CANsurance Series

Making Life

Easier

FWD Life Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability)

CANsuranceCancer Protection Plan

You may have different dreams at different life stages; whatever they may be, wouldn’t you like to have the option to just go for it with no regrets? But can you go far without adequate support?

Now you can! CANsurance Cancer Protection Plan and CANsurance Full Medical Plan (“CANsurance Series”) presented by FWD Life Insurance Company (Bermuda) Limited (“FWD”) can help you go forward in the pursuit of your dreams and compensate for insufficient group medical cover. CANsurance Series is here giving you smart and seamless coverage. Plan early and you too can go full steam ahead with no worries!

* Assuming that you have exercised the Convertibility Option4 in CANsurance Cancer Protection Plan.

Smart and Seamless Coverage

Group Cover

CANsurance Cancer Protection Plan

CANsuranceFull Medical Plan*

Age

Scope of diseases covered

Retirement Age at your choice(at or before actual age 65)

SpecialEvent

Benefit2

x1

ExtendedGracePeriod

Benefit3

x1

ConvertibilityOption4 x 1

JobChangerBenefit1

x3

Change job6-month temporary full

medical coverage without additional charges

Special Event :Involuntarily unemployed/

working holiday/ further education

Waive premium for 1 year

Get married/ become parent

Extend Grace Period up to 1 year

Retire Convert to designated full

medical reimbursement plan without providing

health evidence

CAN have comprehensive protectionThe key to a speedy recovery is being without financial worries. With essential coverage of Covered Cancer5 and a Lifetime Cancer Limit6 as high as HKD 9 million and a choice of 4 levels of coverage to meet your different needs, you can choose one with a modest premium as an add-on to your current medical coverage to power up your cancer coverage.

CAN secure complementary supportIn addition, the diversified supportive health care professional consultations covered by CANsurance Cancer Protection Plan aim to give you an extra helping hand in your path to full recovery. You may plan for the most suitable and preferable combination of professional consultations during or after cancer treatment. CANsurance Cancer Protection Plan even subsidises transportation expenses during treatment.

CAN cope with changing needs

CANsurance Cancer Protection Plan gives you coverage with a savvy edge that can cater to your changing needs at different life stages. You can have Additional Benefits without additional charges, such as waiving premium for 1 year when you wish to pursue further full time education, undertake a working holiday or you become involuntarily unemployed; deferring premium payments for 1 year when you get married or become parent; or even enjoy seamless coverage with temporary cover under a designated full medical reimbursement plan when you are changing jobs and do not have group cover. When you retire, you can also permanently convert CANsurance Cancer Protection Plan to a designated full medical reimbursement plan.

CAN enjoy personalised assistanceCANcierge7 is here to provide you with end-to-end health coaching. Once you are diagnosed with a Covered Cancer5, a professional health management team will customise one-stop services specifically for your needs, from cancer treatment and hospitalisation to post-treatment supportive therapies and consultations. You can then concentrate on receiving treatments without additional burdens.

Just complete the application by answering to a few questions. No medical examination and any proof of health are required8. As simple as that, you can now take a big stride forward free from worries.

Yes you CAN, with CANsurance

Plan Level Economy Standard Superior Premier Plan Type Basic Plan Basic Plan / Rider Issue Age (Age Next Birthday) 19 to 55 1 (15 days) to 70 Benefit Term Guaranteed yearly renewable10 to age 100 (age next birthday) Premium Payment Term To age 100 (age next birthday) Premium Structure Premium Payment Mode Monthly Monthly / Semi-annually / Annually Currency HKD HKD/ USD Area of Cover Asia11 Worldwide Room Level of Hospitalisation Standard Ward Room12 Standard Semi-Private Room13

CANsurance Cancer Protection Plan - Schedule of Benefit (HK$)

CANsurance Cancer Protection PlanReasonable and Customary9 charges will be reimbursed according to the Schedule of Benefit. Unless specified, the descriptions applicable to CANsurance Cancer Protection Plan are applicable to CANsurance Cancer Protection Rider.

• Based on Insured’s issue age, gender, smoking habit and selected plan level• Renewal premiums are non-guaranteed and will be increased yearly

according to the Insured’s age next birthday at the time of renewal

2.1 Hospitalisation and Surgical Benefits a) Room and Board b) Physician’s or Specialist’s Hospital Visit c) Intensive Care Unit (“ICU”) Charges d) Hospital Companion Bed (including 1 extra bed for 1 person who accompanies the Insured while hospitalised) e) Surgical Expenses ( including Surgeon’s fee, Anaesthetist’s fee and operating theatre fee) f) Miscellaneous Hospital Medical Charges2.2 Treatment Benefits a) Non-surgical Cancer Treatment (including Chemotherapy, Radiotherapy, Target Therapy, Cancer Hormonal Therapy and prescribed medications ) b) Palliative Cancer Care c) Pre or Post-treatment Consultation (incurred by consultation with a physician before or after the active treatment or palliative treatment)

For policies in US Dollars, the exchange rate for the amount above is fixed at 1:8 (USD:HKD) and rounded to the nearest 1 decimal place.

A. Cancer Benefits 1. Diagnostic Benefit Full cover 2. Cancer Treatment Benefits

Full cover

Full cover

3. Reconstructive Surgery Benefit (head or breast) Full cover 4. Monitoring Benefit (up to 5 years since

Full cover completion of active treatment)

Per Covered Cancer Limit14 500,000 700,000 1,000,000 3,000,000Lifetime Cancer Limit6 1,500,000 2,100,000 3,000,000 9,000,000

500 800 1,000 1,500

Item d is not applicable 30 60 90 500 500 600 1,500

20 30 40

500 500 600 1,000 20 20 30 500 500 600 1,000 20 20 30

1,000 1,000 1,000 1,500

20 40 50 1,000 1,000 1,000 1,500 30 60 90 300 350 400 800

20 20 30 5,000 15,000 20,000 30,000

10,000 15,000 20,000 40,000

Once per policy

3 times per policy

Once per policy

Once per policy

Service Program

Service Program

Service Program

CANsurance Cancer Protection Plan - Schedule of Benefit (HK$) (Continued)

5. 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; or

d) Hospitalisation in Standard Ward Room12 of a private Hospital in Hong Kong

• maximum no. of days per Covered Cancer5

6. Chinese Medicine Practitioner Consultation (including acupuncture treatments or prescribed Chinese medicines ) (per visit) • 1 visit per day & maximum no. of visits per Covered Cancer5

