Your coverage for FWD Critical Illness Plus insurance starts on the coverage start date as shown on the policy schedule.
To ensure it starts promptly, please ensure that your application is complete, which includes the submission of all information and documents requested by FWD.
For the following critical illnesses, the benefits described in your FWD Critical Illness Plus insurance policy are only available 90 days after the issue date or the last reinstatement date (if your policy has been reinstated), whichever is later:
- heart attack of specified severity,
- major cancer,
- other serious coronary artery diseases,
- coronary artery by-pass surgery,
- angioplasty & other invasive treatments for coronary artery,
- early cancer,
- early heart attack, and
- early stroke.
The above applies even if the signs or symptoms of these critical illnesses were not apparent to the person insured, if they would have been apparent to a reasonable person in the same position.