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中銀集團人壽保險有限公司

隨身保危疾保險計劃 (「本計劃」)

本危疾保險計劃特點及保障

• 投保年齡: 18至60歲
• 保單貨幣: 港元
• 保障年期: 至80歲(保證每年續保至80歲)
• 保費繳付: 年繳/月繳 (保費保證每五年維持不變¹)
• 投保額選項²:200,000/500,000/1,000,000/1,500,000/2,500,000港元
• 受保障疾病: 癌症/中風/心臟疾病³/原位癌/早期癌症
• 嚴重疾病賠償⁴ : 一次性支付投保時之投保額之100%，扣除已支付或須支付的非嚴重疾病賠償(如有)及任何未繳的應付保費，一經賠償，保單將自動終止。
• 非嚴重疾病賠償^{4, 5}: 一次性支付投保時之投保額之20%，扣除任何未繳的應付保費，並只限支付一次。一經賠償，保單的投保額將相應地減少。
• 身故賠償⁶: 一次性支付投保時投保額之100%，扣除已支付或須支付的非嚴重疾病賠償(如有)及任何未繳的應付保費。
• 等候期⁷: 90日

註:

1. 保單之保費由保單日期起的首5年將保證維持不變。保費將於第5個保單周年日起每5個保單年度作出調整，並於該5年期間維持不變，直至下一個保費調整日；或若保單在該5年內終止，則為此較短之年期。保費調整必須按照保單調整時受保人的年齡及風險類別以及調整當日有效之保費率釐定，而中銀人壽有絕對酌情權對保費率作出調整。
2. 受保人於本計劃下所有保單的總保額不得超過2,500,000港元。投保額選項1,500,000/2,500,000只適用於投保年齡介乎18至49歲。
3. 心臟疾病包括急性心肌梗塞及治療冠心病的小型介入手術。
4. 嚴重疾病包括癌症、急性心肌梗塞及中風。非嚴重疾病包括原位癌、早期癌症及治療冠心病的小型介入手術。若受保人受保於超過一份中銀人壽簽發的隨身保危疾保險計劃及/或守護十年網上保險計劃及或守護伴您保險計劃之保單，(a) 則中銀人壽根據所有這些保單給付嚴重疾病賠償最高款額為港幣2,500,000，減去所有這些保單已作出或須作出的所有非嚴重疾病賠償﹝若有﹞，減去所有這些保單之任何欠款及任何未繳的應付保費；及(b) 中銀人壽將只需要就所有該等保單支付以上(a)的數額一次。
5. 在任何情況下，原位癌或治療冠心病的小型介入手術的所有索償的累計賠償金額最高為港元360,000(以每種疾病及每受保人計), 而早期癌症的所有索償的累計賠償金額最高為港元240,000 (以每種疾病及每受保人計)。
6. 若受保人受保於超過一份中銀人壽簽發的隨身保危疾保險計劃及/或守護十年網上保險計劃及或守護伴您保險計劃之保單，(a) 則中銀人壽根據所有這些保單給付身故賠償最高款額為港幣2,500,000，減去所有這些保單已作出或須作出的所有非嚴重疾病賠償﹝若有﹞，減去所有這些保單之任何欠款及任何未繳的應付保費；及(b) 中銀人壽將只需要就所有該等保單支付以上(a)的數額一次。
7. 對於保單簽發日期或加簽批單日期或最後保單復效的生效日（以最遲者為準）起計首九十日內患上的首次出現或顯現有關病徵或狀況或任何首次診斷的任何非嚴重疾病或嚴重疾病，將不獲任何非嚴重疾病賠償或嚴重疾病賠償。但此項不適用於由意外事件導致的非嚴重疾病或嚴重疾病。

重要事項:

• 本計劃由中銀集團人壽保險有限公司(「中銀人壽」)承保。中銀人壽已獲保險業監管局授權及監管，於中華人民共和國香港特別行政區(「香港」)經營長期業務。
• 中銀人壽保留根據擬受保人及申請人於投保時所提供的資料而決定是否接受或拒絕有關投保本計劃申請的權利。有關嚴重疾病及非嚴重疾病之定義及詳情，請參閱中銀人壽繕發的保單文件及條款。
• 本計劃受中銀人壽繕發的正式保單文件及條款所限制。各項保障項目及承保範圍、條款及除外事項，請參閱相關保單文件及條款。
• 中銀人壽保留隨時修訂、暫停或終止本計劃，更改有關條款及細則的權利。如有任何爭議，以中銀人壽決定為準。

