CrisisCare Term Insurance Plan- China Life (Overseas)

Enrollment Terms

Issue Age : From 15 days after birth to 50 years old

Renewal Up To : 55 years old

Policy Currency : HKD

Benefit Term : Yearly count but guaranteed renewal for 5 years

Premium Payment Method : Annual or Monthly

Sum Assured : HKD100,000 to HKD390,000

Plan Features

Death Benefit and International Emergency Assistance Service²

If the Insured passes away during the Policy term, we will pay a Death Benefit to the Beneficiary equal to 10% of the Sum Assured. Meanwhile, if the Insured is diagnosed with an illness or is injured in an accident outside Hong Kong, he or she will enjoy comprehensive coverage under the free 24-hour International Emergency Assistance Service².

Protection Against Specialised Critical Illness(es)

CrisisCare Term Insurance Plan covers specified male and female Critical Illness(es) and pays the Sum Assured in case of malignant tumours (excluding carcinoma-in-situ).

To covers children’s protection needs, the Plan also pays out a Child-related Critical Illness Benefit if the Insured is diagnosed by a Physician with any covered Child-related Critical Illness(es) upon or before reaching the age of 17.

Affordable Premium

Assuming that a 25-year-old male enrols in the Plan with a Sum Assured of HKD100,000, the annual premium currently is just HKD240¹.

Protection Against Cancers

If the Insured is diagnosed by a Physician with malignant tumours at designated organs such as Nasopharynx, Colon, Liver and Lung, we will pay a lump-sum Common Critical Illness Benefit equal to the Sum Assured.

Benefit Schedule

Benefit type	Maximum number of claims	Maximum benefit amount (% of the original sum assured)	Benefit term (age of the insured)
Common critical illness benefit¹
A malignant neoplasm primary to a specific organ(s). Specific organs include: nasopharynx,colon, rectum, anus and anal canal, liver and intrahepatic bile ducts, larynx, bronchus and lung, breast and kidney except renal pelvis.	1	100% of the sum assured	Up to age 55
Male-related critical illness benefit¹
A malignant neoplasm primary to a specific male organ(s). Specific male organs include: penis, prostate, testis.	1	100% of the sum assured	Age 18 to 55
Female-related critical illness benefit¹
A malignant neoplasm primary to a specific female organ(s). Specific female organs include: vulva, vagina, cervix uteri, corpus uteri, ovary.	1	100% of the sum assured	Age 18 to 55
Child-related critical illness benefit¹
child-related critical illness(es) Type 1 diabetes mellitus Rheumatic fever with valvular Involvement Autism Kawasaki disease Osteogenesis imperfect – Type III Intellectual impairment due to sickness and/or accidental bodily injury	1	100% of the sum assured	Up to age 17
Death benefit	1	10% of the sum assured	Up to age 55
24-hour worldwide emergency assistance service⁴	Included		Up to age 55

Notes

The covered malignant neoplasm under common critical illness benefit, male-related critical illness benefit and female-related critical illness benefit, plus the covered child-related critical illness(es) under child-related critical illness benefit are collectively known as “covered critical illnesses”.
If the required renewal premium is paid by you within the grace period, the policy shall continue to be in force. For details, please refer to the policy provisions issued by China Life (Overseas). If the policy is lapsed or surrendered early, the policy cash value (if any) received by you may be considerably less than the total amount of the premium paid.
China Life (Overseas) reserves the right to review the premium rates on each policy anniversary and revises the terms and conditions and/or the benefit items of the policy from time to time.
24-hour worldwide emergency assistance service is provided by third party service providers. China Life (Overseas) shall not be liable for any matter in connection with the service. China Life (Overseas) reserves the right to amend the terms and conditions thereof from time to time without prior notice.

Terms and Conditions

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.

This shall not be construed as any provision of or offer to sell or solicitation to buy any insurance product outside Hong Kong. China Life (Overseas) does not provide or offer to sell any insurance product outside Hong Kong.

For promotion details of the above plan, please call us at 3999 5598 or email us at enquiry@chinalife.com.hk for details.

CrisisCare Term Insurance Plan

Death Benefit and International Emergency Assistance Service2

Protection Against Specialised Critical Illness(es)

Affordable Premium

Protection Against Cancers

Death Benefit and International Emergency Assistance Service²