major Head Trauma Progressive Bulbar Palsy Bacterial Meningitis Motor Neurone Disease Progressive Muscular Atrophy Benign Brain Tumour Multiple Sclerosis Progressive Supranuclear Palsy Blindness Muscular Dystrophy Severe Myasthenia Gravis Creutzfeldt-Jakob Disease Paralysis Encephalitis Parkinson s Disease Group 5: Other Major Illnesses Chronic Adrenal Insufficiency Elephantiasis Pheochromocytoma Chronic Relapsing Pancreatitis Loss of Limbs Severe Rheumatoid Arthritis Coma # Loss of Speech Systemic Sclerosis Crohn s Disease Major Burns Terminal Illness # Ebola Hemorrhagic Fever Necrotizing Fasciitis Ulcerative Colitis Adult: For attained age 18 to 85 List of 16 Special Diseases covered under Easy Defender Critical Illness Insurance Plan^ Angioplasty Carcinoma-in-Situ of the Ovary Carcinoma-in-Situ of the Vagina Carcinoma-in-Situ of the Breast Carcinoma-in-Situ of the Prostate Systemic Lupus Erythematosus Carcinoma-in-Situ of the Cervix Uteri Carcinoma-in-Situ of the Testes Carcinoma-in-Situ of the Fallopian Tube Carcinoma-in-Situ of the Uterus Juvenile: For attained age 1 (from 15 days) to 17 Autism Rheumatic Fever with Valvular Impairment Still s Disease Kawasaki Disease Severe Asthma Type 1 Diabetes Mellitus * The claim for Loss of Hearing will only be paid if at the time of diagnosis the Insured is aged 3 or above. # The Basic Plan and all riders (including Easy Defender Multiple Benefit Rider, if any) will be terminated upon Crisis claim on Terminal Illness or Coma. ^ Upon the diagnosis of the covered Special Diseases, an advance payment of 20% of the sum insured of the Basic Plan will be paid once only and is subject to a maximum of US$30,000 / HK$240,000, after which the sum insured, premium, Guaranteed Cash Value and Special Bonus will be adjusted accordingly. If the Insured has more than one Basic Plan with a similar or related benefit, the total Special Disease payment shall in no case exceed the maximum amount as stated. Note: Benefits relating to Crisis and Special Diseases are payable according to the Definition of Crisis and Special Disease as set out in the policy. Important Notes and Declarations: Easy Defender Critical Illness Insurance Series include the basic plan - Easy Defender Critical Illness Insurance Plan (the Plan ), and the optional riders - Easy Defender Multiple Benefit Rider and Timely Crisis Care Rider (the Riders of the Plan ). The Plan and/or the Riders of the Plan are underwritten by FWD Life Insurance Company (Bermuda) Limited ( FWD ). FWD is solely responsible for all features, policy approval, coverage and benefit payment under the Plan and/or the Riders of the Plan. Application of the Plan and/or the optional application of any Riders of the Plan, and all benefits payable under the Plan and/or the Riders of the Plan are subject to the credit risk of FWD. Bank of Communications Co., Ltd. Hong Kong Branch ( Bank of Communications ) is an appointed insurance agent of FWD. This Brochure is issued by FWD and distributed by Bank of Communications. FWD accepts full responsibility for accuracy of the information contained in this Brochure. FWD recommends you to carefully consider whether the Plan and/or the Riders of the Plan are suitable for you in view of your financial needs and fully understand the risk involved in the Plan and/or the Riders of the Plan before application. You should not apply or purchase the Plan and/or the Riders of the Plan unless you fully understand it and you agree it is suitable for you. Application of the Plan and/or the Riders of the Plan is your independent and final decision and you need to bear the responsibility of your decision. This Brochure is for reference only. For the exact terms and conditions and the full list of exclusions of the Plan and/or the Riders of the Plan, please refer to the policy provisions of the Plan and/or the Riders of the Plan. In case you want to read the terms and conditions of the policy provisions, you can obtain a copy from FWD through Bank of Communications. The Plan and/or the Riders of the Plan are insurance