FWD Critical Illness Plus insurance is a protection term insurance that provides coverage for 37 late-stage critical illnesses and early and intermediate stages of cancer, heart attack and stroke for the period that you have chosen.
The plan also provides an Auto-reload Benefit. This means that after your first successful Early Cancer, Heart Attack and Stroke Benefit claim, the policy enters a 12-month auto-reload period, starting from the date of your diagnosis. After the auto-reload period, the policy continues to provide the Late-stage Critical Illness Benefit at 100% of the original sum insured (less any claims paid for angioplasty & other invasive treatment for coronary artery). During the auto-reload period, you will not be able to make any claims on this policy (apart from the Death Benefit) and there will be no coverage except for the Death Benefit. The premiums for the policy will be waived during this auto-reload period and the policy remains active during this period.
The plan comes with a Death Benefit of S$20,000.
To learn how the benefits work, you can refer to examples on the FWD Critical Illness Plus insurance product page.
Please refer to the policy contract for more information on the benefits and list of critical illness conditions covered under the policy.