metlife health selection optional rider critical care benefit · reimburse diagnosis, treatment and...

**Important Notice: Please be advised that following approval by the Hong Kong

Insurance Authority, the FWD Group (“FWD”) has acquired MetLife Limited and

Metropolitan Life Insurance Company of Hong Kong Limited (together, the

“Companies”). MetLife is therefore no longer affiliated with the Companies and no

longer responsible for matters related to the activities and insurance policies of the

Companies. FWD will provide more information on the Companies’ new names

and brand at a later date.

**重要通知：請注意，經香港保險業監管局批准，富衛集團（“富衛”）已收購大

都會人壽保險有限公司及美商大都會人壽保險香港有限公司（統稱“該等公司”）。

大都會人壽因此不再與該等公司有關聯關係，亦不再負責該等公司之活動及保單有

關的事宜。富衛將在稍後提供有關該等公司新名稱及新品牌的更多資訊。

Optional Rider

Critical illnesses can catch anyone unawares. Even the younger generation can be unprepared, and critical illnesses often strike more than once. We understand that when you have many aspirations on your radar, you will probably look for affordable coverage against the most common critical illnesses. That’s why we developed the MetLife Health Selection Critical Care Benefit (the “Optional Rider”) which is attachable to your basic plan1. The Optional Rider is an affordable solution that provides comprehensive reimbursement for all eligible medical expenses for covered diseases.

MetLife Health Selection Critical Care Benefit

Reimburse diagnosis, treatment and other eligible expenses for covered diseases at an affordable cost.

Cover up to 4 diseases: cancer (including carcinoma-in-situ), heart attack, stroke and kidney failure

Cover expenses for complete surgical excision of covered benign tumor2

Reimburse fees for specifically approved medication2 for cancer treatment

Replenish the covered disease limit for persisting cancer every 3 years3

Waive premiums for 2 years4 upon diagnosis with a covered disease (including carcinoma-in-situ)

Highlights

Comprehensive Coverage

Medical costs are on the rise. To ensure you have easy access to all necessary medical treatments, MetLife Health Selection Critical Care Benefit offers extensive protection across multiple areas, backing you up all the way from diagnosis, treatment to recovery:

Diagnosis Consultation and diagnostic tests such as MRI and CT scan

Treatment Fees for active treatment (including surgery, radiotherapy, chemotherapy, targeted therapy, hormonal therapy, immunotherapy and more) and palliative treatment, confinement, pre-/post-treatment outpatient consultations and specifically approved medication2

Reconstructive SurgeryExpenses for reconstructive surgery above the neck or on the breast5 if a cancer is sustained

2-Year Premium Waiver Premiums waived for 2 years4 if the insured person is diagnosed with a covered disease (including carcinoma-in-situ)

Extended CareExpenses for complete surgical excision of covered benign tumor2 and alternative treatment (such as acupuncture, physiotherapy5, and more)

Recovery Progress Monitoring Post-treatment consultation and diagnostic tests for recovery progress monitoring for an unlimited time period for heart attack, stroke and kidney failure, or up to 5 years for cancer

Comprehensive coverage

Supporting You along the Recovery Pathway

Standing by You throughout Diagnosis and Treatment

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Various Options for Continued ProtectionThe Optional Rider offers you 6 plan level options to suit your individual needs. You may choose from:● Cancer Focused Plan: Cancer (including carcinoma-in-situ) is covered.● Critical Illness Inclusive Plan: Cancer (including carcinoma-in-situ), heart attack,

stroke and kidney failure are covered.

Depending on which plan level you select, you will be reimbursed for eligible medical expenses up to US$250,000 for each occurrence of a covered disease, and claims for multiple covered diseases3 are allowed, subject to a lifetime limit6 of up to US$1.5million. For a persisting cancer, this covered disease will replenish to the original level every 3 years3 to back you up against persistence of the same cancer.

Maximum Benefit Limit (USD)

Plan LevelCancer Focused Critical Illness Inclusive

Premier Deluxe Standard Premier Deluxe Standard

Covered Disease

Cancer (including carcinoma-in-situ)Cancer (including carcinoma-in-situ),

Heart Attack, Stroke and Kidney Failure

Lifetime Limit $750,000 $375,000 $187,500 $1,500,000 $750,000 $375,000

Covered Disease Limit

$250,000 $125,000 $62,500 $250,000 $125,000 $62,500

Room Type for Confinement

Standard Semi-Private

Room


RoomWard


Room


RoomWard

Affordable SolutionTo bring you critical care in your time of need at a cost compatible with your lifestyle, the Optional Rider gives you access to critical illness protection with an affordable premium, which can be paid on a monthly or annual basis.

For example, for a non-smoking 25-year-old male who is in good health, the Optional Rider costs as little as around US$0.3 a day7 for a covered disease limit of US$250,000 and a lifetime limit of US$1.5 million under the Critical Illness Inclusive Plan - Premier.

Extended DefenseYou can renew your Optional Rider every year to extend your protection to whole life, regardless of the state of your health at or before reaching the last renewal age of 99. The premium will be adjusted at the renewal date of the Optional Rider to reflect your age at the time.

2

Case Studies

Case 1(All figures below are hypothetical and for illustrative purposes only)

Mr. Ho (Aged 40, Senior Customer Service Manager)

Knowing that medical costs and especially the cancer treatment costs are on the rise, Mr. Ho is worried that his current cancer coverage is not adequate. Therefore, he decided to apply for a policy under MetLife Health Selection Critical Care Benefit to fill in the health protection gap.

