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Provide comprehensive protection along your journey to wellness
Successfully apply to enjoy up to 20% first-year premium discount.
PreciousLife Critical Illness Life Insurance Plan is a life insurance plan ("the Plan") and is not a bank deposit. It is underwritten by Hang Seng Insurance Company Limited ("Hang Seng Insurance").
Protecting your beloved family must be something always on your mind. The Plan protects you against up to 128 critical illnesses at different stages, for you and your family to enjoy comprehensive critical illness and life protection.
The Plan protects you against 128 illnesses (including 60 Critical Illnesses, 56 Early Stage Critical Illnesses and 12 Severe Child Illnesses), covering all three major severe diseases, i.e. cancer, heart attack and stroke, as well as common elderly diseases such as Parkinson’s disease and Alzheimer’s disease.
The Plan has also built in life protection. In the unfortunate event of the death of the Life Insured when the policy is in force, the beneficiary(ies) will be paid a Death Benefit. Such financial assistance can help alleviate the immediate influence on the family’s livelihood.
| Payment Term |
Protection Period |
Life Insured’s Insurance Age at the time of enrolment |
|---|---|---|
| 5 years |
Up to the Insurance Age of 99 |
90 days to age 65 |
| 10 years |
90 days to age 60 |
|
| 15 years |
90 days to age 55 |
|
| 20 years |
90 days to age 50 |
The annual projected policy dividends, when distributed, can be, at the choice of the Life Insured, either withdrawn in cash or retained in the policy to accumulate with interest. Moreover, the Cash Value at maturity will be payable at the end of the policy term. Hence, in addition to offering medical protection against severe illnesses, the Plan can also serve as a long-term family fund.
The application process for the Plan is simple. Provided that the Life Insured and/or the Policyholder fulfils the application requirements of the Plan, such as Insurance Age and maximum Sum Insured per Life Insured etc, no medical examination of the Life Insured will be required.
Optional Supplemental Benefits, including: Waiver of Premium on Disability Benefit and
Payor’s Benefit
Remark(s): Please refer to the Product Brochure for detailed terms and conditions and exclusions. And please refer to the Notes on Participating Policy for details of dividend philosophy, investment strategy and historical fulfilment ratio of dividend distribution
You can find all the forms and documents here for our insurance products.