PRUmyhealth crisis lifelong care
|
|
- Austin Miles
- 8 years ago
- Views:
Transcription
1 PRUmyhealth Health Protection
2 A limited-pay major disease insurance providing you with comprehensive medical protection and financial security An unexpected life-threatening disease can drain your energy and your finances. Due to the increasing trend for even younger generations to be afflicted by major diseases, people are now choosing extra security to safeguard themselves and their families. With PRUmyhealth, you can enjoy comprehensive lifetime healthcare protection at very affordable premiums. The plan provides a lump sum payment, allowing you to concentrate on recovery instead of worrying about medical bills and loss of income. PRUmyhealth at a glance: 3 Comprehensive whole life coverage for 69 Major Disease Conditions 1, including 17 Advanced Claim Disease Conditions 3 Emergency cash for immediate treatment from Advanced Claims 3 One-off extra benefit of 20% of current sum assured 11 on selected Major Disease Conditions 2 3 Free 10-year crisis cover term 3 provides you with additional protection of 35% or 50% of basic sum assured for the first 10 policy years 3 Level premiums 4 with 6 different premium payment terms 5 starting from 5 years 3 Financial flexibility and protection in one plan
3 PRUmyhealth Comprehensive whole life coverage for 69 Major Disease Conditions 1 including 17 Advanced Claim Disease Conditions PRUmyhealth ( the plan ) is available to those aged 1 to 65 5 (age next birthday), offering total care through every stage of life. The plan provides you with comprehensive whole life protection against 69 Major Disease Conditions 1, including 17 Advanced Claim Disease Conditions. The most common ailments, such as cancer, heart disease and stroke, are all covered under the plan. If the Life Assured is diagnosed with any of the covered Major Disease Conditions (except for the 17 Advanced Claim Disease Conditions), a lump sum Major Disease Benefit 1 will be payable. Emergency cash for immediate treatment from Advanced Claims Recognising the stress associated with contracting a major disease, the plan covers up to three claims for 17 specific Advanced Claim Disease Conditions to give you immediate support in seeking appropriate medical treatment at the earliest stage of the disease. Advanced Claim Disease Conditions are divided into three groups, Group One, Group Two and Group Three. With a threeclaim total limit, policyholders may claim up to twice in Group One or Group Two, which include Carcinoma-in-situ 6 and Coronary Angioplasty 7, and once in Group Three, which covers many important child and juvenile disorders. Advanced Claims are limited to a total maximum amount of US$90,000/ HK$720,000 per Life Assured, and a maximum of US$30,000/HK$240,000 8 for each group of disease per Life Assured. Please refer to the Benefit Summary stated in this leaflet. When we calculate the maximum amount payable under Advanced Claims, we will count the payment of Advanced Claims of all PRUmyhealth policies covering the same Life Assured. The payment of Advanced Claims of other major illness plans you have with Prudential Hong Kong Limited ( Prudential ) will not be counted. One-off extra benefit of 20% of current sum assured 11 on selected Major Disease Conditions 2 In case the Life Assured is diagnosed as having Cancer, Heart Attack or Stroke, whether (i) it is the first diagnosis with the condition reaching the level of severity stated in the policy provision; or (ii) the Major Disease Benefit on Cancer, Heart Attack or Stroke has been paid 9 and the condition of the same Major Disease deteriorates to an extent that fulfils the definitions as set out in the policy provision within the specified period 10 following the first diagnosis of respective Major Disease, an additional benefit of 20% of the current sum assured 11,12 will be provided to give you extra peace of mind. Similarly, if being diagnosed as having Alzheimer s Disease, Parkinson s Disease, or Multiple Sclerosis on or before age 61 (age next birthday), 20% of the current sum assured 11,12 will be provided to help you overcome this difficult time. Free 10-year crisis cover term 3 provides you with additional protection of 35% or 50% of basic sum assured for the first 10 policy years The Free 10-year crisis cover term 3 offers Life Assured from age 1 to 18 (age next birthday) an additional benefit equivalent to 50% of the basic sum assured of the PRUmyhealth in the first 10 policy years for added protection. For Life Assured from 19 to 65 (age next birthday), it provides extra 35% of the basic sum assured. Furthermore, if you would like to extend this temporary coverage to a permanent one, you have an option to convert the Free 10-year crisis cover term 3 into a new life insurance policy with cash value (which provides coverage on life and/ or critical illness), without the need to provide evidence of your health.
