2 MetLife, Inc. MetLife Limited is a wholly-owned subsidiary of MetLife, Inc. and operates under the MetLife brand in Hong Kong. MetLife, Inc. is the

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1 MetLife Health 139 Critical Illness Protector MetLife Second Chance Coverage Lifelong care with unparalleled health protection

2 2 MetLife, Inc. MetLife Limited is a wholly-owned subsidiary of MetLife, Inc. and operates under the MetLife brand in Hong Kong. MetLife, Inc. is the No.1 life insurance company in the United States (i) and holds leading positions around the world. insurance company No.1life in the United States (i) We all care about our health, but are you sure you have the right coverage that really looks after your needs at every stage of your life? MetLife Health 139 Critical Illness Protector ( MetLife Health 139 ) and its optional benefit MetLife Second Chance Coverage are here to back you up all the way. We care about your health at every stage of your life. Over 14 years of history From 1 days old When the first sign of a health risk appears When more care is needed Even when caught by surprise in a happy way Until age 100 Over 4 countries of operation No.42 on the FORTUNE 00 listing (ii) 91 of the top 100 FORTUNE 00 companies are our clients We cover you against designated Severe Child Critical Illnesses 1, which can take a heavy toll on the young and vulnerable We cover you against designated Minor Critical Illnesses 1 and 60 Early Stage Critical Illnesses with more than one claim We cover you against 70 Late Stage Critical Illnesses with up to a total of 8 claims 2 We even cover you when life catches you by surprise, like the happy problem of giving birth at or over the age of 4 and other miracles in life We cover you with unparalleled protection from 1 days old up to the age of Comprehensive Coverage of 139 Critical Illnesses and up to 800% Protection 4 : US$4.3 trillion of life insurance in-force (iii) Over US$81 billion total assets (iv) (i) LIMRA & MetLife Research 2013 (ii) FORTUNE 00, July 2014, FORTUNE 00 is a registered trademark of FORTUNE magazine, a division of Time, Inc. (iii) As of December 31, 2012 (iv) As of June 30, 2013 MetLife Limited Level 20, Cityplaza 3, 14 Taikoo Wan Road, Taikoo Shing, Hong Kong Tel: (82) Fax: (82) MetLife Health 139 Covers Minor Critical Illnesses Covers 4 Severe Child Critical Illnesses Covers 70 Late Stage Critical Illnesses Critical illness protection of up to 100% of sum assured Happy Baby Benefit Life Benefit MetLife Second Chance Coverage Covers 60 Early Stage Critical Illnesses Up to 2 claims for Early Stage Critical Illnesses 6, 7 Up to 7 claims for 70 Late Stage Critical Illnesses 6, 7 Critical illness protection of up to 700% of sum assured 4 Comprehensive coverage of 139 critical illnesses Up to 800% of sum assured 4 as critical illness protection Happy Baby Benefit Life Benefit

3 3 4 MetLife Health 139 Comprehensive Protection MetLife Health 139 offers coverage for 79 critical illnesses up to the age of 100 3, including specialized protection against certain childhood, female and male illnesses, and Late Stage Critical Illnesses 8. If the insured person is diagnosed with any covered Minor Critical Illnesses, 20% of the sum assured plus a proportionate non-guaranteed special dividend 12, 13 (if any) will be paid 1. As for confirmed diagnosis of any one of the covered Late Stage Critical Illnesses, 100% of the current sum assured plus the accumulated non-guaranteed annual dividend 11, 12 (if any) and non-guaranteed special dividend 12, 13 (if any) will be paid 8. MetLife Health 139 also provides the Second Medical Opinion Service 9 giving the insured person access to a designated medical network for a free consultation. You are Covered at the First Sign of a Health Risk To give you an effective first line of defense, MetLife Health 139 comes with an extensive coverage that includes Carcinoma-in-situ, Coronary Angioplasty and other specified Minor Critical Illnesses. A maximum of 2 claims are available for Coronary Angioplasty and Carcinoma-in-situ 1 respectively. The bad news: there is an increasing risk of critical illnesses striking early, and younger generations can be caught unprepared. The good news: thanks to medical advances, diagnosis and treatment at an early stage are increasing recovery rates. With MetLife Health 139, you can enjoy truly lifelong protection against critical illnesses from 1 days old to the age of To provide you with a solid safeguard, coverage takes effect at the first sign of some health risks, in the form of Minor Critical Illness. Five-year survival rate related to the early discovery of early stage Colorectal Cancer is up to 90% *. Happy Baby Benefit Life is full of surprises. When they come in the form of a new life, bringing surprises to your family plan, don t worry, be happy. The Happy Baby Benefit of US$888 is payable (1) in the event of a multiple birth, (2) if you or your spouse as the new baby s mother is aged 4 or above, or (3) your newly born is the third child of the same gender in succession. Adding Value to Your Policy over Time MetLife Health 139 provides guaranteed cash value 10. It also offers non-guaranteed annual dividends 11, 12 and a non-guaranteed special dividend 12, 13, increasing the value of your savings while you are in good health. Life Benefit Protecting Your Loved Ones In the unfortunate event of the death of the insured person during the policy term, the beneficiary(ies) will receive a Life Benefit 14 equivalent to 100% of the current sum assured, plus accumulated non-guaranteed annual dividends 11, 12 (if any) and non-guaranteed special dividends 12, 13 (if any). Level Premium for Financial Flexibility You can choose from a premium payment term of 10 years, 1 years, or 20 years to enjoy protection up to the age of and pay a level premium 1, so that you can plan your finances ahead. * Source: American Cancer Society, Cancer Facts & Figures 2014.

4 6 MetLife Second Chance Coverage MetLife Second Chance Coverage helps further reinforce your safeguard against critical illnesses. The Early Stage Critical Illness Benefit helps ensure that timely treatments can be received for a covered critical illness at a less severe stage, to increase the chance of full recovery. Our protection even raises the bar in the market with up to 2 claims available (up to 200% of the sum assured in total) 6, 7. As far as Late Stage Critical Illnesses are concerned, more help is also on the way with up to 7 claims 7. With MetLife Second Chance Coverage, you ve got a second chance. In addition to multiple claims, the sum assured for MetLife Second Chance Coverage can be equal to as much as 100% of the basic plan MetLife Health 139 for coverage against both Early Stage and Late Stage Critical Illnesses. This also stands out from the market norm of a maximum of 0% of the basic plan for the Early Stage Critical Illness Benefit. That means you can enjoy higher protection for Early Stage Critical Illnesses without increasing the sum assured and premium for the basic plan. All along the way, we provide you with unparalleled protection to back up your health. Late Stage Critical Illness Benefit When it comes to late stage critical illnesses, the havoc can be disastrous. The bigger the protection, the greater the peace of mind. So, MetLife Second Chance Coverage provides the Late Stage Critical Illness Benefit 6, 7, which offers up to a maximum of 7 claims 6, 7 for 70 Late Stage Critical Illnesses on top of MetLife Health 139. Late Stage Critical Illnesses Maximum Number of Claims Per Disease Group Overall Group 1: Cancer 3 Group 2: Diseases related to organ failure 1 7 Group 3: Diseases related to the heart and blood vessels 1 Group 4: Diseases related to the nervous system 1 Group : Diseases related to neurological degeneration 1 Group 6: Diseases related to musculoskeletal system 1 Group 7: Other diseases 1 Illustrative Examples for MetLife Second Chance Coverage 100 : (All figures below are hypothetical and for illustrative purposes only) Early Stage Critical Illness Benefit Late Stage Critical Illness Benefit Up to 700% Protection 4 against Critical Illnesses No claim 2 claims 200% of Sum Assured 4 7 claims 700% of Sum Assured 4 700% of Sum Assured 4 claims 00% of Sum Assured 4 700% of Sum Assured 4 Early Stage Critical Illness Benefit Today, many forms of critical illnesses can be treated if properly diagnosed at an early stage. That s why MetLife Second Chance Coverage provides the Early Stage Critical Illness Benefit 6, 7 covering 60 Early Stage Critical Illnesses up to the age of 8. Given today s stressful city life, a person can be easily hit by more than one critical illness. As such, this benefit allows up to 2 claims 6, 7. Early Stage Critical Illnesses Maximum Number of Claims Per Disease Group Overall Group 1: Cancer 2 Group 2: Diseases related to organ failure 1 2 Group 3: Diseases related to the heart and blood vessels 1 Group 4: Diseases related to the nervous system 1 Group : Diseases related to neurological degeneration 1 Group 6: Diseases related to the musculoskeletal system 1 Group 7: Other diseases 1 Waiver of Premium for Continuous Protection If the insured person is diagnosed with any one of the covered Late Stage Critical Illnesses before the age of 8, premium payments of MetLife Second Chance Coverage will be waived while the protection continues.

