A childe shares all the benefits for free
No additional underwriting, premium or waiting period for the covered child under age of 18 (maximum Sum Insured amount of child benefit is HKD 1.5 million).
Carcinoma-in-situ / Early Stage Cancer Benefit
If the Life Insured is diagnosed with Carcinoma-in-situ or Early Stage Cancer (including such as penis. testis tumor, uterus tumor, ovary tumor), we will pay an advanced benefit equivalent to 20% of the Sum Insured. A maximum of two claims under different organs will be paid under the Plan.
Cancer Benefit plus Death Benefit
If the Life Insured is diagnosed with cancer, a lump-sum benefit equal to the total or remaining balance of the Sum Insured will be paid under the Cancer Benefit. Upon the unfortunate passing away of the Life Insured, the beneficiary(ies) will receive the total or remaining balance of the Sum Insured as a Death Benefit instead.
No Waiting Period or Survival Period
The coverage is in effect immediately after the policy is approved. Premium will only be adjusted every 10 years so you can plan your finances easily. Renewal of the plan is guaranteed to age 79, regardless of the Life Insured's health status.
Online application takes about 5 minutes only without the hassle of providing documentation or medical examinations.