| Critical Illness Life
Insurance Plan of Hang Seng Insurance Company Limited (“Hang
Seng Insurance”) brings you all-round critical
illness protection and enables you to confront
any challenge in each stage of life. |
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38 critical illnesses are covered
under the Critical Illness Benefit(1),
including cancers, strokes, heart diseases and
other common critical illnesses. |
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The Carcinoma In-Situ Benefit(2)
and Early Stage Cancer Benefit(3) are
introduced, so that part of the Sum Insured can
be advanced for treatment expenses. |
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Enjoy life protection while the policy is in
force. |
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Guaranteed Cash Value and projected annual policy
dividends(4) are provided during the
policy period as savings for your financial flexibility. |
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Shorter premium payment terms for your selection:
15 years, 20 years or up to the Life Insured’s
Insurance Age(5) of 85. |
| (1) |
Critical Illness Benefit is payable
according to the definitions of critical illnesses
as defined under the Policy of the Plan. The relevant
definitions are stated in the terms and conditions
of the Policy. After the policy has been issued
for 90 days up to the life insured's Insurance Age(5)
of 85, the Critical Illness Benefit will only
be payable once even if the Life Insured is diagnosed
with more than one critical illnesses by a registered
doctor. The Policy will be terminated once such
claim is settled. |
| (2) |
The Carcinoma In-Situ Benefit, payable up to twice per different organ and once
per same organ, is payable according to the definitions of Carcinoma
In-Situ as defined under the Policy of the Plan.
The Benefit equivalent to 10% of Sum Insured will
be payable each time and subject to a maximum
benefit amount of HKD120,000 (USD15,000) per Life
Insured per claim. Once advance payments(6)
are made twice, this Carcinoma-In-Situ Benefit
will then be terminated. Death Benefit, Critical
Illness Benefit(1), Guaranteed Cash
Value upon surrender or maturity of the Plan will
be reduced by the advance payment made under Carcinoma-In-Situ
Benefit. Premium payable under the Policy will
not be reduced after claiming the aforesaid benefit. |
| (3) |
The Early Stage Cancer Benefit, payable up to twice per different organ and once
per same organ, is payable according to the definitions of Early
Stage Cancer as defined under the Policy of the
Plan. The Benefit equivalent to 20% of Sum Insured
will be payable each time and subject to a maximum
benefit amount of HKD240,000 (USD30,000) per Life
Insured per claim. Once advance payments(6)
are made twice, this Early Stage Cancer Benefit
will then be terminated. Death Benefit, Critical
Illness Benefit(1), Guaranteed Cash Value upon
surrender or maturity of the Plan will be reduced
by the advance payment made under Early Stage
Cancer Benefit. Premium payable under the Policy
will not be reduced after claiming the aforesaid
benefit. In the event that Early Stage Cancer
Benefit has been paid for a particular organ,
the Carcinoma In-Situ Benefit(2) under
the Plan for the same organ terminates. |
| (4) |
The policy dividends and the annual interest
rate that is used to accumulate the policy dividends
are not guaranteed. The policy dividend scales
will be determined based on the overall experience
of this Plan and all similar policies. The
Sum Insured at the time of application will be used in calculating the dividend
amount, and adjusted for any subsequent reduction
in Sum Insured requested by Policyholder. |
| (5) |
Insurance Age means, at any date, the age of the Life Insured or Policyholder (as applicable)
on the most recent birthday prior to the Policy Date plus the number of completed Policy Years. If
the Life Insured’s or Policyholder’s (as applicable) birthday is on the Policy Date, it will be
calculated based on the age on such Policy Date. |
| (6) |
Advance payments refer to the benefit amount
paid under Carcinoma-In-Situ Benefit(2)
and / or Early Stage Cancer Benefit(3)
of this Plan. |
Please call 2198 7838 or visit any of our branches. |
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