7. Physiotherapist Consultation (including acupuncture and chiropractic services) / Occupational Therapy / Speech Therapy (per visit) • 1 visit per day & maximum no. of visits per Covered Cancer5

8. Dietician Consultation (per visit) • 1 visit per day & maximum no. of visits per Covered Cancer5

9. Psychological Counselling (for Insured and/ or immediate family members) (per visit) • 1 visit per day & maximum no. of visits per Covered Cancer5

10. Post-hospitalisation Home Nursing (per day) • maximum no. of days per Covered Cancer5

11. Transportation Fee Subsidy (per day) • maximum no. of days per Covered Cancer5

12. Medical Appliances

13. Compassionate Death Benefit

14. Convertibility Option4 : you may apply to convert the policy to a designated full medical reimbursement plan for the Insured while CANsurance Cancer Protection Plan policy is in force without providing further health evidence15. Job Changer Benefit1 : you may apply for the Insured to enjoy a 6 months’ temporary coverage under a designated full medical reimbursement plan with a simple health declaration and without additional charges if you or the Insured change full time permanent job16. Special Event Benefit2 : you may apply to waive premium of CANsurance Cancer Protection Plan policy for 1 year if you become involuntarily unemployed, wish to pursue further full time education or undertake a working holiday17. Extended Grace Period Benefit3 : you may apply for an extension of grace period of up to 1 year (“Extended Grace Period”) (including the usual 30-day grace period ) if you get married or become parent

i) Second Medical Opinion Service15

ii) International SOS 24-hour Worldwide Assistance Program15

iii) CANcierge7

D. Additional Benefits [only applicable to Insured whose issue age is at or below 55 (age next birthday)]

E. Ancillary Services

Plan Level Economy Standard Superior Premier Area of Cover Asia11 Worldwide

Room Level of Hospitalisation Standard Ward Room12 Standard Semi-Private

Room13

B. Additional Cancer Care Benefit (maximum limit per Covered Cancer5)

C. Death Benefit

For policies in US Dollars, the exchange rate for the amount above is fixed at 1:8 (USD:HKD) and rounded to the nearest 1 decimal place.

All-in-One One-for-all CANsurance Full Medical Plan equals simplicity by fully covering the expenses of hospitalisation and surgery as long as the total amount doesn’t exceed the Per Disability Limit16. It provides 4 different levels of plans that cover different geographical areas and room levels for hospitalisation with ranges of the Per Disability Limit16, to suit your needs.

Single Plan Doubled Protection Medical expenses can greatly impede your enjoyment of life and wipe out your wealth, especially with cancer treatment. CANsurance Full Medical Plan fully reimburses the costly expenses on kidney dialysis, chemotherapy and radiotherapy subject to the Per Disability Limit16. Moreover, if the hospitalisation, treatment and/or surgery is caused by Covered Cancer5, the Per Disability Limit16 will be doubled.

Improved Wellness Fabulous RewardPrevention is always better than cure, so why not adopt a healthier lifestyle? CANsurance Full Medical Plan offers you the Wellness Joy Benefit17 for reimbursing the expenses on travel, fitness and wellness course or health check-up to give you an extra incentive to stay healthy.

Also, if there is no claim paid or payable for at least 2 consecutive years immediately before renewal, you will be entitled to a 10% No Claim Premium Discount on renewal premium. If you haven’t made any claims in the 10 consecutive years immediately before renewal, you will be entitled to additional 20% Per Disability Limit16 permanently without having to pay any additional premium as a No Claim Benefit Booster18.

Continuous Support Accelerated RecoveryRehabilitation and appropriate follow-up consultation are as important as prevention. FWD extends the coverage to the expenses incurred by home nursing and consultation with a range of specialists such as Chinese medicine practitioner, physiotherapist and chiropractor subject to certain limit for each Disability, after you are discharged from hospital or completion of surgery.

Guaranteed Renewal10 Lifelong ProtectionRegardless of the deterioration in your health, financial condition and claims history, FWD guarantees to renew10 your policy until age 100 at next birthday, subject to the continual availability of CANsurance Full Medical Plan, the relevant terms and conditions, the benefits and its prevailing premium at renewal.

CANsuranceFull Medical Plan

Plan Type Basic Plan / Rider Issue Age (Age Next Birthday) 1 (15 days) to 70 Benefit Term Guaranteed yearly renewable10 to age 100 (age next birthday) • Based on Insured’s issue age, gender and selected plan level Premium Structure • Renewal premiums are non-guaranteed and will be increased yearly according to the Insured’s age next birthday at the time of renewal Premium Payment Term To age 100 (age next birthday) Premium Payment Mode Monthly / Semi-annually / Annually Currency HKD/ USD

CANsurance Full Medical Plan - General Information

Economy Standard Superior Premier

Premier /

Premier /

Premier /

Superior / Superior /

Superior Premier Standard /

Standard

Economy Economy Standard Superior Premier

250,000 350,000 500,000 800,000The amount will be doubled for claims related to a Covered Cancer5

Asia11 Worldwide ex USA19

Standard Ward Room12 Standard Semi-Private Room13

Full cover

300 800 1,000Maximum 60 days per Disability

800 1,000 not applicable

Maximum 60 days per Disability

Full cover

Full cover (1 visit per day and maximum 3 visits within 31 days

before hospitalisation or clinical surgery)

Full cover (1 visit per day and maximum 20 visits within 60 days after

discharge or clinical surgery)

Full cover ( maximum 31 days within 31 days after discharge following

surgery or ICU admission)

For policies in US Dollars, the exchange rate for the amount above is fixed at 1:8 (USD:HKD) and rounded to the nearest 1 decimal place.

CANsurance Full Medical PlanReasonable and Customary9 charges will be reimbursed according to the Schedule of Benefit. Unless specified, the descriptions applicable to CANsurance Full Medical Plan are applicable to CANsurance Full Medical Rider.

