Secure a critical illness protection against unexpected long-term health issues
Life expectancy has increased with the passage of time.
But something that also rose with life expectancy is the cases of long-term health issues among the middle-aged population. Our new Chubb MyGolden Cancer Protection Plus (“MyGolden”) can offset some of the treatment costs for Cancer and some common elderly diseases such as Alzheimer’s Disease and Parkinson’s Disease. With quicker and easier access, you can focus on your recovery, not your finances, should a critical illness strike.
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Concerning your health condition1 MyGolden is available to those even with existing medical conditions – such as high blood pressure, high blood sugar and high blood cholesterol. |
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Major Illness Benefit3,4,6,8 During the lifetime of the Insured and while the Policy is in force, we will pay the Major Illness Benefit if the Insured is diagnosed with a Major Illness before the Age of 85, the Policy will forthwith be terminated on the date of initial diagnosis of the relevant Major illness. If the Insured is diagnosed with Cancer, Loss of Hearing, Loss of Speech, Major Burns, Rheumatoid Arthritis or Vegetative State, we will pay a lump sum payment of up to 100% of the Sum Assured. If the Insured is diagnosed with Alzheimer’s Disease or Parkinson’s Disease, we will pay a lump sum payment of up to 100% of the Sum Assured, plus 20% of the Sum Assured, which shall be paid as follow: 5% of the Sum Assured shall be paid in each subsequent year after termination of the Policy, until the total amount reaches 20% of the Sum Assured. In other words, up to 120% of the Sum Assured will be payable if the Insured is diagnosed with Alzheimer’s Disease or Parkinson’s Disease. |
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Minor Illness Benefit2,4,6,7,8 A Minor Illness Benefit of up to 30% of the Sum Assured will be payable if the Insured is diagnosed with any one of the 2 covered Minor Illnesses, Carcinoma-In-Situ or Stage Ta of Specific Organs5 or Cochlear Implant Surgery, provided that no Major Illness Benefit has been paid or becomes payable under the Policy, before the Age of 85. |
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An Accidental Bone Fracture Benefit of US$625 will be payable if the Insured is diagnosed with Accidental Bone Fracture, provided that no Major Illness Benefit has been paid or becomes payable under the Policy, before the Age of 85. |
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Death Benefit6 A Death Benefit of up to 100% of the Sum Assured will be payable upon the Insured’s death, provided that no Major Illness Benefit has been paid or becomes payable under the Policy.
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Product Brochure
The issue age of the Insured must be between Age 40 to 65 and meet the underwriting requirements at policy issue. The Company reserves the right to decline any applications of MyGolden if the information provided by the proposed Insured and/or the proposed policyowner during application is insufficient or does not meet our underwriting requirements.
Minor Illness Benefit is 30% of the Sum Assured. The aggregate amount of Minor Illness Benefit payable under the Policy and all other MyGolden policies issued by the Company for the same Insured shall not exceed US$50,000.
The Policy will forthwith be terminated on the date of initial diagnosis of the relevant Major Illness for which the Major Illness Benefit has been paid or becomes payable. We will fully discharge our responsibilities in respect of the Major Illness Benefit after we have paid it in accordance with the policy provision. For the avoidance of doubt, you must continue to pay the Premium of the Basic Plan until the claim is approved by us. Following our approval, any surplus of Premium paid for the period after the date of initial diagnosis of the relevant Major Illness will be refunded to you without any interest. If the Insured is diagnosed with Alzheimer’s Disease or Parkinson's Disease, and if the Insured dies before 120% of Sum Assured under the Policy has been fully paid, the remaining payment of the Major Illness Benefit shall be paid in one lump sum to the Beneficiary(ies) and no Death Benefit will be paid under the Policy.
The Minor Illness Benefit, Major Illness Benefit (except where the Insured is diagnosed with Alzheimer’s Disease or Parkinson’s Disease) and/or Accidental Bone Fracture Benefit (where applicable) will be paid to you in one lump sum if you are living at the time of receipt of the claim. If you are the Insured and if you are not living at the time when the claim is received by us, we will pay the Minor Illness Benefit, Major Illness Benefit and/or Accidental Bone Fracture Benefit (where applicable) to the Beneficiary(ies) after the claim has been approved. For the avoidance of doubt, the aggregate amount of all benefits paid or payable under the Policy will not:
(i) exceed 120% of the Sum Assured if the Insured is diagnosed with Alzheimer’s Disease or Parkinson's Disease, or
(ii) exceed 100% of the Sum Assured if the Insured is diagnosed with a Major Illness Benefit (except Alzheimer’s Disease or Parkinson's Disease).Specific Organs means Breast, Cervix Uteri, Colon and rectum, Corpus Uteri, Fallopian tube, Liver, Lung, Nasopharynx, Penis, Stomach and esophagus, Testicles, Urinary bladder and tract or Vagina or Vulva.
Payment of the Major Illness Benefit, Minor Illness Benefit, Accidental Bone Fracture Benefit and Death Benefit is subject to the Company’s receipt of notice and proof of claim. Please refer to “Claims” under the “Important Information” section in this product brochure for more details.
Sum Assured and Premiums will not be changed as a result of payment of any Minor Illness Benefit and/or Accidental Bone Fracture Benefit (if applicable).
Cover for Major Illness Benefit and Minor Illness Benefit will take effect after the Waiting Period. Please also refer to the “Waiting Period” under the “Important Information” section in this product brochure for the definition of Waiting Period.
Please note that we will deduct any outstanding indebtedness (including outstanding Premium) together with accrued interest before making any benefit payment under the Policy.
In this product brochure, “Age” refers to the Insured’s age at the nearest birthday unless otherwise specified. “You” or “your” refers to the Owner of the Policy.
Regulatory Disclosure
This webpage is for general reference only and should not be regarded as professional advice, recommendation and it is not part of the policy. It provides an overview of the key features of the product and should be read along with other materials which cover additional information about the product. Such materials include, but not limited to, product brochure that contains key product risks, policy provisions that contain exact terms and conditions, benefit illustrations (if any) and other policy documents and other relevant marketing materials, which are all available upon request. You might also consider seeking independent professional advice if needed.
The above information shall not be construed as an offer to sell, solicitation or persuasion to buy or provision of any of our products outside Hong Kong. For further information, please contact your Chubb Life Hong Kong Insurance Consultant or call our Customer Service Center Hotline at (852) 2894 9833.
The “Chubb Life Hong Kong”, “Company”, “we”, or “our” herein refers to Chubb Life Insurance Hong Kong Limited.
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