5 Case Studies 7 8 Case 1 (All figures below are hypothetical and for illustrative purposes only) Mr. Wong, married with a son, formerly an IT Manager with a monthly income of HK$42,000 Colorectal cancer is the most common cancer in Hong Kong.^ Case 2 (All figures below are hypothetical and for illustrative purposes only) Ms. Chan, single with retired parents, formerly a Sales Manager with a monthly income of HK$30,000 Breast cancer is the most common cancer for females in Hong Kong. ~ Mr. Wong was diagnosed with Colorectal Cancer at the age of 40. Luckily, he got better after 2 years of treatment. It cost him a total of HK$680,000 in medical treatment and long-term care expenses. During the 2-year treatment period, he couldn t work, but, as the primary bread winner, he had to continue to fulfil his family obligations. Sadly, the heavy financial burden drained all of his hard-earned savings Ms. Chan was diagnosed as having Breast Cancer at the age of 40. Ten years later, she was diagnosed with Less Severe Systemic Lupus Erythematosus. At the age of 60, she was unfortunately diagnosed as having suffered a Stroke. Medical expenses Hospitalization, medical and surgery expenses Long-term care expenses during recovery period Family obligations during the treatment period Mortgage: HK$12,000 x 24 months Employing an overseas domestic helper and son s education: HK$9,000 x 24 months Daily expenses: HK$9,000 x 24 months Total expenses: HK$300,000 HK$380,000 HK$680,000 HK$288,000 HK$216,000 HK$216,000 HK$720,000 HK$1,400,000 With MetLife Health 139 and MetLife Second Chance Coverage, Ms. Chan was able to receive proper treatments in a timely manner with a strong back-up: Sum Assured: MetLife Health 139: MetLife Second Chance Coverage 100 : US$120,000 (around HK$936,000) US$120,000 (around HK$936,000) Monthly Premium: MetLife Health 139: US$247.1 (around HK$1,927) ## MetLife Second Chance Coverage 100 : US$10.7 (around HK$1,17) ## Let s go back in time. When Mr. Wong was 38, if he had successfully applied for both MetLife Health 139 and MetLife Second Chance Coverage, there would have been a big difference: Sum Assured: MetLife Health 139: MetLife Second Chance Coverage 100 : US$90,000 (around HK$702,000) US$90,000 (around HK$702,000) Monthly Premium: MetLife Health 139: US$224.0 (around HK$1,747) # MetLife Second Chance Coverage 100 : US$16.0 (around HK$1,287) # Purchased MetLife Health 139 and MetLife Second Chance Coverage 100 at age 3 Monthly premium: US$397.8 (around HK$3,102) ## Diagnosed with Breast Cancer at age 40 Diagnosed with Less Severe Systemic Lupus Erythematosus at age 0 Diagnosed with a Stroke at age 60 Age When he was diagnosed with Colorectal Cancer, he could have received: MetLife Health 139: US$90, % of the sum assured from the Late Stage Critical Illness Benefit 8 (around HK$702,000) MetLife Second Chance Coverage 100 : US$90, % of the sum assured from the Late Stage Critical Illness Benefit (around HK$702,000) Total = US$180,000 (around HK$1,404,000) MetLife Health 139 Late Stage Critical Illness Benefit 8 100% of Sum Assured i.e. US$120,000 (around HK$936,000) MetLife Second Chance Coverage 100 Late Stage Critical Illness Benefit 100% of Sum Assured i.e. US$120,000 (around HK$936,000) MetLife Second Chance Coverage 100 Early Stage Critical Illness Benefit 100% of Sum Assured i.e. US$120,000 (around HK$936,000) MetLife Second Chance Coverage 100 Late Stage Critical Illness Benefit 100% of Sum Assured i.e. US$120,000 (around HK$936,000) In this case, with the total premium of US$9,336 (around HK$72,821) paid during age (2 years), not only would Mr. Wong have been able to keep his hard-earned savings, but also could have maintained the standard of living. Moreover, MetLife Second Chance Coverage 100 would have continued providing him with coverage for multiple claims 6, 7 against Early Stage and Late Stage Critical Illnesses up to age 8, while the premium would have been waived. Total amount claimed: US$480,000 (around HK$3,744,000) The treatment costs and long-term care expenses that Ms. Chan spent over the years were fully covered. She is now on the way to recovery with peace of mind, and, with extra funds still available after paying all of her medical bills, she enjoys a good life with her parents. # The required monthly premium amounts are based on an example of male, aged 38, non-smoker, 20-year premium payment terms with the sum assured of US$90,000 for both MetLife Health 139 and MetLife Second Chance Coverage 100. The figures may differ slightly from other illustration documents due to rounding differences. ^ Source: Hong Kong Cancer Registry, Hospital Authority (2011 figures) ## The required monthly premium amounts are based on an example of female, aged 3, non-smoker, 20-year premium payment terms with the sum assured of US$120,000 for both MetLife Health 139 and MetLife Second Chance Coverage 100. The figures may differ slightly from other illustration documents due to rounding differences. ~ Source: Hong Kong Cancer Registry, Hospital Authority (2011 figures)