4 Level premiums 4 with 6 premium payment terms starting from 5 years The plan provides a wide range of premium payment terms for your selection. You can choose to settle all premiums while you have income and then enjoy comprehensive protection even into your retirement. For your convenience, you have the choice of paying in HK dollars or US dollars 14. The premium structure of this plan is level but not guaranteed 4. 1) Benefit Protector Option 15 to suit your needs To guard against the pressure of inflation, the plan offers a Benefit Protector Option 15 (not applicable to the Free 10-year crisis cover term 3 and any other supplementary benefits 16 ) that allows you to automatically increase your initial sum assured at policy issuance by 5% every year up to 200% of initial sum assured with additional premium payments. Further proof of insurability is not required. Financial flexibility and protection in one plan For your broadest financial flexibility, the plan provides up to 80% of its Guaranteed Cash Value as a policy loan 13, and also provides a lump sum Surrender Benefit upon policy surrender. In the event of the Life Assured s death, the Death Benefit will be paid to the beneficiaries, giving them extra financial support during this difficult time. 2) Total care with optional supplementary benefits for your selection Based on your individual needs, you can add a wide range of supplementary benefits 16 to the plan, with additional premium payments, to cover yourself against extra medical expenses, total and permanent disability, accidents and other unexpected occurrences. In addition, PRUmyhealth also provides the following additional benefits for your selection:
5 PRUmyhealth List of Major Disease Conditions Covered # Major Disease Conditions Cancer 1. Cancer 2. Cerebral Metastasis Illnesses related to the Heart 3. Cardiomyopathy 4. Coronary Artery Disease Requiring Surgery 5. Heart Attack 6. Heart Valve and Structural Surgery 7. Primary Pulmonary Arterial Hypertension 8. Surgery to the Aorta Illnesses related to the Nervous System 9. Alzheimer s Disease 10. Amyotrophic Lateral Sclerosis 11. Apallic Syndrome 12. Bacterial Meningitis 13. Benign Brain Tumour 14. Brain Surgery 15. Coma 16. Creutzfeldt-Jacob Disease (CJD) 17. Encephalitis 18. Major Head Trauma 19. Meningeal Tuberculosis 20. Motor Neurone Disease 21. Multiple Sclerosis 22. Muscular Dystrophy 23. Paralysis 24. Parkinson s Disease 25. Poliomyelitis 26. Progressive Bulbar Palsy 27. Progressive Supranuclear Palsy 28. Stroke Illnesses related to the Major Organs and Functions 29. Chronic Liver Disease 30. Chronic Relapsing Pancreatitis 31. End Stage Lung Disease 32. Kidney Failure 33. Major Organ Transplantation 34. Necrotising Fasciitis 35. Severance of Limbs 36. Systemic Lupus Erythematosus (SLE) with Lupus Nephritis Other Major Illnesses 37. AIDS due to Blood Transfusion 38. Aplastic Anaemia 39. Blindness 40. Crohn s Disease 41. Deafness 42. Ebola 43. Elephantiasis 44. Fulminant Viral Hepatitis 45. Loss of Independent Existence (Coverage from age (age next birthday)) 46. Loss of Speech 47. Major Burns 48. Medullary Cystic Disease 49. Occupationally Acquired HIV 50. Severe Rheumatoid Arthritis 51. Terminal Illness 52. Total and Permanent Disability (coverage from age 1-65 (age next birthday)) Advanced Claim Disease Conditions Group One: 1. Carcinoma-in-situ The covered organs include breast, cervix uteri, colon and rectum, fallopian tube, lung, nasopharynx, ovary, penis, stomach and oesophagus, testicle, urinary tract, uterus and vagina Group Two: 2. Coronary Angioplasty Group Three: Other Advanced Claim Disease Conditions 3. Severe Central or Mixed Sleep Apnoea 4. Severe Epilepsy 5. Severe Obstructive Sleep Apnoea 6. Severe Psychiatric Illness (please refer to * below) 7. Transmyocardial Laser Revascularisation 8. Autism (please refer to * below) 9. Dengue Haemorrhagic Fever 10. Insulin Dependent Diabetes Mellitus 11. Kawasaki Disease 12. Osteogenesis Imperfecta 13. Rheumatic Fever with Valvular Impairment 14. Severe Asthma 15. Severe Haemophilia 16. Systemic Juvenile Rheumatoid Arthritis 17. Type I Juvenile Spinal Amyotrophy coverage from age 1-18 (age next birthday) # Coverage for whole life unless specified. * Only applicable for the Life Assured who is a Hong Kong resident and is holding valid Hong Kong identity document as at the date of diagnosis. For details, please refer to Note 17.
6 Benefit Summary Benefits PRUmyhealth Free 10-year crisis cover term 3 Maximum Number of Claims per Policy 100% of current sum assured 11 Major Disease Benefit 1 + face value of Terminal Bonus % of current sum assured 3,12 1 Major Disease Extra Benefit 2 (Cancer, Heart Attack, Stroke, Alzheimer s Disease, Parkinson s Disease and Multiple Sclerosis) Additional 20% of current sum assured 11 Additional 20% of current sum assured 3,12 1 Advanced Claims of Major Disease Benefit Group One : Carcinoma-In-Situ 25% of current sum assured % of current sum assured 3,12 or US$30,000/HK$240,000 per life limit 8, subject to a deduction of all claims 8 being paid and/or payable in respect of Carcinoma-in-situ under all PRUmyhealth and Free 10-year crisis cover term 3 (whichever is lesser) Group Two : Coronary Angioplasty 25% of current sum assured % of current sum assured 3,12 or US$30,000/HK$240,000 per life limit 8, subject to a deduction of all claims 8 being paid and/or payable in respect of Coronary Angioplasty under all PRUmyhealth and Free 10-year crisis cover term 3 (whichever is lesser) Group Three : Other Advanced Claim Disease Conditions 20% of current sum assured % of current sum assured 3,12 or US$30,000/HK$240,000 per life limit 8, subject to a deduction of all claims 8 being paid and/or payable in respect of all the Advanced Claim Disease Conditions for Group Three under all PRUmyhealth and Free 10-year crisis cover term 3 (whichever is lesser) Overall Maximum Number of all Advanced Claims 3 Death Benefit 100% of current sum assured % of current + face value of Terminal Bonus 14 sum assured 3,12 Not applicable Surrender Benefit Benefit Protector Option 15 Guaranteed Cash Value + cash value of Terminal Bonus 14 Not applicable Not applicable Increase of 5% of the initial sum assured every year Not applicable Not applicable The above benefits are payable subject to the deduction of any payments of Advanced Claims in respect of PRUmyhealth and Free 10-year crisis cover term 3 being paid and/or payable and outstanding loan and interest (if any), except Major Disease Extra Benefit and Advanced Claims which are only subject to the deduction of any outstanding loan and interest (if any). Please refer to the policy provision for the exclusion clauses.