products. The premium paid is used for the costs of insurance and the related costs of the policy. The premium paid is not bank savings deposit or time deposit. The Plan and/or the Riders of the Plan are not protected under the Deposit Protection Scheme in the Hong Kong Special Administrative Region. If you are not satisfied with the policy, you have the right to cancel it 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) by giving a written notice and obtain a refund of any premium paid, provided that you have not made any claims under the policy. If you want to cancel the policy within the Cooling-off Period, you must give the written notice with your signature to the office of FWD and ensure that such notice must be received by FWD on or before the expiry date of the Cooling-off Period. The office address of FWD is 1/F., FWD Financial Centre, 308 Des Voeux Road Central, Hong Kong. This Brochure is intended to be distributed in the Hong Kong Special Administrative Region only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance products of FWD outside the Hong Kong Special Administrative Region. All selling and application procedures of the Plan and/or the Riders of the Plan must be conducted and completed in the Hong Kong Special Administrative Region. FWD is based on the information provided by the applicant and the Insured to decide whether to accept or decline any application and FWD reserves the right to accept or decline any application. The policy provisions of the Plan and/or the Riders of the Plan are governed by the laws of the Hong Kong Special Administrative Region. FWD Life Insurance Company (Bermuda) Limited Address: 28/F., FWD Financial Centre, 308 Des Voeux Road Central, Hong Kong Phone: customerservices@fwd.com Fax: Website: For enquiries, please contact Bank of Communications Co., Ltd. Hong Kong Branch and their sub-branches.

5 Life Goes On Easy Defender Multiple Benefit Rider Easy Defender Critical Illness Insurance Plan (PMH036CE1404) Appointed Insurance Agency Underwritten by

6 Easy Defender Multiple Benefit Rider After a critical illness, you don t want to worry about another incident you want to get out there and eat, drink, and be merry! That s why this rider gives you coverage for multiple crises, and loads of other benefits to help you live life to the full. Broader protection with up to 3 Crisis Benefits 1 You can stay relaxed in case a crisis comes back after your first triumph because Easy Defender Critical Illness Insurance Plan or designated basic plans 2 ( Basic Plan ), together with Easy Defender Multiple Benefit Rider, offers up to a maximum of 3 Crisis Benefits (including 3 Cancer claims) up to age 100. Better financial support with increasing protection As you need more protection when you move forward in your life progression, we give you stronger and more comprehensive coverage. For your 2 nd and 3 rd Crisis Benefits, the protection will be automatically upgraded to 110% and 120% of Sum Insured respectively. Higher flexibility with premium exemption We understand the situation a critical illness will bring about. For timely financial relief, upon the payment of your first Crisis Benefit from the Basic Plan, the premium of the Easy Defender Multiple Benefit Rider will be waived till the expiry of the Rider. More freedom with alternative medical advice 3 As part of our promise of care, we provide you with access to some of the highest ranked medical institutions in the U.S. for a second medical opinion, which allows you to obtain alternative advice on your medical condition in the event that you have been diagnosed with one of the Crises covered. Through the service, you can receive the professional opinion you need by having easy access to the best physicians available. 4, 5, 6 Further care with Free Medical Check-up Easy Defender Critical Illness Insurance Plan, together with Easy Defender Multiple Benefit Rider, will offer you 5 Free Medical Check-ups biannually, enabling you to know your health status better and have preventive treatment in place.

