Flexible hospital cash cover for you and your loved ones LIFE INSURANCE MEDICAL PROTECTION FLEXI-MEDIGUARD HOSPITAL INCOME PLAN (FLEXI-MG)

Transcription

1 LIFE INSURANCE MEDICAL PROTECTION (FLEXI-MG) Flexible hospital cash cover for you and your loved ones Provides ready cash for you to use freely aia.com.hk AIA International Limited (Incorporated in Bermuda with limited liability)

2 1 MEDICAL PROTECTION Life is full of ups and downs. Without warning you can find yourself in need of medical care. Unfortunately, the physical challenges that come with sickness or injury can be compounded by financial burdens. Flexi- MediGuard Hospital Income Plan provides ready cash for you to use freely. Also, there is an optional benefit for reimbursement of surgical expenses. Whatever misfortune comes your way, you will be well cared for. Cover at a glance Product Nature Medical protection insurance plan Insured s Age at Application 15 days to age 65 Benefit Term Up to the age of 75 Currency Geographical Cover HK$/MOP Worldwide Daily cash benefit including: Daily Hospital Income Benefit Core Benefits Long Term Hospitalization Benefit Intensive Care Unit Benefit Compassionate Death Benefit Worldwide emergency assistance services Optional Benefit Surgical Expenses Reimbursement Benefit For more information, please read the Benefits Schedule for the Flexi-MediGuard Hospital Income Plan in this brochure. AIA, the Company, We, our or us herein refers to AIA International Limited (Incorporated in Bermuda with limited liability).

3 MEDICAL PROTECTION 2 Daily Hospital Income Benefit for hospital stay around the world If the insured, who is the person protected under this plan, is admitted to hospital due to an injury or illness, this plan provides a Daily Hospital Income Benefit in cash for each day of hospital stay for up to a maximum of 730 days per confinement (please refer to the Key Product Risks point 2 and Product Limitations point 2 under Important Information ). Long Term Hospitalization Benefit In the unfortunate event that the insured is hospitalised for more than 30 days, we will pay an additional Long Term Hospitalization Benefit for each day of hospital stay, in an amount ranging from HK$/MOP650 to HK$/MOP1,500 per day, depending on the cover amount you choose (see benefits schedule, item 2 for details). This additional daily cash benefit will be payable from the 31st day of hospital stay for up to 700 days. You can choose your preferred amount of Daily Hospital Income Benefit cover, ranging from a minimum of HK$/ MOP650 to a maximum of HK$/MOP1,500 per day (see benefits schedule, item 1 for details). You can use the cash payments freely to reduce the financial burden of the insured s hospital stay so that the insured can focus fully on recovery.

4 3 MEDICAL PROTECTION Intensive Care Unit Benefit If the insured s situation is critical requiring stay in the intensive care unit of a hospital, we will pay an additional Intensive Care Unit Benefit for each day of hospital stay in the intensive care unit, in an amount ranging from HK$/ MOP1,300 to HK$/MOP3,000 per day, depending on the cover amount you choose (see benefits schedule, item 3 for details). This additional cash benefit is payable and for up to a maximum of 730 days per confinement. Compassionate Death Benefit If the insured passes away, Flexi-MediGuard Hospital Income Plan will pay a lump sum amount ranging from HK$/MOP1,300 to HK$/MOP3,000, depending on the cover amount you choose (see benefits schedule, item 4 for details), as the Compassionate Death Benefit to the person whom you select in your policy as beneficiary. Worldwide emergency assistance services If the insured is a permanent resident of Hong Kong or Macau, we will offer emergency assistance services to the insured anywhere in the world, including: Flexibility to suit your needs We understand that everyone s situation is different. That s why we offer various benefit combination choices to suit your personal medical needs: Daily Hospital Income Benefit Cover Amount Optional Benefit Annual renewal until age 75 + HK$/MOP 650 to 1,500 Surgical Expenses Reimbursement Benefit You can renew your cover every year up to the age of 75. Renewal premium will be based on the prevailing premium for the age of the insured at the time of renewal. A currency that suits you We offer this policy in HK dollars. If the policy is issued in Macau, you can also choose Macau pataca as the currency. unlimited cover for emergency medical evacuation and repatriation of remains 24-hour worldwide telephone enquiry services Optional Surgical Expenses Reimbursement Benefit Our optional Surgical Expenses Reimbursement Benefit provides an additional layer of medical protection. If the insured undergoes a surgery, we will reimburse the surgeon s fee, the anaesthetist s fee and / or the operating theatre fee, up to the maximum limit for your chosen cover amount (see benefits schedule, item 6 for details).

