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  • vitality

    Benefit Term

    Whole Life

    Issue age

    Age 18 - 56

    Why do you need this plan?

    • A medical reimbursement plan which covers all stages of cancer (including carcinoma-in-situ) and the complication of cancer. This plan provides a comprehensive coverage for the whole of cancer treatment process, including diagnostic test, cancer treatment, reconstructive surgery and monitoring etc.

      A medical reimbursement plan which covers all stages of cancer (including carcinoma-in-situ) and the complication of cancer. This plan provides a comprehensive coverage for the whole of cancer treatment process, including diagnostic test, cancer treatment, reconstructive surgery and monitoring etc.

    • Lifetime guaranteed renewal, even though the covered cancer (incl. carcinoma-in-situ) is a continuation, recurrence and metastasis of the cancer, or customer is suffered from another covered cancer, customer can still make good use of the lifetime cancer limit (Mega Plan: HK$9,000,000 / Plus Plan or Standard Plan:HK$3,000,000)

      Lifetime guaranteed renewal, even though the covered cancer (incl. carcinoma-in-situ) is a continuation, recurrence and metastasis of the cancer, or customer is suffered from another covered cancer, customer can still make good use of the lifetime cancer limit (Mega Plan: HK$9,000,000 / Plus Plan or Standard Plan:HK$3,000,000)

    • Extra protection on specific target cancer (including stage IV covered cancer, liver cancer, brain cancer, blood cancer, and lymphoma), providing with one-time additional 50% of covered cancer limit per policy

      Extra protection on specific target cancer (including stage IV covered cancer, liver cancer, brain cancer, blood cancer, and lymphoma), providing with one-time additional 50% of covered cancer limit per policy

    • Product Brochure (With Benefits Schedule) Product Brochure (With Benefits Schedule)
    • Policy Provisions Policy Provisions
      Cancer Guardian 2 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)

    SPECIFIED PROTECTION PLANS PREMIUM REFUND OFFER

    Apply successfully for a Specified Protection Plan during the promotion period to enjoy our limited time offer. Learn More.
    (Terms and Conditions apply).

    Cover at a glance

    Different premium payment modes (annually and monthly) are available for this plan. For add-on plans, the premium payment mode should follow the corresponding basic plan.

    ()
    ()
    Monthly Premium
    (% OFF)

    For more information, please read the benefits schedule for the Cancer Guardian 2 series in the product brochure.

    JOIN AND ENJOY AN INSTANT 10% PREMIUM DISCOUNT

    We are excited to introduce AIA Vitality, a game changing wellness programme which redefines the traditional concept of insurance and aims to reward customers to live a healthy lifestyle. Once you join AIA Vitality, you can enjoy an instant 10% premium discount!

    What does it provide?

    Cancer strikes without warning, and often more than once – but you need not be caught off guard. Cancer Guardian 2 supports your treatment and recovery – even if your cancer comes back. Receive reimbursement for your diagnosis and treatment expenses for covered cancer, with a limit of up to HK$3 million. This limit replenishes every 3 years to support you through any cancer, including continuation, metastasis or recurrence of a previous cancer or a newly diagnosed cancer, up to a lifetime cancer limit of up to HK$9 million. That way, you can focus on what’s most important – getting back on your feet, time and time again.

    • Core Benefits
      Core Benefits

      • Diagnostic tests
      • Hospital stay and treatments
      • Reconstructive surgery
      • Monitoring
      • 1-year waiver of premium
      • Preventive check-up for immediate family members
      • Extended caring protection for your specific needs, including psychological counselling

    • Comprehensive protection
      Comprehensive protection

      Cancer Guardian 2 offers comprehensive protection upon a confirmed diagnosis of a covered cancer (including carcinoma-in-situ). Whether in hospital or as an outpatient, the insured's diagnostic tests and cancer treatments will be fully covered. Following the completion of active treatment, the insured will also be reimbursed for monitoring and consultation for up to 5 years.

    • Supporting your recovery journey
      Supporting your recovery journey

      If the insured is diagnosed with a covered cancer, we will take care of your premiums for 12 months so that you can focus on recovery. A premium waiver will take effect upon the initial diagnosis of the first covered cancer, beginning with the next premium to fall due following the date of initial diagnosis. After 12 months, the waiver will end, and your premium payments shall resume based on the premium rates applicable for the insured’s attained age. This premium waiver will only be activated once per policy, and is not applicable to carcinoma-in-situ.

       

    • Lifetime guaranteed renewal
      Lifetime guaranteed renewal

      Cancer Guardian 2 guarantees that your premium for renewal will not be raised for any claim you have made, or any changes in your health condition. You can renew your cover every year for life. Renewal premium will be based on the prevailing premium rates at the time of renewal (Please refer to the Annual Premium Table for the first year premium).

    • Flexibility to suit your needs
      Flexibility to suit your needs

      We understand that everyone’s situation is different. That’s why we offer 3 different plan options to suit your personal medical needs: Standard Plan, Plus Plan and Mega Plan.

       

      In addition, you have the flexibility to take Cancer Guardian 2 as either a stand-alone insurance plan or as an add-on plan to specified basic plans.

      See comparison of the 3 options
      Cancer Guardian 2 Series - flexibility to suit your needs
    • Continued protection, time after time
      Continued protection, time after time

      Should cancer strike, rest easy knowing that Cancer Guardian 2 is there to support you on your journey to recovery. We will reimburse your expenses for diagnosis, treatment, reconstructive surgery and monitoring for any and all covered cancer until the total claims paid out reaches your covered cancer limit.

       

      After the initial diagnosis of the first cancer, your covered cancer limit, which is shared by all covered cancer, will replenish after 3 years and every 3 years afterwards, restoring your claim limit for each subsequent 3-year period until all claims paid out in total have reached the lifetime cancer limit. That way, even if a new cancer strikes or if an old diagnosed cancer continues or metastasizes, we will offer continued support by paying your new claims using the same covered cancer limit again and again.

