Life Insurance

HEALTH
"HealthCare 168" Critical Illness Protector 2 provided by FTLife offers various innovative product advantages and extra protections, which is your preferred critical illness protection.

HealthCare 168 Critical Illness Health Insurance
Period

UP TO AGED 100

Issue age

AGED 15 DAYS – 65 YEARS

You can buy this from

YOUR FINANCIAL CONSULTANT

Full coverage against 168 illnesses1

This plan covers 168 illnesses1, including all congenital Critical Illnesses and Juvenile Illnesses which have not been detected at policy issue. It also covers common Carcinoma In Situ1, 10 and Less Severe Malignancy1, 10 in up to 38 organs. Some common Juvenile Illnesses, Critical Illnesses and operations of lower Severity Level such as Carcinoma In Situ, Less Severe Heart Attack, Minimally Invasive Direct Coronary Artery By-pass, Severe Asthma and Autism are also covered by this plan, providing you and your family with comprehensive protection.

Up to 300% of the Sum Insured coverage for Cancer6,9. Comprehensive coverage against carcinoma-in-situ in all organs10

Up to 200% of the Sum Insured of Additional Cancer Benefit6 will be paid together with the first Living Benefit, hence the total benefits up to 300% of the Sum Insured6 will be provided. Whether it is a new cancer (unrelated to the preceding cancer) or it is a continuation, recurrence or a related cancer of the preceding cancer can be covered under this Additional Cancer Benefit.

Additional Cancer Benefit6 shall be paid subject to below waiting period requirements:

  1. Subsequent to the claim of Living Benefit from a non-cancer Severity Level 3 Critical Illness, the subsequent cancer has to be diagnosed at least 1 year from the date of diagnosis of the related Critical Illness; and
  2. If the subsequent cancer is unrelated to the preceding cancer, the period between the diagnosis dates of the two cancers has to be at least 1 year apart; and
  3. If the subsequent Cancer is a continuation, recurrence or a related Cancer of the preceding Cancer, the period between the diagnosis dates of the two cancers has to be at least 3 years apart.
Up to 200% of the Sum Insured coverage for Stroke / Severe Heart Attack7,9

The plan provides the insured with benefit on Stroke / Severe Heart Attack of up to 200% of the Sum 7. The subsequent Stroke/Severe Heart Attack should meet a minimum of 1-year waiting period .

Coverage up to 180% of the Sum Insured on respiratory diseases3,4,9

Serious air pollution directly threaten the health of citizens, while some long-term illnesses such as Lung Cancer or Asthma not only involve expensive medical costs, but may also cause people losing the ability to work. Thus, the plan covers various serious or long-term respiratory diseases. If the insured (within the first 20 policy years (issue age 20 or below)) is diagnosed with a covered respiratory disease, Additional Benefit on Respiratory Disease of up to 80% of the Sum Insured4 will be paid out.

This plan provides critical illness protection16to the people with benign conditions

This plan extends the comprehensive coverage16 to the insured who diagnosed with the covered benign conditions with additional premium if the relevant underwriting requirements are fulfilled. If the benign condition is proven to be no relapse and worse off after a 2-year waiting period, and fulfil the relevant underwriting requirements, we will offer Exclusive Protection for Benign Conditions that the extra loading on the relevant benign condition will be waived and helps you to experience a journey to better health.

Additional benefit of maximum 80% of the Sum Insured for up to first 20 years4,9

In the unfortunate event of death of the insured and/or the insured is diagnosed with one of the Critical Illnesses or Juvenile Illnesses (other than respiratory diseases) within the first 20 policy years (issue age 20 or below), the Additional Death Benefit and/or Additional Living Benefit will be paid up to 80% of the Sum Insured.

The insured also can enjoy the Convertibility Privilege14. Starting from the 19th policy anniversary (Issue age 20 or below) or starting from the 9 th policy anniversary (Issue age 21 or above), you may convert the Additional Living Benefit and Additional Death Benefit into a designated whole life or whole life with critical illness protection insurance plan offered by us without provision of further evidence of the insured’s insurability.

Reset maximum 90% of the Sum Insured after claims and may get back up to 100% of the original protection5

This plan offers Protection Reset Benefit that allows you to clear your mind of worries about the reduction of your existing health protection by previous claims. After payment of Severity Level 1 or 2 Critical Illness(es) and/or Juvenile Illness(es) claims, protection can be reset up to 90% Sum Insured5 after 1 year and will get back up to 100% original protection again.