CANsurance Full Medical Plan - Schedule of Benefit (HK$)Plan LevelAllowable plan level(s) for designated full medical reimbursement plan for conversion by exercising Convertibility Option4 in CANsurance Cancer Protection PlanAllowable plan level for designated full medical reimbursement plan when exercising Job Changer Benefit1 in CANsurance Cancer Protection PlanPer Disability Limit16 (maximum total amount paid and

payable under Items 1 to 3 per Disability)

Area of CoverRoom Level of Hospitalisation

(a) Room and Board (b) ICU Charges (c) Physician’s Hospital Visit and Specialist’s Fee (d) Miscellaneous Hospital Medical Charges (e) Hospital Companion Bed (including 1 extra

bed for 1 person who accompanies the Insured in hospital)

(f) Private Nursing Care’s Fee (g) Daily Hospital Cash for Hospitalisation in a

General Ward of Hong Kong Public Hospitals(h) Daily Hospital Cash for Hospitalisation in a

Standard Ward Room12 of Hong Kong Private Hospitals

Surgical Benefits(including Surgeon’s fee, Anaesthetist’s fee, operating theatre fee)

(a) Pre-hospitalisation Out-Patient

(b) Post-hospitalisation Out-Patient

(c) Post-hospitalisation Home Nursing

1. Hospitalisation Benefits (maximum limit per Disability)

2. Surgical Benefits

3. Other Benefits (maximum limit per Disability)

Remarks:1. CANsurance Cancer Protection Plan policy or rider 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 or rider 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: i) Insured reaches 65 years old (actual age) or; ii) the CANsurance Cancer Protection Plan policy or rider is terminated. You cannot exercise this benefit in conjunction with Convertibility Option, Special Event Benefit or Extended Grace Period Benefit. CANsurance Full Medical Plan is currently the designated full medical reimbursement plan of CANsurance Cancer Protection Plan and FWD can revise from time to time without prior notice.

2. CANsurance Cancer Protection Plan policy or rider 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: i) Insured reaches 65 years old (actual age) or; ii) the CANsurance Cancer Protection Plan policy or rider is terminated. You cannot exercise this benefit in conjunction with Convertibility Option, Job Changer Benefit or Extended Grace Period Benefit. For CANsurance Cancer Protection Rider, FWD only waives the premium of CANsurance Cancer Protection Rider for 1 year; you are required to pay the premiums for the attached basic policy and other riders (if any) during the period.

3. CANsurance Cancer Protection Plan policy or rider 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: i) Insured reaches 65 years old (actual age); or ii) the CANsurance Cancer Protection Plan policy or rider is terminated. You cannot exercise this benefit in conjunction with Convertibility Option, Job Changer Benefit or Special Event Benefit. For CANsurance Cancer Protection Rider, FWD only extends the grace period of CANsurance Cancer Protection Rider for 1 year; while the grace period of the attached basic policy and other riders (if any) remain unchanged (that is 30 days in normal), hence, you are required to pay the premiums for the attached basic policy and other riders (if any) during the period.

No Claim Premium DiscountIf CANsurance Full Medical Plan has been in force for at least 2 consecutive years, you can enjoy a 10% discount on renewal premium if no claim (other than the claim of Wellness Joy Benefit17) has been made for 2 consecutive years or more immediately before renewal date.

For policies in US Dollars, the exchange rate for the amount above is fixed at 1:8 (USD:HKD) and rounded to the nearest 1 decimal place.

CANsurance Full Medical Plan - Schedule of Benefit (HK$) (Continued) Economy Standard Superior Premier 250,000 350,000 500,000 800,000The amount will be doubled for claims related to a Covered Cancer5

Asia11 Worldwide ex USA19

Standard Ward Room12 Standard Semi-Private Room13

Full cover

Full coverFull coverFull cover

300 400 600 8001 visit per day and maximum 10 visits within 60 days after discharge or clinical surgery

300 400 600 8001 visit per day and maximum 10 visits within 60 days after discharge or clinical surgery

10,000 20,000 30,000 10,000 20,000 30,000

800 1,000 2,000 4,000Once per policy if the policy has been in effect for 5 consecutive years

20% one-off increase in Per Disability Limit16 and will be applicable for all future policy years

Service Program

Service Program

Service Program

Plan LevelPer Disability Limit16 (maximum total amount paid and payable under Items 1 to 3 per Disability)Area of CoverRoom Level of Hospitalisation

(d) Emergency Out-Patient Accidental Treatment Charges

(e) Emergency Dental Treatment(f) Chemotherapy and Radiotherapy(g) Kidney Dialysis(h) Chinese Medicine Practitioner Consultation

(per visit)(i) Physiotherapist or Chiropractor Consultation

(per visit)

(in addition to Compassionate Death Benefit)

(including expenses of travelling, fitness and wellness course or health check-up)

(if no claim is paid or payable in the 10 consecutive years

immediately before renewal)

(i) Second Medical Opinion Service15

(ii) International SOS 24-hour Worldwide Assistance Program15

(iii) CANcierge7

3. Other Benefits (maximum limit per Disability) (continued)

4. Compassionate Death Benefit 5. Accidental Death Benefit

6. Wellness Joy Benefit17

7. No Claim Benefit Booster18

8. Ancillary Services

4. You may apply to convert the CANsurance Cancer Protection Plan policy or rider 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 policy or rider 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. CANsurance Full Medical Plan is currently the designated full medical reimbursement plan of CANsurance Cancer Protection Plan and FWD can revise from time to time without prior notice.

5. Covered Cancer refers to the first symptoms that occur no earlier than 90 days (CANsurance Cancer Protection Plan) / 30 days (CANsurance Full Medical Plan) 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.

6. Lifetime Cancer Limit refers to the maximum total amount per Insured that FWD will pay under Section A of CANsurance Cancer Protection Plan - Schedule of Benefit for all Covered Cancers from CANsurance Cancer Protection Plan. If the Insured is insured under multiple CANsurance Cancer Protection Plan policies (or riders), 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 of CANsurance Cancer Protection Plan - Schedule of Benefit reaches the Lifetime Cancer Limit, the policy will terminate.

7. 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 Series. 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 attached brochure of CANcierge.

8. Only applicable to the Insured whose issue age is 1 (15 days) to 65 (age next birthday) and subject to the relevant underwriting requirements, otherwise, normal underwriting applies.

