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To protect you from scam SMS, Club Care / HKT Care has joined the SMS Sender Registration Scheme by the Office of the Communications Authority (OFCA). We will only send SMS message to Hong Kong mobile users by using registered sender ID "#ClubCare", "#HKTCare" or "#HKT_IA" to help you identify the true source.


To sustain service excellence, system maintenance of MSIG's website will be conducted from 06:00 a.m. to 08:30 a.m. on 1 August (Friday). Online purchase for iTravel Plus (Single Trip) and Online redemption services for EasyShare Travel Plus Insurance Package provided on this site will therefore be temporarily suspended at that period. We apologize for any inconvenience that may cause.

Medical
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Medical
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CANsurance Cancer Protection Plan
  • Medical coverage for all Covered Cancers
  • Lifetime coverage
  • Coverage during uncertainty
Important Notes
x
Important Notes
  • 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”). Club 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 Club 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.
Know More
Product Brochure Policy Provisions
vPrime Medical Plan
  • Full cover for a range of hospitalisation and surgical expenses, prescribed non-surgical cancer treatments and outpatient kidney dialysis, up to HK$12.5 million per policy year
  • Several enhanced and other benefits, including post-confinement benefits and cash benefits
  • No claim premium discount up to 25%
  • A Flexi Plan certified by the Government under the VHIS and is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (VHIS Plan Certification Number: F00045)
Important Notes
x
Important Notes
  • A Flexi Plan certified by the Government under the Voluntary Health Insurance Scheme (“VHIS”). VHIS Plan Certification Number: F00045-01-000-04 for Deductible HKD0; F00045-02-000-04 for Deductible HKD16,000; F00045-03-000-04 for Deductible HKD25,000; F00045-04-000-04 for Deductible HKD50,000; F00045-05-000-02 for Deductible HKD100,000; F00045-06-000-02 for Deductible HKD250,000.
  • The insurance plan is provided and underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD Life”). Club Care is a service brand operated by HKT Financial Services (IA) Limited (“HKTIA”), a wholly owned subsidiary of HKT Limited (HKT Limited is a company incorporated in the Cayman Islands with limited liability). HKTIA, being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency (Licensed Insurance Agency Licence No.: FA2474), acts as an appointed licensed insurance agency for FWD Life to distribute and arrange a wide range of insurance products and services. 
  • The product information is provided by FWD Life. The product information does not contain the full terms and conditions of the relevant insurance plan. For full terms and conditions, details, and risk disclosures and exclusions of the relevant insurance plan, please refer to the relevant policy documents (including the policy provisions and the product brochure). Policy provisions shall prevail in case of inconsistency. 
  • 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 Club Care Customer Service Hotline at 8209 0098. 
  • The premiums of the insurance product will be payable to FWD Life, (or through HKTIA on behalf of FWD Life in respect of online applications made on Club Care’s website (where applicable)), and HKTIA will receive commission from FWD Life for acting as an appointed licensed insurance agency for FWD Life. 
  • The insurance product is intended to be offered in Hong Kong only. The information on Club Care’s website are not intended to be used by persons located or resident outside of Hong Kong. The information on Club Care’s website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sell 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 the distribution and arrangement of the insurance products of FWD Life only and HKTIA shall not be responsible for any matters in relation to the provision of the insurance 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 is solely responsible for all features, policy approvals, coverage, account maintenance and benefit payment in connection with the insurance product. 
  • 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. 
  • In case of any inconsistency between the English and Chinese versions, the English version shall prevail.
Know More
Product Brochure Policy Provisions
MyMillion Medical Plan
  • Fully cover a series of hospitalisation and surgical expenses in the Standard Ward Room only for a lower premium
  • Annual Limit up to HK$4 million to suit your medical protection needs without lifetime limit
  • Extra supports on designated illnesses and several cash benefits
Important Notes
x
Important Notes
  • 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”). Club 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 Club 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.
Know More
Product Brochure Policy Provisions
BeWell Critical Illness Plan
  • Big 3 Diseases coverage up to HK$2.5 million
  • Coverage on Carcinoma-in-situ and early-stage cancer of Specific Organs
  • Market pioneer to offer additional medical coverage on Big 3 Diseases
Important Notes
x
Important Notes
  • 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”). Club 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 Club 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.
Know More
Product Brochure Policy Provisions
Healthy Plus Refundable Hospital Income Plan
  • Daily hospital cash benefit up to HK$2,000 
  • Refund 108% of total premiums paid at policy maturity
  • 20-year benefit term with 10-year premium payment term only.
Important Notes
x
Important Notes
  • 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”). Club 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 Club 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.
Contact Us
Product Brochure Policy Provisions
Guardian Plus Refundable Critical Illness Plan
  • 100% premium refund at maturity 
  • Up to 3 additional payments of Special Disease Benefit 
  • 10-year payment for 20-year protection
Important Notes
x
Important Notes
  • 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”). Club 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 Club 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.
Contact Us
Product Brochure Policy Provisions
vFamily Medical Plan
