全為您 危疾保障計劃 現今醫療技術日新月異, 很多危疾只要及早發現, 都能治癒 例如早期發現的乳癌及前列腺癌, 治癒率高達 90%* 富通保險為您的健康走在最前 我們的 全為您 危疾保障計劃 ( 下稱 此計劃 ) 為受保人提供多項嚴重疾病之早期保障, 以及提供 多達 26 種次級嚴重疾病保障 此外,

Transcription

1 全為您 危疾保障計劃 AM0156/1701

2 全為您 危疾保障計劃 現今醫療技術日新月異, 很多危疾只要及早發現, 都能治癒 例如早期發現的乳癌及前列腺癌, 治癒率高達 90%* 富通保險為您的健康走在最前 我們的 全為您 危疾保障計劃 ( 下稱 此計劃 ) 為受保人提供多項嚴重疾病之早期保障, 以及提供 多達 26 種次級嚴重疾病保障 此外, 受保人於懷疑患上指定疾病時 1, 此計劃內之 環球卓醫保 更免費提供專業第二醫療意見 而此計劃亦提供多達 5 次之 嚴重疾病賠償, 為您的健康給予周全保障 * 資料來源..經濟日報及都市日報 全為您 危疾保障計劃優點 涵蓋 49 種嚴重疾病, 若受保人不幸確診罹患任何指定嚴重疾病時, 可獲得相等於保障額 100% 之賠償 2 涵蓋 26 種次級嚴重疾病, 讓受保人於確診罹患指定次級嚴重疾病時可獲得財政保障 5 提供多達 5 次 嚴重疾病賠償, 合共高達保障額之 6.5 倍, 讓受保人毋須因其後再被確診罹患嚴重疾病欠缺保障而憂心 於成 功獲得首次 嚴重疾病賠償 後, 此計劃日後所有應付的保費更可獲豁免 3 提供額外癌症保障包括指定器官之原位癌或早期癌症的保障, 嚴重疾病賠償 就癌症給付的賠償及 額外癌症治療賠償 受保人於懷疑患上指定疾病時 1, 環球卓醫保 免費提供專業第二醫療意見, 讓受保人及早獲得妥善治療 全為您 危疾保障計劃特點 提供周全的嚴重疾病保障 全為您 危疾保障計劃涵蓋 49 種嚴重疾病, 除常見的癌症 心 4 臟病發作及中風等病症外, 受保嚴重疾病還包括年老痴呆及帕 金遜症 若受保人不幸確診患上任何指定嚴重疾病時, 全為您 危疾保障計劃將從基本計劃中預支相等於 全為您 危疾保障計 劃之保障額 100% 2,7 之賠償金額 次級 嚴重疾病賠償 令您獲得及時保障 次級嚴重疾病如未能及早獲得適當治療, 便有機會轉化為危疾 此計劃涵蓋多達 26 種次級嚴重疾病, 包括冠狀血管成形術 原 位癌 早期癌症 次級嚴重心臟病發作及次級嚴重燒傷等 當受保人被確診患上指定之次級嚴重疾病時, 全為您 危疾保 障計劃將從基本計劃中預支相等於 全為您 危疾保障計劃之保 障額 20% 或 50% 之賠償金額 2,4,7 若受保人不幸多次被確診罹患 不同之指定次級嚴重疾病, 亦可獲得多次賠償, 直至 次級嚴重 疾病賠償 的總賠償金額達到 全為您 危疾保障計劃之保障額 100% 多次 嚴重疾病賠償 令您無後顧之憂 此計劃為受保人提供最高 5 次 嚴重疾病賠償 2,5,6,7 此計劃內涵 蓋之嚴重疾病被劃分成 5 個組別 ( 詳情請參閱第 4 頁 全為您 危疾保障計劃 - 受保嚴重疾病及次級嚴重疾病一覽表 ), 若受保 6 人不幸被確診多次罹患癌症, 可獲多達 3 次之 嚴重疾病賠償 ; 若受保人不幸被確診罹患不同組別之嚴重疾病, 可獲得多達 5 次 之 嚴重疾病賠償 第 4 次及第 5 次之 嚴重疾病賠償 金額更 分別升至此計劃的保障額之 150% 及 200%, 最高之 嚴重疾病 賠償 的總賠償金額合共為此計劃的保障額之 650% 7, 讓您毋須 為患上多次嚴重疾病所帶來之巨大醫療開支而憂心 此外, 於受保人成功獲得首次 嚴重疾病賠償 後, 此計劃日後 所有應付的保費可獲豁免 周全癌病保障 全為您 危疾保障計劃提供周全癌症保障, 包括指定器官之原 位癌或早期癌症, 及就癌症給付的 嚴重疾病賠償 3 當此計劃的首次 嚴重疾病賠償 之已付或應付賠償是就癌症 所作出時, 本公司會就醫治癌症的指定治療而衍生的醫療收費 給付額外賠償 8, 上限為此計劃保障額之 10% 或 100,000 港元 / 12,500 美元 ( 以較低者為準 ), 此額外賠償不會令基本計劃或此 計劃之保障額減少 指定治療項目包括 : 1. 放射治療 2. 化學治療 3. 標靶治療 4. 荷爾蒙療法 5. 重建手術 6. 癌症之手術治療 1

3 環球卓醫保 提供免費專業第二醫療意見當疾病發生時, 患者往往希望可以尋求多方面的醫療意見, 以獲取最適合的治療 此計劃內之 環球卓醫保 涵蓋多達 167 種指定疾病 1, 讓受保人可於不幸患上或懷疑患上指定疾病時 1, 毋須等待危疾賠償獲批核, 便可獲得由環球頂尖之醫療中心提供專業第二醫療意見, 費用全免 詳情請參閱 環球卓醫保 計劃文件及 環球卓醫保 小冊子 保障長達至 80 歲或 100 歲此計劃專為初生 15 日 -70 歲人士而設 9, 並提供危疾保障長達 80 歲或 100 歲 9 此計劃更設不同繳付年期( 包括最短 15 年之選擇 ) 及均衡保費或遞增保費以供選擇, 以配合您的財務安排 配搭於不同保險計劃 全為您 危疾保障計劃可配搭於本公司不同指定保險計劃, 讓 您靈活建立理財及健康保障 免費環球緊急支援服務 您只要投保 全為您 危疾保障計劃, 無論您身處何地, 都可享 用 24 小時免費環球緊急支援服務, 以獲得即時支援 欲知此計劃的詳情, 請致電客戶服務熱線 或與閣下 的保險顧問聯絡 2

4 註 : 1. 須合法認許及已註冊醫生提供懷疑患上有關指定疾病的資料或報告 有關指定疾病將不時作出更改, 詳情請參閱 環球卓醫保 計劃文件之條款與細則 2. 受保人必須於診斷日期最少 30 日後仍然生存, 方可獲有關賠償 就首次 嚴重疾病賠償 之應付金額為已扣除就次級嚴重疾病已付或應付的賠償總額後之餘額 3. 有關指定器官之原位癌及早期癌症及 嚴重疾病賠償 就癌症給付的賠償, 詳情請參閱 全為您 危疾保障計劃 - 受保嚴重疾病及次級嚴重疾病一覽表 4. 有關嚴重疾病及次級嚴重疾病的保障範圍, 請參閱 全為您 危疾保障計劃 - 受保嚴重疾病及次級嚴重疾病一覽表 5. 多次 嚴重疾病賠償 並不包括末期疾病和完全及永久傷殘, 而就每一個組別內的任何嚴重疾病最多給付 1 次 嚴重疾病賠償 ( 除組別一的癌症外 ) 6. 受保人於任何組別的嚴重疾病獲得 嚴重疾病賠償 後 ( 除組別一的癌症外 ) 2, 則緊接其後的 嚴重疾病賠償 索償的有關嚴重疾病之首次確診日期必須與緊接之前已給付之 嚴重疾病賠償 的有關嚴重疾病之確診日期相隔不少於 12 個月 受保人於組別一的癌症獲得 嚴重疾病賠償 後, (i) 如其後索償的癌症屬以前已給付賠償的癌症索償的有關癌症之復發, 則其後的癌症索償的有關癌症之首次確診日期必須在 5 年無癌症等候期 屆滿後方符合條件 ; 或 (ii) 如其後索償的癌症並不是以前已給付賠償的癌症索償的有關癌症之復發, 則其後的癌症索償的有關癌症之首次確診日期必須與緊接之前已給付賠償的有關癌症之首次確診日期相隔不少於 12 個月方符合條件 ; 或 (iii) 如其後的 嚴重疾病賠償 索償是就組別二的主要器官移植而作出, 則在緊接其先前就組別一提出的 嚴重疾病賠償 索償後, 其後提出的 嚴重疾病賠償 索償必須在 5 年無癌症等候期 屆滿後方可給付 ; 或 (iv) 如其後的 嚴重疾病賠償 索償是因被確診罹患組別二 三 四或五的嚴重疾病 ( 組別二的主要器官移植除外 ), 則其後的 嚴重疾病賠償 索償的有關嚴重疾病之首次確診日期必須與緊接之前已給付之 嚴重疾病賠償 的有關嚴重疾病之確診日期相隔不少於 12 個月 7. 當作出 嚴重疾病賠償 及 次級嚴重疾病賠償 後, 此附加計劃之保障額不會改變 附加此計劃的基本計劃之保障額將會因應賠償金額而減少, 惟減少的金額不會超過此計劃的保障額 該基本計劃將來的保費 現金價值 紅利及可支取現金 ( 如有 ) 亦會相應作出調整 8. 額外癌症治療賠償 只適用於首次 嚴重疾病賠償 已付或應付而該賠償是就癌症所作出的 即使受保人受保多於一份本公司的危疾保障計劃, 額外癌症治療賠償 之總賠償金額不可超過 100,000 港元 / 12,500 美元 9. 保費類別保費繳付年期投保年齡保障期均衡保費 15 年初生 15 日 - 60 歲直至 80 歲 18 年初生 15 日 - 55 歲 25 年初生 15 日 - 50 歲直至 79 歲初生 15 日 - 70 歲遞增保費直至 79 歲初生 15 日 - 70 歲直至 80 歲 ( 須附加於指定定期壽險計劃以外之其他計劃 ) 直至 99 歲初生 15 日 - 70 歲直至 100 歲 ( 須附加於指定定期壽險計劃 ) * 若首次 嚴重疾病保障 已付, 此計劃將會於受保人 85 歲時被終止 3

