Comprehensive medical coverage
Guaranteed Lifetime Renewal
You need a whole life medical insurance plan to counter the escalating medical costs resulting from longer life span and medical technology advancement, and that’s why I CARE Medical Insurance Plan (“the Plan”) provides comprehensive hospitalisation coverage to back you up.
Comprehensive medical coverage
Guaranteed Lifetime Renewal
|Issue Age||From 15 days after birth to 69 years old|
|Policy Currency||HKD, MOP or USD|
|Premium Payment Term||To age 99 of the Insured|
|Benefit Term||To age 100 of the Insured|
|Premium Payment Method||Annual, Semi-annual, Quarterly or Monthly|
|Plan Level||3 Plan Levels|
|A. Hospital and Surgical Benefit|
|1. Room and Board (maximum 270 days each policy year)||2,600 each day||1,320 each day||630 each day||333 each day||169 each day||80 each day|
|2. Attendance Fees (for non-surgical case only) (maximum 270 days each policy year)||2,050 each day||930 each day||500 each day||262 each day||119 each day||64 each day|
|3. Miscellaneous Hospital Services (each policy year)||31,800||19,000||12,300||4,076||2,435||1,576|
|4. Surgeon and Attendance Fees (for surgical case only) (each operation)|
|5. Operating Theatre Fees (each operation)|
|6. Anaesthetist’s Fees (each operation)|
|7. In-patient Specialist’s Fees (each policy year) Subject to written referral6 from the attending Registered Medical Practitioner (except for services performed by pathologist, radiologist or Physiotherapist during Hospital Confinement)||9,000||3,100||1,900||1,153||397||243|
|8. Intensive Care Unit (each policy year)||23,300||20,000||19,000||2,987||2,564||2,435|
|9. Private Nursing (maximum 120 days each policy year) Upon recommendation of a Registered Medical Practitioner, the Member incurs expenses for services rendered by a Qualified Nurse in respect of nursing at home after discharge from Hospital or for specializednursing care received in a Hospital||720 each day||420 each day||250 each day||92 each day||53 each day||32 each day|
|10. Cancer Treatment and Kidney Dialysis (each policy year)
Chemotherapy, radiotherapy, cyberknife or gamma knife for cancer treatment or kidney dialysis during Hospital Confinement or in day care unit of a Hospital or clinic upon recommendation by the attending Registered Medical Practitioner
|11. Pre-admission and Post-hospitalisation Out-patient Care (each policy year)
Including 2 pre-admission visits and all related post-hospitalisation follow-up visits on an out-patient basis within 6 weeks right after discharge from Hospital
|12. Extra Bed Benefit (maximum 90 days each policy year)||650 each day||450 each day||300 each day||84 each day||58 each day||39 each day|
|13. Emergency Out-patient Benefit for Accidents7 (each treatment)||10,000||5,000||2,000||1,282||641||256|
|Maximum Limit per Policy Year (from the first Policy Anniversary date after the Insured reaches 64 only)||780,000||400,000||190,000||100,000||51,282||24,358|
|B. Clinical Surgery Benefit (each operation)|
|1. Clinical Surgeon’s Fee||6,900||5,600||4,700||884||717||602|
|2. Clinical Anaesthetist’s Fee||3,000||2,000||1,800||384||256||230|
|3. Clinical Operating Theatre Fee||3,700||2,200||2,000||474||282||256|
|Maximum Limit per Policy Year||120,000||70,000||40,000||15,384||8,974||5,128|
|C. Hospital Cash Benefit for Confinement in Public Hospital (each policy year) 3|
|Pay from the 1st day of Hospital Confinement (maximum 90 days each policy year)||1,000 each day||700 each day||500 each day||128 each day||89 each day||64 each day|
|D. Supplementary Medical Benefit (each policy year) (optional)|
|(subject to 80% reimbursement and HKD500 deductible per claim)
|E. Hospital Cash Benefit (each policy year) (optional)|
|Pay from the 3rd day5 of Hospital Confinement (maximum 182 days each policy year)||1,000 each day||500 each day||300 each day||128 each day||64 each day||38 each day|
This product brochure is for reference only. Please refer to the Policy documents for the complete definitions of the capitalised terms, as well as all the terms and conditions of this product. You are reminded to review all of the relevant product materials provided to you and to seek independent professional advice if necessary.
In addition, the information stated herein is for reference only. Please refer to the General Provisions for the exact terms and conditions and limitations such as incontestability, suicide and fraud etc. or all exclusions.
What are the key product risks?
This product is a life insurance Policy issued by China Life (Overseas). Any Premium paid will become part of our assets and our financial strength will affectour ability to meet our contractual obligations to you under the Policy. Therefore this product is subject to our credit risk.
Exchange rate and Currency risks:
Any Policy with foreign currencies involves risks, such as potential changes in political or economic conditions that may substantially affect the price or liquidity of a currency. The fluctuations in exchange rates may also cause financial losses to you during currency conversions. You should consider the potential currency and exchange rate risks before deciding which Policy currency you should take.
The cost of living in the future may be higher than expected due to the effects of inflation. Therefore, your current planned benefits and/or returns maybeinsufficient to meet your future needs even if we fulfill all of our contractual terms and obligations.
The Policy will be terminated if (a) the Insured passes away, (b) you do not pay the Premium within 31 days of the due date and the Policy has no Cash Value.Option benefit(s) (if any) will be terminated at the same time.
Premium adjustment and renewal：
China Life (Overseas) has the absolute right and discretion to adjust the renewal premium payable under the Policy at the end of each Coverage Period (that is every year). Factors leading to premium adjustment may include but are not limited to the experience in claims, policy surrender, investment return, and expenses incurred by and/or in relation to this product.
This product brochure is for reference only and contains descriptions of the key features of this product. For all the terms and conditions and exclusions of this product, please refer to the policy documents of this product. In the event of any ambiguity or inconsistency between the terms of this brochure and the policy documents, the Chinese version of the policy documents shall prevail.
This product brochure is for distribution in Macau only and shall not be construed as any provision of or offer to sell or solicitation to buy any insurance product outside Macau. China Life Insurance (Overseas) Company Limited ("China Life (Overseas)") does not provide or offer to sell any insurance product outside Macau. The above information is for reference only. The detailed terms, conditions and exclusions of the Plan are subject to the terms and conditions of the policy contract of the Plan. For a copy of the terms and conditions of the policy contract, please contact China Life (Overseas) for enquiry.
China Life Insurance (Overseas) Company Limited (incorporated in the People's Republic of China with limited liability)