  • Worldwide full coverage for a wide range of hospitalisation and surgical expenses
  • Innovative reimbursement basis with limits reset per Disability per Policy Year
  • provides full coverage on a wide range of medical expenses, including Prescribed Non-surgical Cancer Treatments, kidney dialysis and organ or bone marrow transplantation
  • Cash benefit for Day Case Procedure and major and complex surgeries (First-in-VHIS-market)
  • Rehabilitation benefits
  • Extensive protection during pregnancy
  • A Flexi Plan certified by the Government under the VHIS and is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (VHIS Plan Certification Number: F00072-01-000-01)
Important Notes
x
Important Notes
  • A Flexi Plan certified by the Government under the Voluntary Health Insurance Scheme (“VHIS”). VHIS Plan Certification Number: F00072-01-000-01.
  • The insurance plan is provided and underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD Life”). Club Care is a service brand operated by HKT Financial Services (IA) Limited (“HKTIA”), a wholly owned subsidiary of HKT Limited (HKT Limited is a company incorporated in the Cayman Islands with limited liability). HKTIA, being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency (Licensed Insurance Agency Licence No.: FA2474), acts as an appointed licensed insurance agency for FWD Life to distribute and arrange a wide range of insurance products and services. 
  • The product information is provided by FWD Life. The product information does not contain the full terms and conditions of the relevant insurance plan. For full terms and conditions, details, and risk disclosures and exclusions of the relevant insurance plan, please refer to the relevant policy documents (including the policy provisions and the product brochure). Policy provisions shall prevail in case of inconsistency. 
  •  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 inquiries relating to the insurance product, please contact Club Care Customer Service Hotline at 8209 0098. 
  • The premiums of the insurance product will be payable to FWD Life, (or through HKTIA on behalf of FWD Life in respect of online applications made on Club Care’s website (where applicable), and HKTIA will receive commission from FWD Life for acting as an appointed licensed insurance agency for FWD Life. 
  • The insurance product is intended to be offered in Hong Kong only. The information on Club Care’s website are not intended to be used by persons located or resident outside of Hong Kong. The information on Club Care’s website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sell 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 the distribution and arrangement of the insurance products of FWD Life only and HKTIA shall not be responsible for any matters in relation to the provision of the insurance 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 is solely responsible for all features, policy approvals, coverage, account maintenance and benefit payment in connection with the insurance product. 
  • 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. 
  • In case of any inconsistency between the English and Chinese versions, the English version shall prevail.
Contact Us
Product Brochure Policy Provisions
vCANsurance Medical Plan
  • Worldwide full coverage for a wide range of hospitalisation and surgical expenses
  • Innovative reimbursement basis with limits reset per Disability per Policy Year
  • Provides full coverage on a wide range of medical expenses, including Prescribed Non-surgical Cancer Treatments, kidney dialysis and organ or bone marrow transplantation
  • Cash benefit for Day Case Procedure and major and complex surgeries (First-in-VHIS-market)
  • Rehabilitation benefits
  • No claims premium discount
  • A Flexi Plan certified by the Government under the VHIS and is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability). (VHIS Plan Certification Number: F00051-01-000-03 for Standard benefit level; F00051-02-000-03 for Superior benefit level)
Important Notes
x
Important Notes
  • A Flexi Plan certified by the Government under the Voluntary Health Insurance Scheme (“VHIS”). VHIS Plan Certification Number: F00051-01-000-03 for Standard benefit level; F00051-02-000-03 for Superior benefit level.
  • The insurance plan is provided and underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD Life”). Club Care is a service brand operated by HKT Financial Services (IA) Limited (“HKTIA”), a wholly owned subsidiary of HKT Limited (HKT Limited is a company incorporated in the Cayman Islands with limited liability). HKTIA, being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency (Licensed Insurance Agency Licence No.: FA2474), acts as an appointed licensed insurance agency for FWD Life to distribute and arrange a wide range of insurance products and services. 
  • The product information is provided by FWD Life. The product information does not contain the full terms and conditions of the relevant insurance plan. For full terms and conditions, details, and risk disclosures and exclusions of the relevant insurance plan, please refer to the relevant policy documents (including the policy provisions and the product brochure). Policy provisions shall prevail in case of inconsistency. 
  • 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 Club Care Customer Service Hotline at 8209 0098. 
  • The premiums of the insurance product will be payable to FWD Life, (or through HKTIA on behalf of FWD Life in respect of online applications made on Club Care’s website (where applicable), and HKTIA will receive commission from FWD Life for acting as an appointed licensed insurance agency for FWD Life. 
  • The insurance product is intended to be offered in Hong Kong only. The information on Club Care’s website are not intended to be used by persons located or resident outside of Hong Kong. The information on Club Care’s website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sell 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 the distribution and arrangement of the insurance products of FWD Life only and HKTIA shall not be responsible for any matters in relation to the provision of the insurance 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 is solely responsible for all features, policy approvals, coverage, account maintenance and benefit payment in connection with the insurance product. 
  • 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. 
