MultiGuard Critical Illness Protection Plan

MultiGuard Critical Illness Protection Plan

First in market: "Medical + Critical Illness" double protection

Advantages

First in Market

"Medical + Critical Illness" Double Protection

Most in Town

171 insured illnesses

Multiple Protection

Up to 600% of sum assured

Family Benefit

Up to HKD200,000 extra protection on coronavirus*

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MultiGuard Critical Illness Protection Plan

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.

Plan Features

171 critical illnesses and 19 benign tumours are well covered

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.

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Protection reset benefit

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.

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Benign tumour benefit1,2

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.

All-round coverage for cancer, stroke and heart attack

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.

  1. Medical expense reimbursement benefit
  2. Multiple benefits on designated major illnesses; and
  3. Flexible waiting period option for cancer
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Boost up your coverage up to 80%

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

Caring for your treatment

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.

Waiving the premiums for continuous protection

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Life insurance

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Financial arrangement with ease

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Optional supplementary contracts10

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More Support

Product Brochure
About Policy Dividends & Investment Policy
  1. In case early stage critical illness benefit, major illness benefit and benign tumour benefit are payable for the same organ or tissue, we shall only pay the benefit with the highest benefit amount.
  2. Benign tumour benefit is payable once for each of the covered organ or tissue. The maximum claim amount for benign tumour benefit is USD50,000 / HKD400,000 per insured.
  3. If the insured is confined in a room of the class above semi-private room, whether voluntarily or involuntarily, on any days of a confinement, any reimbursable medical expenses under this benefit in relation to such confinement shall be reduced by 50%.
  4. The insured has to survive for at least 15 days from the date of diagnosis of such subsequent cancer, stroke or heart attack, and the coverage of thyroid cancer and prostate cancer under the multiple benefits on designated major illnesses or flexible waiting period option for cancer will be automatically terminated on the policy anniversary date on or immediately following the 75th birthday of the insured.
  5. The maximum payable times for multiple benefits on designated major illnesses and flexible waiting period option for cancer is up to three times per policy.
  6. The waiting period for the subsequent claim of multiple benefits on designated major illnesses after the flexible waiting period option for cancer is being paid, will be counting from the date of our receipt of written notice of claim for payment of the flexible waiting period option for cancer.
  7. Prestige Global Medical Assistance Services and US Cancer Expert Consultation Services are value added services provided by third party service providers and do not form part of the policy contract. For details, please refer to the relevant service leaflets or customer notification. The insured may be asked to provide certain personal information and medical history to the third party service provider(s) in using the relevant services. Any enquiries, complaints, or disputes relating to the relevant services should be resolved directly with the respective service provider(s). Tahoe Life is not responsible for the quality, accuracy and suitability of the relevant services, and reserves the right to revise the service contents or terminate such services without prior notice. In case of any disputes, Tahoe Life has the right for final determination. Prestige Global Medical Assistance Services and US Cancer Expert Consultation Services will become effective 30 days after the effective date of your policy. The relevant services will be terminated automatically if your policy lapses or is terminated. Any medical information and second medical opinion provided under the relevant services should not be considered as medical consultation and are for reference purposes only. The insured has absolute right to choose the kind of medical treatment / arrangements to be received.
  8. The prepayment option is only applicable to policies with annual payment mode. The application of prepayment of renewal premium can only be valid when the renewal premium and levy on renewal premium are fully pre-paid (“Prepaid Amount”) at the time of policy application together with the filled application form and signed illustration of premium prepayment option. Prior to the renewal premium due, the Prepaid Amount will not form part of the paid premium. The Prepaid Amount will not form part of the guaranteed cash value, nor any benefit under the policy, and will not be attributed to the calculation of death benefit. The accumulation interest rates for the Prepaid Amount are not guaranteed, subject to change and will be determined by Tahoe Life from time to time. If the insured passes away before the end of the premium payment term, the balance of the Prepaid Amount shall be returned to the policyowner or his/her estate. Upon policy surrender or full withdrawal of the balance of the Prepaid Amount before the end of the premium payment term, the amount being withdrawn shall be returned to the policyowner, and any interest on the balance of the Prepaid Amount of that policy year will be forfeited. Only full withdrawal of the balance of the Prepaid Amount will be accepted by Tahoe Life.
  9. The Plan is a participating policy. Terminal dividend (the “non-guaranteed benefit”) is not guaranteed, subject to change and will be determined by Tahoe Life from time to time. For details of the non-guaranteed benefit, please refer to the product brochure's “Non-guaranteed benefits” section. For details of the terminal dividend, please visit Tahoe Life’s website.
  10. Please refer to the respective policy contract for details of each supplementary contract.