All future premiums will be waived2 with continuing protection

All future premiums payable under this basic plan will be waived2 from the respective diagnosis date once a Living Benefit for Severity Level 2 or 3 Critical Illnesses has been paid or payable. The insured can enjoy free protection up to the termination of the policy

Protection and wealth accumulation rolled into one

It provides Guaranteed Cash Value which will increase as the policy year passes, together with the Terminal Dividend8, giving you comprehensive protection and at the same time growing your wealth.

Flexible premium payment period for your financial needs

The plan offers premium payment period of 10, 15, 20 and 25 years. For policies with 10-year premium payment period, you may choose the premium prepayment option as short as 1-year,3-year or 5-year, thereby enjoying a lower cost by paying up the plan earlier with the interest earned on the prepaid premiums11

Free Worldwide Emergency Assistance Services15

When you enroll in “HealthCare 168” Critical Illness Protector 2, you will enjoy 24-Hour Worldwide Emergency Assistance Services15 no matter where you are. The maximum claim amount is up to USD$1,000,000 (per incident), which include emergency medical evacuation / repatriation and repatriation of mortal remains etc.

Remarks
  1. For details of the scope of Critical Illness coverage, please refer to the “HealthCare 168” Critical Illness Protector 2: Overview of Covered Critical Illness Benefits.
  2. Irrespective of any Living Benefit/Additional Living Benefit paid for any Critical Illness(es) of Severity Level 1 or Juvenile Illness(es), the full premiums under this basic plan continue to be payable.
  3. Coverage up to 180% of the Sum Insured on respiratory diseases, including 100% of the Sum Insured of the Living Benefit of Severity Level 3 Critical Illness and 80% of the Sum Insured of the Additional Benefit on Respiratory Disease within the first 20 policy years (issue age 20 or below); for issue age 21 or above, we will provide the coverage on respiratory diseases and up to 160% of the Sum Insured (Including 100% of the Sum Insured of the Living Benefit of Severity Level 3 Critical Illness and 60% of the Sum Insured of the Additional Benefit on Respiratory Disease within the first 10 policy years).
  4. For the issue age 20 or below, the aggregate total amount of all Additional Living Benefit, Additional Death Benefit and Additional Benefit on Respiratory Disease is up to 80% of the Sum Insured within the first 20 policy years and after the 20th policy years, Additional Benefit on Respiratory Disease will be equal to 50% of the Sum Insured; for the issue age 21 or above, the aggregate total amount of all Additional Living Benefit, Additional Death Benefit and Additional Benefit on Respiratory Disease is up to 60% of the Sum Insured within the first 10 policy years and after the 10th policy years, Additional Benefit on Respiratory Disease will be equal to 50% of the Sum Insured. It is subject to the aggregate total amount of Living Benefit previously paid which has to be less than the Sum Insured before claiming the Additional Benefit on Respiratory Disease, and if the insured is diagnosed with a respiratory disease of Severity Level 3 Critical Illness, the Additional Benefit on Respiratory Disease will be paid out after deduction of Additional Living Benefit (if any) and Additional Benefit on Respiratory Disease (if any) previously paid.
  5. The Protection Reset Benefit is payable together with the Death Benefit or Living Benefit of Severity Level 3 Critical Illness if the date of diagnosis of the Severity Level 3 Critical Illness or the date of death of the insured is before the policy anniversary immediately following the insured’s age 75. Protection Reset Benefit is equal to the total amount of Living Benefit paid for Severity Level 1 and 2 Critical Illness(es) and/or Juvenile Illness(es) (up to 90% Sum Insured) of which the date of diagnosis of such illness(es) is at least 1 year before the date of diagnosis of the Severity Level 3 Critical Illness or the date of death of the insured.
  6. Up to 300% of the Sum Insured coverage for Cancer includes the first Living Benefit on Cancer and subsequent 2 claims of Additional Cancer Benefit. For the subsequent claims, the insured must survive for at least 14 days from the date of diagnosis of Cancer and meet the waiting period requirement listed in the policy provisions. The coverage of the Additional Cancer Benefit will cease on the policy anniversary at which the insured attains age 85. The policy will be terminated when the aggregate total amount of Additional Cancer Benefit and Additional Benefit on Stroke and Heart Attack paid reaches 200% of the Sum Insured.
