Real Lady Female Insurance Plan

Transcription

1 Real Lady Female Insurance Plan Comprehensive Protection for the Real Lady BOCG Life's "Real Lady" Female Insurance Plan provides you life protection, dread disease benefit and female illness benefit. You can enjoy your life at different stages without worry. Lifetime Protection You can enjoy the whole life insurance protection by paying 25 years premiums, such shorter premium period lets you stay worry free afterward. During the premium payment period, you can also enjoy a free Waiver of Premium Benefit^, which waives the basic premium if the insured becomes totally disabled in the event of accident or illness and is totally disabled for not less than 183 consecutive days before the insured's age reaches 60. ^ Only offer to the insured who fulfills the underwriting criteria set in the waiver of premium occupational class 1 to 2. Dread Disease Benefit "Real Lady" provides you with an extensive coverage for up to 38 dread diseases. If the insured is unfortunately diagnosed with any of the covered dread diseases, an amount equal to 50% of the basic sum insured will be advanced to the Insured. 1. Alzheimer's Disease 2. Aplastic Anaemia 3. Bacterial Meningitis 4. Benign Brain Tumour 5. Blindness 6. Cancer 7. Chronic Liver Disease 8. Coma 9. Coronary Artery Bypass Surgery 10. Deafness 11. Encephalitis 12. End Stage Lung Disease 13. Fulminant Viral Hepatitis 14. Heart Attack 15. Heart Valve Replacement 16. Kidney Failure 17. Loss of Speech 18. Loss of Two Limbs 19. Major Burns 21. Motor Neurone Disease 22. Multiple Sclerosis 23. Muscular Dystrophy 24. Paralysis 25. Parkinson's Disease 26. Poliomyelitis 27. Pulmonary Hypertension (Primary or Secondary) 28. Stroke 29. Surgery To Aorta 30. Terminal Illness 31. AIDS due to Blood Transfusion 32. Inability to Perform Activities of Daily Living (ADL) 33. Apallic Syndrome 34. Cardiomyopathy 35. Major Head Trauma 36. Dissection Aortic Aneurysm 37. Eisenmenger's Disease 38. Elephantiasis 20. Major Organ Transplantation

2 Upon payment of this benefit, the basic sum insured will be adjusted to 50%, basic premium and guaranteed cash value, guaranteed cash coupons and Maternity Benefit will also be reduced accordingly. Moreover, the benefit payable for Female Illness Benefit, Accidental Cosmetic Surgery Benefit, Complication of Pregnancy Benefit, Congenital Anomalies Benefit will also be adjusted accordingly. Notwithstanding that the insured may suffer from more than one dread disease, this benefit will only be paid once. This benefit will be terminated automatically upon any benefit is payable. Comprehensive Female Protection BOCG Life does understand the special needs of the modern lady like you, this plan is designed to provide you with a wide range of female protections: Female Illness Benefit covering six types of Female Carcinoma-in-situ, Systemic Lupus Erythematosus (S.L.E.), Hysterectomy and Dilatation & Curettage Accidental Cosmetic Surgery Benefit for your appearance protection Complication of Pregnancy Benefit for maternity protection Congenital Anomalies Benefit for your newborn baby protection Each benefit is payable up to of the basic sum insured subject to a maximum of HK$240,000. The basic sum insured will not be affected even after any benefit is payable. Maternity Benefit To share the joy of the birth of your children, you can enjoy Maternal Hospital Cash, and your newborn baby will receive New Born Baby Benefit. Free Medical Check-up For the sake of your health, you are entitled to a free medical check-up including basic body check-up, breast, pelvis and cervical Pap Smear examinations after the second policy anniversary and every 3 years thereafter until the age of 65. Cash Coupon and Annual Dividend You will receive the guaranteed cash coupons equal to 10% and 12% of the basic sum insured at the 9th and 18th policy anniversary respectively. Moreover, you may receive the annual cash dividends* as extra rewards during the coverage period. * The dividend accruing on the first Policy Anniversary will be credited only after the full second policy year's premium has been paid. Cash dividend is not guaranteed. Free Worldwide Emergency Assistance Services This plan provides a free 24-hour Worldwide Emergency Assistance Services #. You can gain free and unlimited access to travel information, emergency medical assistance and referral services, and any more while traveling outside Hong Kong or Country of Residence. # The services and benefits are provided by Inter Partner Assistance HK Ltd in accordance with the "Supplementary Emergency Assistance Services and Benefits." BOCG LIFE reserves the right to cancel or alter the said services and benefits.