5 全為您 危疾保障計劃 - 受保嚴重疾病及次級嚴重疾病一覽表 嚴重疾病 # 次級嚴重疾病 組別一 : 癌症 1. 癌症 1. 原位癌及早期癌症 **^ 2. 次級嚴重惡性腫瘤 ^ 組別二 : 與主要器官及功能有關的疾病組別三 : 與心臟有關的疾病組別四 : 與神經系統有關的疾病組別五 : 其他嚴重疾病其他 ( 只適用於首次 嚴重疾病賠償 ) 2. 再發性慢性胰臟炎 3. 克隆氏病 4. 暴發性病毒性肝炎 5. 腎衰竭 6. 肝衰竭 7. 肺衰竭 8. 主要器官移植 9. 囊腫性腎髓病 10. 嚴重類風濕關節炎 11. 嚴重潰瘍性結腸炎 12. 系統性紅斑狼瘡合併狼瘡腎炎 13. 心肌病 14. 冠狀動脈繞道手術 15. 心臟病發作 16. 心臟瓣膜替換 17. 川崎病 18. 原發性肺動脈高壓 19. 主動脈手術 20. 年老痴呆 21. 肌萎縮性脊髓側索硬化 22. 細菌感染引致腦膜炎 23. 良性腦腫瘤 24. 慢性腎上腺功能不足 ( 愛迪生氏病 ) 25. 昏迷 26. 克雅二氏病 ( 瘋牛病 ) 27. 腦炎 28. 嚴重的頭部創傷 29. 多發性硬化症 30. 肌營養不良 31. 癱瘓 ( 兩肢或以上 ) 32. 帕金遜症 33. 脊髓灰質炎 34. 延髓性逐漸癱瘓 35. 進行性肌肉萎縮症 36. 重症肌無力症 37. 中風 38. 失明 39. 失聰 40. 伊波拉病毒 41. 象皮病 42. 因輸血感染人類免疫力缺乏病毒 43. 喪失肢體 ( 兩肢或以上 ) 44. 嚴重燒傷 45. 壞死性筋膜炎 46. 因職業感染人類免疫力缺乏病毒 47. 喪失說話能力 48. 末期疾病 49. 完全及永久傷殘 3. 主要器官移植 ( 於器官移植輪候冊名單上 )^ 4. 次級嚴重克隆氏病 ^ 5. 慢性腎功能損害 ^ 6. 次級嚴重潰瘍性結腸炎 ^ 7. 次級嚴重系統性紅斑狼瘡 ^ 8. 次級嚴重心肌病 ^ 9. 冠狀血管成形術 + *^ 10. 經血管內心臟瓣膜介入 ^ 11. 次級嚴重心臟病發作 +^ 12. 微小創口冠狀動脈搭橋手術 **^ 13. 心包膜切除術 ^ 14. 主動脈瘤支架置入術 ^^ 15. 次級嚴重頭部創傷 ^ 16. 次級嚴重重症肌無力症 ^ 17. 垂體瘤 **^ 18. 因腎上腺腺瘤切除腎上腺 ^ 19. 次級嚴重昏迷 ^ 20. 癱瘓 ( 一肢 )^^ 21. 喪失肢體 ( 一肢 )^^ 22. 次級嚴重帕金遜症 ^ 23. 腦動脈瘤的手術治療 ^ 24. 嚴重哮喘 ^ 25. 嚴重聽力受損 ^ 26. 次級嚴重燒傷 ^ - 4

6 + * ** # 當受保人就冠狀血管成形術索償時, 須扣減已從次級嚴重心臟病發作所獲得之賠償額 ( 如有 ), 當受保人就次級嚴重心臟病發作索償時, 須扣減已從冠狀血管成形術所獲得的賠償額 ( 如有 ) 即使受保人擁有多於一份本公司的危疾保障計劃, 每位受保人就冠狀血管成形術之總賠償金額不可超過 240,000 港元 / 30,000 美元 每一份保單最多可獲一次賠償 即使受保人擁有多於一份本公司的危疾保障計劃, 每位受保人就上述 3 項疾病之總賠償金額不可超過 240,000 港元 / 30,000 美元 每一份保單就該 3 項疾病最多可獲一次賠償 每一份保單就上述每一項之次級嚴重疾病最多可獲一次賠償 ^ 就上述每一項之次級嚴重疾病, 次級嚴重疾病賠償 相等於此計劃之保障額 20% ^^ 就上述每一項之次級嚴重疾病, 次級嚴重疾病賠償 相等於此計劃之保障額 50% 不保事項 若既存症狀在投保書上沒有被全面披露, 則本公司將對任何直接或間接因該等既存症狀引致的索償不予賠付 既存症狀是指受保人在保單生效日期或任何復效日期 ( 以較遲者為準 ) 起計之前 5 年以內已存在的任何足以促使一個正常審慎的人尋求醫學意見 診斷 照顧或治療的病徵或症狀, 或受保人在保單生效日期或任何復效日期 ( 以較遲者為準 ) 之前已存在的症狀, 並已被建議接受或已接受醫學意見 診斷 照顧或治療 如受保人被診斷患有以下病症, 本公司將不會就此計劃給付任何賠償.. 1. 在保單生效日期或復效日期 ( 以較遲者為準 ) 起計 60 天內被診斷或首次出現病徵或症狀的嚴重疾病或次級嚴重疾病, 但因受傷而造成的嚴重疾病或次級嚴重疾病除外 ; 2. 根據保單條款之定義, 除因輸血或職業而感染到的人類免疫力缺乏病毒 ( 愛滋病 ) 外, 任何人類免疫力缺乏病毒 (HIV) 及 / 或人類免疫力缺乏病毒相關的疾病, 包括後天性免疫力缺乏症候群 ( 愛滋病 ) 及 / 或與其任何的突變 衍生或變異 ; 3. 除肌營養不良外, 任何直接或間接因先天或遺傳導致 加劇或與之有關聯的嚴重疾病或次級嚴重疾病, 而該嚴重疾病或次級嚴重疾病在受保人年滿 18 歲之前已顯現或被診斷出來 除此之外, 不論直接或間接, 完全或部份, 自願或非自願, 因下列情況導致的嚴重疾病或次級嚴重疾病, 本公司均不給付賠償 : 1. 不論當時神智是否清醒, 受保人自致的傷害, 包括自殺或任何企圖自致的傷害 ; 2. 因服用酒精 毒藥 藥物 毒品或鎮靜劑所致, 或受到其影響下所致, 惟經醫生處方者除外 ; 3. 吸入氣體, 惟因職業所需而遇上不可避免的風險除外 ; 4. 抵觸或試圖抵觸法律之行為 或參與打鬥或聚眾毆打 或拒捕 ; 5. 已宣戰或未經宣戰的戰爭 革命或任何軍事行動 ; 6. 在已宣戰或未經宣戰的戰爭或軍事行動或恢復社會秩序時執行陸軍 海軍或空軍服務 ; 7. 進入 離開 駕駛 乘坐或以任何方式身處於空中交通工具, 惟以乘客身份購票乘坐有固定的航班及固定飛行路線的商營客機除外 ; 8. 受保人以職業運動員身份參加體育運動 iii. 保單終止 在下列情況下, 本公司有權在保障期結束前終止閣下的計劃 : 1. 應繳之保費在 31 日的寬限期結束當日仍然未繳清 ; 或 2. 基本計劃已被取消或退保或終止 ; 或 3. 基本計劃被轉換為清繳保險或展期保險 ( 如適用 ); 或 4. 本計劃下已付或應付的嚴重疾病賠償已達至最高賠償額 ; 或 5. 本計劃就末期疾病或完全及永久傷殘已付或應付首次嚴重疾病賠償 ; 或 6. 已付或應付次級嚴重疾病賠償的賠償總額達至本計劃的保額的 100% iv. 通脹風險 當閣下查閱利益說明表的各項價值時, 請注意由於通貨膨脹, 未來生活的成本可能會比現時較高 在該等情況下, 即使本公司完成所有其保單下的合同義務, 閣下可能獲得比實質價值少 v. 其他主要產品風險 全為您 危疾保障計劃以美元或港元為保單貨幣 閣下可選擇以港元或保單貨幣支付保費 閣下可於投保時指定保單貨幣, 但保單一經發出, 閣下便不能更改保單貨幣 若閣下以保單貨幣以外的其他貨幣支付保費, 本公司會以其參考市場匯率後不時決定的當時的匯率, 將有關保費兌換為保單貨幣 本公司將以港元或應閣下要求以保單貨幣發放所有本保單應付的款項 若本公司以保單貨幣以外的其他貨幣向閣下發放款項, 該等款項亦將按本公司參考市場匯率後不時決定的當時的匯率兌換 兌換貨幣存在外幣匯兌風險 全為您 危疾保障計劃是由本公司發出的保單, 閣下的保單利益受本公司的信貸風險影響 此文件乃資料摘要, 僅供參考之用, 絕不構成財務 投資 稅務 或任何形式的意見 如有需要, 請向獨立專業人仕尋求建議 請 參閱計劃的條款及細則以獲取更多資料 此文件只適宜於香港分發, 不應被詮釋為在香港以外地區提供本 公司的任何產品, 或就其作出要約或招攬 如在香港境外之任何 司法管轄區的法律下提供或出售或游說購買任何富通保險有限公 司的產品屬違法, 富通保險有限公司在此聲明無意在該司法管轄 區提供或出售或游說購買該產品 非保單的立約人 ( 包括但不限於受保人及受益人 ) 不享有執行保 單任何條款的權利 合約 ( 第三者權利 ) 條例 不適用於保單及 以保單為依據而簽發的任何文件 重要提示 1. 冷靜期權益 閣下可於保單發出後 21 天內, 或本公司向閣下或閣下的代表發出通知書後的 21 天內, 以較先者為準, 取消已購買的保單及取回已繳之保費金額 通知書應說明保單已備妥, 並列明冷靜期的屆滿日期 請參閱香港保險業聯會就冷靜期權益不時發出的最新指引 如閣下決定行使冷靜期權益, 閣下需以書面知會本公司有關取消保單的決定 該通知必須由閣下簽署及直接送達本公司 ( 地址 : 香港干諾道中 111 號永安中心 27 樓 ) 2. 主要產品風險 i. 保費調整 對於均衡保費, 保費於保障期內將不會根據受保人已屆的年齡而調整, 惟保費率 * 並非保證, 本公司保留不時審閱及調整的權利 對於遞增保費, 保費將根據受保人已屆的年齡而於每年調整, 而保費率 * 將由本公司於續約時釐定 * 保費率會因以下因素而影響, 包括但不限於過去的索償紀錄 利率 持續率和費用 本公司將於續保前不少於 30 日預先以書面通知閣下有關之保費金額 ii. 欠繳保費 如應繳之保費在其到期日起計 31 日的寬限期結束當日仍然未繳清, 保單將被自動終止, 閣下亦將失去此保單之保險保障 富通保險有限公司 於百慕達註冊成立之有限公司 FTLife Insurance Company Limited A company incorporated in Bermuda with limited liabilities 5