6 9 10 Table 1: Early Stage Critical Illnesses and Late Stage Critical Illnesses Covered Group 1 Cancer Group 2 Diseases related to organ failure Group 3 Diseases related to the heart and blood vessels Group 4 Diseases related to the nervous system MetLife Second Chance Coverage MetLife Health 139 MetLife Second Chance Coverage 60 Early Stage Critical Illnesses Covered 70 Late Stage Critical Illnesses Covered 1. Early Stage Malignancy 1. Life-threatening Cancer 2. Biliary Tract Reconstruction Surgery 2. Acquired Immune Deficiency Syndrome (AIDS) Due to Blood Transfusion 3. Chronic Auto-immune Hepatitis 3. Acute Necrohemorrhagic Pancreatitis 4. Chronic Lung Disease 4. Aplastic Anaemia. Hepatitis with Cirrhosis. Cardiomyopathy 6. Less Severe Aplastic Anaemia 6. Chronic Liver Failure 7. Less Severe Coma 7. Coma 8. Less Severe Kidney Disease 8. End Stage Lung Disease 9. Less Severe Systemic Lupus Erythematosus 9. Fulminant Viral Hepatitis 10. Liver Surgery 10. Kidney Failure 11. Moderately Severe Crohn s Disease 11. Loss of Independent Existence Moderately Severe Ulcerative Colitis 12. Medullary Cystic Disease 13. Secondary Pulmonary Hypertension 13. Major Organ Transplantation 14. Surgical Removal of One Lung 14. Occupationally Acquired Human Immunodeficiency Virus (HIV) 1. Pulmonary Arterial Hypertension (Primary) 16. Resection of the Whole Small Intestine (duodenum, jejunum and ilium) 17. Severe Crohn s Disease 18. Severe Ulcerative Colitis 19. Systemic Lupus Erythematosus (SLE) with Lupus Nephritis 20. Total Pancreatectomy 1. Angioplasty or Endarterectomy for Carotid Arteries 21. Brugada Syndrome Requiring Defibrillator Insertion 16. Cardiac Pacemaker or Defibrillator Insertion 22. Coronary Artery By-pass Surgery 17. Emergency Intravenous Anti-arrhythmic Therapy for Ventricular Tachycardia or 23. Dissecting Aortic Aneurysm Fibrillation 18. Endovascular Treatments of Aortic Disease or Aortic Aneurysm 24. Eisenmenger s Syndrome 19. Endovascular Treatment of Peripheral Arterial Disease 2. First Heart Attack 20. Insertion of a Veno-cava Filter 26. Heart Valve Replacement 21. Less Invasive Treatments of Heart Valve Disease 27. Infective Endocarditis 22. Minimally Invasive Direct Coronary Artery By-pass 28. Other Serious Coronary Artery Disease 23. Moderately Severe Infective Endocarditis 29. Surgery for Disease of Aorta 24. Pericardiectomy 30. Temporal Arteritis or Cranial Arteritis 2. Cerebral Shunt Insertion 31. Accidental Fracture of Spinal Column Early Amyotrophic Lateral Sclerosis 32. Amyotrophic Lateral Sclerosis 27. Early Motor Neurone Disease 33. Apallic Syndrome 28. Early Multiple Sclerosis 34. Bacterial Meningitis 29. Early Progressive Bulbar Palsy 3. Benign Brain Tumor 30. Early Progressive Supranuclear Palsy^^ 36. Cerebral Aneurysm Requiring Surgery 31. Early Spinal Muscular Atrophy^^ 37. Encephalitis 32. Early Tuberculous Myelitis 38. Major Head Trauma Group Diseases related to neurological degeneration Group 6 Diseases related to the musculoskeletal system Group 7 Other diseases 33. Endovascular Treatment for Cerebral Aneurysm 39. Motor Neurone Disease 34. Less Severe Bacterial Meningitis 40. Multiple Sclerosis 3. Less Severe Encephalitis 41. Paralysis 36. Moderately Severe Brain Damage 42. Poliomyelitis 37. Moderately Severe Paralysis 43. Progressive Bulbar Palsy 38. Moderately Severe Poliomyelitis 44. Progressive Supranuclear Palsy 39. Severe Epilepsy 4. Spinal Muscular Atrophy^^ 40. Surgery for Subdural Haematoma 46. Stroke 47. Tuberculous Meningitis 41. Moderately Severe Creutzfeld-Jacob Disease 48. Advanced Dementia (CJD) (including Alzheimer s Disease) Moderately Severe Parkinson s Disease 49. Creutzfeld-Jacob Disease 0. Parkinson s Disease 43. Early Systemic Scleroderma 1. Muscular Dystrophy 44. Moderate Severe Ankylosing Spondylitis 2. Necrotising Fasciitis 4. Moderately Severe Muscular Dystrophy^^ 3. Psoriasis Arthritis 46. Moderately Severe Rheumatoid Arthritis 4. Severe Ankylosing Spondylitis 47. Osteoporosis with Fractures. Severe Myasthenia Gravis 6. Severe Osteoporosis 7. Severe Rheumatoid Arthritis 8. Systemic Scleroderma 48. Adrenalectomy for Adrenal Adenoma 9. Amputation of Feet Due to Complication from Diabetes 49. Amputation of Four Fingers of Both Hands 60. Blindness 0. Cochlear Implant Surgery 61. Chronic Adrenal Insufficiency (Addison s Disease) 1. Diabetic Retinopathy 62. Deafness 2. Facial Burns Due to Accident 63. Ebola 3. Grade 4 Hypertensive Retinopathy 64. Elephantiasis 4. Loss of Hearing in One Ear 6. Loss of Limbs. Loss of One Limb 66. Loss of Speech 6. Loss of Sight in One Eye 67. Major Burns 7. Loss of Speech Due to Vocal Cord Paralysis 68. Pheochromocytoma 8. Optic Nerve Atrophy with Low Vision 69. Severe Primary Thrombocythaemia 9. Surgical Removal of Pituitary Tumor 70. Terminal Illness 60. Wegener s Granulomatosis Table 2: Minor Critical Illnesses and Severe Child Critical Illnesses Covered MetLife Health 139 Minor Critical Illnesses Covered Severe Child Critical Illnesses Covered 3 1. Carcinoma in situ 1. Insulin Dependent Diabetes Mellitus 2. Coronary Angioplasty 2. Kawasaki Disease with Heart Complications 3. Facial Reconstructive Surgery for Injury Due to Accident 3. Osteogenesis Imperfecta Type III 4. Major Organ Transplantation (on Waiting List) 4. Still's Disease. Skin Transplantation for Injury Due to Accident ^^ Only an insured person aged above on the 1 st confirmed diagnosis of this critical illness is eligible to claim for the relevant benefit. + Only an insured aged 6 or below on the 1 st confirmed diagnosis of this critical illness is eligible to claim for the relevant benefit. ++ Only an insured aged between 6 and 80 on the 1 st confirmed diagnosis of this critical illness is eligible to claim for the relevant benefit.

