Refundable Hospital Income Protection Plan (II)

Refundable Hospital Income Protection Plan (II) is designed to better cater to your needs, featuring increased coverage amounts and a guaranteed refund of premiums in addition to a Daily Hospital Income Benefit. Whether you have made a claim or not, you can expect to receive your payments in full while enjoying comprehensive protection for your health and wealth.

Plan Features

• You will receive a Daily Hospital Income Benefit for hospitalisation due to an accident or illness, based on the length of stay (number of days).

• You are entitled to a full refund of all premiums paid upon the policy’s maturity, even if you have made claims within the coverage period. This effectively turns your premiums into savings while you enjoy the medical coverage during the policy term.

• For any hospitalisation in an Intensive Care Unit (ICU), the Daily Hospital Income Benefit will be doubled for each day in the ICU, up to a maximum of 90 days.

• You can easily apply for coverage without taking any medical exams.

• The Plan is available to anyone from birth up to 60 years old, with the premiums remaining unchanged throughout the coverage period, alleviating any concerns regarding potential premium adjustments.

Refundable Hospital Income Protection Plan – Special Class

Refundable Hospital Income Protection Plan – Special Class allows you to enjoy comprehensive hospital income protection with affordable premiums, giving you better control over your present and future.

Coverage

Daily Hospital Income Benefit	· MOP/HKD 400; MOP/HKD600; MOP/HKD800 · A maximum of 1,000 days per injury or illness · The benefit is doubled for confinement in the ICU, up to a maximum of 90 days
Coverage period	· 10 years
Death Benefit	· 100% of the premiums paid, plus a compassion benefit of MOP/HKD1,000
Premium refund	· 100% of the premiums paid upon maturity · In case of policy surrender before maturity, the refund amount will depend on the policy year of the surrender: 90% in the 9^th year / 80% in the 8^th year/ 70% in the 7^th year/60% in the 6^th year/ 50% in the 5^th year

Premium Schedule (MOP/HKD)）

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Notes:

1. One day of hospitalisation for the insured is defined as a continuous 24-hour period as an inpatient. The Daily Hospital Income Benefit is limited to 1,000 days per injury or illness.

2. Daily Hospital Income Benefit is limited to 50% of the total for hospitalisation in regions other than Hong Kong, Macao, Singapore, Malaysia, Thailand, Japan, Korea, Taiwan, North America, Europe, Australia and New Zealand.

3. Major Exclusions:

Any pre-existing disease;

Any routine physical examination, rest cure, or non-medically necessary treatment;

Dental care, vision therapy, cosmetic surgery, or plastic surgery;

Childbirth, pregnancy, or miscarriage;

War, riot, or any dangerous sport and activity;

AIDS, insanity, any congenital deformity or defect;

Suicide or addiction to drugs or alcohol.

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

The Plan is available to anyone from birth up to 60 years old.

The information above is for reference only. For specific terms and conditions, please refer to the policy.

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