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| Critical Medical Care Insurance
Plan |
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The Critical Illness Benefit covers 34 common
critical illnesses including female diseases such as breast and cervical
cancer. |
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The unique Major Medical Care Benefit reimburses a
wide range of surgical, hospitalization and related expenses in respect of
specified major illnesses, surgery and Long Term Care. This benefit is payable
in addition to any claims paid for critical illnesses. |
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A death benefit equal to 100% of the Face Amount
is paid directly to your beneficiary if misfortune strikes. This amount is paid
in addition to any other benefits. This will be doubled if you have not
received any payments under the Critical Illness Benefit. |
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After we pay you an amount for the Critical
Illness or Major Medical Care Benefit, your premium is immediately waived and
your coverage continues for free. |
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| Living Master Benefit |
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The Critical Illness Benefit provides
exceptionally comprehensive coverage for 48 common critical illnesses and
disabilities by advancing the death benefit and policy values payable under your basic plan. |
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The Recurring Benefit will be payable with no further premium required if Cancer, a Heart Attack or Stroke recurs within a specified coverage period.
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The additional Life Stage Benefit that covers Juvenile, Female / Male Illnesses and Golden Years Condition cares for your needs at different stages of life. |
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The Value-added Benefit provides you with one of the following professional services of your choice:
| | Second Medical Opinion Service, which is provided by a third party company, Inter Partner Assistance Hong Kong Limited. This service is not guaranteed renewable. |
| | Psychological Counselling Service (Maximum cap USD1,250 / HKD10,000) |
| | Dietetic Therapy Service (Maximum cap USD1,250 / HKD10,000) |
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| Living Master Extra Benefit |
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The Critical Illness Benefit provides
exceptionally comprehensive coverage for 48 common critical illnesses and
disabilities. This is a top-up coverage in addition to your basic plan life
insurance. |
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The Recurring Benefit will be payable with no further premium required if Cancer, a Heart Attack or Stroke recurs within a specified coverage period. |
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The additional Life Stage Benefit that covers Juvenile, Female / Male Illnesses and Golden Years Condition cares for your needs at different stages of life. |
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The Value-added Benefit provides you with one of the following professional services of your choice:
| | Second Medical Opinion Service, which is provided by a third party company, Inter Partner Assistance Hong Kong Limited. This service is not guaranteed renewable. |
| | Psychological Counselling Service (Maximum cap USD1,250 / HKD10,000) |
| | Dietetic Therapy Service (Maximum cap USD1,250 / HKD10,000) |
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| Lavender Lady's Benefit |
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Lavender covers a range of carcinoma-in-situ and
cancer, including breast, cervix uteri, uterus, ovary, fallopian tube and
vagina, as well as common female-specific critical illnesses. |
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A daily Get-Well-Soon Benefit is payable if you
are hospitalized due to an accident. |
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Free medical check-ups will be offered every two
years in the first 10 years after the benefit effective date. |
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With our Back-To-Beauty Benefit, you will be
reimbursed for facial reconstruction and skin grafting expenses arising from an
accident. |
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The Mental Well-Being Benefit reimburses you for
the consultation fees for bereavement therapy following the death of your
spouse or child for postnatal depression. |
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Complimentary Accidental Death Benefit is offered
to your spouse and children. |
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The optional Carnation Pregnancy Cover provides
dedicated protection, covering pregnancy complications and congenital
anomalies. |
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| Child Accident and Illness
Benefits |
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This benefit will pay out a cash lump sum to help
you pay for medical expenses if the insured child suffers from one of the
specified Critical Conditions such as Hemophilia. |
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A cash lump sum will be paid if the insured child
loses a limb, his/her sight, or suffers from major burns in an accident. |
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| The above information is subject to the terms, conditions and exclusions of the respective policy and benefits. Please refer to the relevant policy documents for details. |