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霈曲穆
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Cancer is the most common cause of death, followed by pneumonia and heart disease (a) More than 26,000 incidence of cancer every year; one in four men and one in five women will have cancer during

3 Cancer is the most common cause of death, followed by pneumonia and heart disease (a) More than 26,000 incidence of cancer every year; one in four men and one in five women will have cancer during their lifetime (b) The total number of hospitalization due to serious illness (including cancer, kidney failure, lung disease and heart disease) keeps increasing in the past five years (c) In today s advanced medical technology, serious illness is not necessarily fatal but the medical expenses are even more dreadful, and your lifelong savings will be exhausted by post-surgery medication and treatment during the time of recovery. The median doctor fee for heart valve surgery operation is about HKD50,000 (d) The fee for purchase Everolimus, a FDA approved immunosuppressant for treatment of renal cell cancer and other tumours, is about HKD30,000 per month (e) The average cost for treatment of colorectal cancer in the first two years round up to HKD700,000 (f) (a) 26,000 (b) (c) 50,000 (d) 30,000 (e) 700,000 (f) Have you ever imagined the impact of the above to your family? Sources: (a) Centre for Health Protection, Department of Health, 2012 (b) Hong Kong Cancer Registry, Hospital Authority, 2010 (c) Hospital Authority Statistical Report (d) Report of Doctor s Fee Survey 2010, The Hong Kong Medical Association, April 2010 (e) Latest Cancer News, Cancer Fund, 6 August 2013 (f) Latest Cancer News, Cancer Fund, 22 July 2009 (a) 2012 (b)2010 (c) (d) (e) (f)

4 A comprehensive protection safeguarding a worry-free life for you and your loved ones To secure from financial loss due to serious illness, one of the best ways is to enroll an insurance plan. Zurich HealthTotal Critical Illness Insurance Plan is an affordable yet flexible critical illness insurance plan, offering coverage of 68 illnesses including early stage and juvenile illnesses with maximum claim amount of HKD1.9 million, for a comprehensive protection to you and your family with only a limited budget Feature highlights More than you expected Comprehensive protection Covers 68 illnesses, offers both early stage and juvenile illnesses without additional premium 68 Multiple pay benefit Offers up to a maximum of five illness claims (1)(2)(3) (1)(2)(3) Low insurance cost A budget-friendly critical illness insurance plan, monthly premium as low as HKD30 30 Flexible premium options With both step and level premium offered, you can select level premium with lower premium locked in at an earlier age (4) (4) Special privilege offers extra care to your children A maximum of two children can enjoy the benefit of HKD1 monthly premium for each child if your spouse is also covered by the plan (5) 1 (5) Enhanced protection at your golden era Extra 100% additional sum insured if you opt for level premium at or before age 35 (6) % (6) Accidental death cover Accidental death benefit of HKD100, ,000 02

Wide range of protection against 68 illnesses 68 Zurich HealthTotal Critical Illness Insurance Plan provides you with a wide array of protection against the critical illnesses up to 75 years old.

5 Wide range of protection against 68 illnesses 68 Zurich HealthTotal Critical Illness Insurance Plan provides you with a wide array of protection against the critical illnesses up to 75 years old. Benefit (7) will be paid if the insured person is diagnosed with any of the 68 illnesses: (7) 53 Major illnesses (Group A-E) A-E + 9 Early stage illnesses (Group F) F + 6 Juvenile illnesses (Group G) G 03

