Vibrant Critical Illness Insurance

Complete protection plan from wellness to recovery

Stay healthy and happy by taking care of your health before anything happens to after everything happens. FWD Vibrant supports you every step of the way.

health protection

critical illness

health benefits

Available to buy via

FWD financial advisors

Health Screening Benefit

Get 0.2% of your Benefit Amount starting on your 2nd policy anniversary to help monitor your health. This is payable every 2 years up to your 10th policy anniversary, as long as you haven’t made any major critical illness claims.

Up to 6x Major Critical Illness Benefit

Get 100% of the Benefit Amount when you're diagnosed with a major critical illness, with 3x maximum claims for cancer, and 3x maximum claims for non-cancer.

Health Supplement Benefit

Upon diagnosis of your first major critical illness, you’ll receive this one-time benefit, which gives 2% of your Benefit Amount every month for six months to help with your recovery.

Minor Critical Illness Benefit

Receive coverage equivalent to 25% of your Benefit Amount if you are diagnosed with any of the 15 covered minor critical illnesses.

Waive future payments

We’ll pay your premiums once you’re diagnosed with a major critical illness or permanent disability so you can focus on your health.

Maturity Benefit or Death Benefit

If you never make a major critical illness claim, we'll give you 100% of the Benefit Amount when you reach age 100 to celebrate the milestone on your policy anniversary. If you pass away before then without having made a major critical illness claim, we'll give your beneficiary 100% of the Benefit Amount.

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Frequently asked questions

I have the claim forms and documents ready. When should I file my claim?

We request that all claims (including loss of life) are made within 90 days. One of our dedicated claims ambassadors will then get in touch with you to confirm that we’ve received your claim and advise on next steps.

In case you’re not able to submit within the 90-day period, don’t worry! We will not invalidate nor reduce the claim if we find that it’s not practical to submit the requirements within the allowable time.

I’m currently overseas. Can I still make a claim?

Yes, no problem.

However all documents coming from abroad will need the Philippine Consular Office’s authentication. You’ll need to bring your claim documents to the Philippine Consular Office to get them authenticated. This may involve making an appointment so do check in advance before turning up. A simple online search will tell you where your nearest Philippine Consular Office is. If not, feel free to get in touch with our team and we’ll find out on your behalf.

Once your paperwork is authenticated, please mail your claim application to the FWD Head Office:

FWD Customer Connect Center
19/F W Fifth Avenue Building,
5th Avenue corner 32nd Street,
Bonifacio Global City,
Taguig City 1634
The Philippines

Can somebody else file a claim on my behalf?

Yes. Please provide a Special Power of Attorney (SPA) document with your claim. This needs to include valid IDs for both of you.

I have questions about my policy. Who can I talk to?

There are many ways to get in touch with us. You can find your preferred channel here.

Can I increase my life coverage?

No problem. To do this, simply fill out and submit the following two forms:

Policy change form - dated, signed by policyholder and witness (can be your advisor or an FWD branch executive)
Health statement form

We’ll then send you an updated sales illustration and will let you know the premium payment difference. Please have a read of all the terms, then sign and date it and send it back to posconnect.ph@fwd.com.

Please remember:

You can only increase your coverage within one year from your policy's start date.
You will need your assignees or irrevocable beneficiaries’ consent to reduce your coverage.

I want to change my life insurance beneficiary. How do I do that?

Please head along in-person to any FWD business hub and submit two copies of the Policy change form - dated, signed by policyholder and witness (can be your advisor or an FWD branch executive). This is because we need to authenticate all the information.

If your current beneficiary is irrevocable, please have them sign the form.
If you’re designating your spouse as a new beneficiary, please provide a marriage contract.
If your intended beneficiary is a minor, please name a trustee on the form, along with a notarized deed of trust form.

Need help ?

We have a range of options for support and help.

Call +632 8888 8388

We’re always ready to help, 24/7

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Email us

Drop us an email via customerconnect.ph@fwd.com and we’ll get back to you as soon as possible