7 List of 52 Crises covered under Easy Defender Multiple Benefit Rider Group 1: Cancer Cancer Group 2: Illnesses related to Organ Failure Aplastic Anaemia HIV Due to Blood Transfusion Chronic Liver Disease Major Organ Transplantation (lung, pancreas, liver, bone marrow) End Stage Lung Disease Medullary Cystic Disease Fulminant Hepatitis Occupationally Acquired HIV Group 3: Illnesses related to Circulatory System Cardiomyopathy Kidney Failure Coronary Artery Disease Surgery Major Organ Transplantation (kidney, heart) Eisenmenger s Syndrome * Primary Pulmonary Arterial Hypertension Heart Attack Stroke Heart Valve Surgery Surgery to Aorta Infective Endocarditis * Group 4: Illnesses related to Nervous System Alzheimer s Disease Apallic Syndrome Bacterial Meningitis Benign Brain Tumour Blindness Creutzfeldt-Jakob Disease^ Encephalitis Multiple Sclerosis Muscular Dystrophy Paralysis Parkinson s Disease Poliomyelitis Progressive Bulbar Palsy Progressive Muscular Atrophy Loss of Hearing # Progressive Supranuclear Palsy * Major Head Trauma Severe Myasthenia Gravis * Motor Neurone Disease Group 5: Other Major Illnesses Chronic Adrenal Insufficiency * Major Burns Chronic Relapsing Pancreatitis Necrotizing Fasciitis * Crohn s Disease^ Pheochromocytoma * Ebola Hemorrhagic Fever * Severe Rheumatoid Arthritis Elephantiasis^ Systemic Sclerosis * Loss of Limbs^ Loss of Speech Ulcerative Colitis # The claim for Loss of Hearing will only be paid if at the time of diagnosis the Insured is aged 3 or above. * For the Crisis marks with an asterisk ( * ), FWD will pay the Crisis Benefit only if the Basic Plan is Easy Defender Critical Illness Insurance Plan. ^ For the Crisis marks with a caret (^), FWD will not pay the Crisis Benefit if the Basic Plan is Crisis Fighter. Note: All benefits relating to Crisis are payable according to the definition documents attached to the relevant policy.

8 Easy Defender Multiple Benefit Rider 1 Plan Type: Rider Issue Age (Age Next Birthday): 1(15 days) 65 No. of Crisis Covered: 52 Crises 7 Premium Payment Period: To age 100 Policy Term: To age 100 Premium Structure: Level but the premium rates are not guaranteed 8 Currency: Must be the same as the Basic Plan Sum Insured: Must be the same as the Basic Plan Premium Payment Mode: Must be the same as the Basic Plan Crisis Benefit 1 : 2 nd crisis claim 110% of Sum Insured 3 rd crisis claim 120% of Sum Insured Limitation of benefits and exclusions apply, please refer to the Policy Provisions of the relevant Basic Plan and Easy Defender Multiple Benefit Rider for details. Note: 1. The coverage under Easy Defender Multiple Benefit Rider (if any) will be provided to the insured after the first Crisis claim ( Claim ) has been paid under the Basic Plan. 110% and 120% of the Sum Insured of the Rider or the latest Sum Insured endorsed as an attachment to the Rider will be paid for the 2 nd and 3 rd eligible Claims, respectively, subject to the following conditions: i. Each of the Crisis claims under the Basic Plan and this Rider shall fall within different groups of Crisis as classified in the Policy Provisions and shall be payable only once except for the claim for Cancer; ii. If the immediately preceding Claim is from Group 1 and the subsequent Claim is from Group 1 or Group 2, a 5-year Cancer-free Period** is required before the subsequent Claim can be made; if the subsequent Claim is from Group 3, 4 or 5, the diagnosis of the subsequent Crisis shall be at least one year after the diagnosis of the Crisis of the immediately preceding Claim; iii. If the immediately preceding Claim is from Group 2 to 5, the diagnosis of the subsequent Crisis shall be at least one year after the diagnosis of the Crisis of the immediately preceding Claim; iv. The insured survives for at least 30 days from the date of the first diagnosis of the Crisis of each Claim; v. This Rider will be terminated in case the claim for the diagnosis of Terminal Illness or Coma (as defined under the Policy Provisions) is paid under the Basic Plan; and vi. Terminal Illness and Coma as defined under the Policy Provisions are excluded in this Rider. ** The 5-year Cancer-free Period must be confirmed by the insured s medical practitioner for the whole duration of the last 5-year Period and supported by clinical, radiological, histological and laboratory evidence to confirm the cancer-free state. The 5-year Cancer-free Period shall start on the date of completion of treatment of cancer, which shall include any surgery, chemotherapy, radiation therapy, immunotherapy, monoclonal antibody therapy or other conventional cancer treatments that have been used as prescribed by the insured s medical practitioner. 