9. Only Reasonable and Customary charges for the above benefits will be paid by FWD. Reasonable and Customary refers to a fee or expense which:

a. is actually charged for Medically Necessary treatment, supplies or medical services; b. does not exceed the usual or reasonable average level of charges for similar treatment, supplies or medical services in the location where the expense is incurred; c. does not include charges that would not have been made if no insurance existed. FWD may adjust benefit(s) payable under the policy of CANsurance Series for fees or expenses that FWD judges not to be Reasonable and

Customary after comparing with fee schedules used by the government, relevant authorities or recognized medical association in the location where the fee or expense is incurred.

10. Lifetime guaranteed renewal is subject to the continual availability of CANsurance Series 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 each year. 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. The policy will expire on the policy anniversary immediately following the Insured’s 99th birthday.

11. 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.

12. Standard Ward Room refers to a room type in a hospital that is of a quality below a Standard Semi-Private Room. 13. Standard Semi-Private Room refers to a single or double occupancy room in a hospital, with a shared bath / shower room.14. Per Covered Cancer Limit refers to the maximum total amount for any single Covered Cancer that FWD will pay under Section A of

CANsurance Cancer Protection Plan - Schedule of Benefit. If the Insured is insured under multiple CANsurance Cancer Protection Plan policies (or riders), the Per Covered Cancer Limit will apply across all of these policies, even those policies that have terminated.

15. 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.

16. Per Disability Limit refers to the maximum total amount that FWD will pay under Items 1 to 3 under Schedule of Benefit of CANsurance Full Medical Plan. The Per Disability Limit will be doubled for claims relating to Covered Cancer.

17. If CANsurance Full Medical Plan policy has been in effect for 5 consecutive years from the policy date or the date of last reinstatement, whichever is later, FWD will reimburse the expenses of travelling, fitness and wellness course or health check-up at the following policy year. This benefit will be payable once only.

18. FWD will only exercise this No Claim Benefit Booster under CANsurance Full Medical Plan policy (or rider) once only. This benefit is also applicable if CANsurance Full Medical Plan policy is converted from designated cancer reimbursement plan’s policy or rider, subject to the following conditions,

a. If the Insured has not made any claim under the designated cancer reimbursement plan’s policy or rider, FWD will increase the Per Disability Limit of the CANsurance Full Medical Plan policy by 20%. This is a one-off increase and will be applicable for all future policy years since the time of conversion; or

b. If the Insured has made any claim under the designated cancer reimbursement plan’s policy or rider, after conversion to CANsurance Full Medical Plan, if the Insured has not made any claim for 10 consecutive years in a row (other than the claim of Wellness Joy Benefit), at the next policy renewal after that 10-year period, FWD will increase the Per Disability Limit by 20%. This is a one-off increase and will be applicable for all future policy years.

19. Worldwide ex USA includes anywhere in the world excluding United States of America.

Important Notes and Declarations:i. This CANsurance Series is underwritten by FWD. FWD is solely responsible for all features, Policy approval, coverage and benefit payment

under this CANsurance Series. FWD recommends you carefully consider whether the CANsurance Series is suitable for you in view of your financial needs and that you fully understand the risk involved in the CANsurance Series before submitting your application. You should not apply for or purchase this CANsurance Series unless you fully understand it and you agree it is suitable for you. Please read through the following related risks before making any application for the CANsurance Series.

ii. This product material is issued by FWD. FWD accepts full responsibility for the accuracy of the information contained in this product material. This product material is intended to be distributed in the Hong Kong Special Administrative Region (“Hong Kong”) only and shall not be construed as an offer to sell, a solicitation to buy or the provision of any insurance products of FWD outside Hong Kong. All selling and application procedures of CANsurance Series must be conducted and completed in Hong Kong.

iii. The products under this CANsurance Series are insurance products. The premium paid is not a bank savings deposit or time deposit. CANsurance Series is not protected under the Deposit Protection Scheme in Hong Kong.

iv. The products under this CANsurance Series are medical protection products without any savings element. The costs of insurance and the related costs of the policy are included in the premium paid despite the product brochure/ leaflet and/ or the illustration documents of the CANsurance Series having no schedule/ section of fees and charges or no additional charge noted other than the premium.

v. All underwriting and claims decisions are made by FWD. FWD relies upon the information provided by you and the Insured in the insurance application to decide to accept or decline the application with a full refund of any premium paid without interest. FWD reserves the right to accept/ reject any insurance application and can decline your insurance application without giving any reason.

vi. All the above benefits and payments are paid after deducting policy debts (if any, e.g. unpaid premiums or premium loan and the interest of the loan).

vii. If you are not fully satisfied with this policy, you have the right to change your mind. We trust that this policy will satisfy your financial needs. However, if you are not completely satisfied, you have the right to cancel and obtain

a full refund of the insurance premium paid by you and levy paid by you without interest by giving us written notice. Such notice must be signed by you and received directly by the office of FWD within 21 calendar days immediately following either the day of delivery of the policy or a Cooling-off Notice to you or your nominated representative, whichever is the earlier. The notice is the one sent to you or your nominated representative (separate from the policy) notifying you of your right to cancel within the stated 21 calendar day period. No refund can be made if a claim payment under the policy has been made prior to your request for cancellation. Should you have any further queries, you may:

(1) call our Customer Service Hotline on 3123 3123; (2) visit our FWD Insurance Solutions Centres; (3) email to cs.hk@fwd.com and we will be happy to explain your cancellation rights further.viii. While the Policy or rider (if applicable) is in force, the Policy Owner may surrender or terminate the Policy or rider (if applicable) by sending

a written request to FWD.ix. The Policy Provisions of the CANsurance Series are governed by the laws of Hong Kong.x. This product material is for reference only and is indicative of the key features of the CANsurance Series. For the exact terms and conditions

and the full list of exclusions of the CANsurance Series, please refer to the Policy Provisions. In the event of any ambiguity or inconsistency between the terms of this leaflet and the Policy Provisions, the Policy Provisions in English shall prevail. If you want to read the terms and conditions of the Policy Provisions before making an application, you can obtain a copy from FWD. In the event of discrepancies between the English and Chinese versions of this product material, the English version shall prevail.

FWD must comply with the following requirements of the Inland Revenue Ordinance to facilitate the Inland Revenue Department automatically exchanging certain financial account information:i. to identify accounts as non-excluded “financial accounts” (“NEFAs”);ii. to identify the jurisdiction(s) in which NEFA-holding individuals and NEFA-holding entities reside for tax purposes;iii. to determine the status of NEFA-holding entities as “passive NFEs” and identify the jurisdiction(s) in which their controlling persons reside for

tax purposes;iv. to collect information on NEFAs (“Required Information”); andv. to furnish Required Information to the Inland Revenue Department.You must comply with requests made by FWD to comply with the above listed requirements.