5 MEDICAL PROTECTION 4 Benefits Schedule for the Flexi-MediGuard Hospital Income Plan Benefits items 1-3 and 6 are subject to requirements regarding payment of fees / costs on a reasonable and customary basis. For more information, please refer to point 4 of the Product Limitations section under Important Information. Cover (HK$/MOP) Examples Plan Benefits Each Extra Cover Unit + 3 Extra Cover Units + 7 Extra Cover Units + 12 Extra Cover Units Maximum Cover: Basic Cover+ 17 Extra Cover Units Core Benefits 1. Daily hospital income benefit (per day) 2. Long term hospitalization benefit (per day) 3. Intensive care unit benefit (per day) ,000 1,250 1, days per confinement ,000 1,250 1,500 From the 31st day of confinement for up to 700 days in addition to Daily Hospital Income Benefit 1, ,600 2,000 2,500 3, days per confinement in addition to Daily Hospital Income Benefit and Long Term Hospitalization Benefit (if applicable) 4. Compassionate death benefit 1, ,600 2,000 2,500 3, Worldwide emergency assistance services a. Emergency medical evacuation b. Repatriation of remains Unlimited cover c. 24-hour worldwide telephone enquiry services Included Optional Benefit 6. Surgical expenses reimbursement benefit (per confinement / covered surgical procedure) 13,000 1,000 16,000 20,000 25,000 30,000 The table above is a summary of key benefits under the policy. It does not describe all the terms and conditions of your policy. This benefits summary does not form part of the policy contract. You should read the policy contract to ensure that the cover is suitable for you.

6 5 MEDICAL PROTECTION Annual Premium Table - Male (HK$/MOP) Daily Hospital Income Benefit (650) Each Extra Cover Unit (50) Core Benefits 3 Extra Cover Units (800) 7 Extra Cover Units (1,000) 12 Extra Cover Units (1,250) Maximum Cover: 17 Extra Cover Units (1,500) Insured s Age at Application Calculations of the premium payable in case of any extra cover are subject to rounding adjustments. The figures shown below are after such adjustments , , , , , , , , , , , , ,004 1,225 1, ,016 1,240 1, ,030 1,258 1, ,042 1,273 1, ,054 1,288 1, ,066 1,303 1, ,106 1,353 1, ,148 1,405 1, ,190 1,458 1, ,011 1,234 1,513 1, ,056 1,290 1,583 1, ,102 1,348 1,655 1, ,150 1,408 1,730 2, ,200 1,470 1,808 2, , ,251 1,534 1,888 2, , ,304 1,600 1,970 2, , ,358 1,668 2,055 2, , ,414 1,738 2,143 2, , ,462 1,798 2,218 2, , ,510 1,858 2,293 2, , ,558 1,918 2,368 2, , ,622 1,998 2,468 2, , ,699 2,094 2,588 3, , ,790 2,208 2,730 3, , ,899 2,344 2,900 3, , ,024 2,500 3,095 3, , ,093 2,586 3,203 3, , ,163 2,674 3,313 3, , ,235 2,764 3,425 4, , ,309 2,856 3,540 4, , ,392 2,960 3,670 4, , ,507 3,104 3,850 4, , ,675 3,314 4,113 4, , ,912 3,610 4,483 5, , ,226 4,002 4,973 5, , ,634 4,512 5,610 6,708 66* 3, ,704 4,600 5,720 6,840 67* 3, ,776 4,690 5,833 6,975 68* 3, ,850 4,782 5,948 7,113 69* 3, ,923 4,874 6,063 7,251 70* 3, ,465 5,551 6,909 8,267 71* 4, ,624 7,000 8,720 10,440 72* 5, ,510 8,108 10,105 12,102 73* 6, ,536 9,390 11,708 14,025 74* 7, ,722 10,872 13,560 16,248 * For Renewal Only