7 11 Remarks: 1. Once the Severe Child Critical Illness Benefit or Minor Critical Illness Benefit of MetLife Health 139 is paid, the current sum assured, guaranteed cash value, non-guaranteed annual dividend, non-guaranteed special dividend and premium under MetLife Health 139 thereafter shall be reduced in proportion accordingly. For the first confirmed diagnosis of any covered Severe Child Critical Illness or Minor Critical Illness, 20% of the sum assured, subject to a maximum of US$0,000 per condition per life, plus a proportionate amount of the non-guaranteed special dividend (if any) less any indebtedness will be payable. Except for the first confirmed diagnosis of Coronary Angioplasty and Carcinoma-in-situ, the Minor Critical Illness Benefit of MetLife Health 139 is payable once only for each condition. A maximum of 2 claims is payable for Coronary Angioplasty and Carcinoma-in-situ respectively. Terms and conditions of benefits and exclusions apply. Please refer to the respective Policy Provisions for details. 2. Up to 8 claims for the Late Stage Critical Illness Benefit can be made in total including 1 claim for the Late Stage Critical Illness Benefit under MetLife Health 139 and up to 7 claims for the Late Stage Critical Illness Benefit under MetLife Second Chance Coverage. Terms and conditions of benefits and exclusions apply. Please refer to the respective Policy Provisions for details. 3. The coverage of the Severe Child Critical Illness Benefit of MetLife Health 139 will cease when the insured person attains the age of 18. Upon the policy anniversary immediately following the insured person s 100 th birthday, the policy of MetLife Health 139 will automatically terminate. The policy of MetLife Second Chance Coverage will automatically terminate on its anniversary immediately following the insured person s 8 th birthday or surrender of the MetLife Health 139, whichever is earlier. 4. The figures are for illustrative purposes only and based on the assumption that the amounts of sum assured of MetLife Health 139 and MetLife Second Chance Coverage remain unchanged throughout the policy term. Please note that the amounts of sum assured for MetLife Health 139 and MetLife Second Chance Coverage may be different. Sum assured mentioned in this brochure refers to the Sum Assured defined in the Policy Provisions of MetLife Health 139 and the Benefit Amount defined in the Policy Provisions of MetLife Second Chance Coverage. Terms and conditions of benefits and exclusions apply. Please refer to the respective Policy Provisions for details.. Two options for MetLife Second Chance Coverage are available, including MetLife Second Chance Coverage 100 and MetLife Second Chance Coverage 0. If MetLife Second Chance Coverage 100 is selected, 100% of the sum assured under MetLife Second Chance Coverage less any indebtedness will be payable for the first confirmed diagnosis of any covered Early Stage Critical Illnesses or Late Stage Critical Illnesses suffered by the insured person. If MetLife Second Chance Coverage 0 is selected, 0% of the sum assured under MetLife Second Chance Coverage less any indebtedness will be payable for the first confirmed diagnosis of any covered Early Stage Critical Illnesses, and 100% of the sum assured under MetLife Second Chance Coverage less the benefit payment for the Early Stage Critical Illness Benefit of MetLife Second Chance Coverage 0 (if any) (if both conditions relating to the preceding payment of the Early Stage Critical Illness Benefit and the subsequent claim(s) of the Late Stage Critical Illness Benefit fall within Disease Group 1 and are first confirmed diagnosed in the same organ; or if both conditions relating to the preceding payment of the Early Stage Critical Illness Benefit and the subsequent claim(s) of the Late Stage Critical Illness Benefit fall within the same group other than Disease Group 1) less any indebtedness will be payable for the first confirmed diagnosis of any covered Late Stage Critical Illnesses. 6. Covered critical illnesses are classified into 7 Disease Groups. For Disease Group 1, the Early Stage Critical Illness Benefit and the Late Stage Critical Illness Benefit can be claimed for up to a maximum of 3 different organs in total; and the benefit payment for the preceding claim of the Early Stage Critical Illness Benefit shall be deducted from the benefit payment for the Late Stage Critical Illness Benefit if the subsequent claim is for the same organ. For Disease Groups 2 to 7, a maximum of 1 claim in the Late Stage Critical Illness Benefit is payable for each of the Disease Groups; and the benefit payment for the preceding claim of the Early Stage Critical Illness Benefit shall be deducted from the benefit payment for the Late Stage Critical Illness Benefit if the subsequent claim is for the same Disease Group. The overall maximum numbers of claims for the Early Stage Critical Illness Benefit and the Late Stage Critical Illness Benefit are 2 times and 7 times respectively. The policy of MetLife Second Chance Coverage 100 will automatically terminate, when the aggregate number of payments of the Early Stage Critical Illness Benefit and the Late Stage Critical Illness Benefit is equal to 7 times. The policy of MetLife Second Chance Coverage 0 will automatically terminate, when 7 times of the Late Stage Critical Illness Benefit become payable. Terms and conditions of benefits and exclusions apply. Please refer to the respective Policy Provisions for details. 