3 Supplementary Benefits The following optional benefit riders are available to enhance your protection: Term Rider Accidental Death Rider Accidental Death and Dismemberment Rider Hospital and Surgical Rider Waiver of Rider Premium Benefit** ** For the insured who is already offered the free "Waiver of Premium Benefit" under the basic plan can also enroll the "Waiver of Rider Premium Benefit" for the supplementary benefits. Basic Eligibility Requirements: Issue Age Aged 18 to aged 60 Minimum Sum Insured Premium Payment Period HK$160, years "Real Lady" Female Insurance Plan Benefit Table Covered Items Coverage Benefits Amount (% of the Basic Sum Insured) Coverage Period (Until the insured's age) Life Protection Death Benefit 100% 100 Waiver of Premium Benefit - 60 Dread Disease Benefit 38 Dread Diseases 1 50% 100 Carcinoma-in-situ (Breast, Cervix Uteri, Uterus, Ovary, Fallopian Tube, Vagina) Female Illness Benefit 2 Systemic Lupus Erythematosus (S.L.E.) 100 Hysterectomy 15% Dilatation & Curettage 5% Accidental Cosmetic Surgery Benefit 2 Major Plastic Surgery due to accidental injury (Benefit is on a reimbursement basis subject to a maximum of HK$240,000 or of basic sum insured, whichever is less) 100 Complication of Pregnancy Benefit 2 Disseminated Intravascular Coagulation Postpartum Psychosis 45 Ectopic Pregnancy 10% Hydatidiform Mole

4 Still Birth Down's Syndrome Spina Bifida Tetralogy of Fallot Tracheoesophageal Fistula & Oesophageal Atresia Congenital Anomalies Benefit 2 Neonatal Death Hydrocephalus Congenital Dislocation of the Hip 45 Muscular Dystrophy Ano-Rectal Atresia 10% Patent Ductus Arteriosus Cerebral Palsy Maternity Benefit 3 Maternal Hospital Cash (per day, each claim is subject to a maximum of 5 days) New Born Baby Benefit (for each baby born, no limit on the number of delivery) 0.1% 1% 100 Medical Check-up A free medical check-up after the second policy anniversary and every 3 years thereafter - 65 Cash Value and Dividend Guaranteed Cash Value, Guaranteed Cash Coupon and Annual Dividend Assistance Services Free 24-hour Worldwide Emergency Assistance Services Remarks: 1. The coverage of "Inability to Perform Activities of Daily Living (ADL)" covered in Dread Disease Benefit will last until the Insured's age of 65, the coverage period of the other 37 dread diseases will last until the Insured's age of These four benefits are payable subject to a maximum of HK$240,000. There is only one claim under each of these four benefits (regardless of the amount payable reaches of the basic sum insured or not). The basic sum insured will not be reduced after any claim settlement for those benefits. 3. The insured can claim these benefits only after the first policy anniversary. 4. The dividend accruing on the first policy anniversary will be credited only after the full second policy year's premium has been paid. Cash dividend is not guaranteed. 5. The services and benefits are provided by Inter Partner Assistance HK Ltd in accordance with the "Supplementary Emergency Assistance Services and Benefits." BOC Group Life Assurance Company Limited ("BOCG Life") reserves the right to cancel or alter the said services and benefits. Important Notes: Real Lady Female Insurance Plan ("the Plan") is underwritten by BOCG Life.

5 The Plan is a participating policy. Nevertheless, annual dividends, accumulated dividends and dividend accumulation rate are neither guaranteed nor estimated values for future years. BOCG Life reserves the right to change from time to time. BOCG Life reserves the right to accept or decline any application for the Plan based on the information provided by the insured and applicant at the time of application. Chiyu Banking Corporation Limited is one of the insurance agents of BOCG Life. The above material is for reference only and is intended to be distributed in Hong Kong only. It shall not be construed as an offer to sell or solicitation to buy or provision of any products of BOCG Life outside Hong Kong. Please refer to the policy provisions issued by BOCG Life for details of the Plan.