       

      At the end of each 3-year period, covered cancer limit will replenish. Any unused covered cancer limit cannot be carried to the covered cancer limit for the subsequent 3-year period. The total claims paid out within each 3-year period cannot be higher than the covered cancer limit.

    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 be purchased as either a stand-alone insurance plan or as an add-on plan of specified basic plans, but only available to purchase as stand-alone insurance plan in this platform.


    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 need to pay the premium for this plan for life as long as you renew for this plan or for this add-on plan until the basic plan it is attached to is terminated. 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 premium due date;
      • the aggregate benefits under the relevant insurance policy reaches the lifetime cancer limit; or
      • when you take this plan as an add-on plan of any basic plan which has been terminated.

      If the insured happens to be hospitalised on the date when this plan / add-on plan is terminated because you do not pay the premium within 31 days of the premium due date, we will extend the cover for an additional 30 days without the need for you to make any payments, subject to the same benefit limits which apply to your original 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, the insured may lose his cover and you may lose the remaining premium for that policy year.

    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. The future medical costs will be higher than they are today due to inflation. Hence, the benefit amounts and the future premium rate of this plan may be revised to reflect the inflation (Please refer to the Annual Premium Table for the first year premium ).

    Key Exclusion

    Key Exclusion
    - COLLAPSE + EXPAND

    Under this plan, we will not cover any of the following events or conditions:

    1. Cancer relating to any of the following event:
      • any tumour which is histologically classified as premalignant;
      • abnormal lesions of cervix uteri classified as cervical intraepithelial neoplasia grade I (CIN I) and grade II (CIN II);
      • any drug or alcohol abuse;
      • any pre-existing conditions; and
      • nuclear, biological or chemical contamination.
         
    2. Any medical procedure, treatment, confinement and / or charges relating to any of the following events:
      • any treatment, test, service or supply which is not medically necessary;
      • any congenital covered cancer that has been found or is diagnosed before the insured reaches the age of 17;
      • general check-up, convalescence, custodial or rest care not related to the covered cancer;
      • screening or check-ups on a preventative basis or where there are no symptoms or history of covered cancer (in relation to the insured);
      • vaccines for the prevention of covered cancer;
      • any experimental, unproven or unconventional medical treatments or novel drugs not yet approved by the government and relevant authorities of the country or region where the treatment is sought;
      • mental disorder, psychological or psychiatric conditions, behavioural problems or personality disorder, except for "Psychological counselling" under Additional caring benefit (see benefits schedule, item 18 for details); and
      • diseases or infection with any HIV or related illness.

    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
    1. Premium Adjustment

      In order to provide you with continuous protection, we will annually review and adjust the premium of your plan 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 coming year which reflects the impact of medical trend, medical cost inflation and product feature revisions
      • historical investment returns and the future outlook of the product's backing asset
      • policy surrenders and lapses
      • expenses directly related to the policy and indirect expenses allocated to this product

    2. Product Features Revision

      We reserve the right to revise the benefit structure, terms and conditions and / or product features, so as to keep pace with the times for medical advancement and to provide you with continuous protection.

    We will give you a written notice of any revision 31 days before the end of policy year or upon renewal.


    Product Limitation

    Product Limitation
    - COLLAPSE + EXPAND
    1. The cover becomes effective 90 days after the policycommences.

    2. With the exception of preventive check-up for immediate family members, the product will not cover any routine medical check or test with a negative result. The relevant expenses will not be reimbursed. Only the expense of a test directly confirmed a positive diagnosis of a covered cancer can be reimbursed.

    3. We only cover the charges and / or expenses of the insured on medically necessary and reasonable and customary basis.

      "Medically necessary” means that the medical services, diagnosis and / or treatments are:

      • delivered according to standards of good medical practice;
      • necessary; and
      • cannot be safely delivered in a lower level of medical care.
         

      Experimental, screening, and preventive services or supplies are not considered medically necessary.

      “Reasonable and customary” means:

      • the medical services, diagnosis and / or treatments are medically necessary and delivered according to standards of good medical practice;
      • the costs of your medical services and the duration of your hospital stay are not more expensive or longer than the usual level of charges or duration for similar treatment in the locality of such services delivered; and
      • does not include charges that would not have been made if no insurance existed.

      We may adjust any and all benefits payable in relation to any hospital / medical charges which is not a reasonable and customary charge.


    4. The insured will be covered for any room type in which he stays at hospital, but there will be a reduction in his benefit pay-out amount in case the insured stays in a room type higher than the plan covered. In such a case, the benefit pay-out amount will be adjusted by multiplying the following factor:

      = Daily room charge of the semi-private room in the hospital admitted by the insured / Daily room charge of the room the insured stays

    5. If the insured receives treatment in the United States, the following limitations on benefits shall apply:
      • the maximum benefit amount under benefits schedule parts A to E will be up to HK$2,000,000 per life for any one covered cancer
      • the maximum benefit amount under benefits schedule parts A to E will be up to HK$2,000,000 under this policy for any and all coveredcancer

     

    The plan’s Covered Cancer Limit and Lifetime Cancer Limit remain unchanged for worldwide (excluding the United States).


    Claim Procedure

    Claim Procedure
    - COLLAPSE + EXPAND

    "If you wish to make a claim, you must notify us in writing within 20 days of the date the covered event happened, and send us the appropriate forms and relevant proof within 90 days of the same date. You can get the appropriate claim forms from your financial planner, by calling the AIA Customer Hotline (852) 2232 8888 in Hong Kong, or by visiting any AIA Customer Service Centre. 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."


    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 issue of the 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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