若本計劃特點的中、英文版本有歧異，概以英文版本為準。

其他主要風險：

主要除外事项：

• 因以下任何一項而直接或間接，完全或部份之關係而引起、與其有關、導致或產生的嚴重疾病及非嚴重疾病，將不在本計劃非嚴重疾病賠償或嚴重疾病賠償的受保範圍內：
  • (i) 任何已存在醫療狀況；
  • (ii) 先天畸形或異常、不育或絕育；
  • (iii) 服用非由醫生處方的藥物、濫用酒精或服用毒品；
  • (iv) 屬於人類免疫力缺乏病毒(HIV)的疾病或人類免疫力缺乏病毒(HIV)感染及/或其有關之疾病包括後天免疫力缺乏症（即愛滋病）及/或因愛滋病引發之任何突變、衍生或變異。於本計劃下，愛滋病的定義將根據世界衛生組織於1987年所採用及其後不時調整之定義；
  • (v) 核分裂、核熔合、核燃料或燃燒核燃料或核子武器物料後的核廢料的放射性所產生的電離輻射或污染；
  • (vi) 戰爭或戰鬥(不論宣佈或不宣佈之戰爭)、人民集體騷動、叛變、革命、暴動、罷工、恐怖份子或類似戰爭的行動；
  • (vii) 參與任何軍事或維持和平活動；
  • (viii) 任何人士為自己或代表任何團體或組織或與任何團體或組織有關，以恐怖主義、綁架或企圖綁架、攻擊、毆打或其他暴力手段去强行影響任何團體、法團或政府；
  • (ix) 任何蓄意自毀之行為；
  • (x) 抵觸或企圖抵觸法律、拒捕或參與任何爭執或毆鬥；或
  • (xi) 職業運動、任何比賽、借助呼吸器具水中活動、空中活動(包括高空彈繩跳、懸掛式滑翔、熱氣球飛行、跳傘及特技跳傘) ，但作為機員或購票乘客乘搭具有正式牌照商業固定航班的載客飛機則除外、或任何危險活動或運動，除非得到特別批單同意的除外。
• 在保單中，對於保單簽發日期或加簽批單日期或最後保單復效的生效日（以最遲者為準）起計首九十(90)日內患上的首次出現或顯現有關病徵或狀況或任何首次診斷的任何非嚴重疾病或嚴重疾病，將不獲任何非嚴重疾病賠償或嚴重疾病賠償。本條不適用於由意外事件導致的非嚴重疾病或嚴重疾病。
• 本計劃在投保及續保時的應付保費是根據以下之因素(如適用)而釐定，包括但不限於：投保額、性別、投保年齡、已屆年齡、吸煙習慣、保費繳費年期、核保等級、風險類別及居住地而釐定，並非保證不變。中銀人壽保留權利隨時檢討及調整應付保費，調整原因包括但不限於實際經驗與現時期望出現的落差。
• 保單權益人應在保費繳費年期內按時繳交保費。如所需金額(如保費)未能於中銀人壽指定之寬限期(如適用)完結前繳交，保單有可能終止或失效。惟須受自動保費貸款(如適用)(中銀人壽將自動從不能作廢價值內以貸款形式墊繳保費)及不能作廢條款限制(如適用)。如因未能繳付保費導致保單被終止或失效，保單權益人會失去保單所提供的保障。
• 在以下任何一種情況發生時，中銀人壽有可能在保單到達期滿日前終止保單：
  • (i) 保單權益人於保費寬限期完結後仍未繳交保費; 或
  • (ii) 受保人身故；或
  • (iii) 中銀人壽批准保單權益人書面要求退保；或
  • (iv) 不能作廢價值少於零(如適用)；或
  • (v) 嚴重疾病賠償一經支付，本計劃將終止生效；或
  • (vi) 保單權益人未能在合理限期內滿足有關監管機構的要求。
• 實際的通脹率有機會較預期高，因此，您所獲發金額之實際價值可能會較低。
• 醫療必需
  • 指就住院、治療、程序、材料或其他醫療服務而言，該住院、治療、程序、材料或其他醫療服務按中銀人壽的意見為:
  • (i) 必須、適合及與有關病徵之發現或有關受保疾病的診斷及治療一致；
  • (ii) 符合一般接受的醫療習俗而非為實驗或調查性質；
  • (iii) 非純為受保人、保單權益人、醫生或任何其他人士提供方便；及
  • (iv) 必須的以免受保人的健康狀況惡化。
• 索償通知及證明
  • 受保人必須於保單有效期期間，並在獲悉患上非嚴重疾病或嚴重疾病當日起計九十(90)日內提出索償。除非證明無法合理地在此期間內提出索償，並已在合理的情況下儘早提出索償，否則，中銀人壽無須對逾期作出的非嚴重疾病或嚴重疾病索償 (視乎情況而定)負責。在中銀人壽接獲索償通知後六(6)個月內，保單權益人必須呈交索償證明文件，包括所需資料、文件及由中銀人壽接納的醫生簽署的醫療證明及報告，有關支出由保單權益人負責。中銀人壽保留權利就有關非嚴重疾病或嚴重疾病之索償(視乎情況而定)，要求受保人進行檢查或其他合理及有關檢驗以確定其存在。
• 不得異議
  • 就保單下之身故賠償，除因欠繳保費或欺詐外，自保單簽發日或恢復生效日（以較後者為準）起計在受保人生存期間持續有效達兩（2）年後，保單之有效性將不得被爭議。
• 年齡及/或性別的錯誤陳述
  • 保單是依據承保表上所載有關受保人的年齡、性別或其他與受保人相關的事實而繕發。除了中銀人壽在被欺詐的情況下擁有之權利外，若受保人的年齡、性別及/或其他與受保人相關的事實被誤報，則保單上須支付的金額及賦予的所有利益，將按照已付的保費與確實受保人的年齡、性別及相關的事實所計算原可購買的利益。若受保人的年齡被報大或性別被誤報而導致多繳保費，中銀人壽將退回多繳付之保費。若中銀人壽知悉受保人的確實年齡、性別及/或其他與受保人相關的事實，而受保人原應不符合受保資格，中銀人壽可行使絕對酌情權終止保單，而中銀人壽的責任僅限於退回已繳保費（不含利息）。
• 欺詐、失實陳述或沒有披露重大事實
  • 保單權益人應盡所知所信，提供完全屬實及真確無訛的陳述及答案。若投保書中（如有），或保單所依據的聲明，或關於影響保單或中銀人壽的風險的任何其他事項，或根據保單作出的任何索償有任何欺詐、失實陳述或沒有披露重大事實的情況，中銀人壽有完全和絕對酌情權使保單無效，而保單之下的任何索償將被取消。除非有欺詐情況，否則在該等情況下保單權益人已繳付的任何保費將被退回給保單權益人。
• 冷靜期
  • 保單權益人有權以書面通知要求取消保單及取回扣除因匯率浮動而造成的任何差額(如適用)後的所有已繳保費及中銀人壽代政府或監管機構(包括但不限於保險業監管局)按相關規定已收取的徵費及/或費用(如有) 。但是保單權益人必須簽署該通知，並確保中銀人壽於香港太古城英皇道1111號13樓之總辦事處於以下時段內直接收到該通知：保單交付保單權益人或保單權益人的代表後或《通知書》發予保單權益人或保單權益人的代表後起計的 21個曆日，以較先者為準。保單權益人明白中銀人壽將就冷靜期一事，以《通知書》及/或電話短訊通知保單權益人。若於《通知書》及/或電話短訊內註明之冷靜期的最後一日並非工作日， 則順延至下一個工作日。保單權益人若曾經因索償而獲得賠償，則不會獲退款。
• 取消保單
  • 冷靜期過後，若保單權益人在該保單年度期間沒有就本條款及保障獲得任何賠償，保單權益人可以在三十（30）日前以書面方式通知中銀人壽要求取消本條款及保障。此權利在首個（及其後的）保單年度的條款及保障續保後仍然適用。

