Silver Life Insurance Plan

Comprehensive protection against cancer

It is crucial to have the diagnosis and treatment as early as possible to get the best recovery outcomes. This Rider is designed to provide the Insured with comprehensive protection against both Cancer and Carcinoma-in-situ (collectively “Covered Cancer”).  To suit the individualized protection priorities of silver age, we offer 2 different plan levels – Plan 1 and Plan 2, allowing you to select the level of coverage that best suits your budget and personal needs.

Protections from diagnosis to recovery

We understand the battle with cancer often involves a prolonged and complicated process, all-rounded support is vital. To this end, this Rider offers continuous supports throughout the Insured’s every phase of the recovery path. The coverage extends up to a maximum of USD130,000 Per Covered Cancer Limit and a maximum of USD400,000 per Lifetime Limit, depending on the plan level chosen. If the Insured is diagnosed as suffering from a Covered Cancer, we will reimburse you the eligible medical expenses with the following benefits, subject to the applicable maximum limits:

• Diagnostic benefit
  A wide range of consultations, Diagnostic Procedures And Investigations, regardless on an Inpatient or an Outpatient basis, recommended by a Registered Medical Practitioner to directly identify the existence, nature, or extent of a Covered Cancer3, including without limitation, laboratory tests, X-rays, CT scans, MRI scans, and PET scans are covered.
• Hospitalization and surgical benefit
  Hospitalization charges incurred by the Insured under Confinement as an Inpatient during Active Treatment⁶ or Palliative Treatment⁷ for a Covered Cancer³, including but are not limited to the expenses on room and board (including the intensive care unit), doctor's visits, surgical procedures (including Anaesthetist’s charges and operating theatre charges), Radiotherapy, Chemotherapy, Targeted Therapy, Immunotherapy, Hormonal Therapy as well as nursing charges are payable.
• Outpatient benefit
  Outpatient expenses for a Covered Cancer, including but not limited to the consultation fees and medical expenses incurred for Radiotherapy, Chemotherapy, Targeted Therapy, Immunotherapy, Hormonal Therapy, and surgery are payable.
  
• Reconstructive Surgery benefit
  Hospitalization charges when the Insured is under Confinement as an Inpatient for Reconstructive Surgery due to a Covered Cancer as recommended by Registered Medical Practitioner or Registered Specialist, such charges include but are not limited to the room and board (including the intensive care unit), doctor’s visits and surgical fees (including Anaesthetist’s charges and operating theatre charges), costs of implants as well as nursing charges are payable
• Monitoring benefit
  The charges in respect of the consultations, Diagnostic Procedures And Investigations as recommended by the attending Registered Medical Practitioner or Registered Specialist to monitor the response and progress of the Insured’s recovery progress after completion of Active Treatment6 for a Covered Cancer, regardless on an Inpatient or Outpatient basis, are covered. Also, we will pay this benefit for a maximum of 5 years from the date of completion of the Active Treatment.
• Ancillary services benefit
  The medical expenses of the designated professional consultation services including Chinese medical consultation, physiotherapy, or dietician consultation are covered.

Worldwide coverage

The benefit of the Rider is payable even if the Insured is confined to a Hospital located outside Hong Kong and mainland China, provided that the Hospital is approved and designated by us.

Hassle-free application by answering just one additional health question

Answer one additional health question on top of those for the Basic Plan, and no medical examination is required. With this streamlined application process, you can save valuable time applying for this Rider.  

Guaranteed renewal till Age 100

Regardless of the Insured’s health conditions and claims history, the Rider is guaranteed renewable annually till Age 100 of the Insured.