Everyone wants to be blessed with health. Yet, accidents and diseases do emerge out of the blue. SurgicalGuard II Refundable Life Insurance Plan provides you Surgical Cash Benefit to prepare for the unexpected, and brings you a guaranteed 103% refund of the Total Premium Paid at the end of the 15 years 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 Surgical Cash Benefit. In this way, you can enjoy protection while accumulating wealth at the same time.
A lump sum payment will be paid as the Surgical Cash Benefit to the Life Insured if he or she has to undergo a Surgical Procedure or Operation in a Hospital within the Benefit Area1 during a period of Hospital Confinement due to Injury, Disease or Illness. A Cumulative Maximum Amount of HKD240,000 is payable per policy.
The double Surgical Cash Benefit will be payable to the Life Insured if the sole purpose of the Surgical Procedure or Operation during a Hospital Confinement is the cure or relief of Cancer, Heart Attack or Stroke.
Only open for enrolment by selected customers, without any requirement for medical proof or medical checkup at all.
The Insured Person will enjoy the Surgical Cash Benefit for 15 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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