7. When MetLife Second Chance Coverage 100 is selected, if the preceding claim is from Disease Group 1 and the subsequent claim is from Disease Group 1 or 2, the first confirmed diagnosis of the condition of the subsequent claim shall be at least years after the first confirmed diagnosis of the condition of the preceding claim. If the preceding claim is from Disease Group 1 and the subsequent claim is from Disease Groups 3 to 7, the first confirmed diagnosis of the condition of the subsequent claim shall be at least 1 year after the first confirmed diagnosis of the condition of the preceding claim. If the preceding claim is from Disease Groups 2 to 7, the first confirmed diagnosis of the condition of the subsequent claim shall be at least 1 year after the first confirmed diagnosis of the condition of the preceding claim. When MetLife Second Chance Coverage 0 is selected, if the preceding claim is from Disease Group 1 and the subsequent claim is from Disease Group 1 or 2, the first confirmed diagnosis of the condition of the subsequent claim shall be at least years after the first confirmed diagnosis of the condition of the preceding claim, subject to an exception of an event that both conditions relating to the preceding payment of the Early Stage Critical Illness Benefit and the subsequent claim of the Late Stage Critical Illness Benefit fall within Group 1 and are first confirmed diagnosed in the same organ. If the preceding claim is from Disease Group 1 and the subsequent claim is from Disease Groups 3 to 7, the first confirmed diagnosis of the condition of the subsequent claim shall be at least 1 year after the first confirmed diagnosis of the condition of the preceding claim. If the preceding claim is from Disease Groups 2 to 7, the first confirmed diagnosis of the condition of the subsequent claim shall be at least 1 year after the first confirmed diagnosis of the condition of the preceding claim, subject to an exception of an event that both conditions relating to the preceding payment of the Early Stage Critical Illness Benefit and the subsequent claim of the Late Stage Critical Illness Benefit fall within the same group. 8. If the insured person is first confirmed to be diagnosed with any covered Late Stage Critical Illness, the amount equal to the current sum assured under MetLife Health 139, plus the accumulated non-guaranteed annual dividend (if any) and non-guaranteed special dividend (if any) less any indebtedness will be payable. The Late Stage Critical Illness Benefit of MetLife Health 139 is payable once only. When the Late Stage Critical Illness Benefit becomes payable, the coverage under MetLife Health 139 will automatically terminate. 9. The Second Medical Opinion Service is provided for the first claim of the Late Stage Critical Illness Benefit only. It is currently provided by Inter Partner Assistance Hong Kong Ltd. ( IPA ). MetLife shall not be liable for any matters in respect of any services provided therein including but not limited to the quality and/or appropriateness and/or suitability of the medical prescriptions, supplies, procedures, treatments, facilities and services as suggested, recommended or offered by IPA. MetLife Limited reserves the right to change the service provider and its scope of service at any time. 10. For the guaranteed cash value you are entitled to, please refer to the relevant illustration document of MetLife Health The non-guaranteed annual dividends will be declared annually (if any) starting from the 3 rd policy year and the policyowner may choose to withdraw them in cash or leave them in the policy. 12. Dividends (including the annual dividend and special dividend), the respective dividend rates and the dividend accumulation rate are not guaranteed and may change during the policy term. The payment of dividends and their respective amounts under participating policies issued by MetLife Limited is subject to a number of factors, including (a) the performance of the investment of the relevant assets; (b) policy persistency (c) operating expenses; and (d) claims experience in respect of such policies. Any dividends declared in the future may be lower or higher than those values illustrated on the illustration document; past performance is not indicative of future performance. 13. The non-guaranteed special dividend will be payable when the policy of MetLife Health 139 has been in-force for 10 years or more upon the payment of Minor Critical Illness Benefit, Severe Child Critical Illness Benefit or Late Stage Critical Illness Benefit of MetLife Health 139 or death of the insured person, or upon surrender or maturity of the policy. 14. Any indebtedness (if any) will be deducted from the Life Benefit. If the insured person commits suicide within the first 13 months from the issue date or the effective date of reinstatement, no Life Benefit shall be payable. In such event, MetLife Limited shall only refund the total premiums paid (less any indebtedness) to the policyowner. The policies of MetLife Health 139 and MetLife Second Chance Coverage will automatically terminate upon death of the insured person. 