FWD shall not be responsible for any act or failure to act on the part of International SOS and the professionals.
Reasonable and customary charges refers to a fee or expense which:
The Sum Insured Limit becomes zero once 100% of the Initial Sum Insured is paid. Sum Insured Limit is equivalent to the Initial Sum Insured less any benefit paid under Accidental Death and Dismemberment Benefit, Scar due to Accident Benefit and Permanent Total Disability Benefit.Physician should have certified that the Insured is beyond any reasonable hope of improvement from such disability before FWD starts making the payments of a) monthly benefit and b) Sum Insured Limit.If a claim is payable at an amount that is higher than the Sum Insured Limit, FWD will only pay the amount of the Sum Insured Limit. The Plan will end once 100% of the Initial Sum Insured has been paid (when the Sum Insured Limit becomes zero). FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD”) will pay the Accidental Death and Dismemberment Benefit and the Permanent Total Disability Benefit, up to a maximum of 100% of the Initial Sum Insured, regardless of the numbers of Accidental Injuries sustained by the Insured. The accidental death and dismemberment (please refer to the Schedule of Benefits on page 12 of product brochure) and the Permanent Total Disability must occur within 180 days from the date of Accident.(while subject to a maximum of HK$ 16,000 per Accident if the Insured is under age 19 at next birthday on the date of the Accident) Total Plan: 5% of the Initial Sum Insured per Accident.If the policy has been in force for at least two policy years and no claims have been incurred under the policy during any 2 consecutive policy years immediately prior to the policy’s renewal, the maximum reimbursement amount per Policy Year for Chiropractic treatment and Physiotherapy will be waived permanently.
Mysafe manual spm8007811411 skin#