2. The designated basic plans are determined by the Company and are subject to the Company s then rules and regulations. 3. The Second Medical Opinion Service is provided by International SOS. Details of the service and charges may be reviewed from time to time. 4. Only applicable when Easy Defender Multiple Benefit Rider attaching to Easy Defender Critical Illness Insurance Plan. The medical check-up will be available on each of the 2 nd, 4 th, 6 th, 8 th and 10 th anniversaries of the Easy Defender Multiple Benefit Rider if all due premiums of Easy Defender Critical Illness Insurance Plan and the rider are paid. 5. Only applicable if the age (age next birthday) of the Insured is 18 or above on the issue date of the Easy Defender Multiple Benefit Rider. 6. The Free Medical Check-up is subject to terms and conditions as stated in the Free Medical Check-up Coupon. 7. Only applicable if the Basic Plan is Easy Defender Critical Illness Insurance Plan. 8. Premium rates are not guaranteed and the Company reserves the right to review the premium rates from time to time. The above information is for reference only and is indicative of the key features of the Rider. 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. Important Notes and Declarations: Basic Plan and/or Easy Defender Multiple Benefit Rider (the Rider ) are underwritten by FWD Life Insurance Company (Bermuda) Limited ( FWD ). FWD is solely responsible for all features, policy approval, coverage and benefit payment under Basic Plan and/or the Rider. Application of Basic Plan and/or the Rider, and all benefits payable under the Basic Plan and/or the Rider are subject to the credit risk of FWD. The Rider could be attached to the designated Basic Plan only. Designated Basic Plan is determined by FWD and could be changed from time to time subject to the decision of FWD. Bank of Communications Co., Ltd. Hong Kong Branch ( Bank of Communications ) is an appointed insurance agent of FWD. This Brochure is issued by FWD and distributed by Bank of Communications. FWD accepts full responsibility for accuracy of the information contained in this Brochure. FWD recommends you to carefully consider whether Basic Plan and/or the Rider are suitable for you in view of your financial needs and fully understand the risk involved in Basic Plan and/or the Rider before application. You should not apply or purchase Basic Plan and/or the Rider unless you fully understand it and you agree it is suitable for you. Application of Basic Plan and/or the Rider is your independent and final decision and you need to bear the responsibility of your decision. This Brochure is for reference only. For the exact terms and conditions and the full list of exclusions of Basic Plan and/or the Rider, please refer to the policy provisions of Basic Plan and/or the Rider. In case you want to read the terms and conditions of the policy provisions, you can obtain a copy from FWD through Bank of Communications. Basic Plan and/or the Rider are insurance products. The premium paid is used for the costs of insurance and the related costs of the policy. The premium paid is not bank savings deposit or time deposit. Basic Plan and/or the Rider are not protected under the Deposit Protection Scheme in the Hong Kong Special Administrative Region. This Brochure is intended to be distributed in the Hong Kong Special Administrative Region only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance products of FWD outside the Hong Kong Special Administrative Region. All selling and application procedures of Basic Plan and/or the Rider must be conducted and completed in the Hong Kong Special Administrative Region. FWD is based on the information provided by the applicant and the Insured to decide whether to accept or decline any application and FWD reserves the right to accept or decline any application. The policy provisions of Basic Plan and/or the Rider are governed by the laws of the Hong Kong Special Administrative Region. FWD Life Insurance Company (Bermuda) Limited Address: 28/F., FWD Financial Centre, 308 Des Voeux Road Central, Hong Kong Phone: customerservices@fwd.com Fax: Website: For enquiries, please contact Bank of Communications Co., Ltd. Hong Kong Branch and their sub-branches.