7 MEDICAL PROTECTION 6 Annual Premium Table - Male (HK$/MOP) (Continued) Daily Hospital Income Benefit (650) Core Benefits with Surgical Expenses Reimbursement Benefit Each Extra Cover Unit (50) 3 Extra Cover Units (800) 7 Extra Cover Units (1,000) 12 Extra Cover Units (1,250) Maximum Cover: 17 Extra Cover Units (1,500) Insured s Age at Application Calculations of the premium payable in case of any extra cover are subject to rounding adjustments. The figures shown below are after such adjustments , , , , , ,024 1,251 1, ,058 1,293 1, ,092 1,336 1, ,110 1,358 1, ,128 1,380 1, ,146 1,403 1, ,164 1,426 1, ,180 1,445 1, ,196 1,465 1, ,212 1,486 1, ,007 1,228 1,506 1, ,017 1,242 1,523 1, ,027 1,254 1,538 1, ,066 1,302 1,598 1, ,107 1,354 1,663 1, ,147 1,404 1,726 2, ,189 1,456 1,791 2, , ,243 1,524 1,876 2, , ,299 1,594 1,963 2, , ,356 1,666 2,053 2, , ,416 1,740 2,145 2, , ,477 1,816 2,241 2, , ,541 1,896 2,340 2, , ,606 1,978 2,443 2, , ,673 2,062 2,548 3, , ,731 2,134 2,638 3, , ,788 2,206 2,728 3, , ,846 2,278 2,818 3, , ,923 2,374 2,938 3, , ,014 2,488 3,081 3, , ,124 2,626 3,253 3, , ,254 2,788 3,455 4, , ,405 2,976 3,690 4, , ,487 3,078 3,818 4, , ,571 3,184 3,951 4, , ,657 3,292 4,085 4, , ,746 3,402 4,223 5, , ,846 3,528 4,380 5, , ,985 3,702 4,597 5, , ,185 3,952 4,911 5, , ,470 4,308 5,355 6, , ,847 4,778 5,943 7, , ,338 5,392 6,710 8,028 66* 3, ,421 5,496 6,840 8,184 67* 3, ,507 5,604 6,976 8,346 68* 3, ,596 5,714 7,113 8,511 69* 3, ,685 5,826 7,253 8,679 70* 4, ,233 6,511 8,109 9,707 71* 5, ,397 7,966 9,928 11,889 72* 5, ,289 9,082 11,323 13,563 73* 6, ,368 10,430 13,008 15,585 74* 7, ,610 11,982 14,948 17,913 * For Renewal Only

8 7 MEDICAL PROTECTION Annual Premium Table - Female (HK$/MOP) Daily Hospital Income Benefit (650) Each Extra Cover Unit (50) Core Benefits 3 Extra Cover Units (800) 7 Extra Cover Units (1,000) 12 Extra Cover Units (1,250) Maximum Cover: 17 Extra Cover Units (1,500) Insured s Age at Application Calculations of the premium payable in case of any extra cover are subject to rounding adjustments. The figures shown below are after such adjustments , , , , , , , , , , , , , , , , , , , , ,019 1, , ,042 1, , ,064 1, , ,088 1, , ,112 1, , ,136 1, , ,160 1, , ,184 1, , , ,210 1, , , ,234 1, , , ,259 1, , , ,286 1, , , ,331 1, , , ,400 1, , , ,490 1, , , ,605 1, , , ,744 2, , , ,790 2, , , ,837 2, , , ,885 2, , , ,933 2, , , ,982 2, , , ,058 2, , , ,158 2, , , ,290 2, , , ,450 3, , , ,642 3, , , ,717 3, , , ,795 3, , , ,874 3, , , ,955 3, , , ,037 3, , , ,152 3, , , ,298 4, , , ,480 4, , , ,698 4, , , ,954 4, ,308 66* 3, ,030 5, ,452 67* 3, ,109 5, ,599 68* 3, ,189 5, ,749 69* 3, ,270 5, ,902 70* 3, ,806 5, ,906 71* 4, ,951 7, ,054 72* 5, ,785 8, ,617 73* 6, ,734 9, ,397 74* 7, ,818 10, ,428 * For Renewal Only