重要提示：

本計劃是獨立的危疾保險產品，您可選擇無須捆綁式地與其他種類的保險產品一併購買。

產品資料並不包含保單的完整條款，而有關完整條款載於保單文件中。

本宣傳內容僅供參考，並只在香港以內派發，不能詮釋為在香港以外提供或出售或游說購買中銀人壽的任何產品的要約、招攬及建議。有關本計劃詳情（包括詳盡條款、細則、除外事項、保單費用及收費），請參閱中銀人壽繕發的銷售文件，包括產品小冊子、保險利益說明及保單文件及條款。如有任何查詢，請聯絡中銀人壽。

嚴重疾病之定義：

1. 癌症
   癌症指惡性腫瘤，其特徵為惡性細胞漸進地不受控制地生長及擴散，侵潤及破壞正常及周邊組織。診斷癌症必須由組織病理學報告證實腫瘤呈陽性。
   基於上述定義，下列任何一項腫瘤並不受此保障：
   • (i) 組織病理學中以下癌症分類：
     - 癌前病變，比如血小板增生症、真性紅細胞增多症、原位癌包括子宮頸上皮內贅瘤CIN-1、CIN-2 及CIN-3)；
     - 交界性腫瘤；或
     - 低惡性腫瘤。
     
   • (ii) 白血病類別中，沒有造成造血骨髓內白血病細胞廣泛擴散的情況，及被分類為RAI級別I 或Binet A-I級別或以下的慢性淋巴性白血病;
   • (iii) 所有皮膚癌，除非能夠證實腫瘤已經擴散或是利用Breslow 組織學檢驗方法證明最高厚度超過1.5mm 的惡性黑色素瘤；
   • (iv) 非致命的癌症，如下列
     - 根據TNM 組織學分期在T1a 或T1b，或其他分級方法中同等或更低分級的前列腺癌；
     - 根據TNM 組織學分期在T1N0M0或更低分級的甲狀腺癌；及
     - 根據TNM 組織學分期在TaN0M0 或更低的分級的膀胱乳頭狀癌。
     
   • (v) 根據TNM 組織學分期被界定為T1aN0M0 或T1bN0M0或更低分級的卵巢腫瘤。
2. 急性心肌梗塞
   由於供血不足引致部分心肌壞死，急性心肌梗塞須得到明確診斷且符合以下所有條件
   
   • (i) 典型胸痛症狀；
   • (ii) 心電圖變化提示新近心肌梗塞；
   • (iii) 典型心臟酵素提升或肌鈣蛋白達到以下水準或更高：
     -Troponin T > 1.0 ng/ml
     - AccuTnI > 0.5 ng/ml 或其他Troponin I 的檢驗方法同等的閾值。
     
3. 中風
   腦血管病症包括腦組織梗塞、腦出血、蛛網膜下腔出血、腦栓塞及腦血栓。
   確定診斷必須包括下列所有條件：
   • (i) 繼中風事故後最少六(6)個星期，由神經科專科醫生確定已患有永久性神經功能損害的證據；及
   • (ii) 磁力共振掃描(MRI)、電腦斷層掃描(CT)或其他可靠的顯影技術測出證明此為新發生的中風事故。
   
   基於上述定義，下列情況並不屬保障範圍：
   
   • (i) 短暫性腦缺血症狀；
   • (ii) 因意外事件或受傷、感染、血管炎及炎症性疾病引致的腦部受損；
   • (iii) 引致視覺神經疾病或影響眼睛的血管疾病；及
   • (iv) 前庭系統缺血疾病。

非嚴重疾病之定義：

1. 治療冠心病的小型介入手術
   實際進行氣囊血管成形術、鎖孔手術、激光治療或利用其他技術矯正一條或以上主要的冠狀動脈嚴重閉塞最少50%的情況，及由心臟科專科醫生證明此手術是醫療必需。
   主要的冠狀動脈是指任何左主幹冠狀動脈，左直降支動脈，迴旋支動脈及右冠狀動脈(但不包括其分支)。血管造影診斷檢查除外。
   
2. 原位癌
   原位癌指以下a) 至 n)
   