7 PRUmyhealth Notes: 1. The Major Disease Benefit is payable according to the definitions which includes but is not limited to the age limit specified in the policy, and it is payable once only for each policy, except for the payment of Advanced Claims for the 17 Advanced Claim Disease Conditions, and the policy will be terminated thereafter. 2. Selected Major Disease Conditions include Alzheimer s Disease, Parkinson s Disease, Multiple Sclerosis, Cancer, Heart Attack and Stroke. The Major Disease Extra Benefit is payable if the definitions as set out in the policy provision are fulfilled. The benefit is payable once only for each policy and the benefit will be terminated thereafter. 3. The Free 10-year crisis cover term benefit amount is equivalent to 50% of the basic sum assured of PRUmyhealth crisis lifelong care for Life Assured from age 1 to 18 (age next birthday) and 35% of the basic sum assured for Life Assured from 19 to 65 (age next birthday). It excludes the sum assured derived from Benefit Protector Option, if applicable. If the basic sum assured of PRUmyhealth is reduced, the sum assured of Free 10-year crisis cover term will be adjusted proportionally. The Free 10-year crisis cover term benefit will not be eligible for any Terminal Bonus and cash values. The benefit of Free 10-year crisis cover term will be terminated upon the termination of PRUmyhealth or on the 10 th policy anniversary date, whichever is earlier. In the event of conversion of Free 10-year crisis cover term to a new life insurance policy, it must be applied within the period of one month before or after the expiry of the Free 10-year crisis cover term, and must meet all specified conditions and administrative rules at the time of conversion. 4. Prudential reserves the right to review the premium rates on each policy anniversary and adjust the premium rates accordingly across a particular risk class (including but not limited to gender and smoking status) but not to an individual customer. 5. The Life Assured must be at least 30 days old when the proposal document is signed. The premium payment term for selection is subject to the issue age of the Life Assured as listed below: Premium Payment Term Issue Age (Age Next Birthday) 5-year year year year 1-55 Until age Until age To be eligible for a second claim under Carcinoma-in-situ, the second claim must be a Carcinoma-in-situ of one of the 13 specified organs that is different from the organ of first claim. The second claim for Carcinoma-in-situ will be counted towards the maximum of 3 Advanced Claims per policy. 7. To be eligible for a second claim under Coronary Angioplasty, the treatment must be performed on a location of stenosis or obstruction in a major coronary artery where no stenosis greater than 60% was identified in the coronary angiogram relating to the first claim of this illness. The second claim for Coronary Angioplasty will be counted towards the maximum of 3 Advanced Claims per policy. 8. The calculation includes all PRUmyhealth and Free 10-year crisis cover term 3 covering the same Life Assured. 9. In the event the Major Disease Benefit is paid for Cancer, Stroke or Heart Attack and the policy is terminated upon the payment of the benefit, the Major Disease Extra Benefit for the same Major Disease Condition will still be payable if the definition as set out in the policy provision is fulfilled within the specified period The specified period means: (i) for Cancer, within 24 months from the date of the first diagnosis; (ii) for Heart Attack and Stroke, within 6 months from the date of the first diagnosis. 11.The current sum assured is the latest sum assured of a PRUmyhealth policy (excluding Free 10-year crisis cover term 3 ) which takes into account of (i) any increments of sum assured by exercising Benefit Protector Option; and/or (ii) any reduction of sum assured. 12.The current sum assured of Free 10-year crisis cover term 3 is the latest sum assured which takes into account of the adjustment of coverage after any reduction of sum assured of PRUmyhealth (if applicable). Please also refer to note 15 for further information. 13. Interest will be charged on policy loans. It is calculated at an interest rate as solely determined by Prudential from time to time. If the outstanding loan with interest is more than 90% of the guaranteed cash value minus Advanced Claims payment of PRUmyhealth crisis lifelong care, the policy will be terminated. 14.The amount of Terminal Bonus payable will be calculated based on a number of factors including but not limited to claims, persistency and investment assumptions. The Terminal Bonus is declared annually from the 5 th policy anniversary. The amount payable is not guaranteed and is subject to review and adjustment at the absolute discretion of the Company. The amount declared in HK dollar and US dollar policies may be different. 15.The Benefit Protector Option is available only for standard policies of PRUmyhealth with a premium payment term of 11 years or more, and is subject to our administration guidelines. The calculation of the additional premium 4 required for the increased sum assured of PRUmyhealth will be based on the Life Assured s attained age and our latest record of the Life Assured s smoking status. Additional sum assured 11 derived from the Benefit Protector Option is not applicable in calculating the current sum assured of Free 10-year crisis cover term The addition of any supplementary benefits is subject to normal underwriting procedures and additional premium payment. 17.In respect of Autism and Severe Psychiatric Illness, Advanced Claim of the Major Disease Benefit is only applicable for the Life Assured who is a Hong Kong resident and is holding valid Hong Kong identity document as at the date of diagnosis of such Major Disease Condition. If the Life Assured becomes a Hong Kong resident and obtains a valid Hong Kong identity document after the issuance of this policy, the Life Assured is eligible for Advanced Claim of the Major Disease Benefit of such Advanced Claim Disease Conditions only if he/she informs us of the change and obtains our endorsement before the date of diagnosis.