9 MEDICAL PROTECTION 8 Annual Premium Table - Female (HK$/MOP) (Continued) Daily Hospital Income Benefit (650) Core Benefits with Surgical Expenses Reimbursement Benefit Each Extra Cover Unit (50) 3 Extra Cover Units (800) 7 Extra Cover Units (1,000) 12 Extra Cover Units (1,250) Maximum Cover: 17 Extra Cover Units (1,500) Insured s Age at Application Calculations of the premium payable in case of any extra cover are subject to rounding adjustments. The figures shown below are after such adjustments , ,128 1,380 1, ,155 1,414 1, ,186 1,453 1, ,216 1,490 1, ,020 1,246 1,528 1, ,045 1,276 1,566 1, ,068 1,306 1,603 1, ,094 1,338 1,643 1, ,120 1,370 1,683 1, ,145 1,402 1,723 2, ,171 1,434 1,763 2, ,198 1,468 1,805 2, , ,228 1,504 1,850 2, , ,253 1,536 1,890 2, , ,282 1,572 1,936 2, , ,310 1,608 1,980 2, , ,339 1,644 2,026 2, , ,368 1,680 2,070 2, , ,396 1,715 2,115 2, , ,428 1,754 2,163 2, , ,458 1,792 2,210 2, , ,488 1,830 2,258 2, , ,520 1,870 2,308 2, , ,574 1,938 2,393 2, , ,656 2,040 2,520 3, , ,765 2,176 2,690 3, , ,901 2,346 2,903 3, , ,068 2,555 3,165 3, , ,124 2,626 3,253 3, , ,181 2,696 3,340 3, , ,237 2,766 3,428 4, , ,296 2,840 3,521 4, , ,355 2,914 3,613 4, , ,445 3,026 3,753 4, , ,566 3,178 3,943 4, , ,724 3,374 4,188 5, , ,916 3,614 4,488 5, , ,146 3,902 4,847 5, , ,237 4,016 4,990 5, , ,329 4,132 5,135 6, , ,426 4,252 5,286 6, , ,521 4,372 5,435 6, , ,621 4,496 5,590 6, , ,758 4,668 5,805 6, , ,935 4,888 6,080 7, , ,152 5,160 6,420 7, , ,415 5,488 6,830 8, , ,722 5,872 7,310 8,748 66* 3, ,812 5,986 7,453 8,919 67* 4, ,906 6,102 7,598 9,093 68* 4, ,002 6,222 7,748 9,273 69* 4, ,100 6,346 7,903 9,459 70* 4, ,643 7,023 8,749 10,475 71* 5, ,794 8,463 10,549 12,635 72* 6, ,635 9,513 11,862 14,210 73* 7, ,645 10,776 13,441 16,104 74* 7, ,794 12,212 15,235 18,258 * For Renewal Only Note: Premium payable is based on the insured s attained age and the applicable premium rate at the time of application or renewal. The amount calculated from the above tables is subject to rounding adjustment. The actual amount of premium payable, therefore, may not be identical to the amount calculated from the rates shown in the Each Extra Cover Unit column of the tables.

10 9 MEDICAL PROTECTION Important Information This brochure is for reference only. It is not, and does not form part of, a contract of insurance and is designed to provide an overview of the key features of this product. The precise terms and conditions of this plan are specified in the policy contract. Please refer to the policy contract for the definitions of capitalised terms, and the exact and complete terms and conditions of cover. This brochure should be read along with the illustrative document (if any) and other relevant marketing materials, which include additional information and important considerations about this product. We would like to remind you to review the relevant product materials provided to you and seek independent professional advice if necessary. This plan is an insurance plan without any savings element. All premiums are paid for the insurance and related costs. This brochure is for distribution in Hong Kong / Macau only. Key Product Risks 1. You need to pay the premium for this plan until the end of benefit term. If you do not pay the premium within 31 days of the premium due date, the policy will be terminated and you / the insured will lose the cover. 2. We will terminate your policy and you / the insured will lose the cover when one of the following happens: the insured passes away; you do not pay the premium within 31 days of the premium due date; the maximum Daily Hospital Income Benefit has been paid for any confinement; or the anniversary of your cover immediately following the insured s 75th birthday. We reserve the right to terminate this policy at any time by giving a 30-day prior written notice to you. The unearned portion of the premium at the time of termination without interest shall be returned to you. 3. We underwrite the plan and you are subject to our credit risk. If we are unable to satisfy the financial obligations of the policy, the insured may lose his cover and you may lose the remaining premium for that policy year. 4. You are subject to exchange rate risks for plans denominated in currencies other than the local currency. Exchange rates fluctuate from time to time. You may suffer a loss of your benefit values and the subsequent premium payments (if any) may be higher than your initial premium payment as a result of exchange rate fluctuations. You should consider the exchange rate risks and decide whether to take such risks. Key Exclusions Under this plan, we will not cover any of the following events or conditions that result from any of the following events: any treatment and investigation which is not medically necessary or any fees and medical service which is not reasonable and customary any pre-existing condition or congenital defect that appears or is diagnosed before the insured reaches the age of 17 self-inflicted injury, self-destruction, attempted selfdestruction or drug abuse war or warlike operations, strikes, riots and civil war, any violation or attempted violation of the law or resisting arrest AIDS or any complications associated with HIV infection, pregnancy, miscarriage, childbirth, complications of pregnancy, or mental or psychiatric disorder cosmetic or plastic surgery or any elective surgery dental care or surgery, corrective aids and treatments of refractive errors unless necessitated by injury caused by an accident (excluding dentures) body check-up, gradual recovery of health or rest care The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions. Premium Adjustment In order to provide you with continuous protection, we will review the premium of your plan from time to time and adjust it accordingly at the end of policy year if necessary. During the review, we may consider factors including but not limited to the following: claim costs incurred from all policies under this plan and the expected claim outgo in the future which reflects the impact of medical trend and medical cost inflation where applicable historical investment returns and the future outlook of the product's backing asset policy surrenders and lapses expenses directly related to the policy and indirect expenses allocated to this product 5. The future medical costs will be higher than they are today due to inflation. Hence, the benefit amounts and the future premium rate of this plan may be revised to reflect the inflation.

