Club Care

A Cancer Plan that Supplements your Group Medical Cover

An all-round cancer protection plan which allows you to convert to a designated full medical reimbursement plan under designated conditions without providing further health evidence, catering to your medical needs and empowering you to face challenges at all stages of your life.

3 Reasons To Buy

All Round Cancer Protection

Lifetime Cancer Limit¹ as high as HK$1,500,000. Full cover for hospitalisation and cancer treatment expenses

Online Application

You can apply completely online by answering 2 simple health questions. No medical examination and proof of health are required

Renewable Until Age 100 on your next birthday

Regardless of the deterioration in your health, financial condition and claims history, FWD will renew your policy until age 100² on your next birthday

Cope with Your Changing Needs (1)

Job Changer Benefit³ - Enjoy temporary cover under a designated full medical reimbursement plan when you switch jobs while without group medical cover

Cope with Your Changing Needs (2)

Special Event Benefit⁴ - Premium can be waived for 1 year when you wish to pursue further education, undertake a working holiday or become involuntarily unemployed

Cope with Your Changing Needs (3)

Extended Grace Period Benefit⁵ - Premium can be deferred up to 1 year when you get married or give birth to a child

Cope with Your Changing Needs (4)

Convertibility Option⁶ - Convertibility Option6 – You can convert your CANsurance Cancer Protection Plan to a designated full medical reimbursement plan between actual age of 38 and 64 by calling FWD Service Hotline at 3123 3123. (vCANsurance Medical Plan (a VHIS Certified Plan, Certification Number: F00051) is currently the designated full medical reimbursement plan of CANsurance Cancer Protection Plan). FWD is a VHIS provider with registration number 00036.

Extra Professional Support

Provides you with diversified healthcare professional consultations, to help you in your path to full recovery

Subsidises your transportation expenses during cancer treatment

One-stop “CANcierge”

Customised one-stop services specifically for your needs with professional health management team CANcierge⁷ when you are diagnosed with Covered Cancer⁸ – from cancer treatment and hospitalisation, to post-treatment supportive therapies and consultation. CANcierge Hotline for Hong Kong: (852) 8120 9066.

Apply now

You will be diverted to an external website or application which contains goods and services provided by third parties and not HKT Care (“HKT Care”). HKT Care has no control over and makes no representations or warranties regarding the accuracy, content, completeness, legality, reliability, operability or availability of information or materials displayed on such website or application. All materials, information, products and services included therein are provided “as is”, “with all faults”, “as is and when available”, with no warranties whatsoever. HKT Care disclaims to the fullest extent permitted by law all express, implied and statutory warranties, including without limitation, the warranties of merchantability, fitness for a particular purpose, freedom from computer virus, title, and non-infringement of proprietary rights. You agree that the use of such website or application is entirely at your own risk. HKT Care has no control over the quality, accuracy, completeness or legality of the content, goods and services and disclaims and accepts no liability in relation to the same whatsoever and fully disclaims any and all liability for the same and excludes all liability and warranties for the same.

You agree to hold harmless and indemnify, and upon request of HKT Financial Services (IA) Limited, its parents, subsidiaries, and affiliates, and their respective owners, officers, managers, members, agents, and employees, from and against any third party claim arising from or in any way related to your use of or conduct on such website or application, including any liability or expense arising from all claims, liabilities, losses, damages (actual and consequential), suits, judgments, litigation costs, expenses, and legal fees, of every kind and nature.

Product Brochure

Policy Provisions

Brochure of CANcierge

Benefit Schedule

Area of Cover	Room Level of Hospitalisation
Asia⁹	Standard Ward Room¹⁰

A. Cancer benefits	Benefit limit (in HKD)
Diagnostic Benefit	Full Cover
Cancer Treatment Benefits - Hospitalisation and Surgical Benefits - Treatment Benefits	Full Cover
Reconstructive Surgery Benefit (head or breast)	Full Cover
Monitoring Benefit (up to 5 years since completion of active treatment)	Full Cover
Per Covered Cancer Limit¹¹	$500,000
Lifetime Cancer Limit¹	$1,500,000