6 Group A A Cancer 1. Group B B Illnesses related to major organs and functions 2. Chronic Relapsing Pancreatitis 3. Chronic and Irreversible Renal Failure 4. End Stage Liver Disease 5. End Stage Lung Disease 6. Fulminant Viral Hepatitis 7. Major Organ Transplant 8. Medullary Cystic Disease Group C C Illnesses related to heart 9. Acute Myocardial Infarction 10. Coronary Artery By-pass Surgery 11. Dissecting Aortic Aneurysm 12. Heart Valve Surgery 13. Infective Endocarditis 14. Primary Pulmonary Arterial Hypertension 15. Surgery to Aorta Group D D Illnesses related to nervous system 16. Alzheimer s Disease (coverage is up to aged 70) 17. Amyotrophic Lateral Sclerosis 18. Apallic Syndrome 19. Bacterial Meningitis 20. Benign Brain Tumour 21. Coma 22. Creutzfeldt-Jacob Disease 23. Encephalitis 24. Major Head Trauma 25. Multiple Sclerosis 26. Muscular Dystrophy 27. Paralysis 28. Parkinson Disease (coverage is up to aged 70) 29. Poliomyelitis 30. Primary Lateral Sclerosis 31. Progressive Bulbar Palsy 32. Severe Myasthenia Gravis 33. Spinal Muscular Atrophy 34. Stroke 35. Tuberculosis Meningitis Group E E Other major illnesses 36. Aplastic Anaemia 37. Blindness 38. Chronic Adrenal Insufficiency (Addison s Disease) 39. Deafness 40. Ebola 04

7 Group E E Other major illnesses 41. Elephantiasis 42. HIV due to Blood Transfusion 43. Loss of Independent Existence (coverage from aged 18 to 70) 44. Loss of Limbs 45. Loss of Speech 46. Major Burns 47. Necrotising Fasciitis 48. Occupational Acquired HIV 49. Severe Crohn's Disease 50. Severe Rheumatoid Arthritis 51. Severe Ulcerative Colitis 52. Systemic Lupus Erythematosus 53. Terminal Illness (coverage is up to aged 70) Group F F Early stage illnesses (For insured aged 18 or above) Carcinoma in situ of the Breast 55. Carcinoma in situ of the Cervix Uteri 56. Carcinoma in situ of the Uterus 57. Carcinoma in situ of the Ovaries 58. Carcinoma in situ of the Fallopian Tubes 59. Carcinoma in situ of the Vagina 60. Carcinoma in situ of the Testes 61. Early Stage Cancer of the Prostate 62. Minimally invasive surgery for Coronary Artery Diseases including Angioplasty Group G G Juvenile illnesses (For insured aged 17 or below) Haemophilia A and Haemophilia B 64. Insulin Dependant Diabetes Mellitus (Type I DM) 65. Kawasaki Disease with Heart Complications 66. Osteogenesis Imperfecta (Type III) 67. Rheumatic Fever with Valvular Impairment 68. Still's Disease Note: Any diagnosis of an illness for the purpose of claiming the benefit must fulfill the definition together with the terms and conditions stated in the policy. Sum insured per illness for each group Group A to Group E Group A to Group E A E Group F to Group G Group F to Group G F G Standard Plan Standard Plan HKD 100,000 HKD 100, ,000 HKD 30,000 HKD 30,000 30,000 Enhanced Plan Enhanced Plan HKD 300,000 HKD 300, ,000 HKD 90,000 HKD 90,000 90,000 Platinum Plan Platinum Plan HKD 500,000 HKD 500, ,000 HKD 150,000 HKD 150, ,000 05

8 Multiple pay benefit Enjoy a prolonged protection along the way Covered by multiple pay benefit, Zurich HealthTotal Critical Illness Insurance Plan offers you thorough protection with a maximum of five illness claims (1)(2)(3) with a total sum of benefits payable up to HKD1.9 million, which can put you at ease even you suffer from critical illness more than once. (1)(2)(3) 190 Multiple pay benefit at a glance Entitle 100% of the sum insured 100% 1 st Claim: 1 Illness from Group F-G F G Entitle 100% of the sum insured 100% 2 nd Claim: 2 Illness from Group F-G F G Entitle 100% of the sum insured* 100% 3 rd Claim: 3 Illness from Group A-E A E Entitle 30% of the sum insured # 30% 5 th Claim: 5 Illness from 4 th Claim: 4 Illness from Group A-E^ A E^ Entitle 30% of the sum insured # 30% Group A-E^ A E^ Policy terminated upon the benefits paid for three major illnesses from Group A to Group E A E A maximum of five illness claims (1)(2)(3) (1)(2)(3) 06

Waiting period (3) required for subsequent claim (3) Preceding claim is from Group A A Group B - E B - E Subsequent claim is for Group A - B A - B Group C - E C - E Group A - E Waiting period