   • a) 乳房原位癌
     乳房原位癌指病灶性的癌細胞自發地增生，但尚未侵潤正常的乳房組織。「侵潤」指癌細胞穿透及/或實際破壞基底膜以下的正常組織。乳房原位癌的診斷必須由組織病理學報告證實及腫瘤科專科醫生或相關的專科醫生確診。臨床診斷不符合本保障的標準。
   • b) 子宮頸原位癌
     子宮頸原位癌指病灶性的癌細胞自發地增生，但尚未侵潤正常的子宮頸組織。「侵潤」指癌細胞穿透及/或實際破壞基底膜以下的正常組織。子宮頸原位癌的診斷必須通過子宮頸圓錐切除活組織檢查或通過陰道鏡進行子宮頸活組織檢查，取得固定組織，進行顯微鏡檢查且診斷結果呈陽性，及腫瘤科專科醫生或相關的專科醫生確診。臨床診斷不符合本保障的標準。子宮頸上皮內贅瘤（CIN）分級中的CIN 1及CIN 2 除外。
   • c) 大腸或直腸原位癌
     大腸或直腸原位癌指病灶性的癌細胞自發地增生，但尚未侵潤正常的大腸或直腸組織。「侵潤」指癌細胞穿透及/或實際破壞基底膜以下的正常組織。大腸或直腸原位癌的診斷必須由組織病理學報告證實及腫瘤專科醫生或有關的專科醫生確定診斷。臨床診斷不符合本保障的標準。
   • d) 輸卵管原位癌
     輸卵管原位癌指病灶性的癌細胞自發地增生，但尚未侵潤正常的輸卵管組織。「侵潤」指癌細胞穿透及/或實際破壞基底膜以下的正常組織。輸卵管原位癌的診斷必須由組織病理學報告證實及腫瘤科專科醫生或相關的專科醫生確診。臨床診斷不符合本保障的標準。本保障只限於輸卵管黏膜內的腫瘤。腫瘤必須根據TNM分期方法被界定為TisN0M0。
   • e) 肝臟原位癌
     肝臟原位癌指病灶性的癌細胞自發地增生，但尚未侵潤正常的肝臟組織。「侵潤」指癌細胞穿透及/或實際破壞基底膜以下的正常組織。肝臟原位癌的診斷必須由組織病理學報告證實及腫瘤專科醫生或有關的專科醫生確定診斷。臨床診斷不符合本保障的標準。
   • f) 肺原位癌
     肺原位癌指病灶性的癌細胞自發地增生，但尚未侵潤正常的肺組織。「侵潤」指癌細胞穿透及/或實際破壞基底膜以下的正常組織。肺原位癌的診斷必須由組織病理學報告證實及腫瘤專科醫生或有關的專科醫生確定診斷。臨床診斷不符合本保障的標準。
   • g) 鼻咽原位癌
     鼻咽原位癌指病灶性的癌細胞自發地增生，但尚未侵潤正常的鼻咽組織。「侵潤」指癌細胞穿透及/或實際破壞基底膜以下的正常組織。鼻咽原位癌的診斷必須由組織病理學報告證實及腫瘤專科醫生或有關的專科醫生確定診斷。臨床診斷不符合本保障的標準。
   • h) 胰臟原位癌
     胰臟原位癌指病灶性的癌細胞自發地增生，但尚未侵潤正常的胰臟組織。「侵潤」指癌細胞穿透及/或實際破壞基底膜以下的正常組織。胰臟原位癌的診斷必須由組織病理學報告證實及腫瘤專科醫生或有關的專科醫生確定診斷。臨床診斷不符合本保障的標準。
   • i) 陰莖原位癌
     陰莖原位癌指病灶性的癌細胞自發地增生，但尚未侵潤正常的陰莖組織。「侵潤」指癌細胞穿透及/或實際破壞基底膜以下的正常組織。陰莖原位癌的診斷必須由組織病理學報告證實及腫瘤專科醫生或有關的專科醫生確定診斷。臨床診斷不符合本保障的標準。
   • j) 胃或食道原位癌
     胃或食道原位癌指病灶性的癌細胞自發地增生，但尚未侵潤正常的胃或食道組織。「侵潤」指癌細胞穿透及/或實際破壞基底膜以下的正常組織。胃或食道原位癌的診斷必須由組織病理學報告證實及腫瘤專科醫生或有關的專科醫生確定診斷。臨床診斷不符合本保障的標準。
   • k) 睪丸原位癌
     睪丸原位癌指病灶性的癌細胞自發地增生，但尚未侵潤正常的睪丸組織。「侵潤」指癌細胞穿透及/或實際破壞基底膜以下的正常組織。睾丸原位癌（精管內生殖細胞瘤）的診斷必須由組織病理學報告證實及腫瘤科專科醫生或相關的專科醫生確診。此保障只包括睾丸生殖細胞腫瘤。其他的睾丸腫瘤包括性索間質腫瘤（Leydig 細胞），支持細胞（Sertoli 細胞）腫瘤及並非直接生長在睾丸組織內的腫瘤（附屬器腫瘤）一概不包括在此保障範圍內。臨床診斷不符合本保障的標準。
   • l) 泌尿道原位癌
     泌尿道原位癌指病灶性的癌細胞自發地增生，但尚未侵潤正常的泌尿道組織。「侵潤」指癌細胞穿透及/或實際破壞基底膜以下的正常組織。泌尿道原位癌的診斷必須由組織病理學報告證實及腫瘤專科醫生或有關的專科醫生確定診斷。臨床診斷不符合本保障的標準。膀胱原位癌包括TNM 分期方法被界定為Ta級別的膀胱乳頭狀癌。
   • m) 子宮原位癌
     子宮原位癌指病灶性的癌細胞自發地增生，但尚未侵潤正常的子宮組織。「侵潤」指癌細胞已穿透及/或實際破壞基底膜以下的正常組織。子宮原位癌的診斷必須由組織病理學報告證實及腫瘤科專科醫生或相關的專科醫生確診。臨床診斷不符合本保障的標準。腫瘤必須根據TNM分期方法被界定為TisN0M0。
   • n) 陰道原位癌
     陰道原位癌指病灶性的癌細胞自發地增生，但尚未侵潤正常的陰道組織。「侵潤」指癌細胞穿透及/或實際破壞基底膜以下的正常組織。陰道原位癌的診斷必須由組織病理學報告證實及腫瘤科專科醫生或相關的專科醫生確診。臨床診斷不符合本保障的標準。腫瘤必須根據TNM 分期方法被界定為TisN0M0。
3. 早期癌症
   早期癌症指以下a)至c)
   
   • a) 早期卵巢癌
     早期卵巢癌的診斷必須由組織病理學報告證實及腫瘤科專科醫生或相關的專科醫生確診。臨床診斷不符合本保障的標準。腫瘤包膜必須完整，卵巢表面無腫瘤。腫瘤必須根據TNM分期方法被界定為T1aN0M0 或T1bN0M0，或根據FIGO方法被界定為FIGO 1A或1B階段。
   • b) 早期前列腺癌
     早期前列腺癌的診斷必須由組織病理學報告證實及腫瘤科專科醫生或相關的專科醫生確診。臨床診斷不符合本保障的標準。腫瘤必須根據TNM分期方法被界定為T1a或T1b。
   • c) 早期甲狀腺癌
     早期甲狀腺癌是指由組織學報告診斷為癌細胞已不受控地增生及侵潤正常組織並根據TNM 組織學分期被界定為T1N0M0的甲狀腺癌。早期甲狀腺癌的診斷必須由組織病理學報告證實及腫瘤科專科醫生或相關的專科醫生確診。臨床診斷不符合本保障的標準。

2021年7月刊發 ALP/L/V03/0721

BOC Group Life Assurance Company Limited

AlongPro Critical Illness Plan (“the Plan”)

Product Features and Benefits of this critical illness insurance plan

• Issue Age : 18 to 60
• Policy Currency : HKD
• Benefit Term : To age 80 (Guaranteed annual renewal until age 80)
• Payment Mode : Annual /Monthly (premium is guaranteed unchanged for every 5 years¹)
• Sum Insured Options²: HKD200,000/500,000/1,000,000/1,500,000/2,500,000
• Covered illnesses : Cancer/Stroke/Heart Illness³/Carcinoma-in-situ/Early Cancer
• Major Illness Benefit⁴ : Lump sum payment of 100% of Initial Sum Insured less any claims paid or payable under Minor Illness Benefit (if any) and any outstanding premiums, policy will be terminated upon the payment of this benefit.
• Minor Illness Benefit^{4, 5} : Lump sum payment of 20% of Initial Sum Insured less any outstanding premiums, payable once only. The Sum Insured will be reduced accordingly upon the payment of this benefit.
• Death Benefit⁶ : Lump sum payment of 100% of Initial Sum Insured less any claims paid or payable under Minor Illness Benefit (if any) and any outstanding premiums.
• Waiting Period⁷ : 90 days