  7. Coverage up to 200% Sum Insured coverage for Stroke / Severe Heart Attack and the number of claims on Stroke and Severe Heart Attack is up to 2 times which includes the Severity Level 3 Critical Illness and all the claims on Additional Benefit on Stroke and Severe Heart Attack. The Insured must survive for at least 14 days from the date of diagnosis of Stroke and/or Severe Heart Attack and meets the waiting period requirement. The coverage of the Additional Benefit on Stroke and Heart Attack will cease on the policy anniversary at which the insured attains age 85. The policy will be terminated when the aggregate total amount of Additional Cancer Benefit and/or Additional Benefit on Stroke and Heart Attack paid reaches 200% of the Sum Insured.
  8. Terminal Dividend is not guaranteed and will be payable after this policy has been in force for a specified number of policy years. FTLife will consider the total amount of Living Benefits paid (if any) and the amount that exceeds the Guaranteed Cash Value of the policy before determining the amount of the Terminal Dividend. Newly announced Terminal Dividend are influenced by a number of factors, including but not limited to investment returns and market fluctuations, and the amount may be higher or lower than the amount previously announced. Terminal Dividend will be paid upon the earliest of the followings: (i) death; (ii) payment of the Living Benefit of Severity Level 3 Critical Illness; (iii) policy surrender; and (iv) maturity when the insured attains age 100.
  9. If the insured is diagnosed with a qualifying Critical Illness or Juvenile Illness or surgical excision of Benign Tumour is undergone, we will pay a Living Benefit, Additional Living Benefit, Additional Cancer Benefit, Additional Benefit on Stroke and Heart Attack, Additional Benefit on Respiratory Disease and Additional Benign Benefit provided that the insured is alive when you apply to us for the benefit claim.
  10. The maximum total amount of Living Benefit payable for each of the Juvenile Illnesses and each of the following Critical Illnesses of (i) Carcinoma In Situ; (ii) Less Severe Malignancy; (iii) Osteoporosis with Fracture; and (iv) Pituitary Adenoma under all policies of the insured in the Company is USD50,000. This plan covers Carcinoma In Situ in all organs (except Carcinoma In Situ of the skin).
  11. The premium prepayment option is only applicable to policies with 10-year premium payment period and annual premium payment mode. Prepaid premium will be credited to your premium deposit account and accumulate at the prevailing interest rate offered at that time (the current interest rate offered is 2% per annum, but is not guaranteed). If the amount in the premium deposit account is not sufficient to pay the premium, the policy owner is required to make up the difference.
  12. We will pay benefit once only for each Severity Level 1 and 2 Critical Illnesses (except Carcinoma In Situ) and Juvenile Illnesses. Total amount of all Living Benefit paid for the Critical Illness(es) of Severity Level 1 and 2 and Juvenile Illness (es) equals to 90% of the Sum Insured, and the residual 10% of Sum Insured will be paid upon the death of the insured or in the event of diagnosis of Severity Level 3 Critical Illnesses. Living Benefit of Severity Level 3 Critical Illness or Death Benefit will be paid after deduction of Living Benefit of Severity Level 1 and 2 Critical Illnesses and Juvenile Illnesses previously paid. Coverage on Severity Level 1 and 2 Critical Illnesses and Juvenile Illnesses will cease upon the diagnosis of a qualifying Severity Level 3 Critical Illness.
  13. In case more than one Critical Illness(es)/Juvenile Illness(es) are diagnosed or undergone surgical excision of benign tumour in the same event, we will only pay the benefit relating to one of those Critical Illness(es)/Juvenile Illness(es)/surgical excision of benign tumour for which the highest benefit amount is payable. For details, please refer to policy provisions.
  14. The Convertibility Privilege is only applicable to Issue Age of 55 or below. Upon conversion, the Additional Living Benefit and Additional Death Benefit shall be ceased immediately. The sum insured of the new converted plan will be equal to 80% of Sum Insured (issue age 20 or below) or 60% of Sum Insured (issue age 21 or above) less the total amount of Additional Living Benefit paid (if any) and Additional Benefit on Respiratory Disease paid (if any). The Convertibility Privilege will be expired upon the 20th Policy Anniversary (Issue age 20 or below) or the 10th Policy Anniversary (Issue age 21 or above)
  15. Worldwide Emergency Assistance Services are provided by International SOS (HK) Limited. FTLife Insurance Company Limited reserves the right to change the terms and conditions of Worldwide Emergency Assistance Services and assumes no responsibility of the services provided by the third party service provider.
  16. This plan can still provide benefit to people with Benign Conditions; however, we will not pay any Additional Benign Benefit for that organ with pre-existing Benign Conditions.

The above product summary is for reference only. Please refer to the policy provision for the terms and conditions.

If you are interested in this product, please contact your insurance consultant.

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