Insured Person: Mr. Ho, aged 40, non-smoking Plan Level: Cancer Focused Plan – PremierCovered Disease: Cancer (including carcinoma-in-situ)

Lifetime Limit: US$750,000Covered Disease Limit: US$250,000 Annual Premium: US$177 (i)

(i) The required premium amount is based an example of a 40-year-old non-smoking male insured person who is in good health, and the assumptions that Cancer Focused Plan – Premier is applied and an annual premium payment mode is selected. Premium payable is calculated according to the insured person’s attained age, sex, smoking habit and the applicable premium rate at the time of application or renewal. The figure is may differ slightly from other illustration documents due to rounding differences.

The above information is for general reference and illustrative purposes only, and was gathered from external sources: Hong Kong Cancer Fund, Hospital Authority, charges of Hong Kong Adventist Hospital and St. Paul’s Hospital and news reports.

Age of 40 45 46 47 49Mr. Ho

Premiumpayment

2-Year Premium WaiverAfter the diagnosis of prostate carcinoma,

Mr. Ho did not need to pay the premium for the Optional Rider for 2 years4,

while protection continued.

Premium payment resumed according to the premium rate applicable for Mr. Ho’s attained age.

No waiting period applied for new

cancer

Waiting period: Just 3 years

Covered Disease Limit: US$250,000

The diagnosis, treatment and other eligible expenses were fully covered by the Optional Rider.


The diagnosis, treatment and other eligible expenses amounted to approximately US$86,600, and were fully covered by the Optional Rider:- Colonoscopy (around US$4,500)- Colectomy, chemotherapy,

medicine and hospital expenses (around US$77,000)

- Pre-/post-treatment outpatient consultation (around US$5,100)


Mr. Ho continued to have the chemotherapy, and tried targeted therapy and immunotherapy. Medicine, treatment and hospital costs amounted to around US$192,000, and these expenses were covered by the Optional Rider.He was also reimbursed for his eligible expenses for:- Traditional Chinese medicines

treatment- Physiotherapy5 - Dietician consultation5 - Psychological counselling for himself and his wife

Age 45Diagnosed with

prostate carcinoma

One Year Later (Age 46)Diagnosed with

colorectal cancer

Three Years Later (At age 49)Colorectal cancer persisted

3

Case 2(All figures below are hypothetical and for illustrative purposes only)

Ms. Wong (Aged 32, Freelance Designer)

Realizing that there is an increasing risk of critical illness striking early, Ms. Wong would like to have comprehensive coverage against the most common critical illnesses at a cost compatible with her lifestyle. Therefore, she decided to apply for MetLife Health Selection Critical Care Benefit as follows.

Age of 32 45 47 49Ms. Wong

Premium payment

(ii) The required premium amount is based an example of a 32-year-old non-smoking female insured person who is in good health, and the assumptions that Critical Illness Inclusive Plan – Premier is applied and an annual premium payment mode is selected. Premium payable is calculated according to the insured person’s attained age, sex, smoking habit and the applicable premium rate at the time of application or renewal. The figure is may differ slightly from other illustration documents due to rounding differences.

2-Year Premium WaiverAfter Ms. Wong’s diagnosis of

kidney failure, the premium was waived for the Optional Rider for 2 years4, while protection

continued.

No waiting period applied

Summary of the Optional Rider

Basic Information

Issue Age 0 – 70 years old (Age last birthday)

Policy Currency US Dollar

Term of Optional Rider Guaranteed yearly renewable up to age 100 of the insured person

Premium Payment Term Up to age 100 of the insured person

Premium Structure Yearly renewable and non-guaranteed

Premium payment resumed according to the premium rate applicable for Ms. Wong’s attained age.

Insured Person: Ms. Wong, aged 32, non-smoking Plan Level: Critical Illness Inclusive Plan - PremierCovered Disease: Cancer (including carcinoma-in-situ), Stroke, Heart Attack and Kidney Failure

Lifetime Limit: US$1.5 millionCovered Disease Limit: US$250,000 Annual Premium: US$224 (ii)

The Optional Rider covered expenses for complete

surgical excision of the benign tumor2 up to US$15,000.


The Optional Rider offered a covered disease limit of US$250,000 to cover her expenses for diagnostic tests, treatments (including prolonged dialysis treatment) and post-treatment consultation, etc.

Diagnosed with non-cancerous benign tumor of breast Diagnosed with kidney failure

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Benefit Schedule




Covered Disease Cancer (including carcinoma-in-situ)Cancer (including carcinoma-in-situ),

Heart Attack, Stroke and Kidney Failure

Lifetime Limit6

(Applies to items (A), (B), (C) and (D)) $750,000 $375,000 $187,500 $1,500,000 $750,000 $375,000

Covered Disease Limit (Applies to items (A), (B), (C) and (D)) $250,000 $125,000 $62,500 $250,000 $125,000 $62,500

Room Type for ConfinementStandard

Semi-Private Room


RoomWard


Room


RoomWard

A Diagnostic Benefit

(i) Diagnostic Benefit- Covers consultation and

prescribed diagnostic test(s) to directly investigate and confirm the positive diagnosis of a covered disease (during confinement or on a day case basis)

Full Cover Full Cover

B Treatment Benefit

(i) Active and Palliative Treatment Benefit- Covers active treatment

and palliative treatment for a covered disease, including medication prescribed (during confinement or on a day case basis)


