MetLife Health Focus Critical Illness Protector. Essential Health Protection A Solid Safeguard for You
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1 MetLife Health Focus Critical Illness Protector Essential Health Protection A Solid Safeguard for You
2 You work hard to reach your aspirations and goals, but are you aware that critical illnesses may catch you unawares and impede your ability to achieve your dreams? Do you have sufficient coverage to take care of your health? Company of the Year Insurance Brand of the Year Insurance Female Products Critical Illness MetLife Limited Customer Service Centre: Level 57, Hopewell Centre, 183 Queen s Road East, Wan Chai, Hong Kong Tel: (852) Fax: (852) (This brochure is for distribution in Hong Kong only.)
3 MetLife Health Focus Critical Illness Protector There is an increasing risk of critical illnesses striking early, which may hinder your quest for a healthy and happy life. But the comforting news is that the recovery rates of critical illnesses have been increasing with advances in medical diagnostics and treatments. With MetLife Health Focus Critical Illness Protector (the Plan ), you can enjoy critical illness protection at an affordable premium. You can rest assured that you have a solid safeguard to back you up all the way. Protection up to Age 100 with an Affordable Premium To bring you affordable critical care in your times of need, the Plan gives you access to critical illness protection with an affordable premium, which can be paid on a monthly or annual basis. For example, a non-smoking 30-year-old female who is in good health can pay as little as around HK$2.67 a day 1 to enjoy critical illness protection with a sum assured of HK$350,000. You can renew your policy every year automatically 2 to extend your protection to whole life, regardless of the state of your health at or before reaching the last policy renewal age of 99. The premium will be adjusted at the policy renewal date to reflect your age at the time. Comprehensive Coverage The Plan provides protection against 54 Late Stage Critical Illnesses. In addition, the Plan also covers Early Stage Critical Illnesses of Coronary Angioplasty and Carcinoma-in-situ, with coverage equal to 20% of the sum assured. Life Benefit 3 for 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 3 equivalent to 100% of the sum assured (minus any amount claimed under the Early Stage Critical Illness Benefit). Multiple Options to Further Enhance Protection for You Based on your specific needs, you may also choose to further enhance your protection with optional benefits, including medical and accidental protection benefits, and more. Act now! Enroll in MetLife Health Focus Critical Illness Protector to enjoy health protection at an affordable rate! 2
4 Plan Summary Issue Age Policy Currency Age (Age last birthday) - HK Dollar; or - US Dollar Policy Term Yearly renewable up to age 100 of the insured person 2 Premium Payment Term Premium Payment Mode Premium Structure Minimum Sum Assured Minimum Premium Up to age 100 of the insured person - Annual payment; or - Monthly payment Yearly renewable and non-guaranteed premium rates HK$80,000 / US$10,000 per policy (Subject to the minimum premium requirement) - Annual payment: HK$900 / US$ Monthly payment: HK$120 / US$15 Table 1: Early Stage Critical Illnesses Covered 1 Coronary Angioplasty 2 Carcinoma-in-situ Table 2: Late Stage Critical Illnesses Covered Acute Necrohemorrhagic 1 Pancreatitis Acquired Immune Deficiency 2 Syndrome (AIDS) due to Blood Transfusion Advanced Dementia (including 3 Alzheimer s Disease) 4 Apallic Syndrome 5 Aplastic Anaemia 6 Bacterial Meningitis 7 Benign Brain Tumour 8 Blindness 9 Cancer 10 Cardiomyopathy Cerebral Aneurysm Requiring 11 Surgery Chronic Adrenal Insufficiency 12 (Addison s Disease) 13 Chronic Liver Failure 14 Coma 15 Coronary Artery By-pass Surgery 16 Creutzfeld-Jacob Disease 17 Deafness 18 Ebola 19 Elephantiasis 20 Encephalitis 21 End Stage Lung Disease 22 Fulminant Viral Hepatitis 23 First Heart Attack 24 Heart Valve Replacement 25 Infective Endocarditis 26 Kidney Failure 27 Loss of Independent Existence* 28 Loss of One Limb and One Eye 29 Loss of Speech 30 Loss of Limbs 31 Major Burns 32 Major Head Trauma 33 Major Organ Transplantation 34 Medullary Cystic Disease 35 Motor Neurone Disease 36 Multiple Sclerosis 37 Muscular Dystrophy * The coverage of this condition shall automatically cease after the 65 th birthday of the insured person. 38 Necrotising Fasciitis 39 Occupationally Acquired Human Immunodeficiency Virus (HIV) 40 Other Serious Coronary Artery Disease 41 Paralysis 42 Parkinson s Disease 43 Pheochromocytoma 44 Poliomyelitis 45 Progressive Supranuclear Palsy 46 Pulmonary Arterial Hypertension (Primary) 47 Severe Myasthenia Gravis 48 Severe Rheumatoid Arthritis 49 Stroke 50 Surgery for Disease of Aorta 51 Systemic Lupus Erythematosus (SLE) with Lupus Nephritis 52 Systemic Scleroderma 53 Terminal Illness 54 Tuberculous Meningitis Remarks 1. The amount is for reference only and rounded up. It is based on the assumption that the annual premium payment mode is adopted. 2. The automatic renewal is applicable provided that all premiums due have been paid and there is no increase in the amount of benefit payable under the policy of the Plan. Please refer to the Policy Provisions of the Plan for details. 3. If the insured person commits suicide within the first 13 months from the issue date or the first 13 months from the effective date of reinstatement, as the case may be, no Life Benefit shall be payable. In such event, MetLife Limited shall only refund the total premiums paid under the basic plan to the policyowner. The policy of the Plan will automatically terminate upon the death of the insured person. 3