9 Life Goes On Timely Crisis Care Rider Easy Defender Critical Illness Insurance Plan (PMH035BE1404) Appointed Insurance Agency Underwritten by

10 Timely Crisis Care Rider When you re ill, waiting is the last thing you want to do. After all, you want to get back to living life as soon as possible! And we all know that early treatment is the best treatment, so that s why the Timely Crisis Care Rider gives you fast financial relief and more to get you back on your feet and ready to rock. Instant Financial Aid Timely treatment is crucial to increase the chance of full recovery when an illness is diagnosed at a less severe stage. With the protection of Timely Crisis Care Rider covering up to 40 Serious Diseases, you can commence the best treatment plan for your well-being with ease. Double Shield On the top of the Serious Disease Benefit, this Rider offers Crisis Benefit which will be paid once the Crisis Benefit of the basic plan is payable 1,2,3, giving you extra benefits and more degree of flexibility. All-round Care With coverage broadened to less critical conditions, you have the peace of mind to face any challenge, anywhere, anytime. Timely Crisis Care Rider offers you such comprehensive protection up to age 85 2, safeguarding you through stages where you need the assurance most. Extended Protection at a Relatively Low Premium More protection does not necessarily come with immense premium. The extension of protection to less severe crises can be obtained at a relatively low premium where it remains level (but the premium rates are not guaranteed) throughout the policy term 4, a budget that fits in your financial plan!

11 Group 1: Cancer Serious Diseases covered in Timely Crisis Care Rider Carcinoma-in-situ or Early Stage Malignancy of Specific Organs (i) Nasopharynx (ii) Stomach and Esophagus (iii) Lung (v) Colon and Rectum (vi) Urinary Tract (for the purpose of in-situ cancer of the bladder, stage Ta of papillary carcinoma is included) (vii) Penis (iv) Liver Group 2: Illnesses related to Organ Failure Acute Aplastic Anaemia Biliary Tract Reconstruction Surgery Liver Surgery Skin Transplantation Surgical Removal of One Kidney Surgical Removal of One Lung Group 3: Illnesses related to Circulatory System Carotid Artery Surgery Early Cardiomyopathy Early Renal Failure Insertion of a Vena-cava Filter Minimally Invasive Surgery to Aorta Percutaneous Valve Surgery Pericardectomy Secondary Pulmonary Hypertension Keyhole Coronary Bypass Surgery Group 4: Illnesses related to Nervous System Cochlear Implant Surgery Early Multiple Sclerosis Early Progressive Bulbar Palsy Early Progressive Muscular Atrophy Less Severe Encephalitis Loss of Sight in One Eye Moderately Severe Alzheimer s Disease Moderately Severe Brain Damage Moderately Severe Muscular Dystrophy Moderately Severe Paralysis Moderately Severe Parkinson s Disease Moderately Severe Poliomyelitis Surgery for Subdural Haematoma Surgical Removal of Pituitary Tumour Moderately Severe Bacterial Meningitis Group 5: Other Major Illnesses Acute Necrohemorrhagic Pancreatitis Adrenalectomy for Adrenal Adenoma Coma for 72 Hours Crohn s Disease (Regional Enteritis) Loss of Speech due to Vocal Cord Paralysis Moderately Severe Burns Moderately Severe Rheumatoid Arthritis Severance of One Limb Early Elephantiasis Note: Benefits relating to Serious Disease are payable according to the Definition of Serious Disease as set out in the policy.

