CritiCare Continuation Cancer Insurance Plan

Product Features

Coverage of 149 Critical Illnesses

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• The Plan provides protection for 68 Major Critical Illnesses¹, 50 Early Stage Diseases¹ and 31 Carcinoma-in-situ / Early Stage Cancers²
• Even if the Insured makes a claim for Early Stage Diseases¹ or Carcinoma-in-situ / Early Stage Cancers², the premiums to be paid will remain unchanged³

Notes:

^1. The Insured may file a claim for any Major Critical Illness (other than Cancer) or Early Stage Disease that occurs after 60 days from the Effective Date of Coverage or the approval date of reinstatement, whichever is later; while for the coverage of Cancer, a 1-year waiting period is applied. Please refer to the product brochure for Critical Illness Benefit payable on Cancer.
^2. For the coverage on Carcinoma-in-situ / Early Stage Cancers, there is a 1-year waiting period (from the Effective Date of Coverage or the approval date of reinstatement, whichever is later). Please refer to the product brochure for Critical Illness Benefit payable.
^3. Once insured, the premiums will not increase as the age of the Insured increases or the Insured has filed a claim. However, the Company reserves the right to change the renewal premium on each renewal for all Insureds of the same risk class by giving 30 days’ notice in writing prior to the policy anniversary.

Peace of Mind Protection

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• Cancer Income Benefit⁴：If the Insured is unfortunately diagnosed with Cancer and Critical Illness Benefit has been paid or is payable for such Cancer, a Cancer Income Benefit of up to 5% of Basic Sum Insured will become payable on annual basis for up to 10 years upon 1 year after the diagnosis date of such Cancer
• Experimental Drugs Benefit⁵：If the Critical Illness Benefit is paid or becomes payable for Cancer, and the prescribed Experimental Drug is deemed Medically Necessary for the treatment of such Cancer for the Insured, the Reasonable and Customary charges of the prescribed Experimental Drug within 3 years after the diagnosis date of such Cancer can be reimbursed
• Mental Incapacity Advance Instruction Option⁶：The Policy Owner can make an advance instruction to nominate their loved ones to own the policy in the unfortunate event of mental incapacitation due to Designated Illnesses. Meanwhile, the Insured and the Policy Owner can also make advance instruction together so that a designated person will receive the benefit payout after the Insured is mentally incapacitated

Notes:

^4. Our office issuing the Policy must receive reasonable and necessary proof that the Insured survives in a written form satisfactory to us before the relevant Cancer Income Benefit becomes payable every year. We reserve the right to require you to provide any additional proof and documents in support of the claim. The Cancer Income Benefit will automatically cease on the earlier of (i) the death of the Insured, and (ii) total number of annual payments under Cancer Income Benefit paid or payable has reached 10 years of payments. If the Insured is diagnosed with a Cancer within 1 year following the Effective Date of Coverage or the approval date of reinstatement, whichever is later, no Cancer Income Benefit shall be payable. If the Insured is diagnosed with a Cancer during the 2nd or 3rd policy year, any Cancer Income Benefit shall be reduced to 2.5% of the Basic Sum Insured every year, which shall satisfy the Company’s liability for the payment of the Cancer Income Benefit. Please refer to the product brochure for Cancer Income Benefit payable.
^5.The consultation fee including any diagnostic tests and treatments are not covered under Experimental Drugs Benefit. This benefit will only reimburse the actual expenses to the extent such expenses are not paid or payable under any government law or any other insurance policies or by any other institutions. If the Insured is diagnosed with a Cancer within 1 year following the Effective Date of Coverage or the approval date of reinstatement, whichever is later, no Experimental Drugs Benefit shall be payable. Please refer to the product brochure for Experimental Drugs Benefit payable.
^6. Mentally incapacitated person means a person who is incapable, by reason of mental incapacity, of managing and administering his/her property and affairs. The diagnosis of mental incapacity must be given by 2 registered medical practitioners who are psychiatrists or neurologists. The Company will process the instruction when the proof of diagnosis as a permanently mentally incapacitated person, Apallic Syndrome, Brain Damage / Loss of Independent Existence, Coma or Severe Dementia of the Policy Owner is received. The designated person will receive any payment of Critical Illness Benefit and / or Cancer Income Benefit and / or Experimental Drugs Benefit under the Policy.

Financial Support Coverage

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• Cash Value: Effective from the 3rd policy anniversary onwards and while the Policy is in force, you will be offered the Guaranteed Cash Value and a non-guaranteed Terminal Bonus upon policy surrender, without deduction of any claims paid⁷
• Death Benefit: In the unfortunate event of the death of the Insured, the Death Benefit will be paid to the Beneficiary

Notes:

^7. Net of Policy Debt (if any).

Simplified Underwriting Procedure

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• The Plan adopts a simplified underwriting procedure and is suitable for non-smokers or individuals who have not smoked over the past 12 months
• You are only asked to answer a few health underwriting questions to complete the application without medical examination required