FWD Total CI Rider is an optional rider that can be added on to a fixed term FWD Future First policy (the base plan).
This rider offers protection against early, intermediate and late-stage critical illnesses and future unknown illnesses through the Future Protect Benefit, a unique feature designed to offer protection beyond a fixed list of conditions. The Future Protect Benefit not only offers protection against early and intermediate stage critical illnesses, but also covers illnesses that impair your key body systems.
This rider also provides a Reset Benefit that restores the sum insured of this rider’s base benefit after a 12-month reset period upon a successful Future Protect Benefit claim.
This rider further provides an Additional Benefit that pays an additional sum insured upon diagnosis of up to 10 special conditions.
In the event of a successful Future Protect Benefit claim, the future premiums for this rider will be waived.
Please refer to the respective contracts for the individual riders for more information on the benefits and the list of critical illness conditions covered under each rider.