Everyone wants to be healthy. Yet, illnesses do emerge out of the blue. Refundable Critical Illness Life Insurance Plan offers you the Critical Illness Benefit but also provides you with refundable amount equivalent to 103% of the Total Premium Paid upon the expiry of the 20-year Policy Term if the policy remains in force.
If the policy remains in force, 103% refund of the total premiums paid is payable upon policy maturity, even if any claim has been made on the Carcinoma-in-situ Benefit.
Up to HKD350,000 will be payable as lump sum compensation if the Life Insured is diagnosed, by a registered doctor, with any cancer, heart attack or stroke covered by the Plan.
Equivalent to 10% of the Critical Illness Benefit, the Carcinoma-in-situ Benefit will be payable as an advance payment, if the Life Insured is diagnosed by a registered doctor with any carcinoma-in-situ covered by the Plan, after the policy has become effective for 90 days.
Only open for enrolment by selected customers, without any requirement for medical proof or medical checkup at all.
The Insured Person will enjoy protection against critical illness for 20 years upon payment of premiums for only 10 years.
Remark(s): Please refer to the Product Brochure for detailed terms and conditions and exclusions.
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