What are the key product risks?

Credit riskThe products under this CANsurance Series are insurance policies issued by FWD. The application of these insurance products 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 the insurance contract.

Exchange rate and currency riskThe application of these insurance products 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 these insurance products 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, there is a negative impact on the benefits you receive from the product. If the policy currency of the insurance product appreciates substantially against your home currency, your burden of the premium payment is increased.

Inflation riskThe cost of living in the future may be higher than now due to the effects of inflation. Therefore, the benefits under CANsurance Series may not be sufficient for the increasing protection needs in the future even if FWD fulfils all of its contractual obligations.

Termination conditionsThe policy of CANsurance Cancer Protection Plan or CANsurance Full Medical Plan will automatically end on the earliest of the following:1. If the Insured dies;2. The policy anniversary immediately following the Insured’s 99th birthday;3. You surrender the policy. FWD will determine the surrender date based on the rules and regulations of FWD at that time;4. 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;5. 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;6. 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;7. The premium grace period (or Extended Grace Period for CANsurance Cancer Protection Plan) expires and FWD has not received the premium

payment;8. If FWD ceases to offer relevant plan at each policy renewal;9. The date the total amount paid under Section A in Schedule of Benefit under all CANsurance Cancer Protection Plans that apply to the Insured

reach the Lifetime Cancer Limit6 (only applicable to CANsurance Cancer Protection Plan);10. When you convert the CANsurance Cancer Protection Plan to a designated full medical reimbursement plan by exercising Convertibility

Option4 (only applicable to CANsurance Cancer Protection Plan);11. The end of the basic policy that the CANsurance Cancer Protection Rider or CANsurance Full Medical Rider attaches (only applicable to

CANsurance Series riders).

PMH083-CWS-E2010

Exclusions

CANsurance Cancer Protection Plan Except Compassionate Death Benefit, CANsurance Cancer Protection Plan does not cover any Covered Cancer5 resulting directly or indirectly from or in respect of any of the following:1. any Covered Cancer5 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 ; or2. any drug or alcohol abuse unless the first symptoms of a relevant Covered Cancer5 caused by such drug or alcohol abuse occurs 2 years after the policy date or the date of last reinstatement, whichever is later.

CANsurance Full Medical Plan CANsurance Full Medical Plan will not pay any benefits if the hospitalisation, treatment or charges incurred relate to or arise as a direct or indirect result of:(a) the Insured’s pregnancy, surrogacy, childbirth or termination of pregnancy, birth control, infertility or human assisted reproduction, or sterilisation of either sexes; (b) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, riot, strike, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power, terrorist act, naval, military or air-force services, or any operation or combat duty with any armed force of any country, territory, or organization, nuclear reactions, nuclear radiation, nuclear contamination, biological contamination or chemical contamination; (c) the wilful participation of the Insured in any criminal offence or illegal acts;(d) AIDS or any complications associated with HIV Infection, unless the first symptoms appear of a relevant illness due to AIDS or any complications associated with HIV Infection occur 2 years or more after the policy date or the date of last reinstatement, whichever is later. 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;(e) mental disorder, psychological or psychiatric conditions, behavioural problems or personality disorder of the Insured;No Accidental Death Benefit is payable when the death of the Insured is directly or indirectly caused by the wilful participation of you, the Insured or Beneficiary in an illegal or unlawful act.

Please refer to the Policy Provisions for the services provided by International SOS.

Premium adjustmentThe 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.

Premium term and non-payment of premiumThe 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 for 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.

760430482506512519526549571595606619675738760779798839902918972

1,0301,0741,1011,1971,2591,3251,4291,5771,7411,8852,0462,1822,2932,6802,9153,1733,5013,9164,3784,8935,4685,9556,3366,4646,8587,2707,7498,3057,4017,8998,98810,18011,48212,78913,52314,30115,07615,84616,65617,50818,40519,19519,86520,55921,42322,32222,78122,78422,78522,78722,78822,92823,21023,49523,78324,07624,40124,76225,12825,50025,87726,259

945549613640654662674702729761773786861943978

1,0011,0291,0861,1651,1861,2551,3321,3881,4201,5431,6241,7081,8442,0382,3022,4982,7132,8963,0463,5233,8344,1724,6075,1575,7706,4557,2197,8508,3208,4558,9369,437

10,04510,7739,60510,23911,64113,171

14,83816,62417,58118,59419,60820,62521,69322,81623,99925,04225,93126,85327,99629,18829,80929,83229,85729,88029,90530,10030,47130,84531,22431,60732,03632,50832,98933,47733,97134,474

1,067630710752808828846886917950960973

1,0671,1791,2561,2981,3501,4261,5321,5581,6491,7481,8191,8632,0662,1702,2812,4682,7433,117

3,3983,7133,9784,1904,9905,4415,9326,5677,3738,2729,28210,41211,25611,76911,79512,29612,80913,55214,55413,24914,14216,09918,21620,50122,95824,25825,63327,04628,49930,03231,64833,35334,86836,17637,53339,20840,95641,87741,92941,98242,03542,08742,37242,89243,41943,95244,49145,09545,76046,43747,12447,82148,528

760430486518535548563599632667689713789872914947984

1,0551,1621,2111,3131,4261,5191,5911,7691,9022,0452,2522,5352,8543,1513,4863,7894,0534,8215,3395,9136,5827,3628,2299,20010,28111,19611,91312,15112,89113,66714,56715,61413,91514,84816,89619,13721,58724,04225,42326,88627,94928,58729,23929,90730,59130,97931,06131,14631,44331,74431,89431,89631,89831,90031,90232,10032,49332,89333,29733,70534,16134,66835,18035,69936,22736,763

945549618657678700720765807850877907

1,0061,1151,1711,2181,2691,3631,4991,5641,6961,8431,9632,0552,2832,4542,6362,9063,2783,7754,1734,6245,0295,3816,3387,0227,7798,6629,69710,84712,13613,57314,75715,64315,89616,80017,74418,88420,25218,05819,25021,88524,76127,89531,25433,05234,95736,35437,20638,07838,97239,88940,41740,54840,67941,09041,50741,73241,76541,80041,83341,86842,14142,66043,18243,71344,25144,84945,51146,18546,86647,56048,262

