Silver Life Insurance Plan
Safeguarding your family - ensuring a peace of mind in the golden years
The likelihood of needing hospital care increases significantly with age, making financial preparedness crucial. In Hong Kong, around 70% of inpatients were aged 45 or above in 2023. Silver Hospital & Surgical Cash Benefit (the “Rider”) provides lump sum financial assistance to subsidize the unexpected surgical or hospitalization expenses in your retirement. You may attach this Rider to the Silver Life Insurance Plan (“Basic Plan”) to enhance your protection coverage at every stage of life. The Rider offers Plan 1 and Plan 2 benefit levels, allowing you to select the level of coverage that best suits your budget and personal needs.
HIGHLIGHTS
Surgical Cash Benefit
Catering to your surgical needs, we will pay you the Surgical Cash Benefit in a lump sum if the Insured undergoes a surgical procedure due to a Disability, whether on Inpatient or Outpatient basis. Over 350 surgeries under 3 surgical procedure categories could be claimed for up to 2 times in each Rider Policy Year, provided that the severity of surgery is categorized as Intermediate and/or above under the Schedule of Surgical Procedures of this Rider. This offers you extra financial support during your recovery journey.
For the full list of all covered surgical procedures, you may refer to the Schedule of Surgical Procedures in the Rider provision for details.
Hospital Cash Benefit
In the unfortunate event of hospitalization, having extra support for your unexpected expenses can help you focus on your well-being without extra stress. To this end, the Rider offers up to USD100 daily cash as Hospital Cash Benefit, depending on the plan level chosen, for up to 60 days per Confinement if the Insured is Confined in the Hospital as a result of a Disability.
Worldwide coverage
The benefits of the Rider are payable even if the Insured is Confined in a Hospital located in mainland China or outside of Hong Kong, provided that the Hospital is approved or 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 on applying for this Rider.
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.