5 Key Product Risks Key Exclusions This Plan will not cover conditions that result from any of the following events: any pre-existing medical condition any congenital anomaly which has manifested or was diagnosed before the Insured Person attains age 16, infertility or sterilization. Please refer to the Policy Provisions of this Plan for the complete list and details of exclusions. If the insured person commits suicide within the first 13 months from the issue date or the first 13 months from the effective date of reinstatement, as the case may be, no Life Benefit shall be payable. For the amount payable in such event, please refer to the Policy Provisions of this Plan for details. Product Limitations 1. Cover for the following items will take effect from the following date: Items Early Stage Critical Illnesses Late Stage Critical Illnesses Coverage Effective Date (after the issue date or the latest reinstatement date of the insurance policy of the Plan, whichever is later) 90 days 90 days 2. The insured person must be alive for at least 30 days from the date of the first confirmed diagnosis of, or from undergoing the surgery referred to in, the condition, as the case may be, in order to be eligible for Early Stage Critical Illness Benefit and Late Stage Critical Illness Benefit. 3. Regarding Early Stage Critical Illness Benefit: (i) The Early Stage Critical Illness Benefit is payable once under this Plan for any condition. (ii) The aggregate of any and all payments in respect of such conditions under the policy of the Plan and other policies and/or supplementary benefits issued by MetLife Limited shall not exceed HK$400,000 or US$50,000 per insured person. 4. Regarding Late Stage Critical Illness Benefit: (i) If the insured person is first confirmed to be diagnosed with any covered Late Stage Critical Illness, the amount equal to the sum assured less all benefits paid under the Plan will be payable. (ii) The Late Stage Critical Illness Benefit is payable once only. (iii) When the Late Stage Critical Illness Benefit becomes payable, the policy will automatically terminate. Policy Renewal and Premium Adjustment Premium shall be determined by reference to the last birthday, sex and smoking habit of the insured person upon renewal on each policy anniversary date. The premium rate is non-guaranteed. MetLife Limited reserves the right to adjust the rate of premium under the Plan upon renewal by giving not less than 30 days prior written notice to the policyowner. Any premium adjustment will reflect the past experience and long-term assumptions of a number of factors in respect of the relevant policies including but not limited to (a) operating expenses; (b) policy persistency; (c) cost of claim; and (d) performance of the investment of the assets. Non-payment of Premium You should pay premium(s) on time and according to the selected premium payment schedule while the policy is in force. If you do not pay the premium within 60 days of the premium due date, the policy will be terminated and the insured person will lose the coverage. 4
6 Credit Risk The Plan is an insurance plan underwritten by MetLife Limited. The benefits payable under your policy are subject to the credit risk of MetLife Limited. If MetLife Limited is unable to satisfy the financial obligations of the policy of the Plan, the insured person may lose the coverage and you may lose the remaining premium paid for that policy year. Foreign Exchange Risk You should be aware that any transaction which is denominated in a currency other than that of your home currency is subject to foreign exchange risks. Inflation Risk The benefits under the policy of the Plan may not be sufficient for the increasing protection needs in the future as the future cost of living may be higher than now due to the effects of inflation. The information in this brochure is intended for reference only. Please refer to the relevant Policy Provisions of MetLife Health Focus Critical Illness Protector for definitions, detailed terms, conditions and exclusions. Important Notes MetLife Limited reserves the right to accept or reject any application for MetLife Health Focus Critical Illness Protector. MetLife Health Focus Critical Illness Protector is an insurance plan with no savings element. All premiums pay for the insurance and related costs. If you are not fully satisfied 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 the Customer Service Centre of MetLife Limited at Level 57, Hopewell Centre, 183 Queen's Road East, Wan Chai, Hong Kong 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). If you cancel the policy after the expiration of the Cooling-off Period, you may not obtain a refund of any premiums paid. MetLife Limited is the insurance underwriter of MetLife Health Focus Critical Illness Protector, 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 company incorporated and registered as a private company limited by shares under the applicable laws in Hong Kong. HK-MKT-AG/CDC/IA-DD8/DD9PB
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