PRODUCT PURPOSE BENEFIT. Death Benefit or Total Permanent Disability Benefit

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1 PRODUCT PURPOSE A whole life critical illness insurance, protecting until 99 years old which is suitable for all ages A financial support against 15 most common Critical Illness. Especially waiver all future premium if customers unfortunately suffer Critical Illness during PPP An attractive amount at Paying period maturity to meet short-term saving plan BENEFIT Death Benefit or Total Permanent Disability Benefit During : 200% Sum Assured After : 100% Sum Assured Long-life Benefit 100% Sum Assured Critical Illness Benefit Paying Period Maturity Benefit Pre-paid Benefit Interest Feedback Benefit 100% Sum Assured + Waive of future premiums 100% Sum Assured When LA is diagnosed that his/her heath is in Final Period: 50% of the nearest Death benefit It will be calculated at the end of every policy year during premium paying period. Formula: ( Ut Ut 1) 2*( ADR IR) U t ADR IR : Cash Value at the end of year t : 12 month Average Declared Interest Rate : Insurance Interest Rate *This content is for reference only. Please see the Term & Conditions for more details 1 / 10

2 PRODUCT HIGHLIGHT Product Name Product Code Age Policy Term English Name : Cathay Critical Illness 211 Vietnamese Name : Bảo hiểm bệnh hiểm nghèo trọn đời Marketing Name : Thịnh Vượng An Tâm Toàn Diện C15 Policy Owner : Minimum 18 years old Insured Minimum : 0 year old Maximum : 65 years old 10 years or 20 years Until the Insured attains 99 years old Pricing Rate 5.5% Payment Mode Premium Limitation Sum Assured Limitation Riders Substandard Yearly, Semi-Yearly, Quarterly, Monthly Minimum 300,000VND for each payment (include basic plan and riders) Minimum : 30 million VND Maximum : Age 14 : 400 million VND Age 15 : 1.25 billion VND All riders *Depend on the Rider Stipulation No substandard allowed *This content is for reference only. Please see the Term & Conditions for more details 2 / 10

3 PRODUCT HIGHLIGHT Note Insurable occupation class: 1 ~ 3 If there is payment for Critical Illness Benefit before, the policy cannot apply for Pre-paid Benefit; and otherwise. Death Benefit or Total and Permanent Disability Benefit will minus Critical Illness Benefit or Pre-paid Benefit (if paid) Long-life Benefit will minus Pre-paid Benefit (if paid) When Death benefit / TPD benefit or Long-life Benefit is paid, policy will be terminated. The total payout is 200% Sum Assured in all cases and the policy is terminated When choosing monthly payment method, the customers have to pay 2 month premiums for the first time. When the Policy Owner changes this policy into a reduced paid-up insurance, all articles relating to Pre-Paid Benefit, Interest Feedback and the Waiving premium shall not be applied ILLUSTRATION Mr., 30 years old, purchased Cathay Critical Illness 211 with Sum Assured of 100,000,000 VND, is 20 years, he chosed to pay premium annually. The policy information is illustrated as below: - Policy Term : 69 years - : 20 years - Annual Premium : 6,100,000 VND The benefits during Policy Term as following: *This content is for reference only. Please see the Term & Conditions for more details 3 / 10

4 Benefit Amount Unit: VND Death Benefit or Total Permanent Disability Benefit During PPP : 200,000,000 After PPP : 100,000,000 Note: will minus Critical Illness Benefit or Pre-paid Benefit (if paid) Long-life Benefit Critical Illness Benefit 100,000,000 Note: will minus Pre-paid Benefit (if paid) During PPP : 100,000,000 and waive all future premiums After PPP : 100,000,000 and Policy is terminated Paying Period Maturity Benefit 100,000,000 Pre-paid Benefit Interest Feedback During PPP : 100,000,000 After PPP : 50,000,000 Will be calculated at the end of each year during PPP. Actual declared interest rate is noticed through customer service center or company s website *This content is for reference only. Please see the Term & Conditions for more details 4 / 10

5 Paying Period Maturity Benefit and Long-life Benefit Illustration: When the policy is effective, Mr. is alive without total permanent disability, critical illness or pre-paid during years, at the end of the Premium Payment Period, the Company will pay the Paying Period Maturity Benefit equal to 100,000,000 VND. At Maturity Date, the Company will pay the Long-life Benefit equal to 100,000,000 VND if Mr. is still alive. When the Long-life Benefit is paid, the policy is then terminated. Policy Year 1 st 20 th 69 th Maturity And the policy is terminated. Total Paying Period Maturity and Long-life Benefit: 200,000,000 VND Critical Illness Benefit Illustration: Case 1: Critical Illness occurs during the When the policy is effective, Mr. gets the Critical Illness during. For example, the insured event occurs at 5 th Policy Year. The Company will pay the Critical Illness Benefit equal to 100,000,000 VND and waive all future premiums. The policy is still effective but cannot apply for Pre-paid Benefit. If Mr. continues to live through Maturity; the Company will pay 100,000,000 VND as the Paying Period Maturity Benefit. The total benefit limitation is 200,000,000 VND, so after the Paying Period Maturity Benefit is paid, the policy is then terminated. *This content is for reference only. Please see the Term & Conditions for more details 5 / 10