(ii) Specifically Approved Medication Benefit2 - Covers medication for

treating cancer which is not registered in Hong Kong provided that special approval from the Department of Health is obtained

$500,000(Per life)

$250,000(Per life)

$125,000(Per life)

$500,000(Per life)

$250,000(Per life)

$125,000(Per life)

(iii) Confinement Benefit- Hospital Room and Board- Physician Fee

/ Specialist Fee- Intensive Care - Surgical Expense - Miscellaneous

Hospitalization Expense- Companion Bed


(iv) Pre/post-treatment Out-patient Benefit - Covers out-patient

consultation and/or prescribed medication before or after active treatment or palliative treatment for a covered disease

Full Cover(maximum 1 consultation per day)

Full Cover(maximum 1 consultation per day)

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C Reconstructive Surgery Benefit

(i) Reconstructive Surgery Benefit5

- Covers reconstructive surgery above the neck or on the breast (which become defective or damaged due to cancer)


D Monitoring Benefit

(i) Monitoring Benefit- Covers consultation and

prescribed diagnostic test(s) to monitor the response to treatment and progress of recovery after completion of active treatment (during confinement or on a day case basis)

Full Cover(For cancer, up to 5 years from the date of

completion of active treatment)

Full Cover(For cancer, up to 5 years from the

date of completion of active treatment; no time limitation for heart attack, stroke

and kidney failure)

E Extended Caring Benefit

(i) Benign Tumor Excision Benefit2

- Covers complete surgical excision of a solid tumor to rule out cancer and is confirmed by histopathological examination as a benign tumor of breast, ovary, uterus (in which only endometrial polyps are covered), adrenal gland, bone, kidney, liver, lung, nerve in cranium or spine, pancreas, pituitary gland or testis (during confinement or on a day case basis)

$15,000(Per life)

$10,000(Per life)

$6,250(Per life)

$15,000(Per life)

$10,000(Per life)

$6,250(Per life)

(ii) Waiver of Premium Benefit4 (upon the diagnosis of the first Covered Disease)

Waive 2 Years’ Premium of the Optional Rider

(once per term of the Optional Rider)

Waive 2 Years’ Premium of the Optional Rider

(once per term of the Optional Rider)

(iii) Alternative Treatment Benefit - Traditional Chinese

Medicines Treatment- Acupuncture- Physiotherapy5

- Occupational Therapy5

- Speech Therapy5

- Dietician Consultation5

- Chiropractic Treatment5

- Psychological Counselling (also covers one immediate family member)

- Home Nursing5

$125 per visit

(max. 1 visit per day and

max. 80 visits per covered

disease)

$100per visit



disease)

$87.5per visit



disease)

$125per visit



disease)

$100per visit



disease)

$87.5per visit



disease)

(iv) Medical Devices Benefit5

- Covers the expenses for purchasing and renting medical devices

$2,500(Per covered

disease)

$1,250(Per covered

disease)

$625(Per covered

disease)

$2,500(Per covered

disease)

$1,250(Per covered

disease)

$625(Per covered

disease)

Value-added Service

(i) Second Medical Opinion Service8

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Remarks

1. For basic plans available for attaching the Optional Rider, please contact MetLife Limited or your financial consultant for details. Please refer to the Policy Provisions of the Optional Rider for the details of termination events.

2. Written recommendation from a registered specialist is required.

3. In the following events, subject to the waiting period listed below, the latest covered disease in the same category as a preceding covered disease shall be subject to a separate covered disease limit and a separate limit on the maximum number of visits and/or the maximum benefit amount per visit or per covered disease, otherwise, the latest covered disease will be considered as the same disease as the preceding covered disease of the same category for the purpose of calculating the benefits payable under this Optional Rider:

Relevant Preceding Claim Subsequent Claim

Waiting Period

Cancer Focused Plan Critical Illness Inclusive Plan

CancerNew cancer

(which is caused by different cancer cells as the preceding cancer)

Nil Nil

Cancer Recurrence or metastasis of the preceding cancer 3 years 3 years

Heart attack New heart attack Not applicable 1 year

Stroke New stroke Not applicable 1 year

Any covered disease

Covered disease in a different category of the preceding claim Not applicable Nil

There shall be no separate covered disease limit and limits on the maximum number of visits and/or the maximum benefit amount per visit or per covered disease in respect of kidney failure, regardless of the number of occurrences of kidney failure.

In the event that the same cancer persists for 3 or more consecutive years since the date of first confirmed diagnosis, the covered disease limit and the limits on the maximum number of visits and/or the maximum benefit amount per visit or per covered disease of such cancer will be restored to the original levels every 3 years.

4. Upon the confirmed diagnosis of the first covered disease, the premiums payable under this Optional Rider will be waived for 2 years. The first premium to be waived shall be the one falling due immediately after the date of first confirmed diagnosis of the first covered disease, except any premium falling due shall continue to be payable until the approval of the claim. Following such approval, any premiums which are supposed to be waived but paid after the date of first confirmed diagnosis under this Optional Rider shall be refunded. The waiver will cease after 2 years, and premium payments shall resume based on the premium rates applicable for the insured person’s attained age. This premium waiver will only be activated once per Optional Rider.