9 Waiting period (3) required for subsequent claim (3) Preceding claim is from Group A A Group B - E B - E Subsequent claim is for Group A - B A - B Group C - E C - E Group A - E Waiting period required Five years One year One year Group F F Group A - G A - G One year (no waiting period required if the subsequent claim is under Group A or Group C for the same organ of the early stage illness previously claimed) ( A C Group G G Group A - G A - G One year Notes: ^ After diagnosis leading to the first time of claim made for any major illnesses under Group A to Group E, no benefit shall be paid for Group E - Loss of Independent Existence, Group E - Terminal Illness or any illness from Group F or Group G. # After diagnosis leading to the first time of claim made for any major illnesses under Group A to Group E, any subsequent claim(s) made for any major illnesses under Group A to Group E shall be 30% of the sum insured per illness. * After the benefit paid for an illness in Group F, the insured person can make another benefit claim from Group A or Group C for the illness arising from the same organ of the early stage illness previously paid, and the benefit payable for the illness is the sum insured as defined under Group A or Group C minus the benefit paid for the preceding early stage illness. Under such circumstances, two benefit claims shall be counted. ^ A E E E F G # A E A E 30% * A C A C 07

Case illustration 1 Multiple pay benefit (Figures below are hypothetical and for illustrative purpose only) Insured person Plan level : Mr Chan, aged 38, Banker : Enhanced plan Payment schedule :

10 Case illustration 1 Multiple pay benefit (Figures below are hypothetical and for illustrative purpose only) Insured person Plan level : Mr Chan, aged 38, Banker : Enhanced plan Payment schedule : Step premium (Sum Insured: Group A to Group E: HKD 300,000; Group F to Group G: HKD90,000) 38 A E 300,000 F G 90,000 3 rd policy year 3 4 th policy year 4 Minimally invasive surgery for Coronary Artery Diseases including Angioplasty (Group F) HKD 90,000 (100% of the sum insured) F 90, % Acute Myocardial Infarction (Group C) HKD 210,000 (100% of the sum insured minus preceding paid early stage illness claim) C 210, % 10 th policy year 10 Leukaemia (Group A) HKD 90,000 (30% of the sum insured) A 90,000 30% 17 th policy year 17 Stroke (Group D) HKD 90,000 (30% of the sum insured) D 90,000 30% Policy terminated upon the benefits paid for three major illnesses from Group A to Group E A E Total benefits paid HKD 480, ,000 Low insurance cost with flexible premium options Most people concern about the insurance cost which could be significant and may cause a burden to family. Understanding your needs for a cost-effective insurance solution, Zurich HealthTotal Critical Illness Insurance Plan provides comprehensive coverage at premium rate as low as HKD30 per month; you can opt for level premium with lower premium locked in at an earlier age (4), so that you could save the budget for a better household living. 30 (4) 08

More than you expected A wise choice for a full family protection Children are the dearest to parents, therefore it is also indispensable to provide an embracing protection to them.

11 More than you expected A wise choice for a full family protection Children are the dearest to parents, therefore it is also indispensable to provide an embracing protection to them. If you and your spouse are both covered under this plan, a maximum of two legal children can also enjoy the benefit with only HKD1 monthly premium for each child (5), fulfilling a whole family protection in a budget-wisely approach. (5) Enhanced protection at your golden era Zurich HealthTotal Critical Illness Insurance Plan also offers more than you expect. With 100% additional sum insured for the next ten years upon your selection of level premium at or before age 35 (6), you can get ready for your golden era with an enhanced protection. Furthermore, the plan also comes with accidental death cover with a benefit of HKD100, (6) 100,000 09

Case illustration 2 Multiple pay benefit for insured person with 100% additional sum insured (Figures below are hypothetical and for illustrative purpose only) Insured person Plan level : Ms Wong,