B. Additional Cancer Care Benefits (maximum limit Per Covered Cancer)*	Benefit limit (in HKD)
Daily Hospital Cash for Hospitalisation a) Hospitalisation in an ICU; or b) Hospitalisation in general ward of a public Hospital in Hong Kong; or c) Hospitalisation expenses that have been paid by another insurance company where FWD has not paid any benefit under Section A - Cancer Benefits	$500
Chinese Medicine Practitioner Consultation (including acupuncture treatments or prescribed Chinese medicines) (per visit)	$500
Physiotherapist Consultation(including acupuncture and chiropractic services)/ Occupational Therapy / Speech Therapy (per visit)	$500
Dietician Consultation (per visit)	$500
Psychological Counselling (for Insured and/ or immediate family members) (per visit)	$1,000
Post-hospitalization Home Nursing (per day)	$1,000
Transportation Fee Subsidy (per day)	$300
Medical Appliances	$5,000
*Please refer to the product brochure for the maximum number of visits per day and the maximum number of visits Per Covered Cancer

C. Death Benefit	Benefit limit (in HKD)
Compassionate Death Benefit	$10,000

D. Additional Benefits (only applicable to Insured whose issue age is at or below 55 (age next birthday))
Job Changer Benefit³	3 times per policy
Special Event Benefit⁴	Once per policy
Extended Grace Period Benefit⁵	Once per policy
Convertibility Option⁶	Once per policy

E. Ancillary Services
Second Medical Opinion Service¹²
International SOS 24-hour Worldwide Assistance Program¹²
CANcierge⁷

The product information in this website is for reference only and does not contain the full terms and conditions, key product risks and full list of exclusions of the policy. For the more details of benefits and key product risks, please refer to the product brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the plan.

Please make sure you are eligible for this product before applying. Each insured can only be insured by one (1) policy of the Plan.

Lifetime Cancer Limit refers to the maximum total amount per Insured that FWD will pay under Section A - Cancer Benefits of CANsurance Cancer Protection Plan - Schedule of Benefits for all Covered Cancers from CANsurance Cancer Protection Plan. If the Insured is insured under multiple CANsurance Cancer Protection Plan policies, the Lifetime Cancer Limit will apply across all of these policies, even those policies that have terminated. Once the total amount paid or payable under Section A - Cancer Benefits of CANsurance Cancer Protection Plan - Schedule of Benefits reaches the Lifetime Cancer Limit, the policy will terminate.
Lifetime renewal is subject to the continual availability of CANsurance Cancer Protection Plan offered by FWD, terms and conditions applicable, benefits, and premium rates at the time of renewal. Renewal premiums are not guaranteed and the premiums for each renewal are determined based on the age at next birthday and the premium table applicable when the policy is renewed. Premium table is subject to change based on factors including but not limited to the inflation of related medical expenses, FWD’s medical claim experience and persistency of policies from time to time. FWD reserves the right to revise the benefit payable, terms and conditions and premiums any time at renewal.
CANsurance Cancer Protection Plan policy must be in effect for at least 3 consecutive years from the policy date or the date of last reinstatement, whichever is later. This option is only available if FWD offers a designated full medical reimbursement plan at the time of application and subject to FWD’s rules at that time. CANsurance Cancer Protection Plan policy must remain in effect during the temporary coverage period and all premiums still need to be paid when due. You must inform FWD within 31 days immediately before or after the employment termination date and must provide proof of the change in this employment. This benefit is only available if you or the Insured are changing from a full time employment to any full time employment. This option may be exercised up to 3 times per policy, but you may only make a further application after 3 years has passed from the date of the start of the previous temporary coverage period. This benefit will expire at the earlier of following conditions:
1. Insured reaches 65 years old (actual age) or;
2. the CANsurance Cancer Protection Plan policy is terminated.
You cannot exercise this benefit in conjunction with Convertibility Option, Special Event Benefit or Extended Grace Period Benefit. vCANsurance Medical Plan (a VHIS Certified Plan, Certification Number: F00051) is currently the designated full medical reimbursement plan of CANsurance Cancer Protection Plan and FWD can revise from time to time without prior notice. FWD is a VHIS provider with registration number 00036.
CANsurance Cancer Protection Plan policy must be in effect for at least 3 consecutive years from the policy date or the date of last reinstatement, whichever is later. You must provide FWD with all documents and information FWD requires within 30 days from the date you first receive relevant proof. This benefit will expire at the earlier of following conditions:
1. Insured reaches 65 years old (actual age) or;
2. the CANsurance Cancer Protection Plan policy is terminated.
You cannot exercise this benefit in conjunction with Convertibility Option, Job Changer Benefit or Extended Grace Period Benefit.
CANsurance Cancer Protection Plan policy must be in effect for at least 3 consecutive years from the policy date or the date of last reinstatement, whichever is later. You must provide FWD with all documents and information FWD requires within 30 days from the date you first receive relevant proof. If the premium is not paid at the end of the Extended Grace Period, you will be in default and the policy will end. This benefit will expire at the earlier of following conditions:
1. Insured reaches 65 years old (actual age) or;
2. the CANsurance Cancer Protection Plan policy is terminated.
You cannot exercise this benefit in conjunction with Convertibility Option, Job Changer Benefit or Special Event Benefit.
You may apply to convert the CANsurance Cancer Protection Plan policy to a designated full medical reimbursement plan if the policy has been in effect for at least 9 consecutive years from the policy date or the date of last reinstatement, whichever is later. This option is only available if FWD offers a designated full medical reimbursement plan at the time of conversion and subject to FWD’s rules at that time. You may apply when the Insured is aged between 38 and 64 years old (both actual ages inclusive) and within 31 days immediately before or after the respective policy anniversary without providing further health evidence from the Insured. Once approved, conversion will take effect on next policy anniversary and you cannot withdraw the application. CANsurance Cancer Protection Plan will be terminated once the policy is converted. Any claims for any Covered Cancer made under CANsurance Cancer Protection Plan or the converted policy of designated full medical reimbursement plan are subject to the Lifetime Cancer Limit. FWD will not cover any illness or injury (including pre-existing conditions) under the designated full medical reimbursement plan if it occurred before the policy date or the date of last reinstatement (whichever is later) of the CANsurance Cancer Protection Plan. Premium payable under the designated full medical reimbursement plan is not guaranteed and will be determined on conversion. You cannot exercise this benefit in conjunction with Job Changer Benefit, Special Event Benefit or Extended Grace Period Benefit. vCANsurance Medical Plan (a VHIS Certified Plan, Certification Number: F00051) is currently the designated full medical reimbursement plan of CANsurance Cancer Protection Plan and FWD can revise from time to time without prior notice. FWD is a VHIS provider with registration number 00036.