5. Written recommendation from a registered attending Physician is required.

6. Lifetime limit refers to the maximum aggregate amount of benefits payable (except Extended Caring Benefit and Life Benefit, if applicable) for the covered diseases of this Optional Rider under all insurance policies (including this Optional Rider) covering the insured person that are subject to the respective lifetime limit and issued by MetLife Limited from time to time, whether or not those insurance policies are matured and/or terminated and/or remain in force.

7. The required premium amount is based on an example of a 25-year-old non-smoking male insured person who is in good health, and the assumptions that Critical Illness Inclusive Plan – Premier is applied and an annual premium payment mode is selected. Premium payable is calculated according to the insured person’s attained age, sex, smoking habit and the applicable premium rate at the time of application or renewal. The figure is for reference only and may differ slightly from other illustration documents due to rounding differences.

8. The Second Medical Opinion Service is only provided for the first claim of Covered Disease (excluding carcinoma-in-situ and early stage cancer). It is currently provided by Inter Partner Assistance Hong Kong Ltd. (“IPA”). MetLife shall not be liable for any matters in respect of any services provided therein including but not limited to the quality and/or appropriateness and/or suitability of the medical advice, medical prescriptions, supplies, procedures, treatments, facilities and services as suggested, recommended or offered by IPA. MetLife Limited reserves the right to change the service provider and its scope of service and/or withdraw the service by giving no less than 1 month’s prior written notice to policyowners.

7

Key Product Risks

Key Exclusions

The Optional Rider will not cover conditions that result from any of the following events: ● any pre-existing condition ● any congenital anomaly or inherited disorder or developmental disorder which has manifested or was diagnosed before the

insured person attains age 16 ● any diagnostic test, confinement, surgery, medical treatment, medication, services and/or supplies which are not Medically

Necessary; or any charges which exceed the Reasonable and Customary charges ● any diagnostic test, confinement, surgery, medical treatment, medication, services and/or supplies for which compensation or

reimbursement is payable under any law, medical program, or insurance policy provided by any governments, companies or other insurance providers

Please refer to the Policy Provisions of the Optional Rider for the complete list and details of exclusions.

Product Limitations

1. Your Optional Rider will terminate when the aggregate benefits paid (except Extended Caring Benefit and Life Benefit) for the covered diseases of this Optional Rider under all insurance policies (including this Optional Rider), whether in force or not, covering the insured person that are subject to respective lifetime limits and issued by the MetLife Limited have reached the lifetime limit which corresponds to your chosen plan level.

2. Cover will take effect from the following dates:

Items Coverage Effective Date (after the effective date or the latest reinstatement date of the Optional Rider, whichever is later)

Sickness 90 days

3. MetLife Limited shall reimburse Reasonable and Customary charges for the actual expenses incurred for Medically Necessary diagnostic test, confinement, surgery, medical treatment, medication, services and/or supplies up to the relevant maximum benefit limits as shown in the Benefit Schedule.

Reasonable and Customary means the level of charges for diagnostic test, confinement, surgery, medical treatment, medication, services and/or supplies received by the insured person that are Medically Necessary, which does not exceed the usual level of charges for such diagnostic test, confinement, surgery, medical treatment, medication, services and/or supplies in the locality where the charges are incurred. Please refer to the Policy Provisions for the definition of Medically Necessary.

4. If the insured person is confined in a room of a class above the room type which corresponds to the chosen plan level on any days of a confinement, the below adjustment factor shall be multiplied to any amount that can be claimed for such confinement:

Room type of the ConfinementRoom type corresponding to chosen plan level

Ward Standard Semi-Private Room

Ward Not applicable Not applicable

Standard Semi-Private Room 60% Not applicable

Standard Private Room 40% 60%

Any room with amenities upgraded beyond a Standard Private Room 20% 40%

Premium Adjustment and Benefit Revision

Premium shall be determined by reference to the last birthday, sex and smoking habit of the insured person upon renewal on each policy anniversary date. The premium rate is non-guaranteed. MetLife Limited reserves the right to adjust the rate of premium from time to time by giving not less than 1 month’s prior written notice to the policyowner.

MetLife Limited has the absolute discretion and right to revise the benefit structure, benefits, restrictions, definitions, terms and conditions and premium rates under the Optional Rider and change or amend or withdraw any supplementary services provided by any third party service providers, if attached hereto, upon each renewal by giving not less than 1 month’s prior written notice to the policyowner. Any revision and adjustment will apply to the Optional Rider automatically on renewal.

Any revision and adjustment to the premium and/or benefit will reflect the past experience and long-term assumptions of a number of factors in respect of the relevant policies including but not limited to (a) medical cost inflation; (b) expected changes in medical trends and practices; (c) operating expenses; (d) policy persistency; (e) cost of claim; and (f) performance of the investment of the assets.

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Non-payment of Premium

You should pay premium(s) on time and according to the selected premium payment schedule while the Optional Rider is in force. If you do not pay the premium within 60 days of the premium due date, the Optional Rider will be terminated and the insured person will lose the coverage.

Renewal

Renewal of your Optional Rider is guaranteed without further production of health evidence required on each policy anniversary date before the insured person's age exceeds age 99 if the Optional Rider continues to be available for renewal and all premiums due have been paid, subject to the premium rate, benefit structure and terms and conditions that apply at the time of renewal.

Credit Risk

The Optional Rider is underwritten by MetLife Limited. The benefits payable under your Optional Rider are subject to the credit risk of MetLife Limited. If MetLife Limited is unable to satisfy the financial obligations of the Optional Rider, the insured person may lose the coverage and you may lose the premium paid.