Remarks:

1. The premium of the policy is guaranteed to remain unchanged for the first 5 years from the Policy Date. The premium will be adjusted every 5 Policy Years commencing from the 5^th Policy Anniversary and will remain unchanged for such period of 5 years until the next premium adjustment date, or a shorter period where the policy is terminated within such 5 years’ period. The adjusted premium will be determined in accordance with the age and risk class of the Insured and the premium rate then in effect on the date of adjustment, whereas BOC Life reserves the right to change the premium rate at its absolute discretion.
2. The total Sum Insured amount of each Insured under all policies of this Plan shall not exceed HKD2,500,000. The Sum Insured options HKD1,500,000/HKD2,500,000 are applicable to the insured of 18-49 at the time of policy issuance.
3. Heart Illness includes Heart Attack and Minor Interventions for Coronary Artery Disease.
4. Major Illness includes Cancer, Heart Attack and Stroke. Minor Illness includes Carcinoma-in-situ, Early Stage Cancer and Minor Interventions for Coronary Artery Disease. If the Insured is covered by more than one policy under AlongPro Critical Illness Plan and/or iProtect 10 Years Insurance Plan and/or ProtectU Insurance Plan, (a) the total maximum amount of the Major Illness Benefit payable under all such policies shall be equal to HKD 2,500,000 less all Minor Illness Benefit paid or payable (if any) under all such policies less any Indebtedness and any outstanding premiums under all such policies; and (b) BOC Life shall only be required to pay the amount in (a) once for all such policies.
5. In any case, for Carcinoma-in-situ and Minor Interventions for Coronary Artery Disease, the maximum amount of lump sum benefit for all claims in aggregate isHKD360,000(per illness per Insured). For Early Stage Cancer, the maximum amount of lump sum benefit for all claims in aggregate is HKD240,000(per illness per Insured).
6. If the Insured is covered by more than one policy under AlongPro Critical Illness Plan and/or iProtect 10 Years Insurance Plan and/or ProtectU Insurance Plan, (a) the total maximum amount of the Death Benefit payable under all such policies shall be equal to HKD 2,500,000 less all Minor Illness Benefit paid or payable (if any) under all such policies less any Indebtedness and any outstanding premiums under all such policies; and (b) BOC Life shall only be required to pay the amount in (a) once for all such policies.
7. No Minor Illness Benefit or Major Illness Benefit will be payable under the policy for any Minor Illness or Major Illness, the symptoms or conditions of which or the Diagnosis of which first appeared or occurred within ninety days immediately following the Policy Issue Date or the date of endorsement or the effective date of last reinstatement(whichever is the latest). This clause shall not apply to any Minor Illness or Major Illness caused by an Accident.

Important Notes:

• The Plan is underwritten by BOC Group Life Assurance Company Limited ("BOC Life") . BOC Life is authorized and regulated by Insurance Authority to carry on long term business in the Hong Kong Special Administrative Region of the People's Republic of China (“Hong Kong”).
• BOC Life reserves the right to decide at its sole discretion to accept or decline any application for the Plan according to the information provided by the proposed insured and the applicant at the time of application. For details and the definitions of the Major Illnesses and Minor Illnesses, please refer to the policy documents and provisions issued by BOC Life.
• The Plan is subject to the formal policy documents and provisions issued by BOC Life. Please refer to the relevant policy documents and provisions for details of the insured items and coverage, provisions and exclusions.Should there be any discrepancy between the Chinese and English versions of the features of the Plan, the English version shall prevail.
• BOC Life reserves the right to amend, suspend or terminate the Plan at any time and to amend the relevant terms and conditions. In case of dispute(s), the decision of BOC Life shall be final.

Other Key Risks:

Key Exclusions:

