LifeSave Protection Plus (Lifetime Medical)

Plan Summary

Retirement age	55	60		65
Issue age	19-45	19-50		19-55
Premium paying period	5 years/10 years/to retirement age
Nationality	HKID / Macau ID holders only
Policy term	Until age 99
Currency	HK$ or US$
Sum Insured/Medical Account	• Minimum amount: HK$200,000/US$25,000 • Maximum amount: HK$2,000,000/US$250,000 (per life insured)
Premium	• Level and guaranteed • Annual, monthly or single payment
Major Illness and Medical Benefits
	The benefit amount is based on a percentage of the sum insured, subject to the maximum benefit limit
	% of the sum insured		Maximum benefit limit at the time of application
Major illness Benefit¹	15%		N/A
Surgical Cash Benefit²	Complex surgery: 20% Major surgery: 12% Intermediate surgery: 6% Minor surgery: 3%		(per hospital confinement) HK$180,000/US$22,500 HK$100,000/US$12,500 HK$45,000/US$5,625 HK$25,000/US$3,125
Daily Hospital Cash Benefit³	0.25% (per day) 0.5% (per day) for intensive care treatment		•HK$2,000/US$250 (per day) •HK$4,000/US$550 (per day) for intensive care treatment •365 days per confinement (including maximum 30 days for intensive care treatment)
Special Treatment Cash Benefit¹	5%		N/A
Covered major illnesses	1.Heart attack 2.Coronary artery bypass grafting 3.Stroke 4.Cancer 5.Kidney failure 6.Paraplegia/Paralysis 7.Major organ transplant 8.Blindness 9.Loss of hearing 10.Loss of speech 11.Loss of limbs 12.Coma 13.Benign brain tumour 14.Brain damage 15.Poliomyelitis 16.Multiple sclerosis 17.Parkinson's disease		18.Alzheimer's disease 19.Motor neuron disease 20.Muscular dystrophy 21.Heart valve replacement 22.Surgery to aorta 23.Fulminant viral hepatitis 24.Pulmonary arterial hypertension 25.Chronic liver disease 26.Bacterial meningitis 27.Major burns 28.Encephalitis 29.Aplastic anaemia 30.Cardiomyopathy 31.Loss of independent existence 32.Severe Rheumatoid Arthritis 33.Apallic Syndrome 34.Vegetative State (Persistent)
Worldwide coverage	Benefit Areas: Hong Kong SAR, Macau SAR, Taiwan, Singapore, Malaysia, Thailand, Japan, South Korea, Canada, United States of America, Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Monaco, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom, Australia, New Zealand • If the life insured requires hospital confinement or undergoes surgical procedure during hospitalisation outside the Benefit Areas: - Benefit amounts of Surgical Cash Benefit and Daily Hospital Cash Benefit will be reduced by 50% of the respective benefit amounts - The maximum period payable for Daily Hospital Cash Benefit is 90 days (including maximum 15 days for intensive care treatment)
Life cover and extra protection
Death benefit	Balance of Medical Account⁴ plus the death benefit buy-back amount and any accumulated dividends and guaranteed retirement bonus, deducted by outstanding policy loan
Terminal Illness Benefit	Pay the total death benefit in advance
Waiver of Premium Benefit (optional benefit)	Waive the premium due
Unemployment Benefit	Defer the premium payment for up to 365 days
Savings
Policy savings	Guaranteed cash value and non-guaranteed policy dividends
Guaranteed retirement bonus	10% of sum insured

Note:
¹This benefit will terminate once the claim payment is made.

²In the case where the life insured has undergone two or more surgical procedures during one single hospital confinement, we will only pay the Surgical Cash Benefit for the surgical operation which provides the highest benefit amount. In the case where a Surgical Cash Benefit has been claimed by the life insured and afterwards, another surgery(ies) due to the same or related injury, sickness, disease or illness is/are performed in subsequent hospital confinement(s), whilst the time gap between each hospital confinement is not more than 90 days, counting from the date of discharge of the immediately preceding hospital confinement to the start date of subsequent hospital confinement, then the Surgical Cash Benefit payable during these hospital confinements will be calculated with the reference to the benefit amount of the surgery that has the highest classification after deducting the benefit amount of Surgical Cash Benefit already paid.

³Every 24 consecutive hours that the life insured stays in a hospital will be regarded as one-day hospital confinement. If the initial hospital confinement duration is not less than 18 hours and a charge of daily room and board by the hospital is incurred, this will be regarded as the first day of hospital confinement. If two or more hospital confinements are caused by the same or related injury, sickness, disease or illness, those hospital confinements will be regarded as one single hospital confinement provided that each of them is not separated by more than 90 days from the date of discharge of the immediately preceding related hospital confinement.

⁴ If the balance of Medical Account is reduced to zero, the death benefit amount payable under the policy will be equivalent to 1% of the sum insured and the death benefit buy-back amount (if any), plus any accumulated dividends/guaranteed retirement bonus.

The above information is intended as a general summary. Please refer to the policy wording for exact terms and conditions and details of the exclusions.