8 Important Note: (a) Your investment is subject to the credit risk of Prudential Hong Kong Limited. (b) You should not apply for the plan if you intend to surrender prior to the breakeven point of the plan. Surrender of your policy prior to the breakeven point may result in you getting back considerably less than, or none of, the amount you have paid. Please refer to the relevant sales illustration documents for details of breakeven point. Note: The life assurance plans are life insurance products underwritten by Prudential Hong Kong Limited (A member of Prudential plc group) ( Prudential ) and distributed by Standard Chartered Bank (Hong Kong) Limited ( Standard Chartered ). Some of these plans may have a savings element, in which case, part of the premium will be used to pay for the insurance and related costs. A customer who has bought the life assurance plans has a right to cancel the policy within the cooling-off period and obtain a refund of any premium(s) paid less any withdrawals. Provided that no claim has been made, the customer may cancel the policy by giving written notice to Prudential within 21 days after: (a) the delivery of the policy or (b) the issuance of a notice (informing the availability of the policy and expiry date of the cooling-off period) to the customer/his/her representative, whichever is earlier. After the cooling-off period expires, if a customer cancels the policy before the end of its policy term, the actual cash value may be substantially less than the total amount of premiums paid. Standard Chartered is an insurance agent of Prudential. As the issuer of the life assurance plans, Prudential will be responsible for all protection and claims issues. Prudential is not an associate or subsidiary company of Standard Chartered. This leaflet is not a contract of insurance and is intended to be a general summary for reference purpose only. Please refer to the policy for full terms and conditions. Standard Chartered does not accept any responsibilities regarding any statements provided by Prudential or any discrepancies or omissions in the contract of insurance nor shall Standard Chartered be held liable in any manner whatsoever in relation to your contract of insurance. This leaflet is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. Prudential and Standard Chartered do not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions. This leaflet does not constitute a contract of insurance or an offer, invitations or recommendation to any person to enter into any contract of insurance or any transaction described therein or any similar transaction. Whether to apply for insurance coverage is your own individual decision. For Prudential s life assurance plan policy provisions, details and risk disclosure please refer to relevant plan s product leaflet/offering document and specimen policy. MKTX/QB0243E-PDD(10/14) Prudential Hong Kong Limited (A member of Prudential plc group) 25/F, One Exchange Square, Central, Hong Kong General Line: Customer Service Hotline: Product Website: Corporate Website:
SUPER CARE CRITICAL ILLNESS PROTECTOR
SUPER CARE CRITICAL ILLNESS PROTECTOR At ACE Life, we are committed to helping our valued customers achieve financial security and have a peace of mind through our comprehensive range of life insurance
More informationHundred Life Insurance Plan
Hundred Life Insurance Plan Enjoy a worry-free life with life-long protection Do you want yourself and your family to enjoy a worry-free life? To prepare for a better future, you always need to have the
More informationSunHealth Critical Illness Care II With additional benefits from Multi Protection Benefit II
SunHealth Critical Illness Care II With additional benefits from Multi Protection II With comprehensive protection, life s brighter under the sun! SunHealth - Our New Total Healthcare Solution SunHealth
More informationGroup 2: Critical Illness Benefits
Group 2: Zurich s cover is designed to free yourself and your loved ones from the potentially devastating financial impact that follows diagnosis with a critical illness. 1. Level Term Life or Earlier
More informationCovers 60 major critical illnesses. Covers 11 minor critical illnesses. ManuMulti Care
It s a difficult subject to think about, but part of planning for the future is being prepared for the unexpected. Critical illness can happen to anyone, at any time. And it s an unfortunate fact, but
More informationYour health is an asset. Don t let critical illness turn it into a liability.
Your health is an asset. Don t let critical illness turn it into a liability. 100% lump sum payout for critical illness1 including early stage My Early Critical Illness Plan Be financially prepared for
More informationFrom AXA (Hong Kong)
Specialists in Wealth Management Life & Critical Illness Insurance From AXA (Hong Kong) Product Description Life Insurance: Pays out a fixed and guaranteed cash amount in the event of death Designed to
More informationWe understand that you would want multiple coverage against critical illnesses
PROTECT Enhanced We understand that you would want multiple coverage against critical illnesses PRUmultiple crisis cover Medical advancements over the years have led to better survival and recovery rates
More informationCare from the Beginning. ManuCompleteCare (I)
Care from the Beginning ManuCompleteCare (I) Benefits at a Glance: 100% 100% Lump sum payout of the basic sum insured for covered critical illnesses under the Comprehensive Critical Illness Benefit or
More informationCRITICAL CARE ADVANTAGE
Health Protection CRITICAL CARE ADVANTAGE Be covered across three stages of illness - early, intermediate and critical The chances of a full recovery from a critical illness are now much higher due to
More informationLife Goes On. Easy Defender Critical Illness Insurance Series (PMH034CE1404) Underwritten by. Appointed Insurance Agency
Life Goes On Easy Defender Critical Illness Insurance Series (PMH034CE1404) Appointed Insurance Agency Underwritten by Easy Defender Critical Illness Insurance Plan 1 Easy Defender Critical Illness Insurance
More informationEnjoy a position of vantage, come what may.
Enjoy a position of vantage, come what may. prucrisis covervantage While you have achieved much in life and you and your family enjoy the benefits of success, there may be times when the unexpected happens.