1. The premium rates are non-guaranteed. MetLife Limited reserves the right to adjust the rate of premium by giving 2 months prior notice in writing to the policyowner if, in pursuant to the underwriting policy of MetLife Limited, MetLife Limited has decided to adjust the premium rate applicable to a category of insured persons and the insured person falls within that category. Any condition manifesting itself within 90 days from the issue date of MetLife Health 139 or the effective date of MetLife Second Chance Coverage, or within 90 days from the effective date of reinstatement will not be covered. Important Notes: The above information is intended for reference only. Please refer to the relevant Policy Provisions of MetLife Health 139 and MetLife Second Chance Coverage for detailed terms, conditions and exclusions. MetLife Health 139 is an insurance plan with a savings element. Part of the premium pays for the insurance and related costs. The savings component of MetLife Health 139 is subject to risk and possible loss. Should you terminate the policy before maturity, you may receive an amount less than your total premiums paid. MetLife Limited reserves the right to make the payment of surrender value for a period not exceeding 6 months from the effective date of surrender. If you are not happy with your policy, you have the right to cancel it within the Cooling-off Period and obtain a refund of any premiums paid provided that you have not made any claims under the policy. A written notice signed by you together with the policy must be received by MetLife Limited at its Hong Kong office within the Cooling-off Period (that is, 21 days after the delivery of the policy or the issue of a Notice informing you/your representative about the availability of the policy and the expiry date of the Cooling-off Period, whichever is earlier). After the expiration of the Cooling-off Period, if you cancel the policy before the end of the policy term as set out in the policy document, the projected total cash value payable (if any) may be less than the total premiums you have paid. MetLife Limited is the insurance underwriter of MetLife Health 139 and MetLife Second Chance Coverage, and is solely responsible for all content, approvals, coverage and benefit payment. MetLife Limited is a wholly-owned subsidiary of MetLife, Inc. in Hong Kong and operates under the MetLife brand. MetLife Limited is a private company limited by shares. The registered office is Level 20, Cityplaza 3, 14 Taikoo Wan Road, Taikoo Shing, Hong Kong. In case of any discrepancy between the English and Chinese versions of this brochure, the English version shall prevail. Foreign Tax Reporting and Withholding Obligations MetLife Limited may from time to time be subject to various tax reporting and withholding obligations imposed by the foreign laws, intergovernmental agreements, and agreements with foreign governments or tax authorities, including the Foreign Account Tax Compliance Act of 2010 and the United States Treasury Regulations promulgated thereunder. For the purpose of compliance with the above, MetLife Limited may be required to disclose any and all of your policy information to any governments or tax authorities, including your citizenships and tax residency. MetLife Limited would therefore require you (and any other person who is entitled to access the policy value, change a beneficiary, or claim or receive a benefit payment) to provide MetLife Limited with all necessary information, update MetLife Limited promptly of any changes thereto, and complete and sign such documents as MetLife Limited may require. If you or any such other person fails to do so, MetLife Limited will have the right to deduct or withhold such amount(s) from any payment under the policy, or provide your policy information to such government or tax authorities as may be required. If you have any doubt on the impact on you or your tax position, you should seek independent professional advice. PEANUTS 2014 Peanuts Worldwide LLC HK-MKT-AG-CC6LL 備註 : 1. 當 MetLife 健康 139 的嚴重兒童危疾保障或非嚴重危疾保障一經支付, 以後的現時保險金額 保證現金價值 非保證年度紅利 非保證特別紅利及保費將會按比例減少 若受保人被首次明確診斷患上任何受保嚴重兒童危疾或非嚴重危疾, 將獲支付一筆相等於保險金額 20%( 每位受保人每一項傷病的賠償上限為 0,000 美元 ) 的金額, 加上按比例派發的非保證特別紅利 ( 如有 ), 減去任何負債 除冠狀動脈血管成形術及原位癌外,MetLife 健康 139 只會就每一項傷病作出非嚴重危疾保障賠償一次 冠狀動脈血管成形術及原位癌更可分別索償高達 2 次 須符合此保障之條款 細則及不保事項, 詳情請參閱有關保單條款 2. 晚期危疾保障賠償次數總共可高達 8 次, 包括 MetLife 健康 139 的 1 次晚期危疾保障賠償及 MetLife 健康加倍保的 7 次晚期危疾保障賠償 須符合此保障之條款 細則及不保事項, 詳情請參閱有關保單條款 3. MetLife 健康 139 的嚴重兒童危疾保障將於受保人 18 歲時自動終止 MetLife 健康 139 的保單將於受保人 100 歲生日當天緊接其後的保單週年日自動終止 MetLife 健康加倍保的保單將於受保人 8 歲生日當天緊接其後的保單週年日或 MetLife 健康 139 的保單退保時( 以較早者為準 ) 自動終止 4. 有關數字只作舉例說明之用, 並假設 MetLife 健康 139 及 MetLife 健康加倍保的保險金額於保單期內維持不變 請注意,MetLife 健康 139 及 MetLife 健康加倍保的保險金額可能不相同 本刊物所提及的 保險金額, 是指 MetLife 健康 139 保單條款中所定義的 保險金額 及 MetLife 健康加倍保保單條款中所定義的 保障金額 須符合此保障之條款 細則及不保事項, 詳情請參閱有關保單條款. MetLife 健康加倍保提供 MetLife 健康加倍保 100 及 MetLife 健康加倍保 0 兩個選擇 若選擇 MetLife 健康加倍保 100, 一旦受保人被首次確診患上任何受保早期危疾保障或晚期危疾保障, 將獲支付一筆相等於 MetLife 健康加倍保的保險金額 100% 的金額, 減去任何負債 若選擇 MetLife 健康加倍保 0, 一旦受保人被首次確診患上任何受保早期危疾保障, 將獲支付一筆相等於 MetLife 健康加倍保的保險金額 0% 的金額, 減去任何負債 ; 一旦受保人被首次確診患上任何受保晚期危疾保障, 將獲支付一筆相等於 MetLife 健康加倍保的保險金額 100% 減去 MetLife 健康加倍保之早期危疾保障賠償的金額 ( 若有關之前已支付或應支付保障賠償的早期危疾保障的傷病及申請賠償的晚期危疾保障的傷病均來自組別 1 及被確診發生在相同器官 ; 或若有關之前已支付或應支付保障賠償的早期危疾保障的傷病及申請賠償的晚期危疾保障的傷病均來自相同及非疾病組別 1 的疾病組別 ( 疾病組別 2 至 7)), 減去任何負債 6. 受保危疾被分為 7 個疾病組別 就疾病組別 1, 早期危疾保障加上晚期危疾保障總共只會就最多 3 個不同器官作出賠償 ; 如晚期危疾保障賠償的傷病是發生於與之前已支付早期危疾保障賠償相同的器官, 則已支付的早期危疾保障賠償金額將從晚期危疾保障賠償中扣除 就疾病組別 2 至 7, 每個疾病組別的晚期危疾保障最多賠償 1 次 ; 如晚期危疾保障賠償的傷病是來自與之前已支付的早期危疾保障賠償相同的疾病組別, 則已支付早期危疾保障賠償金額將從晚期危疾保障賠償中扣除 總括而言, 早期危疾保障總共最多可獲賠償 2 次, 而晚期危疾保障總共最多可獲賠償 7 次 就 MetLife 健康加倍保 100, 當應支付的早期危疾保障加上晚期危疾保障的總賠償次數達 7 次, 保單將自動終止 ; 就 MetLife 健康加倍保 0, 當應支付的晚期危疾保障的總賠償次數達 7 次, 保單將自動終止 須符合此保障之條款 細則及不保事項, 詳情請參閱有關保單條款 7. 