Have you ever wondered what would happen if you were suddenly diagnosed with a critical illness? It's a sobering thought, but one that's important to consider. FWD Big 3 Critical Illness insurance is designed to provide financial protection and peace of mind in the face of life's unexpected health challenges. Let's dive into the details of this policy to help you understand if it's the right fit for your needs.
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FWD Big 3 Critical Illness insurance is a non-participating critical illness plan that provides coverage for three major critical illnesses :
This policy is designed to offer financial support if you're diagnosed with one of these conditions, allowing you to focus on recovery without the added stress of financial burden.
Pays out 100% of the sum insured or total premiums paid , whichever is higher. Covers cancer, heart attack of specified severity, and stroke with permanent neurological deficit.
Pays out 100% of the sum insured to your nominated beneficiary.
You're protected no matter where you are in the world.
You can apply for this policy up to age 65.
Long-lasting protection that stays with you through your golden years.
No health questions asked for the basic plan.
Let's break down the coverage in simple terms:
The premium you pay depends on factors like your age, gender, smoking status, and the sum insured you choose. Here's a general idea of the annual premiums (including 8% GST):
Remember, these are just examples. Your actual premium may differ based on your specific circumstances.
Payment Options:
There's a 90-day waiting period from the policy issue date . No benefit will be paid if you experience symptoms or are diagnosed within this period.
Not covered if directly or indirectly caused by a pre-existing condition.
Premiums are not guaranteed and may increase as you get older.
While the policy is renewable until age 85, renewal is not guaranteed.
This is a pure protection plan with no cash value if terminated early.
For even more comprehensive coverage, you can add the FWD Heart & Neurological Disorder rider to your policy. This rider covers 21 additional conditions related to heart and neurological disorders, including:
The rider pays out 100% of the sum insured for the big 3 benefit if you're diagnosed with any of the covered conditions.
Comprehensive coverage for three major critical illnesses
High entry age and coverage until 100 years old
Guaranteed acceptance for basic plan
Worldwide coverage
Optional rider for additional protection
Limited to only three critical illnesses in the basic plan
Premiums may increase over time
No savings or investment component
Renewal not guaranteed after age 85
This policy might be a good fit if:
However, it might not be suitable if:
Remember, while this policy offers valuable protection, it's important to consider it as part of your overall financial plan. It's designed to complement, not replace, comprehensive health insurance.
Choosing the right insurance policy is an important decision that can have significant impact on your financial future. While FWD Big 3 Critical Illness insurance offers robust protection against three major critical illnesses, it's crucial to ensure it aligns with your specific needs and circumstances.
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Compare other critical illness options to find the best coverage for your needs
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