7 All-in-One Critical Illness Protector AM0156/1701

8 All-in-One Critical Illness Protector Advanced medical technology means that many critical illnesses are now curable if detected in their early stages. For example, early detection of breast and prostate cancer may result in a recovery rate up to 90%*. Helping our customers to safeguard their health is always a top priority to FTLife. Our All-in-One Critical Illness Protector ( This plan ) protects the insured at the early stages of various Major Illnesses, as well as 26 Less Severe Critical Illnesses. On the other hand, the Global Advance Care under this plan provides professional medical second opinion to the insured for free if there is suspicion of suffering from one of the specified diseases 1. Combined with Major Illness Benefit which provides up to 5 claims, this plan gives you extra peace of mind by a better critical illness protection. *Sources of Information: Hong Kong Economic Times and Metro Daily. Advantages Comprehensive coverage for 49 Major Illnesses, we will pay 100% of the sum insured if any of these is diagnosed 2. Financial protection upon the diagnosis of 26 Less Severe Critical Illnesses. Provide up to 5 claims of Major Illness Benefit amounted to a total of 650% of the sum insured. Even when facing multiple occurrences of Major Illnesses 5, the insured can be free from the worry of inadequate protection. Also, once the first claim of Major Illness Benefit is successfully made, the premium for this plan will be waived thereafter. Offer extra care against cancer, including protection for Carcinoma In Situ or Early Stage Cancer in designated organs, Major Illness Benefit for cancer 3 and Additional Cancer Treatment Benefit. Innovative Global Advance Care provides professional medical second opinion to the insured for free when there is suspicion of suffering from specified diseases 1. This will help the insured to receive curative treatment as early as possible. Features of All-in-One Critical Illness Protector Comprehensive Protection against Critical Illnesses All-in-One Critical Illness Protector offers protection against 49 Major Illnesses. Apart from the most common ones, such as Cancer, Heart Attack and Stroke, covered Major Illnesses 4 also include Advanced Dementia and Parkinson s disease. If the insured is diagnosed with the specified Major Illness, All-in-One Critical Illness Protector will provide advance payment equal to 100% 2,7 of its sum insured from the basic plan of All-in-One Critical Illness Protector. Timely Protection with Benefits for Less Severe Illnesses Without timely and proper treatment, minor illness may develop to a critical one. This plan therefore provides protection against 26 Less Severe Critical Illnesses, such as Angioplasty, Carcinoma In Situ, Early Stage Cancer, Less Severe Heart Attack and Less Severe Burns. An advance payment from the basic plan of All-in-One Critical Illness Protector will be paid if the insured is unfortunately diagnosed as having any of the specified Less Severe Critical Illnesses. This is equal to 20% or 50% of the sum insured of All- In-One Critical Illness Protector 2,4,7. If the insured is diagnosed as having multiple occurrences of different covered Less Severe Critical Illnesses, you will receive multiple amounts of compensation until the total amount of the Less Severe Critical Illness Benefit you have received reaches 100% of the sum insured of All-in-One Critical Illness Protector. Multiple Claims for Major Illness Benefit to Ease Your Mind This plan provides multiple claims for Major Illness Benefit up to 5 times 2,5,6,7. These Major Illnesses are divided into 5 groups (please refer to the List of Major Illnesses and Less Severe Critical Illnesses Covered under