Foreign Exchange Risk

You should be aware that any transaction which is denominated in a currency other than that of your home currency is subject to foreign exchange risks.

Inflation Risk

The benefits under the Optional Rider may not be sufficient for the increasing protection needs in the future as the future cost of living may be higher than now due to the effects of inflation.

The information in this leaflet is intended for reference only. Please refer to the relevant Policy Provisions of MetLife Health Selection Critical Care Benefit for definitions, detailed terms, conditions and exclusions.

Important Notes● MetLife Limited reserves the right to accept or reject any application for MetLife Health Selection Critical Care Benefit.● MetLife Health Selection Critical Care Benefit is an optional rider with no savings element. All premiums pay for the insurance

and related costs.● MetLife Limited is the insurance underwriter of MetLife Health Selection Critical Care Benefit, and is solely responsible for all

content, approvals, coverage and benefit payment. MetLife Limited is a wholly-owned subsidiary of MetLife, Inc. in Hong Kong and operates under the "MetLife" brand. MetLife Limited is a company incorporated and registered as a private company limited by shares under the applicable laws in Hong Kong.

MetLife Limited Customer Service Centre: Level 57, Hopewell Centre, 183 Queen’s Road East, Wan Chai, Hong Kong

Tel: (852) 2199 1000 Fax: (852) 8101 3977 www.metlife.com.hk(This leaflet is for distribution in Hong Kong only.) H

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of the Year

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A1

每年保費表（美元）̂ ─「癌症治療計劃」 Annual Premium Table (USD)^ for Cancer Focused Plan

年齡 Age (上次生日年齡 )

(Age last birthday)

癌症治療計劃 Cancer Focused Plan尊尚 Premier 優越 Deluxe 標準 Standard

男性 Male 女性 Female 男性 Male 女性 Female 男性 Male 女性 Female非吸煙者

Non-smoker吸煙者

Smoker非吸煙者

Non-smoker吸煙者

Smoker非吸煙者

Non-smoker吸煙者

Smoker非吸煙者

Non-smoker吸煙者

Smoker非吸煙者

Non-smoker吸煙者

Smoker非吸煙者

Non-smoker吸煙者

Smoker

0 108 108 105 105 82 82 72 72 65 65 56 561 108 108 105 105 82 82 72 72 65 65 56 562 108 108 105 105 82 82 72 72 65 65 56 563 108 108 105 105 82 82 72 72 65 65 56 564 108 108 105 105 82 82 72 72 65 65 56 565 66 66 77 77 44 44 52 52 37 37 43 436 66 66 77 77 44 44 52 52 37 37 43 437 66 66 77 77 44 44 52 52 37 37 43 438 66 66 77 77 44 44 52 52 37 37 43 439 66 66 77 77 44 44 52 52 37 37 43 4310 66 66 77 77 44 44 52 52 37 37 43 4311 66 66 77 77 44 44 52 52 37 37 43 4312 66 66 77 77 44 44 52 52 37 37 43 4313 66 66 77 77 44 44 52 52 37 37 43 4314 66 66 77 77 44 44 52 52 37 37 43 4315 66 66 77 77 44 44 52 52 37 37 43 4316 66 66 77 77 44 44 52 52 37 37 43 4317 66 66 77 77 44 44 52 52 37 37 43 4318 68 70 79 89 48 50 56 63 40 41 47 5019 76 81 88 107 54 57 63 71 45 49 53 6020 83 91 100 120 58 63 73 80 49 55 60 6721 90 100 112 133 60 67 79 90 50 58 64 7222 95 101 122 140 64 70 83 94 52 60 66 7323 100 110 130 149 67 73 91 101 54 62 70 7524 104 116 131 155 70 76 97 104 59 65 76 8225 107 118 139 159 77 77 103 116 60 67 77 8926 109 124 143 161 78 80 105 121 61 68 80 9127 111 125 152 170 80 83 112 130 63 70 86 9928 119 132 161 186 82 87 115 135 64 74 90 10529 130 138 176 193 87 92 125 148 65 79 99 11730 137 140 192 201 91 97 130 159 66 83 100 12331 139 145 204 214 93 102 140 166 68 86 105 12732 142 149 210 218 94 107 147 168 70 89 111 12933 145 156 228 237 95 119 156 169 74 96 119 13734 150 167 234 241 106 131 161 182 82 102 122 14935 153 174 254 263 113 140 171 208 89 105 130 16136 157 186 286 312 122 144 197 237 93 110 146 18337 164 199 311 380 133 161 212 272 103 122 161 20638 171 213 352 434 138 171 241 308 109 135 180 22639 174 228 380 463 141 185 257 351 109 147 194 24940 177 242 402 520 146 201 280 382 117 162 208 28141 184 261 436 578 156 226 311 422 123 175 233 31942 204 298 463 629 165 254 344 486 126 189 261 36543 219 323 499 695 172 273 390 563 131 207 289 42444 243 363 540 747 190 290 406 625 141 221 304 47145 272 413 581 807 212 333 425 688 160 250 318 50246 302 454 623 828 232 369 452 723 176 280 337 53547 333 523 648 868 253 412 483 762 191 306 359 57248 368 570 695 967 285 458 501 792 202 347 374 59249 387 662 698 1,008 299 499 526 831 213 375 393 62450 422 720 736 1,064 318 538 545 871 221 401 409 655

A2


(Age last birthday)