• No Major Illness Benefit or Minor Illness Benefit will be payable under the Plan for any Major Illness or Minor Illness resulting from, or related to, or caused or contributed directly or indirectly, wholly or partly, by any of the followings:
  • (i) Any Pre-existing Condition;
  • (ii) Congenital deformities or anomalies, infertility or sterilization;
  • (iii) Drug-taking other than under the direction of a Physician, abuse of alcohol or the taking of poison;
  • (iv) Disease of or infection with any Human Immunodeficiency Virus (HIV) and/or any HIV-related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutations, derivations or variations thereof. Under the Plan, the definition of AIDS shall be that used by the World Health Organization in 1987, as may be revised by the World Health Organization from time to time;
  • (v) Nuclear fission, nuclear fusion, ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuels or nuclear weapons material;
  • (vi) War or hostilities (whether war be declared or not), civil commotion, rebellion, revolution, riot, strikes, terrorist or warlike activities;
  • (vii) Participation in any armed force or peace keeping activities;
  • (viii) An act of any person acting on their own or on behalf of or in connection with any group or organisation to influence by force any group, corporation or government by terrorism, kidnapping or attempted kidnapping, attack, assault, or any other violent means;
  • (ix) An intentional self-inflicted act;
  • (x) Violation or attempted violation of the law or resistance to arrest or participation in any brawl or affray; or
  • (xi) Professional sports, racing of any kind, underwater activities involving the use of breathing apparatus, aerial flights (including bungee-jumping, hang-gliding, ballooning, parachuting and sky-diving) other than as a crew member or as a fare-paying passenger on a licensed carrying commercial aircraft operating in a regular scheduled route or any hazardous activities or sports unless agreed by special endorsement.
• No Minor Illness Benefit or Major Illness Benefit will be payable under the policy for any Minor Illness or Major Illness, the symptoms or conditions of which or the Diagnosis of which first appeared or occurred within ninety (90) days immediately following the Policy Issue Date or the date of endorsement or the effective date of last reinstatement, whichever is the latest. This Clause shall not apply to any Minor Illness or Major Illness caused by an Accident.
• The premium payable of the Plan and/or the Rider (if any) at the time of application and renewal is calculated based on the following factors (if applicable), including but not limited to the Sum Insured, gender, issue age, attained age, smoking habit, premium payment term, underwriting class, risk class and residency, and is not guaranteed. BOC Life reserves the right to review and adjust the premium payable at any time. Factors leading to such adjustment include but not limited to emergence of difference between actual experience and current expectation.
• The Policy Owner should pay premium on time during the premium payment term. It may result in lapse or termination of the policy if the required amount (such as premium) is not made before expiry of the grace period (if applicable) as prescribed by BOC Life. Nevertheless, it is subject to the automatic premium loan (if applicable) (BOC Life will advance the premium due from the non-forfeiture value as an automatic premium loan) and non-forfeiture provisions (if applicable). If the policy is terminated or lapsed due to non-payment of premium, the Policy Owner will lose the insurance protection provided by the policy.
• BOC Life may terminate the policy before the maturity date if any one of the following events occurs:
  • (i) The premium payment cannot be settled after expiry of the grace period by Policy Owner; or
  • (ii) the death of the Insured; or
  • (iii) BOC Life approves the Policy Owner’s written request for surrender; or
  • (iv) the non-forfeiture value is less than zero (if applicable); or
  • (v) After Major Illness Benefit is paid, the Plan shall be terminated; or
  • (vi) the Policy Owner is not able to fulfill regulators’ requirements within a reasonable time period.
• The actual rate of inflation may be higher than expected, therefore the amount you receive may be less in real terms.
• Medically Necessary
  • It means in respect of confinement, treatment, procedure, supplies or other medical services, such confinement, treatment, procedure, supplies or other medical services which are, in BOC Life’s opinion:
  • (i) required for, appropriate and consistent with the symptoms and findings or Diagnosis and treatment of the covered illness;
  • (ii) in accordance with generally accepted medical practice and not of an experimental or investigative nature;
  • (iii) not for the convenience of the Insured, the Policy Owner, the Physician or any other person; and
  • (iv) not able to be omitted without adversely affecting the Insured’s medical condition.
• Notice and proof of claims
  • A claim must be made whilst the policy is in force and within ninety (90) days of the Insured becoming aware that he is suffering from a Minor Illness or Major Illness. If the claim is not made within that period, BOC Life will not be liable to pay the Minor Illness Benefit or Major Illness Benefit (as the case may be) unless it is shown that it was not reasonably possible to make such a claim, and that the claim was made as soon as was reasonably possible. Written proof of loss, such as the necessary information, documents, medical evidence and reports signed by a Physician approved by BOC Life, which it requires the Policy Owner to provide at his expense, must be received by BOC Life within six (6) months after it receives the written notice of claim. BOC Life reserves the right to require the Insured to undergo an examination or other reasonable and appropriate tests to confirm the occurrence of the Minor Illness or Major Illness (as the case may be).
• Incontestability
  • In terms of the Death Benefit under the policy, the validity of the policy shall not be contestable after the policy has been in force for two (2) years from the Policy Issue Date or date of any reinstatement, whichever is later, and during the lifetime of the Insured, except for non-payment of premiums or fraud.
• Mis-statement of age and/or sex
  • The policy is issued in accordance with the Insured's age, sex or other facts relating to the Insured as shown in the Policy Specifications. Subject to BOC Life’s rights in the case of fraud, if the Insured’s age, sex and/or other relevant facts has/have been mis-stated, the amount payable and every benefit accruing under the policy shall be such as the premiums paid would have purchased on the basis of the Insured's correct age, sex and facts relating to the Insured. If the Insured’s age has been overstated or sex has been misstated and as a result of which excess premium has been paid, any excess premium paid shall be refunded. If the Insured's correct age, sex and/or other correct facts relating to the Insured had been known to BOC Life, and the Insured would not have been eligible for the policy, BOC Life may in its absolute discretion, terminate the policy and its liability will be limited to a refund of the premiums paid (without interest).
• Fraud, misrepresentation or material non-disclosure
  • Policy Owner should declare to the best of the knowledge and belief that all the statements and answers are full, complete and true. In case of any fraud, misrepresentation or non-disclosure of any material fact in the Application (if any) or declaration on which the policy is based or in relation to any other matter affecting the policy or BOC Life's risk or in connection with the making of any claim under the policy, BOC Life shall have the sole and absolute discretion to render the policy null and void and all claims hereunder shall be forfeited. Unless there is fraud, any premiums paid by the Policy Owner shall be refundable to him in such circumstances.
• Cooling-off period
  • Policy Owner has the right to cancel the policy and obtain a refund of any premium(s) and the levy and/ or charges (if any) paid, which are collected by BOC Life on behalf of the government or the regulatory authority (including but not limited to the Insurance Authority) according to the relevant requirements, less any difference caused by exchange rate fluctuation, where applicable, by giving written notice. Such notice must be signed by the Policy Owner and received directly by BOC Life’s Principal Office at 13/F, 1111 King’s Road, Taikoo Shing, Hong Kong within 21 calendar days after the delivery of the policy or issue of a Notice to the Policy Owner or the representative of the Policy Owner, whichever is the earlier. The Policy Owner understands that BOC Life will notify the Policy Owner of the Cooling- off Period via a Notice and / or text message. If the last day of the Cooling-off Period as indicated in the Notice and/or the text message is not a working day, it will fall on the next working day. No refund can be made if a claim has been admitted.
• Cancellation
  • After the cooling-off period, the Policy Owner can request cancellation of these Terms and Benefits by giving thirty (30) days prior written notice to BOC Life, provided that there has been no benefit payment under these Terms and Benefits during the relevant Policy Year. The cancellation right under this Section shall also apply after these Terms and Benefits have been Renewed upon expiry of its first (or subsequent) Policy Year.

Important Notice:

You have an option to purchase the Plan as a standalone critical illness insurance plan instead of bundling with other type(s) of insurance product.

The product information does not contain the full terms of the policy and the full terms can be found in the policy documents.

This promotion content is for reference only and is intended to be distributed in Hong Kong only. It shall not be construed as an offer to sell or solicitation of an offer or recommendation to purchase or sale or provision of any products of BOC Life outside Hong Kong. Please refer to the sales documents, including product brochure, benefit illustration and policy documents and provisions issued by BOC Life for details (including detailed terms, conditions, exclusions, policy costs and fees) of the Plan and the supplementary riders (if any). For enquiries, please contact BOC Life.