1,0676307187718388739099631,0141,0621,0911,1201,2451,3951,5081,5811,6631,7901,9702,0542,2272,4212,5762,6943,0533,2803,5223,8904,4105,1105,6796,3286,9087,4058,9279,910

10,99912,27913,78515,46717,35519,46721,04822,00522,05623,117

24,08025,47727,36124,90826,58830,26634,24738,54343,16145,60548,18950,14151,41252,71654,05655,43456,27356,56556,86157,54758,24258,62958,70158,77558,84858,92359,32060,04960,78761,53462,28863,13364,06665,01265,97366,94867,938

1-56-1819202122232425262728293031323334353637383940414243444546474849505152535455

56^57^58^59^60^61^62^63^64^65^66^67^68^69^70^71^72^73^74^75^76^77^78^79^80^81^82^83^84^85^86^87^88^89^90^91^92^93^94^95^96^97^98^99^

CANsurance Cancer Protection Plan Basic Plan (HKD) Annual Premium Table (excluding Mainland Chinese) - Male

Issue age 1 to 55 (next birthday)

SmokerNon-smoker

Issue Age (Next Birthday) Standard Superior Premier Standard Superior Premier 3,8883,2783,2613,2453,2293,2132,5542,5112,4472,4742,5052,6372,8122,9823,1633,3283,4543,5593,6773,7753,8923,9523,9783,9623,9713,9834,0434,2204,4134,5714,7915,0415,2985,6916,0056,3326,4216,4826,9137,2777,6478,1698,7049,3809,915

10,43811,34212,118

13,03613,87114,71315,77216,81718,07819,147

20,20922,20023,56125,07325,94126,73627,56328,46029,90430,81731,711

35,25936,45038,48839,61640,88542,35543,80046,13747,42948,87152,70254,45657,44159,01560,84562,43063,96566,82668,22769,838

4,3313,6513,6323,6143,5973,5792,8452,7972,7262,7562,7902,9373,1323,3223,5233,7073,8473,9644,0964,2054,3354,4024,4314,4134,4234,4364,5034,7004,9155,0915,3365,6155,9016,3396,6897,0537,1527,2207,7008,1058,5179,0999,69510,44811,04411,62612,63313,49814,52015,45016,38817,56718,73120,13621,32722,51024,72726,24327,92728,89429,78030,70131,70033,30834,32535,32139,27340,59942,87044,12645,53947,17748,78651,38952,82854,43458,70260,65563,98065,73367,77269,53771,24774,43375,99477,788

8,2806,3126,2796,2496,2186,1885,4035,3325,2405,3615,5315,8926,2556,8267,1997,5717,8138,0558,3618,6048,8478,9359,0019,0069,0119,0979,2149,67210,37010,58311,04211,54312,04412,63713,14113,64514,08514,72516,03316,70317,37418,38819,40421,93223,02424,11524,37126,05328,25430,03431,82334,00936,18739,16441,40143,62046,86549,73053,04754,85756,53558,32160,23163,45465,40267,31975,25577,79182,27884,71887,40790,53893,61798,795101,624104,716112,993116,760123,337126,812130,737134,150137,477143,871146,988150,466

9,9367,5757,5367,4997,4627,4266,4856,3996,2896,4346,6387,0717,5078,1928,6399,0869,3769,66610,03410,32610,61710,72310,80110,80710,81310,91711,05711,60812,44412,70113,25113,85214,45415,16515,77016,37516,90317,72419,29920,10420,91222,13323,35626,39927,71329,02729,33631,36134,01036,15238,30640,93743,55947,14249,83552,50656,40759,85163,84166,01968,03870,18872,48676,36678,71081,01690,54993,60098,999101,935105,170108,938112,642118,873122,276125,997135,941140,474148,386152,567157,289161,395165,397173,090176,840181,024

1-45-151617181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465666768697071^72^73^74^75^76^77^78^79^80^81^82^83^84^85^86^87^88^89^90^91^92^93^94^95^96^97^98^99^

CANsurance Full Medical PlanBasic Plan (HKD) Annual Premium Table (excluding Mainland Chinese) - Male

Issue Age (Next Birthday) Economy Standard Superior Premier

3,0993,5133,9824,3984,7434,9035,2685,6616,111

6,6327,4017,8998,98810,18011,48212,78913,52314,30115,07615,84616,65617,50818,40519,19519,86520,55921,42322,32222,78122,78422,78522,78722,78822,92823,21023,49523,78324,07624,40124,76225,12825,50025,87726,259

4,0854,6305,2485,7826,2066,3876,8327,3067,8718,5389,60510,23911,64113,171

14,83816,62417,58118,59419,60820,62521,69322,81623,99925,04225,93126,85327,99629,18829,80929,83229,85729,88029,90530,10030,47130,84531,22431,60732,03632,50832,98933,47733,97134,474

5,9706,7877,7148,4518,9469,0809,57910,10410,82011,75413,24914,14216,09918,21620,50122,95824,25825,63327,04628,49930,03231,64833,35334,86836,17637,53339,20840,95641,87741,92941,98242,03542,08742,37242,89243,41943,95244,49145,09545,76046,43747,12447,82148,528

5,8266,6057,4878,2698,9169,2189,90410,64211,49112,46613,91514,84816,89619,13721,58724,04225,42326,88627,94928,58729,23929,90730,59130,97931,06131,14631,44331,74431,89431,89631,89831,90031,90232,10032,49332,89333,29733,70534,16134,66835,18035,69936,22736,763

7,6798,7059,86710,87111,66812,00712,84313,73514,79816,05218,05819,25021,88524,76127,89531,25433,05234,95736,35437,20638,07838,97239,88940,41740,54840,67941,09041,50741,73241,76541,80041,83341,86842,14142,66043,18243,71344,25144,84945,51146,18546,86647,56048,262

11,22412,75914,50415,88816,81917,07018,00818,99520,34222,09724,90826,58830,26634,24738,54343,16145,60548,18950,14151,41252,71654,05655,43456,27356,56556,86157,54758,24258,62958,70158,77558,84858,92359,32060,04960,78761,53462,28863,13364,06665,01265,97366,94867,938