癌症治療計劃 Cancer Focused Plan尊尚 Premier 優越 Deluxe 標準 Standard


Non-smoker吸煙者

Smoker非吸煙者

Non-smoker吸煙者

Smoker非吸煙者

Non-smoker吸煙者

Smoker非吸煙者

Non-smoker吸煙者

Smoker非吸煙者

Non-smoker吸煙者

Smoker非吸煙者

Non-smoker吸煙者

Smoker

51 453 795 787 1,185 341 583 594 931 244 441 442 70152 497 879 799 1,247 374 639 616 972 264 476 462 74153 536 973 830 1,333 416 761 627 1,000 283 513 473 76254 610 1,039 866 1,451 470 850 633 1,028 301 541 479 78855 671 1,153 884 1,483 541 939 647 1,051 323 582 492 81156 767 1,258 917 1,516 586 1,031 660 1,075 347 626 506 83457 839 1,333 925 1,535 642 1,123 684 1,089 373 691 522 84858 900 1,489 969 1,601 690 1,222 716 1,177 392 755 529 85559 978 1,606 987 1,657 719 1,325 734 1,196 434 817 540 87260 1,058 1,848 1,000 1,699 776 1,438 749 1,320 503 912 554 89861 1,171 2,020 1,008 1,749 856 1,464 764 1,435 556 1,019 569 92062 1,214 2,098 1,049 1,782 927 1,495 777 1,489 606 1,126 577 93863 1,343 2,194 1,104 1,844 950 1,643 811 1,533 669 1,225 592 97364 1,393 2,378 1,134 1,983 1,000 1,776 844 1,578 725 1,333 611 1,02165 1,485 2,459 1,184 2,197 1,105 1,961 862 1,617 784 1,469 638 1,05966 1,540 2,592 1,203 2,303 1,167 2,173 909 1,637 855 1,613 671 1,09367 1,635 2,822 1,211 2,449 1,238 2,381 956 1,694 926 1,770 706 1,15468 1,808 2,991 1,301 2,496 1,359 2,584 1,030 1,726 1,011 1,921 761 1,21569 1,997 3,189 1,377 2,534 1,507 2,777 1,116 1,784 1,114 2,065 825 1,32470 2,053 3,532 1,402 2,568 1,655 2,973 1,224 1,925 1,224 2,209 906 1,43371* 2,171 3,831 1,511 2,575 1,717 3,148 1,295 2,021 1,269 2,340 959 1,50572* 2,278 3,961 1,604 2,686 1,790 3,279 1,360 2,107 1,323 2,437 1,008 1,56973* 2,321 3,997 1,641 2,718 1,891 3,413 1,432 2,207 1,398 2,537 1,061 1,64474* 2,440 4,129 1,746 2,821 2,021 3,540 1,511 2,324 1,495 2,633 1,121 1,73175* 2,594 4,303 1,837 2,889 2,124 3,645 1,567 2,381 1,572 2,712 1,163 1,77476* 2,650 4,409 1,896 2,921 2,245 3,732 1,621 2,400 1,662 2,796 1,203 1,78977* 2,805 4,515 1,926 2,944 2,397 3,892 1,697 2,447 1,775 2,896 1,260 1,82478* 3,007 4,697 2,002 2,967 2,532 4,027 1,760 2,524 1,876 2,997 1,307 1,88179* 3,174 4,815 2,101 3,031 2,687 4,193 1,837 2,582 1,991 3,109 1,364 1,91580* 3,333 4,980 2,135 3,067 2,811 4,306 1,873 2,609 2,083 3,206 1,391 1,94581* 3,409 5,117 2,166 3,096 2,906 4,342 1,906 2,628 2,155 3,233 1,416 1,95982* 3,552 5,205 2,193 3,101 3,003 4,406 1,913 2,631 2,227 3,281 1,421 1,96283* 3,560 5,297 2,217 3,126 3,050 4,438 1,922 2,640 2,262 3,305 1,428 1,96884* 3,578 5,336 2,238 3,153 3,062 4,452 1,930 2,645 2,271 3,316 1,434 1,97385* 3,599 5,381 2,273 3,181 3,079 4,470 1,934 2,664 2,284 3,329 1,437 1,98686* 3,618 5,424 2,309 3,208 3,081 4,479 1,943 2,676 2,285 3,335 1,444 1,99587* 3,640 5,467 2,322 3,222 3,087 4,487 1,956 2,692 2,288 3,339 1,452 2,00788* 3,649 5,510 2,345 3,245 3,093 4,495 1,968 2,708 2,292 3,343 1,461 2,01889* 3,659 5,553 2,353 3,261 3,099 4,503 1,980 2,724 2,295 3,347 1,470 2,03090* 3,668 5,596 2,371 3,322 3,104 4,510 1,993 2,741 2,298 3,351 1,479 2,04291* 3,677 5,639 2,380 3,460 3,109 4,516 2,005 2,757 2,301 3,355 1,488 2,05392* 3,687 5,683 2,390 3,533 3,113 4,520 2,018 2,778 2,304 3,359 1,497 2,06993* 3,696 5,726 2,399 3,587 3,117 4,525 2,031 2,803 2,307 3,362 1,507 2,08794* 3,706 5,740 2,409 3,643 3,122 4,531 2,044 2,827 2,310 3,366 1,516 2,10495* 3,715 5,752 2,418 3,663 3,127 4,537 2,057 2,850 2,313 3,370 1,525 2,12196* 3,789 5,764 2,427 3,701 3,132 4,544 2,070 2,873 2,317 3,374 1,534 2,13797* 3,802 5,789 2,437 3,719 3,137 4,551 2,082 2,896 2,320 3,378 1,544 2,15398* 3,815 5,820 2,446 3,735 3,141 4,556 2,103 2,918 2,323 3,382 1,559 2,17199* 3,826 5,833 2,455 3,764 3,179 4,610 2,124 2,947 2,351 3,422 1,575 2,192

