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SUM ASSURED (HK$)# |
^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)
# The maximum Sum Assured that this platform can accept is HK$650,000, if you wish to apply for a greater Sum Assured, please contact our financial planners.
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We strive to provide the best for our loved ones, but if a sudden illness strikes, the family’s finances could be threatened. Giving you budget friendly protection against a broad range of health challenges, Simple Care Essence is a 5-year renewable plan that covers as many as 115 major and minor illnesses, including early and late-stage critical illnesses and severe child diseases.
Simple Care Essence is a critical illness protection insurance plan with protection up to the age of 80, giving you and your family greater protection for the future. It provides all round cover for 58 critical illnesses (including 57 major illnesses ad 1 minor illness), 44 early-stage critical illnesses and 13 severe child diseases.
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 any covered illness. The Initial Sum Assured means the protection amount that you have purchased.
If the insured is diagnosed with any covered illness, we will pay the benefit amount for the covered illness (see the Covered Illnesses Benefit Schedule).
Any advance payment(s) made will reduce the Current Sum Assured of the basic policy. The premium will also be reduced accordingly.
A lot of major illnesses can be treated in early stage and the medical condition can be prevented from worsening. Simple Care Essence provides protection for 44 early stage critical illnesses including:
For more information, please refer to "Covered Illnesses schedule".
Simple Care Essence guarantees that your premium for renewal will not be raised for any claims you have made, or any changes in your health condition. You can renew your cover every 5 years until age 80 of the insured. Renewal premium of next renewal period will be based on the prevailing premium rates for the age of the insured at the time of renewal (please refer to the “Premium Adjustment” under Important Information).
On or before the anniversary of cover immediately following the insured’s 70th birthday, the plan can be converted into a whole life or whole life with critical illness protection insurance plan without requiring additional health information, subject to additional premium and choices of products then made available for the purpose of this privilege.
You have the flexibility to take Simple Care Essence as either a stand-alone insurance plan or as an add-on plan of specified basic plans.
With Simple Care Essence you can choose a high degree of protection for the peace of mind you deserve no matter what the future brings. To help you make the most of your protection, we offer a permanent 20% premium discount for a sum assured of HK$1,875,000 or above.
This discount is only applicable to the standard premiums of this plan and shall not apply to any extra premiums due to loading.
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.
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. In case you want to read policy contract template before making an application, you can obtain a copy from AIA. 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.
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:
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 every 5th policy year if necessary. During the review, we may consider factors including but not limited to the following:
We will give you a written notice of any revision 31 days before renewal.
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.
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).
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 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 the earlier.