More informationAlways by your side with whole-hearted protection
(ECP 2) Always by your side with whole-hearted protection Comprehensive Critical Illness Protection for your peace of mind 61 Critical illnesses and specified illnesses protection Life Insurance Savings
More informationExtra Care Critical Illness Insurance Plan
Extra Care Critical Illness Insurance Plan 25,000 20,000 15,000 10,000 11,378 11,658 11,510 11,791 5,000 4,635 4,969 5,309 5,866 0 3,108 3,218 3,462 3,416 2001 2002 2003 2004 100 N 100 L 280 N 100 N/L
More informationWe understand you want support right from the beginning
PROTECT We understand you want support right from the beginning PRUearly stage crisis cover Should an illness strike, the earlier it is diagnosed, the easier it is to manage and the higher the chances
More informationCritical illness conditions covered
For financial adviser use Critical illness conditions covered Provider Alzheimer s Disease age 65 age 60 Aorta graft surgery for disease Benign brain tumour Blindness permanent and irreversible Cancer
More informationZ Care. Sow the seeds of a resilient future
Z Care Sow the seeds of a resilient future Secure your best chances of recovery Despite an increasing trend in the number of people diagnosed with critical illness today, more are surviving it. Studies
More informationTerm Assurance INVESTMENTS PENSIONS PROTECTION
Term Assurance About Canada Life Established in 1903, the Canada Life Group has grown to be a modern and dynamic international financial services business. We are part of Great-West Life, one of the world
More informationWhen it s hard to get the help you need, we ll make it easy.
PROTECTION AIA PRIME CRITICAL COVER When it s hard to get the help you need, we ll make it easy. AIA Prime Critical Cover gives you easy access to critical illness protection with coverage up to age 100.
More informationAlways by your side with constant protection
MULTIPLE CARE PRO 2 (MCP 2) Always by your side with constant protection Multiple Critical Illness Claims up to 5 times compensation 61 Critical illnesses and specified illnesses protection Life Insurance
More informationtraditional life healthvital major illness insurance
traditional life healthvital major illness insurance 3 combinations of major illness coverages to suit your needs Major Illness Insurance ( or basic plan ) and its 2 supplements bring you an extensive
More informationEarly Critical Care. confident
Early Critical Care confident It is important to detect a critical illness early, that is when you have the best chance of a recovery. Medical and technological advancement has now made it possible to
More informationMaintain your lifestyle even when the unexpected happens
AIA SECURE CRITICAL COVER PROTECTION Maintain your lifestyle even when the unexpected happens Lessen your financial burden with affordable Critical Illness coverage. aia.com.sg Cancer is the No.1 killer
More informationCritical illness is best dealt with early
PRIME CARE PRO PROTECTION Critical illness is best dealt with early 93 Critical Illnesses and specified illnesses protection Life Insurance Savings Comprehensive and unique protection for Early Stage Critical
More informationAsteron Life Business Insurance
Asteron Life Business Insurance What lump sum covers are available with Asteron Life Business Insurance? Life Cover Life Cover pays a lump sum of money if you pass away or become terminally ill. Total
More informationCrisis Defender & Early Crisis Protector
Crisis Defender & Early Crisis Protector MEDICAL Shield yourself with Prudential's comprehensive critical illnesses coverage! It s now a comprehensive crisis coverage with Crisis Defender & Early Crisis
More informationAsteron Life Personal Insurance
Asteron Life Personal Insurance What lump sum covers are available with Asteron Life Personal Insurance? Life Cover Life Cover insurance pays a lump sum of money if you pass away or become terminally ill.
More informationPolicy Summary of Friends Life Individual Protection Critical Illness with Life Cover
Policy Summary of Friends Life Individual Protection Critical Illness with Life Cover FLIP/4569/Mar15 This policy summary gives you important information about the Friends Life Individual Protection Critical
More informationPolicy Summary of Friends Life Individual Protection Critical Illness with Life Cover
Policy Summary of Friends Life Individual Protection Critical Illness with Life Cover FLIP/4569/Mar15 This policy summary gives you important information about the Friends Life Individual Protection Critical
More informationCritical Illness with Term Assurance
AIG Life Critical Illness with Term Assurance Our comprehensive Critical Illness with Term Assurance delivers more value and quality to the customer and their family than ever before. It is designed to
More informationREAL Trauma Cover. What is it?
PROTECTION PERSONAL REAL Trauma Cover What is it? REAL Trauma Cover pays you a lump sum of up to $2 million if you suffer any of the 43 critical illnesses specified in the policy, such as cancer, heart
More informationProduct Disclosure Statement Version 11, Issued 21 May 2012. Life s better with the right partner AIA.COM.AU. Priority Protection
Priority Protection Product Disclosure Statement Version 11, Issued 21 May 2012 Life s better with the right partner AIA.COM.AU Who issues Priority Protection? This Product Disclosure Statement ( PDS )
More informationAA Critical Illness with Life Cover Policy Summary
AA Critical Illness with Life Cover Policy Summary The Financial Services Authority is the independent financial services regulator. It requires us, Friends Life and Pensions Limited, to give you important
More informationCritical Care. Providing comfort whatever happens
Critical Care Providing comfort whatever happens Critical Care Providing comfort whatever happens With rapid advances in medical research and treatments, the chances of surviving a serious medical condition
More informationFor customers Friends Life Individual Protection. Childcover benefit
For customers Friends Life Individual Protection Childcover benefit Helping to protect the whole family Most parents don t want to think about what would happen if their child became critically ill. However,
More informationCritical Illness Protection Rider Product Overview
Critical Illness Protection Rider Product Overview Whether it s a young family with a mortgage to pay and other financial commitments, or a couple who is close to retirement and who want to protect their
More informationSun Critical Illness Insurance
Sun Critical Illness Insurance PRODUCT FEATURE SHEET CRITICAL ILLNESS INSURANCE gives you a lump sum payment if you are diagnosed with and survive an illness covered by your plan. Having this extra measure
More informationLife Living Assurance Customer guide LIVING ASSURANCE. TotalCareMax Customer guide. Life. Take charge. sovereign.co.nz
Life Living Assurance Customer guide LIVING ASSURANCE TotalCareMax Customer guide Life. Take charge. sovereign.co.nz WHAT IS LIVING ASSURANCE? Living Assurance provides you and your family with peace of
More informationThis is what he does to pay for his father s cancer
PROTECTION AIA COMPLETE CRITICAL COVER This is what he does to pay for his father s cancer Your loved ones suffer too when critical illness strikes you. aia.com.sg 01 PROTECTION AIA COMPLETE CRITICAL COVER
More informationWhen it s hard to get the help you need, we ll make it easy.