After exercising the Convertibility Option, CANsurance Cancer Protection Plan is converted to the designated full medical reimbursement plan (vCANsurance Medical Plan for now), and the coverage will be changed. Please refer to the Product Brochure and Product Provision for benefits details.
CANcierge is currently provided by HealthMutual Group Limited (“HMG”) and its healthcare network team, is not a part of the policy or benefit item under the Policy Provisions and only applicable to CANsurance Cancer Protection Plan. FWD reserves the right to terminate or vary CANcierge in its sole discretion without further notice. FWD will not be responsible for any act, negligence or failure to act on the part of HMG and its healthcare network team. For details, please refer to the brochure of CANcierge.
Covered Cancer refers to the first symptoms that occur no earlier than 90 days after the policy date or the date of last reinstatement, whichever is later, and are subsequently confirmed by a specialist as meeting the definition of Cancer or Carcinoma-in-situ. Please refer to Policy Provisions for the definitions of Cancer and Carcinoma-in-situ.
Asia includes Afghanistan, Bangladesh, Bhutan, Brunei, Cambodia, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Mainland China, Malaysia, Maldives, Mongolia, Myanmar, Nepal, North Korea, Pakistan, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, and Vietnam.
Standard Ward Room refers to a room type in a hospital that is of a quality below a Standard Semi-Private Room. Standard Semi-Private Room refers to a single or double occupancy room in a hospital, with a shared bath / shower room.
Per Covered Cancer Limit refers to the maximum total amount for any single Covered Cancer that FWD will pay under Section A - Cancer Benefits of CANsurance Cancer Protection Plan - Schedule of Benefits. If the Insured is insured under multiple CANsurance Cancer Protection Plan policies, the Per Covered Cancer Limit will apply across all of these policies, even those policies that have terminated.
The services are currently provided by International SOS and are not guaranteed renewable. All relevant fees and charges (if any) of these services must be paid by you. FWD shall not be responsible for any act or failure to act on the part of International SOS and/ or any of its affiliates. Details of the services may be revised from time to time without prior notice from FWD.

Credit risk

This product is an insurance policy issued by FWD. The application of this insurance product and all benefits payable under your policy are subject to the credit risk of FWD. You will bear the default risk in the event that FWD 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 received 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 the policy may not be sufficient for the increasing protection needs in the future even if the Company fulfils all of its contractual obligations.

