Hong Kong Life’s Family Care Dread Disease Protection Plan safeguards your family by extending Cancer Benefit to your loved ones

1. The Policy will be terminated if the Policyowner cannot settle the premium payment before the end of the Grace Period during the Premium Payment Term, subject to the Automatic Premium Loan, Non-forfeiture Option and other relevant provisions of the Policy. For detailed terms and conditions, please refer to the policy document issued by Hong Kong Life. If the Policy is terminated before the Policy Maturity, the Total Surrender Value (if applicable) received by the Policyowner may be less than the Total Premiums Paid.
2. For the definition of covered Dread Disease, please refer to the policy document.
3. The aggregate amount of the ICU Benefit paid under the Plan and payable under other policies issued by Hong Kong Life in respect of the Life Insured's confinement in ICU within the meaning of the Qualified ICU Stay shall not exceed HKD400,000/ USD50,000 under any circumstances.
4. "Qualified ICU Stay" means a stay in an ICU of a Hospital where all of the following criteria must be met: (i) the stay in ICU of a Hospital must be a confinement in the ICU for a total of consecutive 3 days or more in one Hospital admission; (ii) the stay in ICU of a Hospital must be a confinement for Medically Necessary treatment or service as recommended and certified by a Registered Medical Practitioner; (iii) the Company will not consider the stay in ICU of a Hospital as Medically Necessary if the Life Insured can be safely and adequately treated in any other medical facility; and (iv) the stay in ICU of a Hospital must not be caused directly, or indirectly, wholly or partly, by any one of the following occurrences: (a) cosmetic treatment performed on the Life Insured unless necessitated by Injury caused by an Accident and the Life Insured sustains the Injury and the cosmetic treatment is approved by Hong Kong Life in advance within 90 days of the Accident; or (b) the Life Insured's pregnancy, surrogacy, childbirth or termination of pregnancy, birth control, infertility or human assisted reproduction, or sterilisation of either sexes; or (c) mental disorder, psychological or psychiatric conditions, behavioral problems or personality disorder of the Life Insured; or (d) stay in ICU of a Hospital primarily for physiotherapy or for the investigation of signs and/or symptoms with diagnostic imaging, laboratory investigation or other diagnostic procedures; or (e) experimental and/or unconventional medical technology /procedure /therapy performed on the Life Insured; or novel drugs/ medicines /stem cell therapy not yet approved by the government, relevant authorities and recognised medical association in the locality.
5. Family Cancer Benefit for each Policyowner's natural parents, spouse or natural children, except the Life Insured (Covered Family Members) is only available if such parents, spouse or children is accepted and approved by Hong Kong Life. The Family Cancer Benefit for each Covered Family Member will be effective 2 years after (i) the endorsement date of such Covered Family Member or (ii) date of any reinstatement, whichever is later. The aggregate amount of the Family Cancer Benefit paid under the Plan and the same benefits paid under other policies issued with Hong Kong Life in respect of each Covered Family Member shall not exceed HKD200,000/ USD25,000 (if the Covered Family Member is under the age of 66 on the date of endorsement) or HKD100,000/ USD12,500 (if the Covered Family Member is at or above the age of 66 on the date of endorsement). In addition, the payment of Family Cancer Benefit should be payable in the event of the Covered Family Member's survival of 14 days following the Diagnosis of a Cancer. For detailed terms and conditions, please refer to relevant form and the policy document issued by Hong Kong Life.
6. Health Checkup Service is provided by the third party service provider designated by Hong Kong Life. Such service is not part of the product features. The terms and conditions of the service will be issued together with the relevant service document. The availability of the service is not guaranteed. Hong Kong Life reserves the right to cancel or amend the said service at its sole discretion. In addition, Hong Kong Life will not be responsible for any services or opinions provided by the third party service provider. Hong Kong Life reserves the right of final decision in case of any dispute.
7. Second Medical Opinion from Overseas Expert Service is provided by third party service provider. Such service is not part of the product features. The availability of the service is not guaranteed. The details of the service will be provided along with the policy document or please refer to the company website of Hong Kong Life. Hong Kong Life reserves the right to cancel or amend the said service at its sole discretion. In addition, Hong Kong Life will not be responsible for any services or opinions provided by the third party service provider. Hong Kong Life reserves the right of final decision in case of any dispute.
8. Dread Disease Benefit includes Major Dread Disease Benefit, Early Stage Dread Disease Benefit, Severe Juvenile Disease Benefit and ICU Benefit.
9. Terminal Dividend is not guaranteed and may be changed from time to time. Past performance is not indicative of future performance. The actual amount payable may be higher or lower than those illustrated in the Insurance Proposal. Hong Kong Life reserves the right to change it from time to time.
10. Death Benefit Settlement Options are only applicable in the event of the death of the Life Insured after the Premium Payment Term and all premiums due have been paid, and subject to the terms and conditions, and the then administrative rules as determined by Hong Kong Life from time to time. For detailed terms and conditions, please refer to the policy document issued by Hong Kong Life.
11. Client incentive is subject to the terms and conditions of "Fortune Evergrow 2022" Client Promotion Incentive. For details about client promotion incentive, please refer to the follows:

About Hong Kong Life

Established in 2001, Hong Kong Life Insurance Limited ("Hong Kong Life") was founded by five local financial institutions including Asia Insurance Company Limited, Chong Hing Bank Limited, CMB Wing Lung Bank Limited, OCBC Wing Hang Bank Limited and Shanghai Commercial Bank Limited, which laid their foundations and have been serving people in Hong Kong for more than 50 years in average. Through our extensive network of around 150 distribution points comprising Chong Hing Bank, CMB Wing Lung Bank, OCBC Wing Hang and Shanghai Commercial Bank, we provide a comprehensive range of insurance services.

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