FWD The One Life Insurance Cover

The FWD The One Life InsuranceCover lets you choose a plan, add-on benefits, and coverage amount that suits your needs and lifestyle. It offers customizable coverage for every phase of life, from Gen Z to those up to 70 years old.

 

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Eligibility 

You can avail of this product if you are: 

  • At least 18-70 years old
  • A Fully Verified GCash user
  • In good health, able to work and do daily activities without any help
  • A Filipino citizen or a foreigner who is a legal resident of the Philippines for at least 6 months

 

Note:

You cannot buy this policy for someone else directly.  

 

Coverage

With FWD The One Life Insurance Cover, you are provided with the following benefits until age 79:

FWD The One for Life Insurance Cover Benefits:

  • Death Benefit
  • Accidental Death Benefit
  • Critical Illness Benefit

You can choose a plan that includes one, two, or all three of these benefits:

  • Death Benefit
    Your beneficiaries will receive a Death Benefit if you pass away.
  • Accidental Death Benefit
    Add this to your plan to provide a cash benefit to your beneficiaries if you pass away due to an accident.
  • Critical Illness Benefit
    Add coverage for critical illness and claim a benefit amount if you’re diagnosed with any of the 42 covered major critical illnesses.

Plan Variants:

  • Death, Accidental Death, & Critical Illness Benefits
  • Death & Accidental Death Benefits
  • Death & Critical Illness Benefits
  • Death Benefit

 

Note:

You are covered while you are outside of the Philippines except for COVID-19. The cash benefit payable will be in Philippine pesos.

 

Purchase FWD The One Life Insurance Cover

Note: You can buy multiple plans, but the total benefit amount cannot exceed Php 2,000,000 for Critical Illness (CI) and Php 5,000,000 for Digital products.


To purchase FWD The One Life insurance product follow the steps below:

  1. On your GCash app, tap GInsure > Life
  2. Select the The One Life Insurance product.
  3. Fill out the application form with the required details and agree to the health declarations.
  4. Complete the payment process.

You will receive a confirmation page of the successful payment of your chosen policy. 

FWD will send your e-policy within 24-42 hours of completing the application and payment. You'll receive it via your registered email, which will also be accessible on the Policy Page in the GCash app.

 

You can also check a copy in the app Omne by FWD.

 

Premium payments will be automatically deducted from your GCash e-wallet on the due dates. Make sure your GCash balance is sufficient to keep your policy active.

 

Cancellation and Claims 

Cancellation

You are entitled to a free-look period which will run for 15 days upon issuance of the policy. During this period, you may review the policy provisions, inclusions, and exclusions. 

If you decide to cancel your policy within the free-look period, you may do so on the Omne by FWD app, contact their 24/7 Customer Connect at +632 8888 8388, or email CustomerConnect.ph@fwd.com, to get a full refund.  



Claims

When can claims not be paid? [dropdown]

For Death Benefit

You cannot claim if death is due to attempted suicide or deliberate self-harm while the insured is sane within 2 years from the policy's effective date. In such cases, FWD will return all paid premiums to the beneficiaries.

For Accidental Death Benefit

FWD will not pay any benefit if the claim arises from committing an illegal or unlawful act (including a terrorist act), failure to act, war or any act of war (whether declared or not), or any civil or military uprising.

For Critical Illness Benefit

No major critical illness benefit will be paid if signs of the condition appear within the no-claim period, even if the condition is diagnosed after the period by a medical practitioner. FWD also do not pay for claims arising from pre-existing conditions. Claims related to drug or alcohol abuse, HIV, psychiatric-related causes, suicide, self-inflicted acts, unlawful acts, and war are also excluded.

 

To file a claim, you can reach FWD through any of the following:

  • 24/7 Customer Connect: Call +632 8888 8388
  • Email: CustomerConnect.ph@fwd.com or claimsconnect.ph@fwd.com
  • Omne by FWD App: Submit your claim directly through the app

 

A dedicated FWD Claims Ambassador will be assigned to assist you personally.



Contact FWD Insurance

To contact FWD, check out their available channels below: 

  • 24/7 Customer Connect: Call +632 8888 8388
  • Email: CustomerConnect.ph@fwd.com or claimsconnect.ph@fwd.com
  • Omne by FWD App: Submit your claim directly through the app



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