56575859606162636465666768697071^72^73^74^75^76^77^78^79^80^81^82^83^84^85^86^87^88^89^90^91^92^93^94^95^96^97^98^99^

CANsurance Cancer Protection Plan Basic Plan (HKD) Annual Premium Table (excluding Mainland Chinese) - Male

Issue age 56 to 70 (next birthday)

SmokerNon-smoker

Issue Age (Next Birthday) Standard Superior Premier Standard Superior Premier

^ Renewal premium for reference only

Important Notes: 1) The last update date of the above premium tables is 24 February 2017. 2) The premium tables are for reference only and not regarded as a contract or any part thereof between FWD Life Insurance Company (Bermuda) Limited ("FWD") and any other parties. Please refer to the product brochure and policy provisions for the details of CANsurance Cancer Protection Plan and CANsurance Full Medical Plan. 3) 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 at that time when the policy is renewed. Premium tables are subject to change based on factors including but not limited to the in�ation of related medical expenses, FWD’s medical claim experience and persistency of policies from time to time. FWD reserves the right to revise the bene�t payable, terms and conditions and premiums any time at renewal. 4) Half Yearly Premium = Annual Premium x 0.52, Monthly Premium = Annual Premium x 0.09. 5) Premiums are reduced by HKD95 for CANsurance Cancer Protection Rider; HKD160 for CANsurance Full Medical Rider. 6) For policies in US Dollars, the exchange rate for the premium above is �xed at 1:8 (USD:HKD) ; annual premiums of CANsurance Cancer Protection Rider and CANsurance Full Medical Rider are reduced by subtracting HKD95 and HKD160 respectively from respective premium amount in HKD and then divided by 8, and rounded to the nearest integer. 7) The premiums in the premium table are calculated based on standard rates and are for reference only. The actual premium will be determined by FWD upon policy approval.

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1705

763465511593669699735793879927982

1,0531,0961,1721,2081,2861,3731,4771,5981,7371,9462,1802,3962,5892,7722,9273,0883,2503,4073,5753,8614,1734,4384,5134,6354,7774,9245,0685,1985,3305,4725,6195,7705,9316,1856,3606,5356,7637,0336,2706,9747,3127,7028,1488,5038,6999,0829,4849,91010,35310,81711,30211,76012,19012,68313,19913,73714,08414,23314,38514,53814,69114,84214,98915,13715,28715,43915,61115,80316,00016,19816,39916,602

961589648751844877916989

1,0921,1471,2161,3001,3521,4461,4941,5921,7021,8351,9932,1732,4412,7423,0243,2763,5163,7183,9344,1494,3604,6865,0745,4995,8605,9736,0816,2826,4896,6896,8697,0537,2537,4577,6527,8458,1598,3688,5778,8699,2308,2389,1579,59410,10310,69011,23911,51612,04012,58513,14913,73814,35615,00015,61716,20116,87017,57118,30218,77818,98719,19819,41219,62919,83420,03120,22920,42920,63220,86221,11921,38221,64721,91522,187

1,111693764886

1,0421,0841,1341,2241,3581,4281,5191,6281,6971,8241,9302,0652,2142,3922,6052,8483,2053,6083,9864,3284,7565,0405,3445,6545,9636,4326,9927,6038,1278,3078,7099,0229,3429,6519,93510,22510,53910,85811,09811,26011,58811,76211,93112,28412,80511,67112,99313,63614,39915,29316,14916,61217,43618,25119,05619,89520,77421,69122,59923,49624,52125,59826,72127,44627,75128,05928,36928,68428,98429,27129,56129,85430,14930,48630,86231,24631,63432,02532,422

763465515609699740786863971

1,0371,1161,2131,2971,4421,5431,7091,8942,1012,3312,5972,9793,4193,8444,2464,6475,0105,4045,7305,9726,2336,6967,1977,7017,9758,3358,7479,1789,5269,77010,01910,28810,56410,84811,15111,62711,95612,28612,71413,22011,78813,11013,74514,47815,31715,98616,35317,07317,58517,87718,17418,47818,78518,98119,06219,21519,37419,53319,71819,92720,13920,35320,56920,78020,98421,19221,40121,61421,85522,12522,40022,67822,95823,244

961589656771879928984

1,0751,2071,2851,3821,4981,6001,7791,9092,1152,3502,6122,9053,2483,7374,3024,8525,3705,8906,3666,8847,3157,6448,1708,7999,48210,16910,55310,93511,50212,09312,57412,91213,26113,63514,01814,38714,75015,33915,73216,12616,67417,35315,48817,21418,03718,99520,09721,13021,64922,63623,33223,72124,11724,52224,93425,20425,33225,55625,78926,02526,28926,58126,87827,17727,47927,76928,04328,32028,60128,88429,20629,56829,93430,30630,68031,061

1,111693771907

1,0821,1451,2151,3301,4991,6001,7261,8762,0102,2432,4662,7443,0573,4073,7994,2554,9065,6606,3977,0977,9698,6309,3519,96710,45511,21612,12413,11414,10814,67815,58016,42717,31818,04818,57719,12019,70620,30420,75121,05421,66822,11222,42923,09224,07521,94224,42625,63627,07028,75130,36131,22932,77833,83834,37834,92635,48436,05436,47236,74037,14837,57137,99738,42438,85039,28139,71740,15740,57840,98141,38541,79542,20942,68043,20843,74544,28644,83645,391

1-56-1819202122232425262728293031323334353637383940414243444546474849505152535455

56^57^58^59^60^61^62^63^64^65^66^67^68^69^70^71^72^73^74^75^76^77^78^79^80^81^82^83^84^85^86^87^88^89^90^91^92^93^94^95^96^97^98^99^

CANsurance Cancer Protection Plan Basic Plan (HKD) Annual Premium Table (excluding Mainland Chinese) - Female

Issue age 1 to 55 (next birthday)

SmokerNon-smoker

Issue Age (Next Birthday) Standard Superior Premier Standard Superior Premier 2,7103,0263,0102,9962,9822,9663,0313,1233,1403,2463,3973,6513,8634,0864,2914,5114,6364,7814,9445,0975,2315,2615,3025,3325,3195,3125,2615,5015,7625,9416,1756,4226,6636,9587,1487,3257,2807,7017,9898,2488,5028,9229,3329,89210,31610,75311,41712,23212,93113,69014,44215,24316,07716,89117,71418,52219,28520,33720,97221,56522,20823,08523,89224,48625,28826,10929,04030,00330,98731,60032,49733,60334,71035,92036,69337,81640,89642,30143,66744,65245,99947,23548,52149,87650,63151,857

