This brochure is for reference only. It is not, and does not form part of, a contract of insurance and is designed to provide an overview of the key features of this product. The precise terms and conditions of this plan are specified in the policy contract. Please refer to the policy contract for the definitions of capitalised terms, and the exact and complete terms and conditions of cover. This brochure should be read along with the illustrative document (if any) and other relevant marketing materials, which include additional information and important considerations about this product. We would like to remind you to review the relevant product materials provided to you and seek independent professional advice if necessary.

This plan is an insurance plan without any savings element. All premiums are paid for the insurance and related costs.

This brochure is for distribution in Hong Kong only.

1. You should pay premium(s) for this plan till insured’s age 85. If you do not pay the premium within 31 days of the premium due date, the policy will be terminated and you / the insured will lose the cover.
2. We will terminate your policy and you / the insured will lose the cover when one of the following happens:
   • when the claims payments made in total for Severe Condition Benefit and Serious Infectious Disease Benefit under the policy reach 120% of the Sum Assured (where no add-on plan is selected);
   • the insured passes away;
   • you do not pay the premium within 31 days of the due date; 
   • anniversary of your cover immediately following the insured’s 85th birthday; or
     
   • the plan is converted to a whole life insurance plan.
3. We underwrite the plan and you are subject to our credit risk. If we are unable to satisfy the financial obligations of the policy, you may lose your premium paid and benefits.
4. You are subject to exchange rate risks for plans denominated in currencies other than the local currency. Exchange rates fluctuate from time to time. You may suffer a loss of your benefit values and the subsequent premium payments (if any) may be higher than your initial premium payment as a result of exchange rate fluctuations. You should consider the exchange rate risks and decide whether to take such risks.
5. Your current planned benefit may not be sufficient to meet your future needs since the future cost of living may become higher than they are today due to inflation. Where the actual rate of inflation is higher than expected, you may receive less in real terms even if we meet all of our contractual obligations.
6. If the insured undergoes a surgery which is not included in any surgical category under the Voluntary Health Insurance Scheme Schedule of Surgical Procedures, or if this Schedule of Surgical Procedures is no longer valid or is replaced, or if the categories of surgical procedures in this Schedule are renamed or otherwise changed, we will reasonably determine the applicable surgical category based on other surgical procedures with similar difficulty and complexity included in the Schedule of Surgical Procedures and / or any other publication or information from the Government, relevant authorities or medical associations.
   
7. If Public Health Emergency of International Concern is no longer valid due to any change at or made by the World Health Organization (including if the World Health Organization ceases to exist), from that point onward, we will choose at our option to either follow the last such declaration by the World Health Organization or any other equivalent declaration from other health organisations.
   
8. In some situations, total premiums payable may be greater than the received Sum Assured.

Except for the death benefit, under this plan, we will not cover any events or conditions that result from any of the following events:

• any illnesses with signs / symptoms which first occurred before or within 90 days after the policy is issued;
• any treatment, investigation, service or supplies which are not medically necessary;
• any confinement (including in the Intensive Care Unit) which is not a Reasonable and Customary Hospital Confinement;
• routine health checks, screening or preventive services or supplies;
• any experimental, unproven or unconventional medical technology / procedure / therapy or novel drugs/ medicines, except in relation to a claim involving the Severity Level of Serious or Extremely Serious under Treatment Factor;
• mental, behavioural, psychiatric or psychological disorder, including but not limited to anxiety, anorexia, depression stress, fatigue, psychiatric complications of a physical disorder, cognitive impairment, sleep disorders, nicotine or alcohol or drug or substance abuse/dependency, or any complication of any of them;
• cosmetic or plastic surgery, prophylactic surgery or treatment, treatment of obesity (including morbid obesity) and weight control programmes, organ donation as the donor, or treatment of an optional nature, except plastic or reconstructive surgery on the head or on the breast which is deemed to be medically necessary to restore function or appearance following previous surgery on the head or breast done for a covered illness of cancer or carcinoma-in-situ (surgery solely for isolated dental restorations is excluded);
• convalescence or custodial or rest care;
• AIDS or any complications associated with HIV Infection, except where occupationally acquired or due to blood transfusion or assault; and
• any treatment or medications that are not provided under the practice of western medicine, except in relation to a claim involving the Severity Level of Serious or Extremely Serious under the Treatment Factor.

The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions.

In order to provide you with continuous protection, we will review the premium of your plan from time to time and adjust it accordingly at the end of each renewal period if necessary. During the review, we may consider factors including but not limited to the following:

• claim costs incurred from all policies under this plan and the expected claim outgo in the future which reflects the impact of change in the incidence rate of deaths and impact of medical trend;
• potential changes in the list of Public Health Emergencies of International Concern and the Surgical Procedures under theVoluntary Health Insurance Scheme;
• historical investment returns and the future outlook of the product’s backing asset;
• policy surrenders and lapses; or
• expenses directly related to the policy and indirect expenses allocated to this product.

• The Surgery Factor applies only if the insured undergoes a Medically Necessary surgery due to the diagnosis of the covered illness of cancer or carcinoma-in-situ.
  The Treatment Factor applies only if the insured receives or is in the process of receiving Medically Necessary medical treatment due to the diagnosis of the covered illness of cancer or carcinoma-in-situ.
  “Medically Necessary” means a medical service, procedure or supply which:

  • is consistent with generally accepted professional standards of medical practice;
  • is required to establish a diagnosis and/or to provide treatment; and
  • cannot be safely delivered at a lower level of medical care.

  Experimental, screening and preventive services or supplies are not considered Medically Necessary.

• The Intensive Hospital Stay Factor applies only if the insured stays in hospital due to the diagnosis of a covered illness of cancer or carcinoma-in-situ for a Reasonable and Customary Hospital Confinement.
  “Reasonable and Customary Hospital Confinement” means:
  A confinement in hospital for illness which is Medically Necessary, where the admission of the insured, length of confinement, and medical services and treatment received during confinement:

  • are all in accordance with standards of good medical practice; and
  • do not exceed the usual standard for the treatment of similar illness at the location where such confinement takes place.

If the insured commits suicide within one year from the date on which the policy takes effect, our liability will be limited to the refund of premiums paid (without interest) less any outstanding debt.

Except for fraud or non-payment of premiums, we will not contest the validity of this policy after it has been in force during the lifetime of the insured for a continuous period of two years from the date on which the policy takes effect. This provision does not apply to any add-on plan providing accident, hospitalisation or disability benefits.

You have the right to cancel and obtain a refund of any premiums and any levy paid by giving written notice to us. Such notice must be signed by you and submitted to the Customer Service Centre of AIA International Limited at 12/F, AIA Tower, 183 Electric Road, North Point, Hong Kong or the Customer Service Centre of AIA International Limited at Unit 1903, 19/F, AIA Tower, 251A - 301 Avenida Comercial de Macau, Macau within 21 calendar days immediately following either the day of delivery of the policy or the Cooling-off Notice to you or your nominated representative, whichever is earlier.