PROTECTION AIA PRIME CRITICAL COVER When it s hard to get the help you need, we ll make it easy. AIA Prime Critical Cover gives you easy access to critical illness protection with coverage up to age 100.
More information1. This Notice is issued pursuant to section 64(2) of the Insurance Act (Cap. 142) ( the Act ).
Notice No: MAS 321 Issue Date: 30 March 2015 NOTICE TO LIFE INSURERS INSURANCE ACT, CAP 142 DIRECT PURCHASE INSURANCE PRODUCTS Introduction 1. This Notice is issued pursuant to section 64(2) of the Insurance
More informationZurich Life Risk Trauma cover
Product Summary Issued 21 December 2015 Zurich Life Risk Trauma cover Adviser use only Trauma insurance provides a lump sum payment on diagnosis or occurrence of a covered trauma. This is a summary only
More informationuniversal life wealth planner
universal life wealth planner 1 3 4 5 6 7 9 10 Your success and prestigious status can be demonstrated not only by possessing great fortune but also by wisely protecting, growing and passing on your
More informationCritical Illness Insurance. Second Chance for Children 30 days to 17 years
Critical Illness Insurance Second Chance for Children 30 days to 17 years Second Chance for Children Protect your children in case of critical illness so you can afford to stay by their bedside If one
More informationCritical illness. Don't wait to discover what life. has in store. Plan now for your future. and for that of those you love. For you and your children
Peace of mind today and tomorrow Don't wait to discover what life has in store. Plan now for your future and for that of those you love For you and your children CRITICAL ILLNESS This coverage is invaluable
More informationIKHLASlink Comprehensive Critical Illness Benefit Secure Takaful Rider
IKHLASlink Comprehensive Critical Illness Benefit Secure Takaful Rider 1. IKHLASlink Comprehensive Critical Illness Benefit Secure Takaful Rider Securing life uncertainties. With IKHLASlink Comprehensive
More informationINSURANCE World of Protection Upgrade Announcement
INSURANCE World of Protection Upgrade Announcement Leading Life Leading Life in OnePath MasterFund Recovery Cash Stand Alone Recovery Income Safe Plus Income Cover Income Safe Business Expenses Plan July
More informationnow can protect their future
Life SmartLife your decisions now can protect their future they re in good hands life we re in it together hello Asteron is one of Australia and New Zealand s largest financial services providers with
More informationRetirement Insurance. PRUmyretirement RMB annuity income plan
Retirement Insurance PRUmyretirement RMB annuity income plan Important notes This product is a life insurance plan and is not a bank deposit. It is underwritten by Prudential Hong Kong Limited (A member
More informationAsteron Life Personal Insurance
Asteron Life Personal Insurance Policy Document How to contact us If you need to make a claim Call us on 0800 737 101 Email us at claims@asteronlife.co.nz Fax us on 0800 808 144 or 04 495 8851 Write to
More informationProtecting you and your world. Mortgage Protection. With Serious Illness Cover
Protecting you and your world Mortgage Protection With Serious Illness Cover Serious Illness Cover for your Mortgage from Caledonian Life Caledonian Life s Mortgage Protection policy offers you a cost-effective
More informationOverview. Business Protection Plan. Safeguard the future of your business.
Overview Business Protection Plan Safeguard the future of your business. When a business loses its sole trader, a key employee, an owner or a business partner, the consequences can be dramatic. Profits
More informationLifeProtect. Serious illness cover. Protecting YOU FROM THE BIGGEST RISKS YOU LL FACE
LifeProtect Serious illness cover Protecting YOU FROM THE BIGGEST RISKS YOU LL FACE Important Note - Please read Zurich s Serious Illness Cover is subject to terms and conditions which are contained in
More informationPERMANENT DISABILITY TOTAL AND COMPREHENSIVE CRITICAL ILLNESSES. PruBSN Employee Benefit & SUPPORT FINANCIAL ASSISTANCE INCOME REPLACEMENT
PruBSN Employee Benefit YOUR COMMITMENT, THEIR WELL-BEING INCOME REPLACEMENT COMPREHENSIVE CORPORATE PACKAGE ACCIDENT COVERAGE CRITICAL ILLNESSES LIFE COVERAGE FINANCIAL ASSISTANCE & SUPPORT TOTAL AND
More informationTaking care of tomorrow
Friends Life Protection Account Critical Illness Cover Guide Taking care of tomorrow Critical Illness Cover Taking care of tomorrow Friends Life Critical Illness Cover is here for you through whichever
More informationConsumers Can Now Compare Life Insurance Products Online and Buy Them Without Commissions
10 Shenton Way MAS Building Singapore 079117 Telephone : (65) 6225-5577 FOR IMMEDIATE RELEASE Consumers Can Now Compare Life Insurance Products Online and Buy Them Without Commissions Singapore, 31 March
More informationBUYING LIFE INSURANCE PRODUCTS DIRECTLY FROM INSURANCE COMPANIES WITHOUT COMMISSIONS
BUYING LIFE INSURANCE PRODUCTS DIRECTLY FROM INSURANCE COMPANIES WITHOUT COMMISSIONS Singapore, 30 July 2014 The Monetary Authority of Singapore (MAS) announced today the features of life insurance products
More informationLife Protection Quotation
Life Protection Quotation Prepared For: Date: 03/06/2013 Life Type: Single Life Quote Type: Specified Illness Cover Only QUOTATION DETAILS Male, 43 (01/Jan/1970), Non-Smoker, Specified Illness 124000 Monthly
More informationSUPPLEMENTARY NOTES. Personal General Insurance (4 th Edition) Date Of Issue: 1 October 2014
SUPPLEMENTARY NOTES Personal General Insurance (4 th Edition) Date Of Issue: 1 October 2014 The following amendments have NOT been incorporated in the Study Guide. They should be marked up in the Study
More informationFor customers Friends Life Individual Protection Critical Illness Cover. Critical Illness Cover. It s critical illness. And more.