^ 須視乎保單核保情況而定 Subject to policy underwriting requirements

* 只供續保 For renewal only

每年保費表（美元）̂ ─「癌症治療計劃」 Annual Premium Table (USD)^ for Cancer Focused Plan

A3

每年保費表（美元）̂ ─「危疾治療計劃」 Annual Premium Table (USD)^ for Critical Illness Inclusive Plan


(Age last birthday)

危疾治療計劃 Critical Illness Inclusive Plan尊尚 Premier 優越 Deluxe 標準 Standard


Non-smoker吸煙者

Smoker非吸煙者

Non-smoker吸煙者

Smoker非吸煙者

Non-smoker吸煙者

Smoker非吸煙者

Non-smoker吸煙者

Smoker非吸煙者

Non-smoker吸煙者

Smoker非吸煙者

Non-smoker吸煙者

Smoker

0 114 114 110 110 85 85 73 73 68 68 60 601 114 114 110 110 85 85 73 73 68 68 60 602 114 114 110 110 85 85 73 73 68 68 60 603 114 114 110 110 85 85 73 73 68 68 60 604 114 114 110 110 85 85 73 73 68 68 60 605 67 67 82 82 45 45 56 56 38 38 47 476 67 67 82 82 45 45 56 56 38 38 47 477 67 67 82 82 45 45 56 56 38 38 47 478 67 67 82 82 45 45 56 56 38 38 47 479 67 67 82 82 45 45 56 56 38 38 47 4710 67 67 82 82 45 45 56 56 38 38 47 4711 67 67 82 82 45 45 56 56 38 38 47 4712 67 67 82 82 45 45 56 56 38 38 47 4713 67 67 82 82 45 45 56 56 38 38 47 4714 67 67 82 82 45 45 56 56 38 38 47 4715 67 67 82 82 45 45 56 56 38 38 47 4716 67 67 82 82 45 45 56 56 38 38 47 4717 67 67 82 82 45 45 56 56 38 38 47 4718 76 78 86 97 51 53 58 66 43 44 49 5219 84 90 95 109 57 62 64 74 48 52 54 6120 90 100 111 123 62 69 75 82 52 58 62 6921 93 107 119 136 64 74 83 91 54 62 69 7522 97 111 123 148 67 77 86 96 55 64 71 7623 101 115 134 157 70 80 94 102 57 66 75 7824 106 122 136 163 73 85 101 111 61 69 82 8525 116 127 148 165 79 88 110 121 63 71 83 9226 118 129 154 172 79 90 113 124 64 73 86 9527 120 133 162 181 81 93 122 134 65 75 93 10328 126 140 179 191 85 98 125 141 66 79 96 10929 132 147 196 201 89 103 133 150 68 84 106 12130 139 153 200 212 95 108 136 165 70 88 108 12731 143 166 209 216 96 112 147 168 71 92 113 13032 145 171 224 226 97 115 154 185 75 94 119 14133 153 180 229 254 104 127 164 200 79 102 128 15434 158 191 243 279 111 142 182 226 88 108 141 17435 169 195 258 300 122 153 204 253 95 112 155 19236 175 202 296 343 137 166 236 296 101 121 175 22037 181 222 334 413 146 181 268 345 109 131 201 25738 186 235 369 475 152 192 298 394 114 145 232 29439 190 251 393 515 154 204 327 428 117 156 249 32540 199 272 440 586 161 222 359 488 124 172 266 35841 215 318 483 681 174 262 397 553 134 198 303 41842 240 348 510 741 191 291 441 623 144 211 346 48443 260 386 556 835 206 313 493 707 154 231 377 54444 285 445 577 876 213 341 511 767 159 255 393 59345 316 498 609 988 229 392 534 851 171 293 406 63346 351 543 658 1,034 261 424 555 895 196 326 425 68247 383 587 706 1,060 292 486 584 918 220 362 446 70448 403 661 748 1,095 325 535 608 949 242 412 472 73549 433 767 760 1,123 347 582 618 973 255 446 481 76050 471 855 809 1,155 368 614 626 1,001 270 475 489 782

A4


(Age last birthday)

