YF PrimeHealth Pro (Signature) / YF PrimeHealth Pro Jr. Care

The two plans target different groups of applicants. YF PrimeHealth Pro (Signature) is suitable for children (after birth) or adults to apply. YF PrimeHealth Pro Jr. Care, on the other hand, is for soon-to-be-born baby. Pregnant moms can apply for coverage for babies from the 22^nd week of gestation onward. This plan provides the mother with protection during pregnancy and ensures the baby enjoys seamless health coverage upon birth.

If an expected mother waits until after the baby is born to apply for child critical illness insurance, any conditions discovered at birth (such as congenital heart problems) may be excluded from coverage. YF PrimeHealth Pro Jr. Care allows expectant mothers to apply from the 22^nd week of gestation onwards. This not only protects the mom during pregnancy but also ensures the baby is covered immediately upon birth. Even if an undetected congenital illness is discovered later, it will still be covered under the plan, providing comprehensive health protection for newborn.

Yes, it does. In the unfortunate event that the Insured is diagnosed with Cancer / Heart Attack / Stroke , the plan provides an additional monthly Cash Benefits for Critical Illnesses equal to 1% of the Basic Sum Insured. This benefit is paid on top of the lump-sum benefit of up to 100% of the Basic Sum Insured. With no waiting period, the Insured can use the cash at their total discretion to cover loss of income and household expenses during long-term recovery. The Cash Benefit for Continuous Cancer¹ is payable for up to 180 months, while the Cash Benefit for Heart Attack and Stroke Cash Benefit² is payable for up to 60 months.

¹ The Insured is required to provide medical reports every 6 months confirming the existence of Cancer and the Insured is in the process of receiving on-going Cancer Treatment or End-of-life Care. Cancer Treatment does not include any treatment solely for palliative care or as prophylactic purpose. It includes surgery, radiotherapy (including proton therapy, CyberKnife and Gamma Knife), chemotherapy, targeted therapy, bone marrow transplant, immunotherapy (including Chimeric Antigen Receptor (CAR) T-cell therapy) and any other treatments approved by the Company from time to time. The Cash Benefit for Continuous Cancer or “Optional Extra Cancer Cash Benefit” (if applicable) will each be paid up to 180% of the Basic Sum Insured, up to age 85 of the Insured or death of the Insured, whichever is earlier. Regardless of the number of occurrence / recurrence of Cancer, no more than 1% of the Basic Sum Insured under Cash Benefit for Continuous Cancer and 5% of the Basic Sum Insured under “Optional Extra Cancer Cash Benefit” (if applicable) will be payable for each month.

² The Insured will be paid up to a maximum of 12% of the Basic Sum Insured for each diagnosis of Heart Attack or Stroke and the Cash Benefit under Cash Benefit, Seamless Coverage Restoration Benefit or Multiple Critical Illness Benefit. The Cash Benefit for Heart Attack and Stroke will be paid up to 60% of the Basic Sum Insured, up to age 85 of the Insured or death of the Insured, whichever is earlier. Regardless of the number of occurrence / recurrence of Heart Attack or Stroke, no more than 1% of the Basic Sum Insured under Cash Benefit for Heart Attack and Stroke will be payable for each month.

The plan covers 33 Severe Child Diseases, including, but not limited to: Attention-Deficit Hyperactivity Disorder (ADHD), Severe Hand, Foot and Mouth Disease, Severe Food Poisoning, Insect Bite Causing Poisoning, Severe Anaphylaxis Reaction, Severe Vaccination Reaction. Coverage of Severe Child Diseases is available until the Insured reaches age 25, with a payout of up to 30% of the Basic Sum Insured ^3,4.

³ The maximum amount of the sum of benefits payable for Major Critical Illnesses (excluding Cancer, Heart Attack, Stroke, Degenerative Brain Disorders and Parkinson’s Disease), Early Stage Diseases, Carcinoma-in-situ / Early Stage Cancers and Severe Child Diseases is equal to the sum of 100% of the Basic Sum Insured and non-guaranteed Terminal Bonus net of policy debt (if any), or Cash Value, whichever is higher.

⁴ If more than one Critical Illness diagnosed on the same day arise from the same illness or injury, the claim will be paid once only for the Critical Illness with the highest benefit amount.

Yes. Both YF PrimeHealth Pro (Signature) and YF PrimeHealth Pro Jr. Care include the Chinese Medicine Benefit for Cancer Treatment to help alleviate side effects and mitigate the possibility of recurrence or metastasis of the malignant tumors. If Critical Illness Benefit, Seamless Coverage Restoration Benefit or Multiple Critical Illness Benefit is paid or becomes payable for Cancer, the Insured can be reimbursed the actual expenses for Chinese medicines, acupuncture and Tu Na⁵ within 3 years after the diagnosis date of such Cancer.

⁵ If the Insured is diagnosed to be suffering from Cancer and Critical Illness Benefit, Seamless Coverage Restoration Benefit or Multiple Critical Illness Benefit has been paid or is payable for such Cancer, we shall reimburse the actual expenses for Chinese medicines prescribed by, or acupuncture and Tui Na performed by, a Registered Chinese Medicine Practitioner within 3 years after the diagnosis date of such Cancer, up to US$50 / HK$400 / MOP400 per visit and up to 1 visit per day. The aggregate Chinese Medicine Benefit for Cancer Treatment payment paid and / or payable under all policies and supplementary benefits issued by the Company at any time will be limited to US$1,000 / HK$8,000 / MOP8,000 under the same Insured.

The plan features a first in market⁶ Rare Diseases Extra Benefit, providing additional protection for 11 types of rare diseases. If the total amount already paid by the plan is less than 100% of the Basic Sum Insured⁷, and the Insured is unfortunately diagnosed with a designated rare disease—such as Amyotrophic Lateral Sclerosis (ALS), the plan provides an extra benefit equivalent to 10% of the Basic Sum Insured⁸ on top of the Major Critical Illness Benefit.

⁶ Based on similar types of plans offered by major insurance companies in the Hong Kong and Macau market, as of June 1, 2024.

⁷ For YF PrimeHealth Pro Jr. Care, if the Insured baby is diagnosed with a Critical Illness within 90 days of its birth or the Effective Date of Coverage, whichever is later, and a Critical Illness Benefit is paid or is payable, the benefit amount for such paid benefit will be deemed as 100% of the full benefit amount.

⁸ Each Insured can claim once.