若選擇 MetLife 健康加倍保 100, 如之前的賠償是來自疾病組別 1, 及其後申請賠償的傷病來自疾病組別 1 或 2, 則其後申請賠償的首次確診日期, 跟之前已支付或應支付賠償的首次確診日期, 最少相隔 年 ; 如其後申請賠償的傷病來自疾病組別 3 至 7, 則其後申請賠償的首次確診日期, 跟之前已支付或應支付賠償的首次確診日期, 最少相隔 1 年 如之前已支付或應支付保障賠償的傷病來自疾病組別 2 至 7, 其後申請賠償的首次確診日期, 跟之前已支付或應支付賠償的首次確診日期, 最少相隔 1 年 若選擇 MetLife 健康加倍保 0, 如之前的賠償是來自疾病組別 1, 及其後申請賠償的傷病來自疾病組別 1 或 2, 則其後申請賠償的首次確診日期, 跟之前已支付或應支付賠償的首次確診日期, 最少相隔 年, 而若有關之前已支付或應支付保障賠償的早期危疾保障的傷病及申請賠償的晚期危疾保障的傷病均來自疾病組別 1 及被確診發生在相同器官則不受此限 如其後申請賠償的傷病來自疾病組別 3 至 7, 則其後申請賠償的首次確診日期, 跟之前已支付或應支付賠償的首次確診日期, 最少相隔 1 年 如之前已支付或應支付保障賠償的傷病來自疾病組別 2 至 7, 其後申請賠償的首次確診日期, 跟之前已支付或應支付賠償的首次確診日期, 最少相隔 1 年, 而若有關之前已支付或應支付保障賠償的早期危疾保障的傷病及申請賠償的晚期危疾保障的傷病均來自相同組別則不受此限 8. 受保人被首次確診患上任何受保晚期危疾, 將獲得相等於 MetLife 健康 139 的現時保險金額 100%, 再加上累積的非保證年度紅利 ( 如有 ) 及非保證特別紅利 ( 如有 ), 減去任何負債 MetLife 健康 139 只會就晚期危疾保障作出賠償一次 一經支付晚期危疾保障賠償,MetLife 健康 139 的保單將自動終止 9. 第二醫療意見服務只會於晚期危疾保障的首次賠償時提供 第二醫療意見服務現時由 Inter Partner Assistance Hong Kong Ltd.( IPA ) 提供, 有關其提供的任何服務之任何事宜, 包括但不限於由 IPA 建議 推介或提供的醫療處方 儀器 程序 療法 設備及服務的質素和 / 或合適性和 / 或適當性, 大都會人壽保險有限公司概不負責 大都會人壽保險有限公司保留隨時更改服務提供者及其服務範圍之權利 10. 有關保證現金價值的金額, 請參閱 MetLife 健康 139 的相關說明文件 11. 非保證年度紅利將由第 3 個保單年度開始每年派發 ( 如有 ), 保單持有人可選擇以現金支取或保留於保單內 12. 紅利 ( 包括年度紅利及特別紅利 ) 相關紅利率及積存紅利的年利率並非保證及可能會於保單期內更改 由大都會人壽保險有限公司所簽發的可分紅保單會否派發年度紅利及特別紅利及所派發年度紅利及特別紅利之金額受若干因素影響, 包括 :(a) 有關資產之投資表現 ;(b) 保單續保率 ;(c) 營運開支 ; 及 (d) 該等可分紅保單之索償紀錄 將來派發之任何紅利可能會低於或高於說明文件上所顯示之數值 ; 過往表現亦非日後表現之指標 13. 非保證特別紅利將於 MetLife 健康 139 的保單已生效 10 年或以上 MetLife 健康 139 的非嚴重危疾保障 嚴重兒童危疾保障或晚期危疾保障理應索賠 受保人身故或保單退保或期滿時派發 14. 任何負債 ( 如有 ) 將於人壽保障金額內扣除 如受保人於保單的簽發日期或復效生效日起計 13 個月內自殺身故, 將不會獲發人壽保險賠償, 大都會人壽保險有限公司只會退回已繳付的總保費 ( 減去任何負債 ) 予保單持有人 當受保人身故,MetLife 健康 139 及 MetLife 健康加倍保的保單將自動終止 1. 保費率並非保證 若因應大都會人壽保險有限公司之承保指引, 在 MetLife 健康 139 或 MetLife 健康加倍保下之所有同類受保人士的保費進行調整, 大都會人壽保險有限公司保留權利在提前兩個月向保單持有人發出書面通知修訂保費 任何於 MetLife 健康 139 /MetLife 健康加倍保的保單簽發日期 / 生效起計 90 內, 或相關保單復效生效日起計 90 內已首次出現的病徵或症狀均不受保 重要注意事項 : 以上所載資料僅供參考之用 所有內容 條款及不保事項概以 MetLife 健康 139 及 MetLife 健康加倍保之保單條款所載為準 MetLife 健康 139 為包含儲蓄成分之保險計劃 部分保費是用作支付保險及有關費用 MetLife 健康 139 之儲蓄成分涉及風險及閣下可能蒙受虧損 若閣下於保單到期日前終止保單, 閣下取回的金額可能低於已繳付的總保費 大都會人壽保險有限公司保留權利, 於不超過自退保生效日起計 6 個月期限支付退保價值 如閣下對保單並非完全滿意, 則在閣下未曾在本保單下作出過任何索償的前提下, 可在 冷靜期 內要求取消保單, 並獲退還已繳保費 閣下必須於 冷靜期 ( 保單交付給閣下 / 閣下的代表或 通知書 ( 說明已經可領取保單和 冷靜期 的屆滿日 ) 發予閣下 / 閣下的代表後起計的 21 天內, 以較早者為準 ) 內提交簽署的書面通知, 並連同保單送達大都會人壽保險有限公司的香港辦事處 當 冷靜期 屆滿後, 如閣下於保單文件中所列之保單到期日前取消保單, 該退保價值 ( 如有 ) 或會少於閣下所繳付的總保費 大都會人壽保險有限公司為 MetLife 健康 139 及 MetLife 健康加倍保之承保人, 全面負責一切計劃內容 保單批核 保障及賠償事宜 大都會人壽保險有限公司為美國 MetLife, Inc. 於香港的全資附屬公司, 以 MetLife 品牌經營業務 大都會人壽保險有限公司為私人股份有限公司, 登記地址為香港太古城太古灣道 14 號太古城中心 3 座 20 樓 本刊物之中英文版本如有任何歧異, 概以英文版本為準 外國稅務申報及預扣義務 大都會人壽保險有限公司可能會不時受制於外國法律 政府間協議 及與外國政府或稅務機關的協議, 包括 2010 年的 外國帳戶稅務遵守法案 及按該法案頒布的美國財政部規例 為著遵守上述之法規, 大都會人壽保險有限公司可能被要求向任何政府或稅務機關披露閣下任何或全部保單資料, 包括閣下的國籍及稅務居留地 因此, 大都會人壽保險有限公司有權要求閣下 ( 及任何獲得本保單價值 或者更改受益人 或者申索或收取本保單項下的給付利益之人士 ) 應相關要求向大都會人壽保險有限公司提供所有必要的資料 即時告知大都會人壽保險有限公司任何變更和填寫及簽署所需文件 如果閣下或任何所述人士未能作出相關行動, 大都會人壽保險有限公司將有權按需要從根據本保單應給付的任何款項之中扣除或預扣有關款項或將閣下的保單資料提供給相關政府或稅務機關 如果閣下對其本人或其稅務狀況的影響有所疑問, 閣下應該尋找獨立的專業意見 11

8 10 9 表一 : 受保早期危疾及晚期危疾 組別 與神經系統退化有關的疾病 組別 6 與肌肉及骨骼有關的疾病 組別 7 其他疾病 表二 : 受保非嚴重危疾及嚴重兒童危疾 3. 次級嚴重腦炎 41. 癱瘓 36. 中度嚴重腦部損傷 42. 脊髓灰質炎 37. 中度嚴重癱瘓 43. 進行性延髓痳痺症 38. 中度嚴重脊髓灰質炎 44. 進行性核上性痳痺 39. 嚴重癲癇 ^^ 4. 脊髓肌肉萎縮症 40. 腦硬膜下血腫手術 46. 中風 47. 結核性腦膜炎 41. 中度嚴重庫賈氏症 48. 腦退化症 ( 包括亞耳滋海氏症 ) 中度嚴重柏金遜症 49. 克雅二氏病 0. 柏金遜症 43. 早期系統性硬皮病 1. 肌肉營養不良症 44. 中度嚴重僵直性脊椎炎 2. 壞死性筋膜炎 ^^ 4. 中度嚴重肌營養不良症 3. 牛皮癬關節炎 46. 中度嚴重類風濕關節炎 4. 嚴重僵直性脊椎炎 47. 骨質疏鬆症連骨折. 嚴重重症肌無力 6. 嚴重骨質疏鬆 7. 嚴重類風濕關節炎 8. 系統性硬皮病 48. 因腎上腺腺瘤的腎上腺切除術 9. 糖尿病併發症引致的腳部截肢 49. 雙手四手指截肢 60. 失明 0. 植入人工耳蝸手術 61. 慢性腎上腺功能不全 ( 愛狄信病 ) 1. 糖尿病視網膜病變 62. 失聰 2. 意外引致的臉部燒傷 63. 伊波拉病毒 3. 第四級高血壓視網膜病變 64. 象皮病 4. 單耳失聰 6. 斷肢. 失去一肢 66. 喪失語言能力 6. 單眼失明 67. 嚴重燒傷 7. 因聲帶痳痺導致喪失說話能力 68. 嗜鉻細胞瘤 8. 視神經萎縮導致低視力 69. 嚴重原發性血小板過多症 9. 腦下垂體腫瘤切除手術 70. 末期疾病 60. 韋格納肉芽腫 受保非嚴重危疾 MetLife 健康 原位癌 1. 胰島素依賴型糖尿病 2. 冠狀動脈血管成形術 2. 俱心臟併發症的川崎病 3. 意外受傷所需的面容重建手術 3. 成骨不全症第三型 4. 主要器官移植 ( 於器官移植輪候冊名單上 ) 4. 斯蒂爾病. 意外受傷所需的皮膚移植 ^^ 受保人首次確診患上此危疾的年齡必須為 歲以上, 才合資格索償相關保險賠償 + 受保人首次確診患上此危疾的年齡必須為 6 歲或以下, 才合資格索償相關保險賠償 ++ 受保人首次確診患上此危疾的年齡必須介乎 6 至 80 歲, 才合資格索償相關保險賠償 3 受保嚴重兒童危疾 組別 1 癌症 組別 2 與器官衰竭有關的疾病 組別 3 與心臟及血管有關的疾病 組別 4 與神經系統有關的疾病 MetLife 健康加倍保 MetLife 健康 139 MetLife 健康加倍保 60 種受保早期危疾 70 種受保晚期危疾 1. 早期惡性腫瘤 1. 致命癌症 2. 膽道重建手術 2. 因輸血而導致的愛滋病 3. 慢性自體免疫肝炎 3. 急性壞死及出血性胰腺炎 4. 慢性肺病 4. 再生障礙性貧血. 肝炎連肝硬化. 心肌病 6. 次級嚴重再生障礙性貧血 6. 慢性肝衰竭 7. 次級嚴重昏迷 7. 昏迷 8. 次級嚴重腎臟疾病 8. 末期肺病 9. 次級嚴重系統性紅斑狼瘡 9. 暴發性病毒性肝炎 10. 肝臟手術 10. 腎衰竭 11. 中度嚴重克隆氏症 不能獨立生活 12. 中度嚴重潰瘍性結腸炎 12. 腎髓質囊腫性病 13. 次發性肺動脈高血壓 13. 主要器官移植 14. 單肺切除手術 14. 因職業感染人類免疫缺陷病毒 1. 肺動脈高血壓 ( 原發性 ) 16. 切除全部小腸 ( 十二指腸 空腸及迴腸 ) 17. 嚴重克隆氏症 18. 嚴重潰瘍性結腸炎 19. 系統性紅斑狼瘡連狼瘡性腎炎 20. 胰臟全切除 1. 於頸動脈進行血管成形術或動脈內膜切除術 21. Brugada 症候群需植入去顫器 16. 植入心臟起搏器或除纖顫器 22. 冠狀動脈分流手術 17. 因心室性心跳過速或顫動緊急注射抗心律不整藥物治療 23. 夾層主動脈瘤 18. 主動脈疾病的血管介入治療或主動脈瘤 24. 艾森門格綜合症 19. 周圍動脈疾病的血管介入治療 2. 首次心臟病 20. 植入靜脈過濾器 26. 心瓣置換 21. 心瓣膜疾病的次級創傷性治療 27. 感染性心內膜炎 22. 微創進行直接的冠狀動脈搭橋手術 28. 其他嚴重的冠狀動脈疾病 23. 中度嚴重傳染性心內膜炎 29. 主動脈手術 24. 心包膜切除術 30. 顳動脈或顱內動脈炎 2. 植入大腦內分流器 意外性脊椎骨折 26. 早期肌萎縮性脊髓側索硬化症 32. 肌萎縮性脊髓側索硬化症 27. 早期運動神經元病 33. 植物人 28. 早期多發性硬化症 34. 細菌性腦 ( 脊 ) 膜炎 29. 早期進行性延髓痳痺症 3. 良性腦腫瘤 ^^ 30. 早期進行性核上性神經痳痺症 36. 須作手術之腦動脈瘤 ^^ 31. 早期脊髓肌肉萎縮症 37. 腦炎 32. 早期結核性脊髓炎 38. 嚴重頭部創傷 33. 大腦動脈瘤的血管介入治療 39. 運動神經元病 34. 次級嚴重細菌性腦 ( 脊 ) 膜炎 40. 多發性硬化症