All-in-One Critical Illness Protector on page 4). If the insured is diagnosed as having Cancer on a number of occasions, a maximum of 3 claims 6 of Major Illness Benefit will be paid. If the insured is unfortunately diagnosed as having any Major Illness that fall into different groups, maximum of 5 claims of Major Illness Benefit will be paid. The amounts of Major Illness Benefit payments on the 4 th and 5 th occasions will rise to 150% and 200% of the sum insured of this plan respectively. The maximum total Major Illness Benefit could amount to 650% of the sum insured 7 of this plan, this frees you from the worry of huge medical expenses in case of multiple Major Illnesses. In addition, all future premiums payable under this plan will be waived after the insured have made the first successful claim for Major Illness Benefit. 1

9 Total Financial Protection Against Cancer All-in-One Critical Illness Protector offers comprehensive protection against cancer, including coverage for Carcinoma In Situ or Early Stage Cancer in designated organs and Major Illness Benefit for cancer 3. If the first claim of Major Illness Benefit under this plan is paid or payable for Cancer, an extra benefit 8 on specified treatment expense(s) will be paid, subject to a maximum of 10% of sum insured of this plan or HK$100,000 / US$12,500, whichever is lower. This extra benefit will not reduce the sum insured of the basic plan nor this plan. The specified treatments include: 1. Radiotherapy 2. Chemotherapy 3. Target therapy 4. Hormonal therapy 5. Reconstructive surgery 6. Surgical treatment of cancer Global Advance Care for Free Medical Second Opinion When sickness occurs, patients always want to seek various professional medical opinions to find out the most suitable treatment. This plan includes Global Advance Care that covers up to 167 specified illnesses 1. When there is suspicion of suffering from a specified illnesses 1, the insured can seek professional medical second opinion from a world leading medical centre for free, without the need to wait for a critical illness claim to be approved. Please refer to the Global Advance Care Programme Document and Global Advance Care flyer for details. Continuous Protection up to the Age of 80 or 100 This plan is suitable for age 15 days to 70 years 9. It provides continuous critical illness protection up to age 80 or Different premium payment periods (including the choice of the shortest 15-year term) 9 as well as flat or increasing premium options are available to suit your financial needs. Various Combinations with Insurance Plan All-in-One Critical Illness Protector is applicable to a wide range of insurance plans designated by us. You can freely build a comprehensive protection for your health as well as wealth. Free Worldwide Emergency Assistance Services After enrolling in All-in-One Critical Illness Protector, you will also enjoy 24-hour worldwide emergency assistance services wherever you are. For more details of this plan, please call our Customer Service Hotline at or contact our Consultant. 2

10 Notes: 1. Information and report(s) about the diagnosis of a suspected specified illness covered under Global Advance Care must be provided by a legally authorized and registered medical practitioner. The list of covered illnesses is subject to change from time to time, please refer to Global Advance Care Programme Document for details. 2. The benefits will be paid if the insured remain alive for at least 30 days after the date of diagnosis of the Major Illnesses. Payment amount for the first Major Illness Benefit will deduct the aggregate amount of compensation for Less Severe Critical Illnesses paid. 3. Please refer to the List of Major Illnesses and Less Severe Critical Illnesses Covered under All-in-One Critical Illness Protector for the details of coverage for Carcinoma In Situ or Early Stage Cancer in designated organs and Major Illness Benefit for cancer. 