危疾治療計劃 Critical Illness Inclusive Plan尊尚 Premier 優越 Deluxe 標準 Standard


Non-smoker吸煙者

Smoker非吸煙者

Non-smoker吸煙者

Smoker非吸煙者

Non-smoker吸煙者

Smoker非吸煙者

Non-smoker吸煙者

Smoker非吸煙者

Non-smoker吸煙者

Smoker非吸煙者

Non-smoker吸煙者

Smoker

51 524 917 853 1,253 396 689 681 1,097 297 540 519 84152 569 1,027 885 1,406 440 793 745 1,167 331 603 555 88053 644 1,145 898 1,582 475 872 766 1,211 361 669 569 91354 733 1,222 937 1,658 521 995 789 1,273 386 737 581 94355 775 1,343 959 1,683 555 1,049 806 1,310 423 791 594 97056 876 1,487 992 1,702 640 1,174 823 1,348 455 842 607 99857 934 1,539 994 1,717 679 1,268 843 1,369 487 903 622 1,01558 1,044 1,700 1,043 1,728 733 1,370 861 1,389 525 966 635 1,02959 1,098 1,859 1,062 1,773 799 1,482 878 1,414 577 1,047 648 1,04860 1,228 2,091 1,117 1,826 911 1,600 900 1,449 656 1,165 664 1,07461 1,301 2,269 1,158 1,918 987 1,803 917 1,485 739 1,309 677 1,10162 1,392 2,358 1,211 2,005 1,102 1,961 938 1,512 814 1,450 692 1,12163 1,521 2,646 1,216 2,069 1,182 2,199 966 1,558 881 1,634 714 1,15564 1,603 2,839 1,321 2,181 1,273 2,452 1,004 1,625 958 1,823 742 1,20665 1,758 3,144 1,364 2,360 1,410 2,736 1,054 1,725 1,022 2,035 779 1,28066 1,839 3,519 1,430 2,565 1,506 3,005 1,107 1,760 1,112 2,235 819 1,30667 1,918 3,857 1,447 2,648 1,670 3,301 1,177 1,868 1,230 2,456 871 1,38768 2,172 4,121 1,504 2,691 1,842 3,548 1,245 2,003 1,357 2,641 922 1,48869 2,345 4,351 1,640 2,901 2,018 3,792 1,346 2,153 1,487 2,823 998 1,59970 2,622 4,761 1,674 3,063 2,205 4,052 1,462 2,302 1,623 3,010 1,084 1,71171* 2,763 4,951 1,795 3,069 2,342 4,248 1,538 2,410 1,725 3,158 1,141 1,79172* 2,849 5,184 1,904 3,210 2,462 4,428 1,615 2,519 1,814 3,294 1,198 1,87273* 2,958 5,416 1,947 3,422 2,594 4,594 1,699 2,638 1,912 3,419 1,261 1,96274* 3,178 5,519 2,069 3,498 2,731 4,754 1,791 2,750 2,014 3,540 1,329 2,04575* 3,378 5,739 2,192 3,515 2,872 4,904 1,871 2,846 2,119 3,654 1,389 2,11676* 3,534 5,763 2,439 3,541 3,029 5,049 1,935 2,886 2,237 3,764 1,437 2,14677* 3,726 5,990 2,507 3,581 3,195 5,230 2,026 2,942 2,360 3,901 1,504 2,18878* 3,931 6,188 2,532 3,609 3,371 5,436 2,101 3,017 2,492 4,056 1,561 2,24479* 4,145 6,581 2,553 3,629 3,560 5,653 2,192 3,071 2,633 4,220 1,629 2,28480* 4,372 6,866 2,573 3,669 3,737 5,803 2,235 3,122 2,764 4,332 1,661 2,32281* 4,489 6,895 2,621 3,719 3,915 5,888 2,275 3,158 2,896 4,395 1,691 2,34982* 4,604 7,007 2,678 3,768 4,037 5,962 2,310 3,198 2,987 4,452 1,717 2,37983* 4,621 7,033 2,692 3,811 4,056 5,985 2,348 3,251 3,001 4,468 1,745 2,41984* 4,639 7,045 2,708 3,832 4,075 6,009 2,376 3,277 3,014 4,485 1,766 2,43985* 4,657 7,057 2,751 3,878 4,100 6,045 2,382 3,287 3,033 4,511 1,770 2,45686* 4,675 7,069 2,797 3,950 4,108 6,056 2,395 3,296 3,038 4,518 1,780 2,46987* 4,692 7,081 2,810 3,955 4,110 6,059 2,411 3,306 3,039 4,519 1,792 2,48588* 4,710 7,093 2,823 3,980 4,113 6,063 2,427 3,315 3,040 4,520 1,804 2,50189* 4,728 7,106 2,836 4,003 4,115 6,066 2,431 3,324 3,041 4,521 1,817 2,51890* 4,746 7,118 2,849 4,039 4,118 6,069 2,435 3,334 3,042 4,522 1,829 2,53491* 4,763 7,130 2,862 4,194 4,120 6,072 2,443 3,343 3,043 4,523 1,841 2,55092* 4,781 7,142 2,875 4,261 4,123 6,074 2,452 3,352 3,044 4,524 1,854 2,57293* 4,799 7,154 2,887 4,276 4,125 6,077 2,462 3,362 3,045 4,527 1,867 2,59694* 4,817 7,166 2,900 4,291 4,137 6,090 2,473 3,371 3,053 4,536 1,879 2,62095* 4,834 7,178 2,913 4,305 4,153 6,111 2,485 3,381 3,064 4,551 1,892 2,64396* 4,852 7,190 2,926 4,320 4,155 6,115 2,499 3,390 3,065 4,552 1,905 2,66697* 4,870 7,203 2,939 4,334 4,158 6,118 2,510 3,399 3,066 4,554 1,918 2,68898* 4,888 7,215 2,952 4,349 4,234 6,229 2,541 3,409 3,123 4,637 1,937 2,70999* 4,906 7,227 2,965 4,364 4,283 6,301 2,566 3,418 3,159 4,690 1,956 2,735

^ 須視乎保單核保情況而定 Subject to policy underwriting requirements

* 只供續保 For renewal only

每年保費表（美元）̂ ─「危疾治療計劃」 Annual Premium Table (USD)^ for Critical Illness Inclusive Plan

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