12 Case illustration 2 Multiple pay benefit for insured person with 100% additional sum insured (Figures below are hypothetical and for illustrative purpose only) Insured person Plan level : Ms Wong, aged 33, Accountant : Platinum plan Payment schedule : Level premium (Sum insured: Group A to Group E: HKD 500,000; Group F to Group G: HKD150,000) (Ms Wong selected level premium payment schedule when she enrolled the plan at aged 24. Therefore, she would be entitled to 100% additional sum insured (6) within the next ten years.) 33 A E 500,000 F G 150, % (6) 2 nd policy year 2 Carcinoma in situ of the Uterus (Group F) HKD 150,000 (100% of the sum insured) Carcinoma in situ of the Breast (Group F) 5 th policy year 5 HKD 150,000 (100% of the sum insured) 6 th policy year 6 Necrotising Fasciitis (Group E) HKD 1,000,000 (100% of the sum insured x 2) 7 th policy year 7 Paralysis due to car accident (Group D) HKD300,000 (30% of the sum insured x 2 ) 9 th policy year 9 Acute Myocardial Infarction (Group C) HKD300,000 (30% of the sum insured x 2 ) Policy terminated upon the benefits paid for three major illnesses from Group A to Group E A E F F E D C 150, % 150, % 1,000, % x 2 300,000 30% x 2 300,000 30% x 2 Total benefits paid HKD 1,900,000 1,900,000 10

13 Plan Summary Issue age Renewable up to Survival period Payment schedule Payment frequency Plan level 15 days 64 years old (age at last birthday) years old (age at last birthday) days (7) 14 (7) Step / level premium Annual / monthly premium Standard Plan / Enhanced Plan / Platinum Plan Sum insured per illness for each group Standard Plan Group A to Group E A E Group F to Group G F G HKD100, ,000 HKD30,000 30,000 Critical illness benefit Enhanced Plan Platinum Plan Group A to Group E A E Group F to Group G F G Group A to Group E A E Group F to Group G F G HKD300, ,000 HKD90,000 90,000 HKD500, ,000 HKD150, ,000 Accidental death benefit Eligibility After the first time of claim made for any major illnesses under Group A to Group E, any subsequent claim(s) made for any major illnesses under Group A to Group E shall be 30% of the sum insured per illness according to the plan level selected. A E A E 30% HKD100,000 for all plan levels 100,000 Both the insured person and policyholder must be Hong Kong Identity Card holders and Hong Kong residents with a permanent address and live in Hong Kong as a usual country of residence. 11