4. For the coverage of Major Illnesses and Less Severe Critical Illnesses, please refer to the List of Major Illnesses and Less Severe Critical Illnesses Covered under All-in-One Critical Illness Protector. 5. Multiple claims for Major Illness Benefit does not include Terminal Illness and Total and Permanent Disability. Benefit payment will be made once for Major Illnesses falling within the same group (excluding Group 1 Cancer ). 6. After receiving Major Illness Benefit from any group (except Group 1 Cancer ) 2, the date of the first diagnosis of the Major Illness of subsequent Major Illness Benefit claim must be at least 12 months after the date of diagnosis of the Major Illness of the immediately preceding Major Illness Benefit that has been paid. After receiving Major Illness Benefit for Group 1 Cancer, (i) if the Cancer of the subsequent Cancer claim is a recurrence of the Cancer of any preceding Cancer claim(s) for which benefit has been paid, the Cancer of the subsequent Cancer claim shall be covered only if it is first diagnosed after a 5-year Cancer-free Waiting Period ; or (ii) if the Cancer of the subsequent Cancer claim is not a recurrence of the Cancer of any preceding Cancer claim(s) for which benefit has been paid, the Cancer of the subsequent Cancer claim shall be covered only if it is first diagnosed at least 12 months after the date of the first diagnosis of the Cancer of the immediate preceding Cancer claim for which benefit has been paid; or (iii) if the diagnosis of the Major Illness of subsequent Major Illness Benefit claim is the Major Organ Transplant from Group 2, a 5-year Cancer-free Waiting Period is required from the immediately preceding Major Illness Benefit claim made from Group 1 before the subsequent Major Illness Benefit shall be paid; or (iv) if the subsequent claim of Major Illness Benefit is for the Major Illness from Group 2, 3, 4 or 5, except the Major Organ Transplant from Group 2, the date of the first diagnosis of the Major Illness of subsequent Major Illness Benefit claim must be at least 12 months after the date of diagnosis of the Major Illness of the immediately preceding Major Illness Benefit that has been paid. 7. After Major Illness Benefit and Less Severe Critical Illness Benefit are paid, sum insured of this plan itself will not be changed. Sum insured of the basic plan which this plan is attached to will be reduced in accordance with the amount paid out but the aggregate reduction amount should not be greater than the sum insured of this plan. Premium, cash value, dividend and cash coupons (if any) of the basic plan in the future will also be adjusted accordingly. 8. Additional Cancer Treatment Benefit is only applicable if the first claim of Major Illness Benefit is paid for Cancer. Even if the insured is covered by more than one critical illness policy from us, the total amount of Additional Cancer Treatment Benefit will not exceed HK$100,000 / US$12, Premium Type Premium Payment Period Issue Age Coverage Period Flat Premium 15 years 15 days 60 years old Up to age years 15 days 55 years old 25 years 15 days 50 years old Up to age days 70 years old Increasing Up to age days 70 years old Up to age 80 (if attached to a plan other than Premium designated term life insurance plans) Up to age days 70 years old Up to age 100 (if attached to a designated term life insurance plan) * Once the first claim of the Major Illness Benefit is paid, this plan will be terminated when the insured reaches age 85. 3