3,0183,3703,3533,3373,3213,3043,3763,4783,4983,6163,7844,0674,3034,5514,7795,0255,1645,3255,5075,6775,8265,8605,9065,9395,9245,9175,8606,1276,4186,6176,8787,1537,4227,7507,9628,1598,1098,5788,8999,1879,4709,93810,39411,01811,49011,97712,71713,62414,40315,24816,08616,97817,90718,81419,73020,63121,48022,65223,36024,02024,73625,71326,61227,27428,16729,08132,34633,41934,51435,19736,19737,42838,66140,00940,87042,12145,55247,11648,63849,73551,23552,61254,04555,55456,39557,760

5,7705,8275,7975,7695,7415,7135,6765,8355,7345,8676,0536,4486,8457,0457,4307,8158,0648,3138,5598,8089,0579,1469,2149,3959,4639,5539,67610,15810,38610,85811,32811,84212,35713,16613,69114,21614,67515,34215,56016,21016,86117,84618,83218,92419,86620,80823,15724,79825,97427,52229,06230,75832,50633,86435,57637,26439,81242,02143,20644,44945,77747,55349,20650,24351,87953,54659,87761,86663,73164,94966,81269,09771,37973,65675,16577,46683,78686,65589,22991,13493,88996,40599,011101,477102,894105,380

6,9246,9936,9576,9236,8896,8566,8117,0026,8827,0417,2647,7388,2148,4558,9179,3789,6779,97710,27210,57010,86910,97711,05711,27411,35611,46511,61212,19012,46513,03113,59514,21214,82915,80016,43017,06117,61118,46718,72919,511

20,29521,48022,66722,77823,91225,04527,87529,84931,26533,12934,98237,02439,12740,76242,82444,85547,91750,57251,99753,49355,09257,22959,21860,46662,43564,44272,04574,43876,68278,14880,39083,13985,88588,62490,44093,209100,802104,254107,351109,642112,957115,984119,120122,087123,791126,782

1-45-151617181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465666768697071^72^73^74^75^76^77^78^79^80^81^82^83^84^85^86^87^88^89^90^91^92^93^94^95^96^97^98^99^

CANsurance Full Medical PlanBasic Plan (HKD) Annual Premium Table (excluding Mainland Chinese) - Female

Issue Age (Next Birthday) Economy Standard Superior Premier

3,7873,9424,1054,2764,4574,7124,9085,1135,3555,6416,2706,9747,3127,7028,1488,5038,6999,0829,4849,91010,35310,81711,30211,76012,19012,68313,19913,73714,08414,23314,38514,53814,69114,84214,98915,13715,28715,43915,61115,80316,00016,19816,39916,602

5,0105,2195,4385,6585,8776,1906,4276,6716,9777,3518,2389,1579,59410,10310,69011,23911,51612,04012,58513,14913,73814,35615,00015,61716,20116,87017,57118,30218,77818,98719,19819,41219,62919,83420,03120,22920,42920,63220,86221,11921,38221,64721,91522,187

7,4057,7318,0728,3618,5958,9599,2059,4549,84510,39111,67112,99313,63614,39915,29316,14916,61217,43618,25119,05619,89520,77421,69122,59923,49624,52125,59826,72127,44627,75128,05928,36928,68428,98429,27129,56129,85430,14930,48630,86231,24631,63432,02532,422

7,1187,4117,7188,0408,3808,8599,2289,611

10,06910,60611,78813,11013,74514,47815,31715,98616,35317,07317,58517,87718,17418,47818,78518,98119,06219,21519,37419,53319,71819,92720,13920,35320,56920,78020,98421,19221,40121,61421,85522,12522,40022,67822,95823,244

9,4219,813

10,22510,63611,04711,63712,08312,54113,11713,82115,48817,21418,03718,99520,09721,13021,64922,63623,33223,72124,11724,52224,93425,20425,33225,55625,78926,02526,28926,58126,87827,17727,47927,76928,04328,32028,60128,88429,20629,56829,93430,30630,68031,061

13,92214,53415,17615,72016,15816,84317,30417,77418,51019,53521,94224,42625,63627,07028,75130,36131,22932,77833,83834,37834,92635,48436,05436,47236,74037,14837,57137,99738,42438,85039,28139,71740,15740,57840,98141,38541,79542,20942,68043,20843,74544,28644,83645,391

56575859606162636465666768697071^72^73^74^75^76^77^78^79^80^81^82^83^84^85^86^87^88^89^90^91^92^93^94^95^96^97^98^99^

^ Renewal premium for reference only

Important Notes: 1) The last update date of the above premium tables is 24 February 2017. 2) The premium tables are for reference only and not regarded as a contract or any part thereof between FWD Life Insurance Company (Bermuda) Limited ("FWD") and any other parties. Please refer to the product brochure and policy provisions for the details of CANsurance Cancer Protection Plan and CANsurance Full Medical Plan. 3) 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 at that time when the policy is renewed. Premium tables are subject to change based on factors including but not limited to the in�ation of related medical expenses, FWD’s medical claim experience and persistency of policies from time to time. FWD reserves the right to revise the bene�t payable, terms and conditions and premiums any time at renewal. 4) Half Yearly Premium = Annual Premium x 0.52, Monthly Premium = Annual Premium x 0.09. 5) Premiums are reduced by HKD95 for CANsurance Cancer Protection Rider; HKD160 for CANsurance Full Medical Rider. 6) For policies in US Dollars, the exchange rate for the premium above is �xed at 1:8 (USD:HKD); annual premiums of CANsurance Cancer Protection Rider and CANsurance Full Medical Rider are reduced by subtracting HKD95 and HKD160 respectively from respective premium amount in HKD and then divided by 8, and rounded to the nearest integer. 7) The premiums in the premium table are calculated based on standard rates and are for reference only. The actual premium will be determined by FWD upon policy approval.

CANsurance Cancer Protection Plan Basic Plan (HKD) Annual Premium Table (excluding Mainland Chinese) - Female

Issue age 56 to 70 (next birthday)

SmokerNon-smoker

Issue Age (Next Birthday) Standard Superior Premier Standard Superior Premier