Refundable Dread Disease Protector II is a new insurance product that helps safeguard your health and financial future. It provides comprehensive protection against 45 dread diseases and offers a full refund of total premiums# if you stay healthy by the end of the policy term. This feature effectively transforms your insurance into a savings tool, ensuring peace of mind and financial stability.

1. Product Features：

• Short-term payments for effortless protection - for paying premiums for just 5 years, you enjoy 10 years of dread disease coverage.

• Fixed premiums for easy budgeting - the plan is available to anyone from birth up to 50 years old, with the premiums remaining unchanged throughout the coverage period.

• Combining protection and savings as dual functions - the policy covers 45 conditions for adults and 48 conditions for children. If no claims are made during the coverage period, the insured will receive a refund of all premiums paid upon maturity. If any claims are made in the period, the insured will receive a refund of the premiums adjusted# for the claim amounts upon maturity.

#If any claims are made and paid during the coverage period, the refund amount will be the total premiums paid minus the cumulative claims paid.

2. Coverage

Note: The waiting period for this product is 90 days.

3.Premium Refund (including the surrender premium)

Dread Disease Benefit Overview

If the insured is diagnosed by a physician with one or more than one of the listed dread diseases while the policy is in force, and remains alive for 30 days after the diagnosis, we will first pay the benefit for the disease(s) based on the respective percentage(s) of the sum insured as listed in the dread disease benefit schedule.

Notes:

a) If the insured is diagnosed with two or more than two of the listed dread diseases simultaneously, the benefit payable will be the highest amount applicable among the claims.

b) If the dread disease payout is less than the total sum insured, the premiums shall still be paid in full and cannot be reduced.

c) Once 100% of the dread disease coverage amount has been paid, the policy will automatically lapse.

4.Underwriting Requirements

Entry age：0 - 50

Sum insured：300,000 / 500,000 / 700,000 / 1,000,000

5. Payment Currency

MOP/HKD

6. Exclusions

The Plan does not cover any claims caused directly, or indirectly, wholly or partly, by any of the following:

•  Any dread disease symptom that first occurs before the policy’s issue date, or within ninety (90) days, from the policy’s issue date, endorsement date, or reinstatement date, whichever is the latest;

•   Acquired Immunodeficiency Syndrome (AIDS), AIDS-related complex or Human Immunodeficiency Virus (HIV) infection, other than those acquired through blood transfusion or medical occupational exposure as defined in Section I;

•   Suicide or self-inflicted injuries on the part of the insured, whether sane or insane.;

•   Participation in declared or undeclared war or any act thereof, riot, or civil commotion;

•   Service in any armed force in the time of declared or undeclared war, or during any warlike operation or suppression of rebellion;

•   Violation or attempted violation of the law, resistance to arrest, or participation in any brawl or affray;

•   Engaging in or taking part in (a) driving or riding in any race; (b) any professional sport; (c) any underwater activity involving the use of breathing apparatus; (d) flying or any other aerial activity except as a fare-paying passenger in a commercial aircraft;

•   Intoxication by alcohol, narcotics, or drugs

Other terms, conditions and exclusions are as outlined in the policy.

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