"Medical + Critical Illness" Double Protection
171 insured illnesses
Up to 600% of sum assured
Up to HKD200,000 extra protection on coronavirus*
Critical illnesses often strike without warning, and put you and your family in great stress all in a sudden. While worrying that the unforeseen financial burden of medical care will derail the future plans of your family, you also need experts’ advice from the diagnosis and start the appropriate medical treatment. Tahoe Life understands it and offers you MultiGuard Critical Illness Protection Plan (the “Plan”) with all-round protections against 171 critical illnesses at an affordable cost. In addition to paying out a lump-sum benefit to ease your financial pressure, the Plan also covers multiple claims against cancer, stroke and heart attack, and reimburses you the medical expenses. You will also have access to timely professional advice and support throughout the journey of recovery. Even when there are challenges from time to time, we are standing by you and bringing you back to a brilliant life.
The Plan provides coverage for 171 critical illnesses, which include 74 major illnesses, 73 early stage critical illnesses and 24 severe child disease, as well as 19 benign tumours. Many of the commonly seen illnesses including cancers, stroke, heart attack, carcinoma-in-situ and angioplasty, etc., are well covered.
As life expectancy increases steadily, it is not uncommon that illnesses may strike more than just one time. With the protection reset benefit under the Plan, you will be able to restore your coverage reduced by prior claims. In the unfortunate event that the insured is diagnosed with a covered major illness or passes away before age 75, any claims paid under the early stage critical illness benefit and / or the severe child disease benefit diagnosed one year or longer before the date of diagnosis with the major illness or the date of death of the insured, the total claimed amount will be payable as part of the major illness benefit or death benefit.
If the insured has undergone a complete surgical excision of one of the covered benign tumours (please refer to “Information at a glance” section in the product brochure for details), the Plan will provide a benign tumour benefit which covers 19 organs or tissues, with an amount up to 20% of the sum assured of the basic plan for up to two times.
If the insured is unfortunately diagnosed with cancer, stroke or heart attack, apart from the lump-sum payment from major illness benefit, the followings will be provided by the Plan to support you to go through the whole recovery journey.
This benefit is available upon the successful claim for cancer, stroke or heart attack in the first 20 policy years, and allowing you to reimburse the medical expenses for the related treatment, such as room and board charges, surgical fees, chemotherapy, radiotherapy, target cancer therapy, private nurse fee and so on (please refer to “Information at a glance” section in the product brochure for details). The maximum reimbursement amount will be 20% of the sum assured up to USD62,500 / HKD500,000 per insured.
The Plan covers up to three additional claims on cancer, stroke or heart attack on or before the policy anniversary date on or immediately following the 85th birthday of the insured. The amount for each claim is equivalent to 100% of the sum assured.
The multiple benefits on designated major illnesses will be payable regardless of whether the subsequent claim for the cancer is a continuation, metastasis or recurrence of a previously claimed cancer or a new cancer, subject to the fulfilment of the waiting period requirement.
The waiting period of a subsequent claim for cancer is:
The multiple benefits on designated major illnesses will be payable if the one-year waiting period requirement is fulfilled. If the preceding claim of major illness benefit or multiple benefits on designated major illnesses belongs to stroke or heart attack, the diagnosis of the subsequent stroke or heart attack must be certified by a specialist as a new stroke or heart attack respectively.
The coverage booster benefit will be payable when the major illness benefit or death benefit of the Plan becomes payable within the first 20 years (for issue age under 21) or the first 10 years of the policy (for issue age 21 or above). The amount of coverage booster benefit will be:
|
Issue age of the insured |
Coverage booster benefit |
|
Under age 21 |
80% of the sum assured |
|
Age 21 or above |
60% of the sum assured |
Prestige Global Medical Assistance Services7
In addition to all-round critical illness protection, the Plan also provides you with professional and attentive Prestige Global Medical Assistance Services. You will have access to a 24-hour medical enquiry service and second medical opinion supported by experienced medical professionals, worldwide medical network and global medical concierge services to take care of your health needs at all times.
US Oncology Second Opinion Services7
In the unfortunate event that the insured is diagnosed with a cancer, the US Oncology Second Opinion Services under this Plan will help you obtain remote video-consultation with medical specialists from the US, and even a joint consultation by both the specialists and your attending doctor, providing you a timely support and greater access to world-class medical service.