11 List of Major Illnesses and Less Severe Critical Illnesses Covered under All-in-One Critical Illness Protector Major Illness Less Severe Critical Illness # Group 1 - Cancer 1) Cancer 1) Carcinoma In Situ and Early Stage Cancer**^ 2) Less Severe Malignancy^ Group 2 - Illnesses 2) Chronic Relapsing Pancreatitis 3) Major Organ Transplant (on waiting list) ^ Related to Major Organs 3) Crohn s Disease 4) Less Severe Crohn s Disease^ and Functions 4) Fulminant Viral Hepatitis 5) Chronic Kidney Impairment^ 5) Kidney Failure 6) Less Severe Ulcerative Colitis^ 6) Liver Failure 7) Less Severe Systemic Lupus Erythematosus^ 7) Lung Failure 8) Major Organ Transplant 9) Medullary Cystic Disease 10) Severe Rheumatoid Arthritis 11) Severe Ulcerative Colitis 12) Systemic Lupus Erythematosus with Lupus Nephritis Group 3 - Illnesses 13) Cardiomyopathy 8) Less Severe Cardiomyopathy^ Related to the Heart 14) Coronary Artery Disease Requiring By-pass Surgery 9) Angioplasty + *^ 15) Heart Attack 10) Endovascular Heart Valve Intervention^ 16) Heart Valve Surgery 11) Less Severe Heart Attack +^ 17) Kawasaki Disease 12) Minimally Invasive Direct Coronary Artery By-pass**^ 18) Primary Pulmonary Arterial Hypertension 13) Pericardiectomy^ 19) Surgery to Aorta 14) Stent Graft Surgery of Aortic Aneurysm^^ Group 4 - Illnesses 20) Advanced Dementia 15) Less Severe Head Trauma^ Related to the Nervous 21) Amyotrophic Lateral Sclerosis 16) Less Severe Myasthenia Gravis^ System 22) Bacterial Meningitis 17) Pituitary Adenoma**^ 23) Benign Brain Tumour 18) Adrenalectomy for Adrenal Adenoma^ 24) Chronic Adrenal Insufficiency (Addison s Disease) 19) Less Severe Coma^ 25) Coma 20) Paralysis of One Limb^^ 26) Creutzfeldt-Jakob Disease (Mad Cow Disease) 21) Loss of One Limb^^ 27) Encephalitis 22) Less Severe Parkinson s Disease^ 28) Major Head Trauma 23) Cerebral Aneurysm Requiring Surgery^ 29) Multiple Sclerosis 30) Muscular Dystrophy 31) Paralysis of Two or More Limbs 32) Parkinson s Disease 33) Poliomyelitis 34) Progressive Bulbar Palsy 35) Progressive Muscular Atrophy 36) Severe Myasthenia Gravis 37) Stroke Group 5 Other Major 38) Blindness 24) Severe Asthma^ Illnesses 39) Deafness 25) Severe Hearing Loss^ 40) Ebola 26) Less Severe Burns^ 41) Elephantiasis 42) HIV Infection through Blood Transfusion 43) Loss of Two or More Limbs 44) Major Burns 45) Necrotising Fasciitis 46) Occupationally Acquired HIV Infection 47) Speech Loss Others (only applicable to the first claim of Major Illness Benefit ) 48) Terminal Illness 49) Total and Permanent Disability - 4

12 + When the insured makes a claim for Angioplasty, the benefits paid for Less Severe Heart Attack (if any) will be deducted, and vice versa (that is, when the insured makes a claim for Less Severe Heart Attack, the Less Severe Critical Illness Benefit paid for Angioplasty (if any) will be deducted). * For Angioplasty, the maximum amount of payment per insured is HK$240,000 / US$30,000 even if the insured is covered under more than 1 critical illness policy issued by us. Only 1 claim can be made under each policy. ** For the above 3 illnesses, the maximum amount of payment per insured is HK$240,000 / US$30,000 even if the insured is covered under more than 1 critical illness policy issued by us. Regarding these 3 illnesses, only 1 claim can be made under each policy. # ^ For each of the Less Severe Critical Illnesses, a maximum of 1 claim can be made under each policy. For each of the Less Severe Critical Illnesses, Less Severe Critical Illness Benefit is equal to 20% of the sum insured of this plan. ^^ For each of the Less Severe Critical Illnesses, Less Severe Critical Illness Benefit is equal to 50% of the sum insured of this plan. Exclusions We will not pay any benefit arising directly or indirectly from a Pre-existing Condition if such condition was not fully disclosed in the application. Pre-existing Condition is the existence