  • In case of any inconsistency between the English and Chinese versions, the English version shall prevail.
Contact Us
Product Brochure Policy Provisions
vBooster Medical Plan
  • Full cover for hospitalisation and surgical expenses
  • Provides full cover on a wide range of medical expenses, including Prescribed Non-surgical Cancer Treatments, kidney dialysis and organ or bone marrow transplantation
  • Cash benefit for major and complex surgeries (First-in-VHIS-market)
  • Cash benefit for Confinement in Intensive Care Unit in Hong Kong (First-in-VHIS-market)
  • Extra support for Stroke rehabilitation
  • A Flexi Plan certified by the Government under the VHIS and is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (VHIS Plan Certification Number: F00069)
Important Notes
x
Important Notes
  • A Flexi Plan certified by the Government under the Voluntary Health Insurance Scheme (“VHIS”). VHIS Plan Certification Number: F00069-01-000-01 for Deductible HKD0; F00069-02-000-01 for Deductible HKD16,000; F00069-03-000-01 for Deductible HKD25,000; F00069-04-000-01 for Deductible HKD50,000; F00069-05-000-01 for Deductible HKD100,000; F00069-06-000-01 for Deductible HKD180,000.
  • The insurance plan is provided and underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD Life”). Club Care is a service brand operated by HKT Financial Services (IA) Limited (“HKTIA”), a wholly owned subsidiary of HKT Limited (HKT Limited is a company incorporated in the Cayman Islands with limited liability). HKTIA, being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency (Licensed Insurance Agency Licence No.: FA2474), acts as an appointed licensed insurance agency for FWD Life to distribute and arrange a wide range of insurance products and services. 
  • The product information is provided by FWD Life. The product information does not contain the full terms and conditions of the relevant insurance plan. For full terms and conditions, details, and risk disclosures and exclusions of the relevant insurance plan, please refer to the relevant policy documents (including the policy provisions and the product brochure). Policy provisions shall prevail in case of inconsistency. 
  • 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 Club Care Customer Service Hotline at 8209 0098. 
  • The premiums of the insurance product will be payable to FWD Life, (or through HKTIA on behalf of FWD Life in respect of online applications made on Club Care’s website (where applicable), and HKTIA will receive commission from FWD Life for acting as an appointed licensed insurance agency for FWD Life. 
  • The insurance product is intended to be offered in Hong Kong only. The information on Club Care’s website are not intended to be used by persons located or resident outside of Hong Kong. The information on Club Care’s website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sell 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 the distribution and arrangement of the insurance products of FWD Life only and HKTIA shall not be responsible for any matters in relation to the provision of the insurance 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 is solely responsible for all features, policy approvals, coverage, account maintenance and benefit payment in connection with the insurance product. 
  • 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. 
  • In case of any inconsistency between the English and Chinese versions, the English version shall prevail.
Contact Us
Product Brochure Policy Provisions
Crisis USupporter / Crisis USupporter Pro Series
  • Protection against 62 Crises, we also cover 65 Special Diseases, with 12 of them specifically for juveniles
  • Enhanced security from designated crises
  • Infertility benefit
  • Special care on your road to recovery
Important Notes
x
Important Notes
  • The insurance plan is provided and underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD Life”). Club Care is a service brand operated by HKT Financial Services (IA) Limited (“HKTIA”), a wholly owned subsidiary of HKT Limited (HKT Limited is a company incorporated in the Cayman Islands with limited liability). HKTIA, being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency (Licensed Insurance Agency Licence No.: FA2474), acts as an appointed licensed insurance agency for FWD Life to distribute and arrange a wide range of insurance products and services. 
  • The product information is provided by FWD Life. The product information does not contain the full terms and conditions of the relevant insurance plan. For full terms and conditions, details, and risk disclosures and exclusions of the relevant insurance plan, please refer to the relevant policy documents (including the policy provisions and the product brochure). Policy provisions shall prevail in case of inconsistency. 
  • 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 Club Care Customer Service Hotline at 8209 0098. 
  • The premiums of the insurance product will be payable to FWD Life, (or through HKTIA on behalf of FWD Life in respect of online applications made on Club Care’s website (where applicable), and HKTIA will receive commission from FWD Life for acting as an appointed licensed insurance agency for FWD Life. 
  • The insurance product is intended to be offered in Hong Kong only. The information on Club Care’s website are not intended to be used by persons located or resident outside of Hong Kong. The information on Club Care’s website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sell 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 the distribution and arrangement of the insurance products of FWD Life only and HKTIA shall not be responsible for any matters in relation to the provision of the insurance 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 is solely responsible for all features, policy approvals, coverage, account maintenance and benefit payment in connection with the insurance product. 
  • 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. 
  • In case of any inconsistency between the English and Chinese versions, the English version shall prevail
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We are always here to serve you. For all enquiries and feedback related to insurance, please contact us through the channels below:

Customer Service Hotline: 8209 0098
Mon – Fri 9:00 am – 6:00 pm (except public holidays)

Email:
cs.clubcare@pccw.com

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Important Notes


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