11 MEDICAL PROTECTION 10 Product Limitations 1. Cover for specific items will be effective on the following dates: Items Accidental injury Illness Treatment / surgery for tonsils, adenoids, hernia or a disease peculiar to the female generative organs Effective Date (after the policy commences) Immediately 30 days 120 days 2. If the confinement occurs outside the covered areas, the daily hospital income benefit and long term hospitalization benefit will be limited to a maximum of 90 days for the Same Confinement. The total amount will be: reduced by 50% for each confinement; and subject to a maximum limit of HK$/MOP480 for each day of confinement per life under all policies held with us and AIA Company Limited providing similar hospitalisation cover. The covered areas are: Hong Kong, Macau, Malaysia, Thailand, Taiwan, Japan, South Korea, Singapore, United States of America, Australia, New Zealand, Canada, Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Monaco, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom and Vatican City. Intensive care unit benefit is not applicable if the confinement occurs outside the covered areas. 3. Payment of the Compassionate Death Benefit is subject to a per life maximum of HK$/MOP10,000 for Compassionate Death Benefit payable on a similar basis under all policies held with us or AIA Company Limited. This limit does not apply to a policy issued in Macau. 5. Same Confinement refers to two or more admissions that are due to the same or related injury or illness, or to any complications arising therefrom. Such confinements shall be regarded as one and the same confinement if each of them is not separated by more than 90 days from the paid or payable confinement, which immediately precedes it. Limits for confinement benefits shall be determined based on the aforesaid terms. Claim Procedure If you wish to make a claim, you must notify us within 10 days of the date of admission to hospital, and send us the appropriate forms and proof within 30 days after discharge from hospital. You can get the appropriate forms from your financial planner, by calling the AIA Customer Hotline (852) in Hong Kong, or (853) in Macau, or by visiting aia.com.hk or any AIA Customer Service Centre. Payment of Benefits The benefits under this plan will be paid to you, or in the unfortunate event of the insured s passing, to your beneficiary. Cancellation Right You have the right to cancel and obtain a refund of any premiums paid by giving written notice to us. Such notice must be signed by you and submitted to the Customer Service Centre of AIA International Limited at 12/F, AIA Tower, 183 Electric Road, North Point, Hong Kong or the Customer Service Centre of AIA International Limited at Unit 1903, 19/F, AIA Tower, 251A-301 Avenida Comercial de Macau, Macau within 21 days after the delivery of the policy or issue of the written notice to you or your representative informing you that the policy is available, whichever is earlier. 4. We only cover the fees and / or expenses of the insured on reasonable and customary basis, which means: the medical services, diagnosis and / or treatments are medically necessary and delivered according to standards of good medical practice; the costs of your medical services and the duration of your hospital stay are not more expensive or longer than the usual level of charges or duration for similar treatment in the locality of such services delivered; and does not include charges that would not have been made if no insurance existed. We may adjust any and all benefits payable in relation to any hospital / medical charges which is not a reasonable and customary charge. Please contact your financial planner or call AIA Customer Hotline for details Hong Kong Macau (852) *1299 (on Hong Kong mobile network only) (853) aia.com.hk AIA Hong Kong AIA Hong Kong AIA_HK_MACAU PTA health (B)

12