Frequently Asked Questions

3-in-1 Protection Bundle Insurance Questions

The 3-in-1 Protection Bundle Insurance gives you 360-degree protection plus rewards in one application:
  1.   + unli medical consults
  2.   + telemedicine access
  3.   + global emergency services

Plus, an additional reward you can use for online shopping.

To buy the 3-in-1 Protection Bundle Insurance, you must:

a. be 18-50 years old
b. be a Filipino citizen or legal Philippine resident for at least 6 months
c. in good health
d. have no , or , yet.
e. not have an occupation that involves any of the following:

• Working at 15 meters or more above or below the ground
• Off-shore work or fishing
• Mining or working on oil rigs
• Arms Dealer
• Explosives Assembler/Maker
• Professional Equestrian, Boxer, Diver
• Non-commercial pilot
• Working as a politician

You cannot buy the 3-in-1 Protection Bundle Insurance if you already have , or . You can only buy each product once.

For example, you already bought KanLive Life Insurance Plan 1799. You cannot buy this 3-in-1 Protection Bundle Insurance anymore. What you can do is buy KanMend Critical Illness Insurance Plan 1799 and KanGuard Accidental Insurance Plan 1799 separately.

There are a few situations where benefit is not given.

For :

You can't claim if your condition or symptom arose during the 90-day no-claim period, or if the critical illness was due to:

• Pre-existing conditions
• Drugs or alcohol abuse
• Cancer or encephalitis in the presence of HIV
• Loss of independent existence due to psychiatric causes
• Suicide or self-inflicted acts
• Unlawful acts of the insured or policy owner
• War

The definitions of these exclusions can be found in your .

For :

You can't claim if death is due to attempted suicide or deliberate self-harm of the insured while sane within 2 years from the policy's effective date. In this case, we will return all paid premiums to the beneficiaries.

For :

You can't claim if death and disabilities resulted from:
  1. an illegal or unlawful act by the insured person (including terrorist acts); or
  2. war or any act of war (whether declared or not), or any civil or military uprising.

The 3-in-1 Protection Bundle Insurance gives you the following benefits:

₱200,000 cash benefit in case of death from any cause, giving your family the cash benefit they need.

₱100,000 financial support for medical treatments when diagnosed with any of the 42 covered major critical illnesses.

₱500,000 cash benefit in case of death due to accident or terrorist act, or disability due to terrorist act.

Yes. You'll get 3 policy contracts, one each for , or .

You can view the details of each insurance plan in FWD's mobile app, .

Please expect 3 welcome emails from FWD, containing your FWD Tapp log-in credentials.

You can pay your initial premium thru FWD's online shop using:
1. debit card
2. credit card
3. GCash (for up to ₱10,000) for GCash.

Succeeding payments can be set up or done thru these .

For and , the insurance coverage starts on the effective date shown on the policy data page of your contract.

For , it starts 90 days after the effective date shown on the policy data page of your contract.

If you pay your premiums every-year, you will be covered until age 55.

The 3-in-1 Protection Bundle Insurance gives you access to all the rewards under KanMend Critical Illness Insurance Plan 1799, KanLive Life Insurance Plan 1799, and KanGuard Accidental Death Insurance Plan 1799 plus, you will automatically receive an extra reward!

  1. 1-year unli medical consults reward for
  2. 6 months' unli telemedicine reward for
  3. 1-year global emergency services reward for
Plus! You'll get an additional reward that you can use when you shop online.

You are covered by all 3 insurance plans in the bundle—, , and . Should the unexpected happen, you can claim the covered benefit from any of these 3 insurance plans.

Contact our 24/7 Customer Connect at +632 8888 8388,, or Live Chat, available in and our mobile app, .