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    Health is your greatest asset, yet unexpected medical expenses can eat into your savings. With medical protection, you can shield yourself against various medical expenses and focus on your recovery.

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  • vitality

    Benefit Term

    TO AGE 80

    Issue age

    AGE 18 - 60

    Why do you need this plan?

    • Cancer Care Essence is a critical illness protection insurance plan with life protection, giving you and your family better protection for the future.

      Cancer Care Essence is a critical illness protection insurance plan with life protection, giving you and your family better protection for the future.

    • Cancer Care Essence provides cancer protection on specific organs, namely breast (female), prostate (male), colon and rectum and / or lung, up to the insured’s age of 80 and frees you and your family from worry.

      Cancer Care Essence provides cancer protection on specific organs, namely breast (female), prostate (male), colon and rectum and / or lung, up to the insured’s age of 80 and frees you and your family from worry.

    • "Cancer Care Essence guarantees that the premium for renewal will not be raised for any claims made, or any changes in insured’s health condition. You can renew the cover every year until the insured’s age 80. Renewal premium will be based on the prevailing premium for the age of the insured at the time of renewal (please refer to the “Premium Adjustment” under Important Information). "

      "Cancer Care Essence guarantees that the premium for renewal will not be raised for any claims made, or any changes in insured’s health condition. You can renew the cover every year until the insured’s age 80. Renewal premium will be based on the prevailing premium for the age of the insured at the time of renewal (please refer to the “Premium Adjustment” under Important Information). "

    • Product Brochure (With Benefits Schedule) Product Brochure (With Benefits Schedule)
    • Policy Provisions Policy Provisions
    • Premium Table Premium Table

    Help us to know you better for an accurate quote for this stand-alone insurance plan

    Date of birth
    Gender
    Smoking Habit^

    ^Smoker defines as someone who have smoked in the past 12 months
    The meaning of “smoking” includes but is not limited to cigarettes, cigars, tobacco pipes, chewing tobacco and the use of nicotine replacement products (such as e‐cigarettes)

    Do you look for protection plans,

    but at the same time,

    Feel frustrated about the complicated product structure of insurance products which are usually too difficult for general pubic to comprehend?

    Are concerned about insurance traps where policy holders are usually unaware about the areas of coverage until being rejected from an insurance claim?

    Prefer a plan with affordable premium for specific protection areas?

    Get protected in a simple way

    Cover at a glance

    Different premium payment modes (annually and monthly) are available for this plan.

    ()
    ()
    Monthly Premium
    (% OFF)

    What does it provide?

    When cancer strikes, it disrupts your life unexpectedly and creates a huge financial burden for you and your family. In addition to the medical expenses, you may lose income when receiving treatments. Cancer Care Essence offers specific cancer protection with guaranteed renewal until the insured reaches the age of 80. Should the misfortune occur, we will provide you with a one-off payment to ensure you get the support to get through critical times.

    • Death Benefit
      Death Benefit

      If the insured, who is the person protected under the policy, passes away, we will pay the death benefit to the person whom you select in your policy as beneficiary. The death benefit will be equal to the Current Sum Assured.

      Current Sum Assured means the sum assured left after deduction of all advance payment(s) made for the benefits for Carcinoma-in-situ or Early Stage Malignancy, and Cancer from the Initial Sum Assured. The Initial Sum Assured means the protection amount that you have purchased.

    • Covered Illness Benefit
      Covered Illness Benefit

      If the insured is diagnosed with any covered Carcinomain-situ or Early Stage Malignancy, and Cancer, we will pay the benefit amount for the covered illness (see the Covered Illnesses Benefit Schedule).

    Notes

    All information here is for reference only. Please refer to the policy contract for the definitions of capitalised terms, and the exact and complete terms and conditions of coverage. 

    We would like to remind you to review product materials and proposal illustrations (if appliable) provide to you and seek independent professional advice if necessary.