6 Waive premiums 5 th Policy Year 1 st 20 th CI Pay 100,000,000 VND And the policy is terminated. If Mr. unfortunately dies or gets total and permanent disability; the Company will pay 100,000,000 VND as the Death Benefit or Total and Permanent Disability Benefit The total benefit limitation is 200,000,000 VND, so after the Death Benefit or Total and Permanent Disability Benefit is paid, the policy is then terminated Waive premiums 5 th Policy Year 1 st 20 th CI Pay 100,000,000 VND Death And the policy is terminated. Case 2: Critical Illness occurs after the At Maturity, the Company already paid the Paying Period Maturity Benefit equal to 100,000,000 VND. When the policy is effective, Mr. gets the Critical Illness after Premium Payment Period. For example, the insured event occurs at 25 th Policy Year. The Company will pay the Critical Illness Benefit equal to 100,000,000 VND. The total benefit limitation is 200,000,000 VND, so after the Critical Illness Benefit is paid, the policy is then terminated. *This content is for reference only. Please see the Term & Conditions for more details 6 / 10

7 Policy Year 1 st 20 th 25 th CI And the policy is terminated Death Benefit or Total Permanent Disability Benefit Illustration Case 1: The insured event occurs during the When the policy is effective, Mr. dies or gets total permanent disability during the. For example, the insured event occurs at 10 th Policy Year. The total benefit limitation is 200,000,000 VND, so if there is no payment for Critical Illness Benefit and Pre-paid Benefit before, the Company will pay the Death Benefit or Total Permanent Disability Benefit equal to 200,000,000 VND. The policy is then terminated. 10 th Death Policy Year 1 st Pay 200,000,000 VND And the policy is terminated *This content is for reference only. Please see the Term & Conditions for more details 7 / 10

8 Case 2: The insured event occurs after the At Maturity, the Company already paid the Paying Period Maturity Benefit equal to 100,000,000 VND. When the policy is effective, Mr. dies or gets total permanent disability after the. For example, the insured event occurs at 30 th Policy Year. The total benefit limitation is 200,000,000 VND; so the Company will pay the Death Benefit or Total Permanent Disability Benefit equal to 100,000,000 VND. The policy is then terminated. Death Policy Year 1 st 20 th 30 th Pay 100,000,000 VND And the policy is terminated Pre-paid Benefit Illustration Case 1: The insured event occurs during the When the policy is effective, during the, Mr. Tran Van T diagnosed that his health is in the Final Period. For example, the insured event occurs at 10 th Policy Year. The Company will pay 50% of nearest Death Benefit, as the Pre-paid Benefit, equal to 100,000,000 VND. The policy is still effective but cannot apply for Critical Illness Benefit. If later Mr. dies. For example, the insured event occurs at 11 th Policy Year, the Company will pay the remained Death Benefit after minus the Pre-paid Benefit equal to 100,000,000 VND. The total benefit limitation is 200,000,000 VND, so after the remained Death Benefit is paid, the policy is then terminated. *This content is for reference only. Please see the Term & Conditions for more details 8 / 10

9 Policy Year 1 st 10 th Diagnosed Pre-paid 100,000,000 VND 11 th Death And the policy is terminated Case 2: The insured event occurs after the At Maturity, the Company already paid the Paying Period Maturity Benefit equal to 100,000,000 VND. When the policy is effective, after the, Mr. diagnosed that his health is in the Final Period. For example, the insured event occurs at 30 th Policy Year The Company will pay 50% of nearest Death Benefit, as the Pre-paid Benefit, equal to 50,000,000 VND. The policy is still effective but cannot apply for Critical Illness Benefit. If later Mr. dies. For example, the insured event occurs at 31 st Policy Year, the Company will pay the remained Death Benefit after minus the Pre-paid Benefit equal to 50,000,000 VND. The total benefit limitation is 200,000,000 VND, so after the remained Death Benefit is paid, the policy is then terminated Policy Year 1 st 20 th 30 th Diagnosed 31 st Death Pay 100,000,000 VND Pre-paid 50,000,000 VND Pay 50,000,000 VND The policy is terminated *This content is for reference only. Please see the Term & Conditions for more details 9 / 10

10 OTHER INFORMATION List of 15 Critical Illness 1. Heart attack 9. Surgery to Aorta 2. Coronary Artery Bypass Surgery 10. Parkinson s Disease 3. Stroke 11. Major Burns 4. Renal Failure 12. Benign Brain Tumor 5. Cancer 13. Aplastic Anaemia 6. Paralysis 14. Poliomyelitis 7. Major Organ Transplant 15. Major Head Trauma 8. Heart Valve Replacement Surgery *This content is for reference only. Please see the Term & Conditions for more details 10 / 10

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