of any sign or symptom within a fiveyear period immediately preceding the policy effective date or the date of any reinstatement (whichever is later) which would have caused an ordinary prudent person to seek medical advice, diagnosis, care or treatment; or a condition of the insured for which medical advice, diagnosis, care or treatment was recommended or received before the policy effective date or the date of any reinstatement (whichever is later). We shall not pay any benefit under this plan if the insured is diagnosed to have:- 1. A Major Illness or Less Severe Critical Illness of which any sign or symptom first manifests or which is diagnosed within 60 days from the policy effective date or the date of reinstatement, whichever is the later, but this clause does not cover any Major Illness or Less Severe Critical Illness resulted from injury; 2. A Human Immunodeficiency Virus (HIV) and / or HIV-related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutations, derivation or variations thereof, other than those acquired through blood transfusion or through occupation as defined in the policy provision; 3. A Major Illness or Less Severe Critical Illness caused or aggravated by or associated with, whether directly or indirectly, a congenital or inherited disorder (except Muscular Dystrophy ) which has manifested or been diagnosed before the insured attains age 18. In addition, the benefit shall not be payable if the Major Illness or Less Severe Critical Illness is directly or indirectly, wholly or partly, voluntarily or involuntarily caused by or resulting from any of the following occurrences: 1. Self-inflicted injury, including suicide or any attempt to do so, while sane or insane; 2. Consumption of or being under the influence of alcohol, poison, medication, drugs or sedatives unless prescribed by a registered medical practitioner; 3. Inhaling gas except from hazard incidental to occupation; 4. Violation or attempted violation of the law or participation in fight or affray or resistance to arrest; 5. War, whether declared or undeclared, revolution or any warlike operations; 6. Engaging in services in armed forces in times of declared or undeclared war or while under orders for warlike operations or restoration of public order; 7. Entering, exiting, operating, being transported, or in any way engaging in air travel except as a fare paying passenger in any aircraft operated by a commercial passenger airline on a regular scheduled passenger trip over its established passenger route; 8. Engaging in a sport in a professional capacity. Disclosure of Important Information 1. Cooling Off Right You may cancel your policy and get back your premium paid within the earlier of 21 days after the delivery of the policy or the issue of a notice to you or your representative. Such notice should inform you of the availability of the policy and expiry date of the cooling-off period. Please refer to the cooling off initiative issued by the Hong Kong Federation of Insurers from time to time for reference. You have to tell us by giving a written notice if you determine to exercise your cooling off right. Such written notice must be signed by you and received directly by us at 27/F, Wing On Centre, 111 Connaught Road Central, Hong Kong. 2. Key Product Risks i. Premium Adjustment For flat premium, premiums will not change with the attained age of the insured throughout the protection period but the premium rates* are not guaranteed. We reserve the right to review and revise them at any time. For increasing premium, we will adjust premiums yearly according to the attained age of the insured and at a rate* to be determined by us at the time of renewal. *Rate(s) are determined based on factors including but not limited to the actual experience