14 12

15 Remarks: (1) Three times of critical illness claims applicable to illnesses from Group A to Group E, in which maximum of one claim can be made under each group of Group B to Group E, whilst maximum of three claims can be made under Group A. For illnesses under Group F and Group G, a maximum of two claims can be paid, in which only one claim can be made for each illness. No benefit shall be paid for illness from Group F or Group G should the preceding eligible benefit paid is from Group A to Group E. (2) The policy will be terminated automatically if the benefit for either one of the following is paid: (i) a maximum of three major illnesses under Group A Group E; or (ii) Group E Terminal illness; or (iii) Group E Loss of Independent Existence; or (iv) Accidental death. (3) The multiple pay benefit is subject to the waiting period conditions: The following is subject to the cancer-free waiting period condition. The cancer-free waiting period must be confirmed by the insured person s treating specialist of relevant western medicine for the whole duration as required herein the provision and supported by clinical, radiological, histological and laboratory evidence to confirm that there is no sign or symptom of any malignant growth or reoccurrence. The cancer-free waiting period shall start on the date the disease is considered to be in remission. - After the diagnosis leading to claim paid for illness in Group A, a five-year cancer-free waiting period is required for any subsequent claim for illness from Group A or Group B, - After the diagnosis leading to claim paid for illness in Group A, a one-year cancer-free waiting period is required for any subsequent claim for illness from Group C to Group E. The following is subject to the one-year waiting period condition. The one-year waiting period means the date of first diagnosis of the subsequent illness should be at least 12 months after the date of diagnosis of the illness of the immediately preceding claim that has been paid. - After the diagnosis leading to claim paid for illness in Group B to Group E, a one-year waiting period is required for any subsequent claim for other groups of illness from Group A to Group E. - After the diagnosis leading to claim paid for illness in Group F, a one-year waiting period is required for any subsequent claim for other groups of illness from Group A to Group G except eligible benefit paid in the preceding claim under Group F which leads to subsequent eligible benefit claim under Group A or Group C for the same organ. - After the diagnosis leading to claim paid for illness in Group G, a one-year waiting period is required for any subsequent claim for other groups of illness from Group A to Group G. (4) Zurich Insurance Company Ltd reserves the right to revise or adjust the premium table according to its applicable premium rate at the time of the premium due date by giving 30 days advance written notice to the policy owner. (5) This benefit is only for a maximum of your two legal children with age between 15 days and 17 years old (both inclusive) at the policy inception date. The plan level of the children selected must be either the Enhanced Plan or the plan level(s) of his/her parents, whichever has the lowest sum insured. (6) The 100% additional sum insured is only applicable to illnesses from Group A to Group E. It is for policy owner who selected level premium payment schedule upon policy inception date (where the insured person must be aged 35 or below) or upon policy anniversary when the insured person attaining the age of 20 or 25 or 30 or 35 years old. This 100% additional sum insured shall be effective for a continuous period of ten years starting from the aforementioned policy inception date or policy anniversary date and subject to the terms and conditions of the policy. (7) 100% of the eligible benefit will be paid after the insured person survives a period not less than 14 days following the diagnosis of such illness. While 50% of the eligible benefit will be paid should the insured person survives a period less than 14 days following the diagnosis of such illness. (1) A E B E A F G A E F G (2) (i) A E (ii) E (iii) E (iv) (3) A A B A C E 12 B E A E F A G F A C G A G (4) 30 (5) (6) 100% A E % (7) % 14 50% Exclusions: a) The signs or symptoms or the diagnosis of which illness first occurred within 90 days immediately following the policy effective date, or the upgrade effective date, or last reinstatement date, whichever is later; except for any illness caused by an accident; b) Any pre-existing condition unless the condition has been declared to and specifically accepted by us; c) An illness caused or aggravated by or associated, whether directly or indirectly, with a congenital or inherited disorder (except Muscular Dystrophy) which existed at the time of birth or has manifested or been diagnosed before the insured person attains age 18; d) Any second or third or subsequent claim made without fulfilling the waiting period conditions for multiple pay benefit; e) Any medical procedure or treatment, which is not medically necessary or not performed by a medical practitioner or a specialist; f) Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex, or infection by Human Immunodeficiency Virus (HIV), except the HIV due to Blood Transfusion and Occupational Acquired HIV as stated in the policy; g) Suicide, attempted suicide, intentional self-inflicted injury or voluntary exposure to an illness, whether the insured person is sane or insane; h) Influence of alcohol or drugs not prescribed by a medical practitioner; i) War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, direct participation in strike, riot or civil commotion or any kinds of participation in any act of terrorism; j) Violation or attempted violation of the law or resistance to arrest or participation in any criminal act; k) Air travel except as a fare-paying passenger in a properly licensed aircraft operated by a licensed commercial air carrier; and l) Riding or driving in any kind of motor racing, or engaging in a sport in a professional capacity or where the insured person would or could earn income or remuneration from engaging in such sport, trekking at an altitude greater than 5,000 meters above sea level or diving to a depth greater than 40 meters below sea level. a) 90 b) c) 18 d) e) f) AIDS HIV g) h) i) j) k) l) This brochure is only an illustration and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document itself which shall prevail in case of inconsistency. Zurich Insurance Company Ltd reserves the right of final approval and decision. (The English version shall prevail in case of inconsistency between the English and Chinese versions.)

危疾指引這份指引可助您了解自己危疾保單內所承保的疾病及療程每種受保的危疾均會加以及我們更會扼要地列出各種除外責任及所須長短我們凡在這份指引中提及專科醫

危疾指引這份指引可助您了解自己危疾保單內所承保的疾病及療程每種受保的危疾均會加以及我們更會扼要地列出各種除外責任及所須長短我們凡在這份指引中提及專科醫危疾指引永明危疾保險驕陽永明, 人生更燦爛危疾指引這份指引可助您了解自己危疾保單內所承保的疾病及療程每種受保的危疾均會加以及我們更會扼要地列出各種除外責任及所須長短我們凡在這份指引中提及專科醫生, 皆指在所索