Except Compassionate Death Benefit, CANsurance Cancer Protection Plan does not cover any Covered Cancer⁸ resulting directly or indirectly from or in respect of any of the following:

any Covered Cancer⁸ in the presence of any HIV Infection and/or any AIDS related illness. HIV Infection refers to an infection where blood or other relevant test(s) indicate, in FWD’s opinion, either the presence of any Human Immunodeficiency Virus, antigens or antibodies to such virus ; or
any drug or alcohol abuse (unless the first symptoms of a relevant Covered Cancer⁸ caused by such drug or alcohol abuse occurs 2 years after the policy date or the date of last reinstatement, whichever is later).
If the Insured commits suicide (whether sane or insane at that time) within 13 calendar months from the Policy Date, FWD will refund all premiums that FWD has received without interest, less any Policy benefits that FWD has paid and any amounts owed to FWD.

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.

The premium payment term of the policy ends on the policy anniversary immediately preceding the Insured’s 100th birthday.

FWD allows a Grace Period of 30 days (or Extended Grace Period in CANsurance Cancer Protection Plan) 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.

The policy of CANsurance Cancer Protection Plan will automatically end on the earliest of the following:

If the Insured dies.
The policy anniversary immediately following the Insured’s 99th birthday.
You surrender the policy. FWD will determine the surrender date based on the rules and regulations of FWD at that time.
If the change of place of residence or occupation means that the residence or occupation is not insurable according to FWD’s underwriting rules, FWD may terminate the policy or refuse to pay benefits under relevant policy after the change.
If you refuse to accept the revisions including the adjusted premium and if you have not paid the premium for 30 days from when it was due.
If a claim is false, fraudulent, intentionally exaggerated or if any person has used fraudulent means to attempt to claim a benefit, premium paid will not be refunded and any benefit paid because of such means will be recovered.
The premium grace period (or Extended Grace Period for CANsurance Cancer Protection Plan) expires and FWD has not received the premium payment.
If FWD ceases to offer relevant plan at each policy renewal.
The date the total amount paid under Section A - Cancer Benefits in Schedule of Benefits under all CANsurance Cancer Protection Plans that apply to the Insured reach the Lifetime Cancer Limit.
When you convert the CANsurance Cancer Protection Plan to a designated full medical reimbursement plan by exercising Convertibility Option.

The policy of CANsurance Cancer Protection Plan will automatically end on the earliest of the following:

The product information above is indicative only and is provided by FWD Life Insurance Company (Bermuda) Limited. For the full terms and conditions and exclusions, please refer to the policy document (including the product brochure and policy provisions) which shall prevail in case of inconsistency.
The insurance plan is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD Life”). HKT Care website at www.hktia.com.hk is operated by HKT Financial Services (IA) Limited (“HKTIA”). HKTIA (Licensed Insurance Agency License No.: FA2474), being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency, acts as an appointed licensed insurance agent for FWD Life.
The information is for reference only. Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD Life and Personal Information Collection Statement of HKTIA before purchasing the insurance product. For enquiries relating to the insurance product, please contact HKT Care Customer Service Hotline at 8209 0098.
The premiums of the insurance product will be payable to FWD Life, and HKTIA will receive commission from FWD Life for acting as an appointed licensed insurance agent for FWD Life.
The insurance product is intended to be offered in Hong Kong only. The display of information of the insurance product on this website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any insurance products by FWD Life or HKTIA outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong.
Under the Insurance Ordinance (Cap. 41), the IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to the IA’s official website at ia.org.hk/en/levy.
HKTIA 's role is limited to distributing insurance products of FWD Life only and HKTIA shall not be responsible for any matters in relation to the provision of the products.
Insurance products are products and obligations of FWD Life and not of HKTIA.
Any dispute over the contractual terms of insurance products should be resolved directly between you and FWD Life.
All insurance applications are subject to FWD Life’s underwriting and acceptance.
FWD Life’s is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products.
HKTIA will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances.
You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.

Online application of this product is available to HKID card holders with a Hong Kong residential address only.
Each insured can only be insured by ONE (1) POLICY of the Plan.
CANsurance Cancer Protection Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD”). FWD is authorized to carry out insurance business in or from Hong Kong and regulated by the Insurance Authority of the Hong Kong SAR. HKT Financial Services (IA) Limited (“HKTIA”) is a licensed insurance agency in Hong Kong and regulated by the Insurance Authority of Hong Kong (Licensed insurance Agency License No. FA2474). HKTIA is an authorized insurance distributor of FWD.

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