of claims, interest rate, persistency and expense. We will issue a written notice to inform you the premium amount at least 30 days in advance of premium renewal. ii. Non-payment of Premium If there is any non-payment of premiums at the end of the grace period of 31 days from its due date, the policy will automatically be terminated and you will lose your insurance protection under the policy. iii. Termination We have the right to terminate the plan before the end of coverage period under the following circumstances: 1. Non-payment of premiums at the end of the grace period of 31 days from its due date; or 2. The basic plan is cancelled or surrendered or terminated; or 3. The basic plan is converted into paid-up or extended term insurance plan (if applicable); or 4. The maximum amount of the Major Illness Benefit under this plan has been paid or is payable; or 5. The first claim of Major Illness Benefit under this plan has been paid or is payable for Terminal Illness or Total and Permanent Disability; or 6. The aggregate amount of Less Severe Critical Illness Benefit amounting to 100% of sum insured of this plan has been paid or is payable. iv. Inflation Risk When you review the values shown in the benefit illustrations, please note that the cost of living in the future is likely to be higher than it is today due to inflation. In that case you will receive less in real terms even if we meet all of our contractual obligations under the policy. v. Other Key Product Risks All-in-One Critical Illness Protector is issued either in US dollar or HK dollar. Premiums shall be paid either in HK dollars or in policy currency. You can specify the policy currency at the time of application. Policy currency cannot be altered once the policy has been issued. The premiums received by us in a currency different from your policy currency will be converted to the policy currency at the prevailing exchange rate determined by us from time to time with reference to market rates. All monies payable under your Policy will be paid in Hong Kong dollars, or in the policy currency upon your request. The amount payable by us in a currency different from your policy currency will be converted at the prevailing exchange rate determined by us from time to time with reference to market rates. Therefore it may be subject to foreign exchange risks in the process of currency conversion. All-in-One Critical Illness Protector is an insurance policy issued by us. The insurance benefits are subject to the company s credit risks. The information in this document is intended as a general summary for your reference only and does not constitute financial, investment or taxation advice or advice of whatsoever kind. You are recommended to seek professional advice from your independent advisors if you find it necessary. Please refer to the policy provision for the full terms and conditions. This document is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell or a solicitation to buy or provision of any of our products outside Hong Kong. FTLife Insurance Company Limited hereby declares that it has no intention to offer to sell, to solicit to buy or to provide any of its products in any jurisdiction other than Hong Kong in which such offer to sell or solicitation to buy or provision of any product of FTLife Insurance Company Limited is illegal under the laws of that jurisdiction. A person who is not a party to the policy (including but not limited to the insured and the beneficiary) has no right to enforce any terms of the policy. The Contracts (Rights of Third Parties) Ordinance does not apply to the policy nor any document issued pursuant to the policy. 富通保險有限公司 於百慕達註冊成立之有限公司 FTLife Insurance Company Limited A company incorporated in Bermuda with limited liabilities 5