9 參考個案 8 7 個案 2 ( 以下數字均為假設並只作舉例說明之用 ) 陳小姐, 單身, 需供養退休父母, 之前任職營銷經理, 每月薪金港幣 30,000 元 乳癌為香港女性最常患癌症 ~ 個案 1 ( 以下數字均為假設並只作舉例說明之用 ) 王先生, 已婚, 育有一子, 之前任職資訊科技經理, 每月薪金港幣 42,000 元 大腸癌為香港人最常患的癌症 ^ 陳小姐於 40 歲時患上乳癌,10 年後又再患上次級嚴重系統性紅斑狼瘡, 再於 60 歲時不幸中風 可幸的是陳小姐獲得 MetLife 健康 139 與 MetLife 健康加倍保的強大保障, 因而能夠及早獲得 適切的治療 : 保險金額.. MetLife 健康 139 : 120,000 美元 ( 約港幣 936,000 元 ) MetLife 健康加倍保 100 : 120,000 美元 ( 約港幣 936,000 元 ) 每月保費.. MetLife 健康 139 : 美元 ( 約港幣 1,927 元 ) ## MetLife 健康加倍保 100 : 10.7 美元 ( 約港幣 1,17 元 ) ## 於 3 歲時投保 MetLife 健康 139 及 MetLife 健康加倍保 100 每月保費 美元 ( 約港幣 3,102 元 ) ## 年齡 MetLife 健康 晚期危疾保障 賠償 100% 保險金額即 120,000 美元 ( 約港幣 936,000 元 ) 於 40 歲確診患上乳癌 MetLife 健康加倍保 100 晚期危疾保障 賠償 100% 保險金額即 120,000 美元 ( 約港幣 936,000 元 ) 索償總額 :480,000 美元 ( 約港幣 3,744,000 元 ) 於 0 歲確診患上次級嚴重系統性紅斑狼瘡 MetLife 健康加倍保 100 早期危疾保障 賠償 100% 保險金額即 120,000 美元 ( 約港幣 936,000 元 ) 於 60 歲確診中風 MetLife 健康加倍保 100 晚期危疾保障 賠償 100% 保險金額即 120,000 美元 ( 約港幣 936,000 元 ) 多年來, 陳小姐所得到索償金額不但足以支付高昂的醫療及長期醫護費用, 更給她帶來一筆額外現金, 讓她在放心接受治療之同時, 可與父母過著安逸無憂的生活 醫療開支治療期間的醫院住院收費 醫療及手術費用康復期間需接受的長期醫護所需費用 治療期間的家庭開支供樓支出 : 港幣 12,000 元 x 24 個月僱用海外傭工及支付兒子教育開支 : 港幣 9,000 元 x 24 個月日常生活費 : 港幣 9,000 元 x 24 個月 支出總額 : 王先生於 40 歲時不幸患上大腸癌 幸好經過兩年的治療後, 他的情況已好轉 期間, 王先生的醫療及護理費用共花掉港幣 680,000 元之多 同時, 雖然他需要於該兩年間暫停工作, 但作為家中的經濟支柱, 仍要支付家庭開支 在沉重的財政重擔下, 他辛苦工作得來的積蓄已所餘無幾 港幣 300,000 元港幣 380,000 元港幣 680,000 元 港幣 288,000 元港幣 216,000 元港幣 216,000 元港幣 720,000 元港幣 1,400,000 元 如果時光可以倒流, 王先生於 38 歲之時成功投保 MetLife 健康 139 及 MetLife 健康加倍保, 情況便可以大大不同.. 保險金額.. MetLife 健康 139 : 90,000 美元 ( 約港幣 702,000 元 ) MetLife 健康加倍保 100 : 90,000 美元 ( 約港幣 702,000 元 ) 每月保費.. MetLife 健康 139 : 美元 ( 約港幣 1,747 元 ) # MetLife 健康加倍保 100 : 16.0 美元 ( 約港幣 1,287 元 ) # 當確診患上大腸癌時, 王先生可獲得以下賠償.. MetLife 健康 139 : 90,000 美元 8 晚期危疾保障索償可享 100% 保險金額 ( 約港幣 702,000 元 ) MetLife 健康加倍保 100 : 90,000 美元 晚期危疾保障索償可享 100% 保險金額 ( 約港幣 702,000 元 ) 總額 = 180,000 美元 ( 約港幣 1,404,000 元 ) 王先生在 歲兩年間所繳付的總保費為 9,336 美元 ( 約港幣 72,821 元 ) 他不但可以保留辛苦工作得來的積蓄, 更可以與家人維持以往的生活水平 而且 MetLife 健康加倍保 100 其後的保費獲得豁免 6, 7 之餘, 更繼續為他提供早期及晚期危疾的多次保障至 8 歲 ## MetLife 健康 139 及 MetLife 健康加倍保 100 所需每月保費乃根據受保人為女性 3 歲 非吸煙者, 而保費繳付期為 20 年及保險金額為 120,000 美元計算 數據因金額曾被調整至整數, 故與其他個別說明文件或有差別 ~ 資料來源 : 醫院管理局, 香港癌症資料統計中心 2011 年數據 # MetLife 健康 139 及 MetLife 健康加倍保 100 所需每月保費乃根據受保人為男性 38 歲 非吸煙者, 而保費繳付期為 20 年及保險金額為 90,000 美元計算 數據因金額曾被調整至整數, 故與其他個別說明文件或有差別 ^ 資料來源 : 醫院管理局, 香港癌症資料統計中心 2011 年數據

10 6 晚期危疾保障晚期危疾的影響可以極為嚴重 保障愈大, 當然愈放心! 正因如此, 除了 MetLife 健康 139 的晚期危疾 6, 保障 7 6,, 我們亦透過 MetLife 健康加倍保提供晚期危疾保障, 讓您可就 70 種受保晚期危疾索償多達 7 次 7 晚期危疾 按疾病組別 組別 1..癌症 3 組別 2..與器官衰竭有關的疾病 1 組別 3..與心臟及血管有關的疾病 1 組別 4..與神經系統有關的疾病 1 組別..與神經系統退化有關的疾病 1 組別 6..與肌肉及骨骼有關的疾病 1 組別 7..其他疾病 1 索償次數上限 總共 7 MetLife 健康加倍保 MetLife 健康加倍保助您進一步加強危疾保障, 提供早期危疾保障, 確保您可於患病初期 及早接受治療, 完全康復的機會自然更高 ; 此外, 我們讓您可於有需要時索償多達 2 次 ( 即 高達保險金額的 200%) 6,7, 相比市面一般同類計劃保障更大 在晚期危疾保障方面,MetLife 7 健康加倍保更讓您索償可多達 7 次 加倍保障, 加倍放心! 此外, 一般同類計劃的早期危疾保障保險金額上限只得基本計劃 0%, 但 MetLife 健康加倍保 的保險金額則可達至基本計劃 MetLife 健康 139 的保險金額 100% 水平, 讓您可以在 不用增加基本計劃的保險金額及保費的情況下, 提高早期危疾的保障 透過為您提供勝人一籌的健康保障, 我們全力為您的健康加油 假設例子 MetLife 健康加倍保 ( 以下數字均為假設並只作舉例說明之用 ) 高達 700% 危疾保障 早期危疾保障 沒有索償 2 次索償 4 200% 保險金額 晚期危疾保障 7 次索償 % 保險金額 700% 保險金額 次索償 % 保險金額 00% 保險金額 早期危疾保障今天, 只要及早獲得適當的診斷, 大部份危疾都不再是不治之症 因此,MetLife 6, 健康加倍保提供早期危疾保障 7, 受保早期危疾多達 60 種, 保障期至受保人 8 歲 都市人生活節奏緊張, 危疾隨時有機可乘, 再次來襲 所以, 早期危疾保障讓您可 6, 索償多達 2 次 7, 一再為您的健康加油! 早期危疾 索償次數上限 危疾保費豁免保障 若受保人於 8 歲前不幸患上任何一種受保的晚期危疾,MetLife 健康加倍保的保費將獲豁免, 一直至保單終止, 讓您繼續獲得保障 按疾病組別 組別 1..癌症 2 組別 2..與器官衰竭有關的疾病 1 組別 3..與心臟及血管有關的疾病 1 組別 4..與神經系統有關的疾病 1 組別..與神經系統退化有關的疾病 1 組別 6..與肌肉及骨骼有關的疾病 1 組別 7..其他疾病 1 總共 2

11 4 3 全面保障一世安心 MetLife 健康 139 讓您獲享 79 種危疾保障至 100 歲 3, 而受保之危疾更涵蓋兒童 婦女 男士專有疾病及晚期危疾 8, 讓您加倍安心 MetLife 健康 139 如受保人不幸證實患上任何一種受保非嚴重危疾, 便會獲得相等於 20% 保險金額, 12, 加上按比例派發的非保證特別紅利 13 ( 如有 ) 的賠償 1 若受保人不幸證實患上任何一種受保晚期危疾, 便會獲得相等於 100% 現時保險金額, 加上已累積的非保證 11, 年度紅利 12 12, ( 如有 ) 及非保證特別紅利 13 ( 如有 ) 作為晚期危疾保障的賠償 8 MetLife 健康 139 更可讓受保人免費獲得指定醫療網絡醫生提供第二醫療意見服務 9, 有助加深了解病情及診治方法 第一時間化解健康威脅為助您緊守第一道防線,MetLife 健康 139 的完善保障範圍亦包括原位癌 冠狀動脈血管成形術及其他指定非嚴重危疾 冠狀動脈血管成形術及原位癌更可分別索償高達 2 次 1, 進一步為您的健康加強保障 開心 BB 保障 全家開心 人生總是充滿驚與喜 萬一新生命的來臨, 打亂了您的家庭計劃, 您亦毋須煩惱 如果 (1) 您或您的配偶新生雙胞胎或多胞胎 ;(2) 您或您的配偶是 4 歲或以上高齡產婦 ;(3) 又或者新生嬰兒將成為您連續第三個男寶寶或女寶寶, 我們會派發 888 美元的開心 BB 保障, 讓爸爸媽媽開心迎接小寶寶! 匯聚儲蓄財富增值 MetLife 健康 139 提供保證現金價值 10 11, 12 12, 13, 而非保證年度紅利及非保證特別紅利更讓您在獲享健康保障的同時, 令財富不斷增值 您知道嗎, 時下危疾患者年輕化的趨勢正在加劇, 很多人都不知不覺成為受害者 不過, 可幸的是患危疾後的痊癒機會亦有所上升, 關鍵在於及早獲得適當的診斷及醫治 MetLife 健康 139 提供一生健康保障, 受保年齡由出生第 1 日起至 100 歲 3, 一旦您的健康受到威脅, 包括非嚴重危疾, 將會全力為您提供強大支援 早期腸癌如能及早發現及醫治, 年存活率可高達 90%* 人壽保障 關懷摯愛 如受保人於保單期內身故, 受益人將獲發人壽保障 14, 金額相等於現時保險金額的 11, 100%, 再加上累積的非保證年度紅利 12 12, ( 如有 ) 及非保證特別紅利 13 ( 如有 ) 定額保費 輕鬆理財 您可選擇 10 年 1 年或 20 年的保費繳付年期, 以獲享直至 100 歲的終身保障 3 於繳款期內, 保費將定額不變 1, 讓您理財更有預算 * 資料來源..美國癌症協會,2014 年癌症統計及數據

12 2 MetLife, Inc. 每個人都重視健康 但您對每個人生階段的不同 需要又是否重視 是否獲得妥保障 MetLife 健康139 危疾保障計劃 MetLife 健康139 配合其自選附加保障MetLife健康加倍保 一同 為您提供全面保障 沿途守護您的健康 全力保障 您的健康 更照顧 您人生每個階段 的需要 大都會人壽保險有限公司乃美國MetLife, Inc. 於香港的全資附屬公司 以MetLife品牌經營業務 (i) 美國MetLife, Inc. 為美國最大人壽保險公司 於全球均具領導地位 美國最大 (i) 人壽保險公司 逾14年 歷史 由出生第1日開始 當您的健康 出現小問題 當您需要 更多的關懷 當您的人生 出現驚喜... 終身保障至100歲 嚴重兒童危疾或會 對幼兒的健康造成 重大影響 為此我們 提供指定嚴重兒童 1 危疾保障 我們不但提供指定 1 非嚴重危疾保障 及 60種早期危疾保障 而 必 要時索償更可 多於一次 我們不但提供70種 晚期危疾保障 而 必要時索償更可多達 2 8次 當小生命的來臨 可能對4歲或以上的 高齡孕婦帶來風險 或出現其他令您措手 不及的情況 為此 我們亦會為您提供 保障 由出生第1日開始 3 至100歲 我們確保 超過4個國家 服務 您可享有全面的健康 保障 財富00強 美國企業排名榜 139種危疾受保 提供種非嚴重危疾保障 提供4種嚴重兒童危疾保障 涵蓋70種晚期危疾 危疾保障高達保險金額100% 人壽保障 及 服務91間排名榜內首100名之美國大型企業客戶 4 高達800%全面保障 MetLife 健康139 開心BB保障 第42位 (ii) MetLife健康加倍保 涵蓋60種早期危疾 全面涵蓋多達 139種危疾 早期危疾保障賠償次數 6, 7 高達2次 高達保險金額 4 800% 危疾保障 70種晚期危疾保障賠償 6, 7 次數高達7次 開心BB保障 危疾保障高達保險金額 700%4 高達 43,000億美元 有效人壽保險 (iii) 逾8,10億美元資產 (iv) 人壽保障 (i) 根據2013年LIMRA及MetLife 調查 大都會人壽保險有限公司 (ii) 財富00強 2014年7月 財富00強 是 財富 雜誌的註冊商標 財富 為時代集團支部 香港太古城太古灣道14號太古城中心3座20樓 (iii) 截至2012年12月31日 (iv) 截至2013年6月30日 電話 (82) 傳真 (82)

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