“TAIPING SMARTCARE” Critical Illness Insurance Scheme

 

COVERAGE & FEATURES

 

Comprehensive Critical Illness Protection

This policy provides 35 Major Illness Benefits protection. In the event

of the Insured Person is diagnosed to be suffering from a critical illness

within the period of insurance, the Company will subject to the terms

and conditions as stated in the policy and agree to pay the benefit

amount up to 100% of the Sum Insured to the Proposer.

 

Early Stage Cancer Benefits

If Insured Person is diagnosed to be suffering from an Early Stage

Cancer within the period of insurance, the Company will subject to

the terms and conditions as stated in the policy and agree to pay an

one-off lump sum benefit equivalent to 20% of the Sum Insured to the

Proposer. This policy will remain in force and the Major Illness benefit

will be reduced by the same amount paid to this benefit.

 

One-off Lump Sum

If the Insured Person is suffered from the critical illness under the

policy during the period of insurance, the Company will pay the

Proposer an one-off lump sum net of any Early Stage Cancer (if

applicable) benefit and the liability of the Company hereunder is

limited to and shall cease upon such settlement.

 

 

21-Day Insurance Cooling-off Period

The Proposer has right to cancel this policy and notify in writing to the

Company within 21 days after the policy effective date. If no claim has

been made by the Insured Person under the policy during this period,

all premium paid to the Company will be refunded.

 

 

Guaranteed Renewal* and Cover up to 80 Years Old

Wide range of Insured age from 6 months to 60 years old, and the

Company guarantee renewal up to 79 years old*.

 

Low Premium and Simplified Underwriting

Simple health declaration, no medical examination is required

 

Extended Protection

On top of providing sickness cover, the policy is further extended to

cover loss of limbs, deafness, blindness, paralysis or loss of language

ability that are caused by accident or injury.

 

ELIGIBILITY

 

• Period of Insurance: 1 year

• Age of Proposer: 18 or above

• Age of Insured Person: From 6 months to 60 years inclusive

(The child(ren) under the age of 18 can enroll individually but the

Proposer of this Policy must be his/her parent or legal guardian)

• Premium Payment Mode: Annual

• Minimum Sum Insured: HKD200,000 (Each $200,000 per unit)

• Maximum Sum Insured: HKD1,000,000 (Based on each Insured

Person)

 

COVERED CRITICAL ILLNESSES

 

 

1. Cancer
1.1			Early Stage Cancer#	1.2			Major Cancer
# Early Stage Cancer: In the event that the Insured Person is diagnosed with Early Stage Cancer, the Company shall pay a lump sum equivalent to 20% of the Sum Insured in advance.
2. Illnesses related to the heart
2.1	Coronary artery bypass surgery					2.2		Heart attack
2.3	Primary pulmonary arterial					2.4		Surgery to aorta
3. Illnesses related to the Nervous system
3.1			Apallic syndrome			3.2		Bacterial meningitis
3.3			Benign brain tumour			3.4		Coma
3.5			Creutzfeldt-Jacob Disease(CJD)			3.6		Encephalitis
3.7			Major head trauma			3.8		Motor neurone disease
3.9			Multiple sclerosis			3.10		Paralysis
3.11			Poliomyelitis			3.12		Progressive supranuclear palsy
3.13			Severe Myasthenia Gravis			3.14		Stroke
4. Illnesses related to major Organs
4.1		Aplastic anaemia			4.2		End stage liver failure
4.3		End stage lung disease			4.4		Fulminant viral hepatitis
4.5		Kidney failure			4.6		Major organ transplant
4.7		Systemic lupus erythematosus with lupus nephritis			4.8		Systemic scleroderma
5. Other major illnesses
5.1		Blindness			5.2		Deafness
5.3		Elephantiasis			5.4		Loss of limbs
5.5		Loss of speech			5.6		Human Immunodeficiency Virus(HIV) due to blood transfusion
5.7		Major burns			5.8		Occupationally acquired Human Immunodeficiency Virus (HIV)

 

PREMIUM RATE TABLE (HKD)

(Annual rate per HKD200,000 sum insured)

Age of the Insured Person	Male	Female
0 – 5	200	160
6 – 10	100	100
11 – 15	100	100
16 – 20	140	140
21 – 25	180	240
26 – 30	300	420
31 – 35	460	700
36 – 40	800	1,220
41 – 45	1,260	1,840
46 – 50	2,200	2,400
51 – 55	3,600	2,900
56 – 60	5,400	3,300
61 – 65**	7,700	4,400
66 – 70**	11,300	7,500
71 – 75**	16,400	10,900
76 – 79**	21,700	15,200
**Remarks: Premium rate for 61-79 are for renewal only

 

MAJOR EXCLUSIONS

(Please refer to the terms in the policy for details)

 

Illness, resulting directly or indirectly from or caused or contributed by (in whole or in

part) any of the following:

1. Any pre-existing condition unless such conditions have been fully disclosed during

the application and accepted by the Company in writing and the treatment relating

to such pre-existing condition is not expressly excluded by the policy; or

2. The Insured Person is Diagnosed with an Illness or the Insured Person has shown

signs or symptoms of any Illness, disease or physical condition which may be the

cause or triggering condition of an Illness within 90 days from the Policy Effective

Date as specified in the first Policy Schedule from which the coverage under this

insurance becomes effective continuously without intermission; or

3. Any drug or alcohol abuse; or

4. Engaging in aviation other than as a fare-paying passenger in an aircraft provided

and operated by an airline or air charter company which is duly licensed for the

regular transportation of fare-paying passengers;

5. Engaging in military, air force, naval and other disciplinary services; or

6. Participating or engaging in dangerous activities, including but not limited to bungee

jumping, glide-kite, glider, winter sports, parachuting, torrent rafting, diving with the

use of breathing apparatus, mountaineering, rock climbing, sports in a professional

capacity or where the Insured Person would or could earn income or remuneration

from engaging in such sport etc. ; or

7. War, hostilities (whether war is declared or not), rebellion, insurrection, riot, civil

commotion, terrorist act, nuclear contamination, biological contamination or chemical

contamination; or

8. Disease or infection with any Human Immunodeficiency Virus (HIV) and/or any HIVrelated

Illness, except the Human Immunodeficiency Virus due to blood transfusion,

Occupationally acquired Human Immunodeficiency Virus (HIV) as referred to in PART3-DEFINITION OF ILLNESSES of this policy; or

9. Congenital malformation or abnormal; or

10. Suicide, any deliberate self-induced behaviour, regardless of whether it is normal

sanity and whether intoxication; or

11. Sanction Limitation and Exclusion Clause

 

 

CLAIMS PROVISIONS

(Please refer to the terms in the policy for details)

1. All supporting documents relevant to the Illness covered by this Policy and the

entitlement to benefits must be furnished to the Company at the expense of the

claimant within thirty days from the date of which the Illness is Diagnosed.

2. Provided that the claimant could provide good reason to demonstrate that it is not

reasonably practicable to adduce the supporting documents within the time limit and

the claimant has provided “the Company” such supporting documents as soon as

practicable, the claim shall not be invalidated. However, in no circumstances shall

the supporting documents be adduced later than one hundred and eighty days upon

the demand of “the Company”.

 

Customer Service Hotline: (852) 3716 1616

* The information contained in this pamphlet is designed to serve as an introduction

only. For all relevant clauses and details, please refer to the insurance contract