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	MediCash Lifetime Insurance Plan
	MediCash Lifetime Insurance Plan PLUS

MediCash Lifetime Insurance Plan

Lifetime Medical Protection Keeps You in Perfect Shape Ready for Retirement and Prior
You work hard to accumulate sufficient retirement savings so you can enjoy a worry-free retirement. But have you ever considered supporting your most important asset of all - Your Physical Well-being? Hang Seng Insurance Company Limited ("Hang Seng Insurance") brings you MediCash Lifetime Insurance Plan, an ideal solution to meet these needs. This Plan has the following features:

	Self-selected payment term so you can settle premiums with ease
	Fixed premium for better financial planning
	Lifetime⁽¹⁾ medical protection and life insurance protection giving you and your family extra peace of mind
	Claimable amounts under "Daily Hospital Cash Benefit" and "Surgical Cash Benefit" are fixed and will not be affected by benefits from other policies⁽²⁾
	Projected policy dividends⁽³⁾ and Guaranteed Cash Value⁽⁴⁾ for more financial flexibility

(1)	After the Policy takes effect, you shall be entitled to a Medical Account with value equivalent to the Sum Insured of the Policy to settle the respective medical expenses covered under the policy provisions. As long as your Medical Account has a positive balance, the Policy shall remain in force until the insurance age⁽⁵⁾ of 99. Your Policy will be automatically terminated once your Medical Account balance reaches zero.
(2)	“Hang Seng Insurance” offers no recommendation or guarantee as to whether the benefit to be received from other insurance companies or medical benefits providers would be affected if benefit for the same claims is received from “Hang Seng Insurance”. You are required to check with the relevant companies on this.
(3)	The policy dividends and the interest rates for policy dividend accumulations are not guaranteed.
(4)	If the Policy is surrendered during the policy term, customers will receive a surrender value equivalent to the Guaranteed Cash Value of the Policy minus the Total Medical Claims Paid (if any), plus the accumulated policy dividends and interests (if any).
(5)	Insurance age is determined by the age of the nearest birthday of the Insured.

Notes :
•	MediCash Lifetime Insurance Plan is underwritten by Hang Seng Insurance Company Limited which is authorized and regulated by the Commissioner of Insurance of HKSAR. Hang Seng Bank Limited is an insurance agent authorized by Hang Seng Insurance Company Limited.
•	The above is intended as a general summary of information only. Please refer to the actual policy for exact terms, conditions and exclusions of the plan.

Please call 2198 7838 or visit any of our branches.

Claim for MediCash Lifetime Insurance Plan
	Claims Guide
	Claim Form

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MediCash Lifetime Insurance Plan PLUS

Allowing You to Enjoy Medical Protection to the Fullest

While mastering your career, investment and every aspect of your living, we believe that you care about your medical protection and retirement plan arrangement as much as your quality of life. A lifetime medical protection plan with sufficient medical expenses coverage and a flexible payment arrangement is indispensable for you to enjoy comprehensive medical protection. Hence, Hang Seng Insurance Company Limited brings you MediCash Lifetime Insurance Plan PLUS to provide you with an ideal solution.

MediCash Lifetime Insurance Plan PLUS has the following features:

Sufficient medical expenses coverage ensures lifetime⁽¹⁾ medical protection, giving you and your family extra peace of mind

-	Class Diamond - Sum Insured:HKD1,500,000 / USD187,500
-	Class Gold – Sum Insured: HKD1,200,000 / US$150,000

Premium can be settled by a lump sum payment for greater flexibility in wealth management

Fixed premium ensures better financial planning

Fixed benefit amounts under Daily Hospital Cash Benefit and Surgical Cash Benefit are available for increased financial versatility

Post Surgery Income⁽²⁾ complements the medical protection perfectly

Life protection⁽³⁾ and projected annual policy dividends⁽⁴⁾ are provided giving you both protection and return

Notes :
•	MediCash Lifetime Insurance Plan is underwritten by Hang Seng Insurance Company Limited which is authorized and regulated by the Commissioner of Insurance of HKSAR. Hang Seng Bank Limited is an insurance agent authorized by Hang Seng Insurance Company Limited.
•	The above is intended as a general summary of information only. Please refer to the actual policy for exact terms, conditions and exclusions of the plan.

Please call 2198 7838 or visit any of our branches.

	Claims Guide
	Claim Form

(1)	After the Policy takes effect, the Life Insured will be entitled to a Medical Account with cash benefit equivalent to the Sum Insured under the Policy to settle the respective medical expenses covered under the Policy provisions. As long as the Medical Account of the Policy has a positive balance, the Policy shall remain in force until the insurance age⁽⁵⁾ of 99. The Policy will be automatically terminated once the Medical Account balance reaches zero.
(2)	Post Surgery Income is only applicable to claims for complex and major surgeries designated under this Plan. It will be dispatched to the policyholder upon claim settlement of Surgical Cash Benefit for complex or major surgery.
(3)	In the event of the death of the Life Insured, a death benefit equals to Sum Insured minus Total Medical Claims Paid (if any) plus accumulated policy dividends ⁽⁴⁾ (if any) will be paid to the beneficiary.
(4)	Policy dividends and interest rate used for policy dividends accumulation are not guaranteed.
(5)	Insurance age is determined by the age of the nearest birthday of the Life Insured.

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Notes :
•	The above insurance plans are underwritten by Hang Seng Insurance Company Limited which is authorised and regulated by the Commissioner of Insurance of HKSAR. Hang Seng Bank Limited is an insurance agent authorised by Hang Seng Insurance Company Limited.
•	The above information is intended as a general summary of the information only. Please refer to the relevant policy for exact terms, conditions and exclusions of the Plan.