12 Timely Crisis Care Rider Plan Type: Rider Issue Age (Age Next Birthday): 1(15 days) 65 No. of Serious Disease Covered: 40 Premium Payment Period: To age 85 Policy Term: To age 85 Premium Structure: Level but the premium rates are not guaranteed 4 Currency: Must be the same as the basic plan Minimum Sum Insured: US$7,500 / HK$60,000 (per policy) Maximum Sum Insured 5 : 50% of the sum insured of the basic plan, subject to a maximum of US$62,500 / HK$500,000 (per life) Premium Payment Mode: Must be the same as the basic plan Serious Disease Benefit 3 : 100% of the sum insured Crisis Benefit 1,3 : 100% of the sum insured Limitation of benefits and exclusions apply, please refer to the Provisions of Timely Crisis Care Rider for details. Note: 1. The Crisis Benefit of this Rider will be payable if the Crisis Benefit of the basic plan is payable. However, if the Crisis benefit of the basic plan is paid due to Terminal Illness, the Crisis Benefit of this Rider will not be payable. You can refer to the product brochure of the basic plan regarding the covered crises list of the basic plan. Crisis Benefit is payable according to the definition documents attached to the basic plan s policy. 2. This Rider will automatically terminate on the occurrence of the earliest of the following events: (i) when the Rider or the basic plan to which it is attached terminates; (ii) when the Rider or the basic plan to which it is attached surrenders; (iii) when either Serious Diseases Benefit or Crisis Benefit is paid; (iv) on its policy anniversary immediately preceding the insured s 85 th birthday; (v) the end of the grace period of any premium due and not received by FWD, or (vi) upon the death of the insured. 3. Only Serious Disease Benefit or Crisis Benefit is payable under this Rider and shall be paid once only. The insured must survive for at least 30 days from the date of first diagnosis of the serious diseases under this Rider or the crises under the basic plan (as the case may be) in order to be eligible to claim for the relevant benefit. 4. Premium rates are not guaranteed and the Company reserves the right to review the premium rates from time to time. 5. Subject to the aggregate maximum sum insured per life of all designated critical illness policies, which is determined by FWD s then rules and regulations. The above information is for reference only and is indicative of the key features of the Rider. 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. Important Notes and Declarations: Basic Plan and/or Timely Crisis Care Rider (the Rider ) are underwritten by FWD Life Insurance Company (Bermuda) Limited ( FWD ). FWD is solely responsible for all features, policy approval, coverage and benefit payment under Basic Plan and/or the Rider. Application of Basic Plan and/or the Rider, and all benefits payable under the Basic Plan and/or the Rider are subject to the credit risk of FWD. The Rider could be attached to the designated Basic Plan only. Designated Basic Plan is determined by FWD and could be changed from time to time subject to the decision of FWD. Bank of Communications Co., Ltd. Hong Kong Branch ( Bank of Communications ) is an appointed insurance agent of FWD. This Brochure is issued by FWD and distributed by Bank of Communications. FWD accepts full responsibility for accuracy of the information contained in this Brochure. FWD recommends you to carefully consider whether Basic Plan and/or the Rider are suitable for you in view of your financial needs and fully understand the risk involved in Basic Plan and/or the Rider before application. You should not apply or purchase Basic Plan and/or the Rider unless you fully understand it and you agree it is suitable for you. Application of Basic Plan and/or the Rider is your independent and final decision and you need to bear the responsibility of your decision. This Brochure is for reference only. For the exact terms and conditions and the full list of exclusions of Basic Plan and/or the Rider, please refer to the policy provisions of Basic Plan and/or the Rider. In case you want to read the terms and conditions of the policy provisions, you can obtain a copy from FWD through Bank of Communications. Basic Plan and/or the Rider are insurance products. The premium paid is used for the costs of insurance and the related costs of the policy. The premium paid is not bank savings deposit or time deposit. Basic Plan and/or the Rider are not protected under the Deposit Protection Scheme in the Hong Kong Special Administrative Region. This Brochure is intended to be distributed in the Hong Kong Special Administrative Region only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance products of FWD outside the Hong Kong Special Administrative Region. All selling and application procedures of Basic Plan and/or the Rider must be conducted and completed in the Hong Kong Special Administrative Region. FWD is based on the information provided by the applicant and the Insured to decide whether to accept or decline any application and FWD reserves the right to accept or decline any application. The policy provisions of Basic Plan and/or the Rider are governed by the laws of the Hong Kong Special Administrative Region. FWD Life Insurance Company (Bermuda) Limited Address: 28/F., FWD Financial Centre, 308 Des Voeux Road Central, Hong Kong Phone: customerservices@fwd.com Fax: Website: For enquiries, please contact Bank of Communications Co., Ltd. Hong Kong Branch and their sub-branches.