Have the confidence to follow your dreams knowing you and your loved ones’ are protected from unexpected financial burdens of a critical illness and common diseases in the Philippines.
Life insurance plan that’s easy on the budget and allows you to enjoy life while financially protecting you and those you care about.
KanDuu covers you, so you CAN DO everything you want in life with no hesitations.
We’ve made it even more convenient for you to enjoy life with our hassle-free payment system by giving you the freedom of choice. Choose a payment method that is more suitable for your needs.
FWD commits to putting its customers first with additional protection against COVID-19.
For customers with active and eligible life insurance plans, additional lump sum medical and funeral benefit will be provided if diagnosed with COVID-19. We have your back no matter the challenge of the COVID-19.
We have your back no matter the challenge of the COVID-19.
Special coverage period from March 9, 2020 up to April 15, 2020
COVID-19 Ready Benefit Frequently Asked Questions
1. What is COVID-19?
2. What are the symptoms of COVID-19?
The most common symptoms of COVID-19 are fever, cough, and shortness of breath. Symptoms may appear 2-14 days after exposure.
3. Is COVID-19 a critical illness?
4. What can I do to avoid getting infected by COVID-19?
• Regularly and thoroughly clean your hands with an alcohol-based hand rub or wash them with soap and water. • Maintain at least 1-meter (3 feet) distance between yourself and anyone who is coughing or sneezing. • Avoid touching eyes, nose and mouth. • Make sure you, and the people around you, follow good respiratory hygiene. This means covering your mouth and nose with your bent elbow or tissue when you cough or sneeze. Then dispose of the used tissue immediately. • Stay home if you feel unwell. If you have a fever, cough and difficulty breathing, seek medical attention and call in advance. Follow the directions of your local health authority. • Stay informed on the latest developments about COVID-19. Follow advice given by your healthcare provider, your national and local public health authority or your employer on how to protect yourself and others from COVID-19. • Keep up to date on the latest COVID-19 hotspots (cities or local areas where COVID-19 is spreading widely). If possible, avoid traveling to places, especially if you are an older person or have diabetes, heart or lung disease.
5. Do my existing FWD insurance plans cover COVID-19?
For active and eligible FWD insurance plans, an additional ‘FWD COVID-19 Ready’ death benefit can be claimed in case of death due to COVID-19. You can also file a claim for the following benefits if you have them in your plan: a. Hospital cash benefit, which is subject to the conditions in the plan b. Critical illness benefit, should COVID-19 lead to a critical illness
6. Can my beneficiary file a claim if I die due to a COVID-19 infection?
The FWD COVID-19 Ready coverage provides an additional funeral benefit if the covered insured dies because of COVID-19. This is payable to the beneficiary. The funeral benefit is on top of the death benefit from the existing life insurance plan.
7. Am I still eligible to receive the additional benefits even if I claim late?
8. Is there a grace period for the payment of insurance premiums?
9. How do I file the claim for the additional benefits for COVID-19
10. If the insured recovers from COVID-19 then subsequently, I am diagnosed with a new instance of the condition outside the special coverage period, will they still be eligible for the additional funeral benefit?
11. Do I have to pay extra to be eligible for the additional COVID-19 benefits?
FWD COVID-19 Ready benefits are available at no additional costs for active and eligible FWD insurance plans.
12. Can I claim if my policy is lapsed and I am diagnosed with COVID-19?
13. Can I claim on the FWD COVID-19 Ready additional benefits even if I am outside the Philippines?
14. I have two life insurance plans. Can I claim the additional COVID-19 benefit for each plan that I have?
15. Are there any fees included in the process of claiming this benefit?
16. Will a certain amount be deducted from the insurance or will this be provided at no cost?
17. Upon presenting proof of diagnosis, will claimants receive these additional benefits immediately?
Frequently Asked Questions (FAQs) on how to claim your additional benefits for COVID-19
1. Do my existing FWD insurance plans cover COVID-19?
You can also file a claim for the following benefits if you have them in your plan: a. Hospital cash benefit, which is subject to the conditions in the plan b. Critical illness benefit, should COVID-19 lead to a critical illness
2. Can my beneficiary file a claim if I die due to a COVID-19 infection?
3. Am I still eligible to receive the additional FWD COVID-19 Ready benefits even if I claim late?
4. Is there a grace period for the payment of insurance premiums?
5. How do I file the claim for the additional FWD COVID-19 Ready benefits?
6. Will the additional COVID-19 Ready benefits be claimed even if the insured has unpaid premiums?
7. If I recover from COVID-19 then subsequently, I am diagnosed with a new instance of the condition outside the special coverage period, will I still be eligible for the additional funeral benefit?
If you have subsequent instances of COVID-19 outside the special coverage period, you are no longer covered for the additional benefit. Your beneficiary, however, will still receive the death benefit from your existing plan.
8. Do I have to pay extra to be eligible for the additional FWD COVID-19 Ready benefits?
9. Can I claim if my policy is lapsed and I am diagnosed with COVID-19?
10. Can I claim on the FWD COVID-19 Ready additional benefits even if I am outside the Philippines?
11. I have two life insurance plans. Can I claim the additional FWD COVID-19 Ready benefit for each plan that I have?
12. Are there any fees included in the process of claiming this FWD COVID-19 Ready benefit?
13. Will a certain amount be deducted from the insurance or will this be provided at no cost?
14. Upon presenting proof of diagnosis, will claimants receive these additional FWD COVID-19 Ready benefits immediately?