For customers Friends Life Individual Protection Critical Illness Cover Critical Illness Cover It s critical illness. And more. It s critical illness. And 2 it s designed with your needs in mind. it covers
More informationLifetime Protection Plan from Standard Life Protecting you and your family
Lifetime Protection Plan from Standard Life Protecting you and your family Remember when you thought you were invincible 1 of 33 2 of 33 When was the last time you felt invincible? Contents The need for
More informationFor customers Friends Life Individual Protection Critical Illness Cover. Critical Illness Cover. It s critical illness. And more.
For customers Friends Life Individual Protection Critical Illness Cover Critical Illness Cover It s critical illness. And more. It s critical illness. And 2 it s designed with your needs in mind. it covers
More informationLIFE BOLD SIMPLE DIFFERENT. A personal approach to life cover LIFE
LIFE SIMPLE BOLD DIFFERENT A personal approach to life cover LIFE ALEXANDER FORBES LIFE Protecting your wealth to secure your financial well-being Flexible, to change as often as life does. You can change
More informationFutureWise Product Disclosure Statement. Macquarie Life
FutureWise Product Disclosure Statement Macquarie Life Product Disclosure Statement issued jointly by: Macquarie Life Limited ABN 56 003 963 773 AFSL 237 497 and Macquarie Investment Management Limited
More informationWe have made the following changes to the Critical Illness events covered under our group critical illness policy.
We have made the following changes to the Critical Illness events covered under our group critical illness policy. March 2015 Because everyone needs a back-up plan 7 New critical illness events added to
More informationKey Features of Term Assurance with Critical Illness
Key Features of Term Assurance with Critical Illness Key Features of Term Assurance with Critical Illness The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give
More informationKey facts of AA Life Insurance with Critical Illness Cover
Key facts of AA Life Insurance with Critical Illness Cover The Financial Services Authority is the independent financial services regulator. It requires us, Friends Life Limited, to give you important
More informationKey features of Skandia Protect
Key features of Skandia Protect Flexible life and critical illness cover The Financial Conduct Authority is a financial services regulator. It requires us, Skandia, to give you this important information
More informationCritical Illness Insurance. Second Chance for Children 30 days to 17 years
Critical Illness Insurance Second Chance for Children 30 days to 17 years Second Chance for Children Protect your children in case of critical illness so you can afford to stay by their bedside If one
More informationSimply Smarter Life Insurance. Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement
Simply Smarter Life Insurance Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement Budget Direct Life Insurance and Budget Direct Accidental Death Insurance
More informationTHE MARKET AT A GLANCE.
1 BUSINESS PROTECTION SETTING UP BUSINESS PROTECTION POLICIES CRITICAL ILLNESS COVER COMPETITOR COMPARISON THE MARKET AT A GLANCE. We believe our Critical Illness Cover offers a competitive alternative
More informationChild LifeAdvance. Critical illness insurance for children
Child LifeAdvance Critical illness insurance for children You may not want to even think about the possibility of your child becoming critically ill, but what if it does happen? Would you want financial
More informationINSURANCE. Agribusiness Extra
INSURANCE Agribusiness Extra Agribusiness Extra provides insurance cover specifically designed to protect the unique needs of those who work in the agricultural sector. It aims to protect the financial
More informationYour Policy Conditions
Provided by Friends Life Life Insurance Your Policy Conditions Key features of Tesco Bank Life and Critical Illness Insurance Inside you ll find full details about Tesco Life Insurance. Key features of
More informationCRACKING GOOD COVER. Protection Personal Menu. royallondon.com
CRACKING GOOD COVER Protection Personal Menu royallondon.com WHAT S INSIDE A summary of our protection covers 4 Cover for you, your partner or both of you 5 Life Cover 6 Critical Illness Cover 7 The full
More informationCRISIS COVER CLAIM FORM (DEAFNESS/ PARTIAL LOSS OF HEARING OR CAVERNOUS SINUS THROMBOSIS SURGERY/ COCHLEAR IMPLANT SURGERY) SECTION
Reg. No 199002477Z CRISIS COVER CLAIM FORM (DEAFNESS/ PARTIAL LOSS OF HEARING OR CAVERNOUS SINUS THROMBOSIS SURGERY/ COCHLEAR IMPLANT SURGERY) SECTION 1 This section is to be completed by the Life Assured
More informationLevel, Renewable and Family Income Protection Key Features
Level, Renewable and Family Income Protection Key Features Lifetime Protection from Standard Life This is an important document. Please read it and keep for future reference. The Financial Conduct Authority
More informationYour critical illness protection plan
Your critical illness protection plan It could happen to you It is estimated there are over 70,000 heart attacks in Canada each year. There are between 40,000-50,000 strokes in Canada each year. An estimated
More informationProtecting your future MLC Life Cover Super MLC Personal Protection Portfolio
Protecting your future MLC Life Cover Super MLC Personal Protection Portfolio Product Disclosure Statement Life Cover Total & Permanent Disability Critical Illness Income Protection Business Expenses Premium
More informationZurich Life Risk Zurich Protection Plus