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

    This plan can only be purchased as stand-alone insurance plan.


    Important information

    Important information
    - COLLAPSE + EXPAND

    The product information in this website 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. The product information in this website 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.

    The product information in this website is for distribution in Hong Kong only.


    Key Product Risks

    Key Product Risks
    - COLLAPSE + EXPAND
    1. You should pay premium(s) for this plan till the insured’s age 80 as long as you renew for this plan. 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:
      • 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 80th birthday; or
      • when the claims payments made in total for benefits under the policy reach 100% of the Initial Sum Assured.
    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. 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.
    5. The premium charged shall be determined in accordance with the applicable premium for the age of the insured at the time of renewal. The total premiums payable under the policy may be greater than the Initial Sum Assured.

    Key Exclusion

    Key Exclusion
    - COLLAPSE + EXPAND

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

    • any illnesses with signs / symptoms caused or triggered by conditions, which first occurred before or within 90 days after the policy is issued; and

    • Fulminant viral hepatitis or cancer of the insured was due to AIDS or HIV infection.

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


    Premium Adjustment

    Premium Adjustment
    - COLLAPSE + EXPAND

    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 policy year 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 covered illnesses;
    • 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.

     

    We will give you a written notice of any revisioin 31 days before renewal.


    CLAIM PROCEDURE

    CLAIM PROCEDURE
    - COLLAPSE + EXPAND

    If you wish to make a claim, you must send us the appropriate forms and relevant proof. You can get the appropriate claim forms in www.aia.com.hk, from your financial planner, by calling the AIA Customer Hotline (852) 2232 8888 in Hong Kong, or (853) 8988 1822 in Macau, or by visiting any AIA Customer Service Centre. For details related to making a claim, please refer to the policy contract. If you wish to know more about claim related matter, you may visit “File A Claim” section under our company website www.aia.com.hk.


    Suicide

    Suicide
    - COLLAPSE + EXPAND

    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).


    Incontestability

    Incontestability
    - COLLAPSE + EXPAND

    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.


    Cancellation Right

    Cancellation Right
    - COLLAPSE + EXPAND

    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 within 21 calendar days after the delivery of the policy or the issue of written notice to you or your representative informing you that the policy is available, whichever is earlier.

    CONTACT AIA
    Hong Kong
    • Customer Service Centres:
      • Prior booking is highly recommended - Customer Service Centre will serve customers who have made appointment with priority. Customers could book service via our mobile application AIA Connect (Profile > Contact AIA > Customer Service Centre Enquiry Appointment Service) or book it via our corporate website (https://www.aia.com.hk/en/help-and-support/individuals/appointment-form.html).


    HONG KONG

    (852) 2232-8888

    Hong Kong Island
    AIA Wealth Select Centre
    12/F, AIA Tower,
    183 Electric Road,
    North Point, Hong Kong

    Kowloon
    Suite 1313, 13/F,
    AIA Kowloon Tower,
    Landmark East, 100 How Ming Street,
    Kwun Tong, Kowloon, Hong Kong

    Mon-Fri 8:45am - 6:00pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

    CONTACT AIA

    Hong Kong
    • Customer Service Centres:
      • Prior booking is highly recommended - Customer Service Centre will serve customers who have made appointment with priority. Customers could book service via our mobile application AIA Connect (Profile > Contact AIA > Customer Service Centre Enquiry Appointment Service) or book it via our corporate website (https://www.aia.com.hk/en/help-and-support/individuals/appointment-form.html).


    Hong Kong

    T: (852)  2232-8888

    Hong Kong Island
    AIA Wealth Select Centre
    12/F, AIA Tower,
    183 Electric Road,
    North Point, Hong Kong
     
    Kowloon
    Suite 1313, 13/F,
    AIA Kowloon Tower,
    Landmark East, 100 How Ming Street,
    Kwun Tong, Kowloon, Hong Kong
     
    Mon-Fri 8:45am - 6:00pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

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