DEFINITION OF MAJOR ILLNESS:

1. Cancer
   Cancer means the presence of a malignant tumour that is characterisedby progressive, uncontrolled growth, spread of malignant cells with invasion and destruction of normal and surrounding tissue. Cancer must be positively Diagnosed with histopathological confirmation.
   Based on above definition, any of the following tumours is not covered:
   
   • (i) All growths which are histopathologically classified as any of the following:
     - pre-malignant (for example: essential thrombocythaemia, polycythaemia rubra vera, tumoursshowing the malignant changes of carcinoma-in-situ including cervical intraepithelial neoplasia CIN-1, CIN-2 and CIN-3);
     - having either borderline malignancy; or
     - having low malignant potential.
   • (ii) Leukaemia if there is no generalized dissemination of leukaemia cells in the blood-forming bone marrow and chronic lymphocytic leukaemia with staging RAI Stage I or Binet Stage A-I or lesser classification;
   • (iii) All skin cancers, unless there is evidence of metastases or the tumour is a malignant melanoma ofgreater than 1.5mm maximum thickness as determined by histological examination using the Breslow method;
   • (iv) Non life-threatening cancers, such as:
     - prostate cancers which are histologically described as TNM Classification T1a or T1b, or are of anotherequivalent or lesser classification;
     - thyroid cancer histologically described as T1N0M0 or a lesser classification according to the TNM staging classification; and
     - papillary cancer of the bladder histologically described as TaN0M0 or of a lesser classification according to the TNM staging classification.
     
   • (v) Tumour(s) of the ovary classified as T1aN0M0 or T1bN0M0 or a lesser classification according to TNM staging classification.
2. Heart Attack
   Unequivocal Diagnosis of the death of a portion of the heart muscle arising from inadequate blood supply to the relevant area.
   All of the following criteria must be satisfied:
   
   • (i) Typical central chest pain suggestive of heart attack;
   • (ii) New ECG changes indicative of a recent myocardial infarction;
   • (iii) The characteristic rise of cardiac enzymes or Troponins recorded at the following levels or higher:
     - Troponin T > 1.0 ng/ml
     - AccuTnI > 0.5 ng/ml or equivalent threshold with other Troponin I methods.
     
3. Stroke
   A cerebrovascular incident including infarction of brain tissue, cerebral and subarachnoid haemorrhage, cerebral embolism and cerebral thrombosis.
   This Diagnosis must be supported by all of the following conditions:
   
   • (i) Evidence of Permanent Neurological Deficit confirmed by a Physician who is a neurologist at least six (6) weeks after the event; and
   • (ii) Findings on magnetic resonance imaging (MRI), computed tomography (CT), or other reliable imaging techniques consistent with the Diagnosis of a new stroke.
   
   Based on above definition, the following are not covered:
   
   • (i) Transient Ischaemic Attacks;
   • (ii) Brain damage due to an Accident or injury, infection, vasculitis, and inflammatory disease;
   • (iii) Vascular disease affecting the eye or optic nerve; and
   • (iv) Ischaemic disorders of the vestibular system.

DEFINITION OF MINOR ILLNESS:

1. Minor Interventions for Coronary Artery Disease
   The actual undergoing of balloon angioplasty, key-hole, laser relief or other techniques to correct significant stenosis of at least 50% of one or more major coronary arteries as considered Medically Necessary by a Physician who is a cardiologist.
   Major coronary arteries herein refer to any of the left main stem artery, left anterior descending artery, circumflex artery and right coronary artery (but not including their branches). Diagnostic angiography is excluded.
   