Product Summary Issued 1 March 2015 Zurich Life Risk Zurich Protection Plus Adviser use only Zurich Protection Plus is a flexible package which allows you to choose any combination of Death cover, TPD
More informationKey Features of Mortgage Life Insurance
Key Features of Mortgage Life Insurance Improvements to our critical illness cover We are pleased to tell you that we ve added to our critical illness cover. The plan now includes improved critical illness
More informationCritical Illness with Term Assurance
AIG Life Critical Illness with Term Assurance Our comprehensive Critical Illness with Term Assurance delivers more value and quality to the customer and their family than ever before. It is designed to
More informationProfessional Wealth LIFE
Whole Life Dread Disease Benefit Professional Wealth LIFE ALEXANDER FORBES The Whole Life Dread Disease Benefit The Whole Life Dread Disease Benefit will provide a lump sum payment if you are diagnosed
More informationKey Features of Mortgage Life Insurance
Key Features of Mortgage Life Insurance Key Features of Mortgage Life Insurance The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give you this important information
More informationI want all-round protection against critical illnesses
critical illness protection I want all-round protection against critical illnesses healthelite critical illness insurance Getting sick isn t something we like to think about, but unfortunately it happens.
More informationvital link Critical Illness Insurance It s about living your life Your guide to Critical Illness Insurance
vital link Critical Illness Insurance It s about living your life Your guide to Critical Illness Insurance You really feel like you re on the right track. Your life seems to be going just as you planned.
More informationYour Policy Conditions
Provided by Friends Life Life Insurance Your Policy Conditions Key features of Tesco Bank Life and Critical Illness Insurance Inside you ll find full details about Tesco Life Insurance. Key features of
More informationProtect. Flexible life and critical illness cover
Key features of Protect Flexible life and critical illness cover The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth, to give you this important information
More informationAccelerated Protection. Do I need Critical Illness insurance?
Accelerated Protection Do I need Critical Illness insurance? Are you prepared? It s a fact of life that we all get sick, and sometimes seriously. The cost of recovery from an illness like cancer or heart
More informationKey Features of Mortgage Life Insurance
Key Features of Mortgage Life Insurance Key Features of Mortgage Life Insurance The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give you this important information
More informationSymbility Health Adjudicare Group Insurance Plan Outline
Symbility Health Adjudicare Group Insurance Plan Outline 2013 Symbility Solutions Inc. Who is Eligible? All Eligible Employees under the age of 65, working a minimum average of 15 hours per week are Eligible
More informationWhy CI? Critical Illness Protection from Transamerica for a Broader Spectrum of Coverage
Why CI? Critical Illness Protection from Transamerica for a Broader Spectrum of Coverage What is Critical Illness Protection? Critical Illness Protection is a form of insurance that provides you with a
More informationInsurance from MLC. Making your insurance even better. MLC Life Cover Super and MLC Personal Protection Portfolio
Insurance from MLC Making your insurance even better MLC Life Cover Super and MLC Personal Protection Portfolio Effective from: 17 October 2011 Making sure you re well protected We regularly review our
More informationPOLICY DOCUMENT. Protect what matters. It s life. Accelerated Protection for Investment Platforms.
POLICY DOCUMENT Protect what matters. It s life. Accelerated Protection for Investment Platforms. Policy Document 12 December 2014 Contents 1 About the Policy 2 2 Information applicable to Life, Critical
More informationCritical Illness. Policy Summary
Critical Illness Policy Summary This summary gives you an overview of our Critical Illness product. For full details, including all the terms and conditions, please read the LV= Critical Illness Policy
More informationCombined Life & Critical Illness Protection Reviewable Premiums. Policy Summary
Combined Life & Critical Illness Protection Reviewable Premiums Policy Summary This summary gives you an overview of our Combined Life & Critical Illness Protection product. For full details, including
More informationLife Insurance Accelerated Protection Policy Document 24 October 2011
Life Insurance Accelerated Protection Policy Document 24 October 2011 TAL Life Limited ABN 70 050 109 450 AFSL 237 848 TAL Superannuation Limited ABN 69 003 059 407 AFSL 237 851 TAL Superannuation and
More informationSIMPLY THE ESSENTIALS
PERSONAL INSURANCE SIMPLY THE ESSENTIALS TotalCareMax Essential Disability Income Protection SOMETHING TO THINK ABOUT While your health may suffer a setback, your finances and lifestyle shouldn t have
More informationProgressive Care Insurance for life A NEW TYPE OF INSURANCE
Progressive Care Insurance for life A NEW TYPE OF INSURANCE New Progressive Care from Sovereign Progressive Care is a type of insurance that is new to New Zealand. It s not a traditional all-or-nothing
More informationCombined Life & Critical Illness Protection Guaranteed Premiums. Policy Summary
Combined Life & Critical Illness Protection Guaranteed Premiums Policy Summary Combined Life & Critical Illness Protection Guaranteed Premiums Policy Summary In this summary, we try to help you by giving
More information