2. Carcinoma-in-situ
   Carcinoma-in-situ refers to a) to n) below
   
   • a) Carcinoma-in-situ of the Breast
     A focal autonomous new growth of carcinomatous cells which has not yet resulted in the invasion of normal tissue of the breast. "Invasion" means an infiltration and/or active destruction of normal tissue beyond the basement membrane. Diagnosis of carcinoma-in-situ of the breast must always be supported by a histopathological report and confirmed by a Physician who is an oncologist or specialist in the respective specific area of medicine. Clinical Diagnosis does not meet this standard.
   • b) Carcinoma-in-situof the Cervix Uteri
     A focal autonomous new growth of carcinomatous cells, which has not yet resulted in the invasion of normal tissue of the cervix uteri. "Invasion" means an infiltration and/or active destruction of normal tissue beyond the basement membrane. Diagnosis of carcinoma-in-situ of the cervix uteri must always be positively Diagnosed upon the basis of a microscopic examination of fixed tissue from a cone biopsy or colposcopy with cervical biopsy and confirmed by a Physician who is an oncologistor specialist in the respective specific area of medicine. Clinical Diagnosis does not meet this standard. Cervical Intraepithelial Neoplasia (CIN) classification including CIN-1 and CIN-2 are specifically excluded.
   • c) Carcinoma-in-situ of the Colon or rectum
     A focal autonomous new growth of carcinomatous cells which has not yet resulted in the invasion of normal tissue of the colon or rectum. "Invasion" means an infiltration and/or active destruction of normal tissue beyond the basement membrane. Diagnosis of carcinoma-in-situ of the colon or rectum must always be supported by a histopathological report. The Diagnosis must be confirmed by a Physician who is an oncologist or specialist in the respective specific area of medicine. Clinical Diagnosis does not meet this standard.
   • d) Carcinoma-in-situ of the Fallopian Tube
     A focal autonomous new growth of carcinomatous cells which has not yet resulted in the invasion of normal tissue of the fallopian tube. "Invasion" means an infiltration and/or active destruction of normal tissue beyond the basement membrane. Diagnosis of carcinoma-in-situ of the fallopian tube must always be supported by a histopathological report and confirmed by a Physician who is an oncologist or specialist in the respective specific area of medicine. Clinical Diagnosis does not meet this standard. This tumour should be limited to the tubal mucosa and classified as TisN0M0 according to the TNM staging classification.
   • e) Carcinoma-in-situ of the Liver
     A focal autonomous new growth of carcinomatous cells which has not yet resulted in the invasion of normal tissue of the liver. "Invasion" means an infiltration and/or active destruction of normal tissue beyond the basement membrane. Diagnosis of carcinoma-in-situ of the liver must always be supported by a histopathological report. The Diagnosis must be confirmed by a Physician who is an oncologist or specialist in the respective specific area of medicine. Clinical Diagnosis does not meet this standard.
   • f) Carcinoma-in-situ of the Lung
     A focal autonomous new growth of carcinomatous cells which has not yet resulted in the invasion of normal tissue of the lung. "Invasion" means an infiltration and/or active destruction of normal tissue beyond the basement membrane. Diagnosis of carcinoma-in-situ of the lung must always be supported by a histopathological report. The Diagnosis must be confirmed by a Physician who is an oncologist or specialist in the respective specific area of medicine. Clinical Diagnosis does not meet this standard.
   • g) Carcinoma-in-situ of the Nasopharynx
     A focal autonomous new growth of carcinomatous cells which has not yet resulted in the invasion of normal tissue of the nasopharynx. "Invasion" means an infiltration and/or active destruction of normal tissue beyond the basement membrane. Diagnosis of carcinoma-in-situ of the nasopharynx must always be supported by a histopathological report. The Diagnosis must be confirmed by a Physician who is an oncologist or specialist in the respective specific area of medicine. Clinical Diagnosis does not meet this standard.
   • h) Carcinoma-in-situ of the Pancreas
     A focal autonomous new growth of carcinomatous cells which has not yet resulted in the invasion of normal tissue of the pancreas. "Invasion" means an infiltration and/or active destruction of normal tissue beyond the basement membrane. Diagnosis of carcinoma-in-situ of the pancreas must always be supported by a histopathological report. The Diagnosis must be confirmed by a Physician who is an oncologist or specialist in the respective specific area of medicine. Clinical Diagnosis does not meet this standard.
   • i) Carcinoma-in-situ of the Penis
     A focal autonomous new growth of carcinomatous cells which has not yet resulted in the invasion of normal tissue of the penis. "Invasion" means an infiltration and/or active destruction of normal tissue beyond the basement membrane. Diagnosis of carcinoma-in-situ of the penis must always be supported by a histopathological report. The Diagnosis must be confirmed by a Physician who is an oncologist orspecialist in the respective specific area of medicine. Clinical Diagnosis does not meet this standard.
   • j) Carcinoma-in-situ of the Stomach or oesophagus
     A focal autonomous new growth of carcinomatous cells which has not yet resulted in the invasion of normal tissue of the stomach or oesophagus. "Invasion" means an infiltration and/or active destruction of normal tissue beyond the basement membrane. Diagnosis of carcinoma-in-situ of the stomach or oesophagus must always be supported by a histopathological report. The Diagnosis must be confirmed by a Physician who is an oncologist or specialist in the respective specific area of medicine. Clinical Diagnosis does not meet this standard.
   • k) Carcinoma-in-situ of the Testes
     A focal autonomous new growth of carcinomatous cells which has not yet resulted in the invasion of normal tissue of the testes. "Invasion" means an infiltration and/or active destruction of normal tissue beyond the basement membrane. Diagnosis of carcinoma-in-situ of the testes (intratubular germ cell neoplasia) must always be supported by a histopathological report and confirmed by a Physician who is an oncologist or specialist in the respective specific area of medicine. This benefit covers only germ cell tumours of the testes. Other testicular tumours including sex cord-stromal tumours (Leydig), Sertoli tumours and tumours not arising directly from the testicular tissue (adnexal) are all excluded. Clinical Diagnosis does not meet this standard.
   • l) Carcinoma-in-situ of the Urinary Tract
     A focal autonomous new growth of carcinomatous cells which has not yet resulted in the invasion of normal tissue of the urinary tract. "Invasion" means an infiltration and/or active destruction of normal tissue beyond the basement membrane. Diagnosis of carcinoma-in-situ of the urinary tract must always be supported by a histopathological report. The Diagnosis must be confirmed by a Physician who is an oncologist or specialist in the respective specific area of medicine. Clinical Diagnosis does not meet this standard.
     For the purpose of carcinoma-in-situ of the bladder, stage Ta of papillary carcinoma is included according to TNM staging classification.
   • m) Carcinoma-in-situ of the Uterus
     A focal autonomous new growth of carcinomatous cells which has not yet resulted in the invasion of normal tissue of the uterus. "Invasion" means an infiltration and/or active destruction of normal tissue beyond the basement membrane. Diagnosis of carcinoma-in-situ of the uterus must always be supported by a histopathological report and confirmed by a Physician who is an oncologist or specialist in the respective specific area of medicine. Clinical Diagnosis does not meet this standard. This tumour should be classified as TisN0M0 according to the TNM Classification.
   • n) Carcinoma-in-situ of the Vagina
     A focal autonomous new growth of carcinomatous cells which has not yet resulted in the invasion of normal tissue of the vagina. "Invasion" means an infiltration and/or active destruction of normal tissue beyond the basement membrane. Diagnosis of carcinoma-in-situ of the vagina must always be supported by a histopathological report and confirmed by a Physician who is an oncologist or specialist in the respective specific area of medicine. Clinical Diagnosis does not meet this standard. This tumour should be classified as TisN0M0 according to the TNM staging classification.
3. Early Stage Cancer
   Early Stage Cancer refers to a) to c) below
   
   • a) Early Stage Cancer of the Ovary
     Diagnosis of early stage cancer of the ovary must always be supported by a histopathological report and confirmed by a Physician who is an oncologist or specialist in the respective specific area of medicine. Clinical Diagnosis does not meet this standard. This tumour should be capsule intact, with no tumour on the ovarian surface, classified as T1aN0M0 or T1bN0M0 according to the TNM staging classification or FIGO 1A or 1B according to the method of The Federation Internationale de Gynecologie et d'Obstetrique.
   • b) Early Stage Cancer of the Prostate
     Diagnosis of early stage cancer of the Prostate must always be supported by a histopathological report and confirmed by a Physician who is an oncologist or specialist inthe respective specific area of medicine. Clinical Diagnosis does not meet this standard. This tumour should be classified as T1a or T1b according to the TNM staging method.
   • c) Early Stage Cancer of the Thyroid
     Any malignant tumour of the thyroid gland is histologically Diagnosed and characterized by the uncontrolled growth of malignant cells and invasion of normal tissue, which is classified as T1N0M0 according to the TNM staging classification. The Diagnosis must be supported by a histopathological report and confirmed by a Physician who is an oncologist or specialist in the respective specific area of medicine. Clinical Diagnosis does not meet this standard.

Published in July 2021 ALP/L/V03/0721