CHINA TAIPING

TAIPING SMARTCARE” Critical Illness Insurance Scheme

COVERAGE & FEATURES

Comprehensive Critical Illness Protection

This policy provides 35 Major Illness Benefits protection. In the event
of the Insured Person is diagnosed to be suffering from a critical illness
within the period of insurance, the Company will subject to the terms
and conditions as stated in the policy and agree to pay the benefit
amount up to 100% of the Sum Insured to the Proposer.

Early Stage Cancer Benefits

If Insured Person is diagnosed to be suffering from an Early Stage
Cancer within the period of insurance, the Company will subject to
the terms and conditions as stated in the policy and agree to pay an
one-off lump sum benefit equivalent to 20% of the Sum Insured to the
Proposer. This policy will remain in force and the Major Illness benefit
will be reduced by the same amount paid to this benefit.

One-off Lump Sum

If the Insured Person is suffered from the critical illness under the
policy during the period of insurance, the Company will pay the
Proposer an one-off lump sum net of any Early Stage Cancer (if
applicable) benefit and the liability of the Company hereunder is
limited to and shall cease upon such settlement.

21-Day Insurance Cooling-off Period

The Proposer has right to cancel this policy and notify in writing to the
Company within 21 days after the policy effective date. If no claim has
been made by the Insured Person under the policy during this period,
all premium paid to the Company will be refunded.

Guaranteed Renewal* and Cover up to 80 Years Old

Wide range of Insured age from 6 months to 60 years old, and the
Company guarantee renewal up to 79 years old*.

Low Premium and Simplified Underwriting

Simple health declaration, no medical examination is required

Extended Protection
On top of providing sickness cover, the policy is further extended to
cover loss of limbs, deafness, blindness, paralysis or loss of language
ability that are caused by accident or injury.

ELIGIBILITY

• Period of Insurance: 1 year

• Age of Proposer: 18 or above
• Age of Insured Person: From 6 months to 60 years inclusive
(The child(ren) under the age of 18 can enroll individually but the
Proposer of this Policy must be his/her parent or legal guardian)
• Premium Payment Mode: Annual
• Minimum Sum Insured: HKD200,000 (Each $200,000 per unit)
• Maximum Sum Insured: HKD1,000,000 (Based on each Insured
Person)

COVERED CRITICAL ILLNESSES

1. Cancer

1.1 Early Stage Cancer# 1.2 Major Cancer

# Early Stage Cancer: In the event that the Insured Person is diagnosed with
Early Stage Cancer, the Company shall pay a lump sum equivalent to 20% of
the Sum Insured in advance.

2. Illnesses related to the heart

2.1 Coronary artery bypass surgery 2.2 Heart attack

2.3 Primary pulmonary arterial 2.4 Surgery to aorta

3. Illnesses related to the Nervous system

3.1 Apallic syndrome 3.2 Bacterial meningitis

3.3 Benign brain tumour 3.4 Coma

3.5 Creutzfeldt-Jacob Disease(CJD) 3.6 Encephalitis

3.7 Major head trauma 3.8 Motor neurone disease

 3.9 Multiple sclerosis 3.10 Paralysis

3.11 Poliomyelitis 3.12 Progressive supranuclear palsy

3.13 Severe Myasthenia Gravis 3.14 Stroke

4. Illnesses related to major Organs

4.1 Aplastic anaemia 4.2 End stage liver failure

4.3 End stage lung disease 4.4 Fulminant viral hepatitis

4.5 Kidney failure 4.6 Major organ transplant

4.7 Systemic lupus erythematosus 4.8 Systemic scleroderma

with lupus nephritis

5. Other major illnesses

5.1 Blindness 5.2 Deafness

5.3 Elephantiasis 5.4 Loss of limbs

5.5 Loss of speech 5.6 Human Immunodeficiency Virus(HIV) due

to blood transfusion
5.7 Major burns 5.8 Occupationally acquired Human
Immunodeficiency Virus (HIV)

PREMIUM RATE TABLE (HKD)

(Annual rate per HKD200,000 sum insured)
Age of the Insured Person Male
0–5 200
6 – 10 100
11 – 15 100
16 – 20 140
21 – 25 180
26 – 30 300
31 – 35 460
36 – 40 800
41 – 45 1,260
46 – 50 2,200
51 – 55 3,600
56 – 60 5,400
61 – 65** 7,700
66 – 70** 11,300
71 – 75** 16,400
 76 – 79** 21,700
**Remarks: Premium rate for 61-79 are for renewal only

MAJOR EXCLUSIONS
(Please refer to the terms in the policy for details)

Illness, resulting directly or indirectly from or caused or contributed by (in whole or in

part) any of the following:
1. Any pre-existing condition unless such conditions have been fully disclosed during
the application and accepted by the Company in writing and the treatment relating
to such pre-existing condition is not expressly excluded by the policy; or
2. The Insured Person is Diagnosed with an Illness or the Insured Person has shown
signs or symptoms of any Illness, disease or physical condition which may be the
cause or triggering condition of an Illness within 90 days from the Policy Effective
Date as specified in the first Policy Schedule from which the coverage under this
insurance becomes effective continuously without intermission; or
3. Any drug or alcohol abuse; or
4. Engaging in aviation other than as a fare-paying passenger in an aircraft provided
and operated by an airline or air charter company which is duly licensed for the
regular transportation of fare-paying passengers;
5. Engaging in military, air force, naval and other disciplinary services; or
6. Participating or engaging in dangerous activities, including but not limited to bungee
jumping, glide-kite, glider, winter sports, parachuting, torrent rafting, diving with the
use of breathing apparatus, mountaineering, rock climbing, sports in a professional
capacity or where the Insured Person would or could earn income or remuneration
from engaging in such sport etc. ; or
7. War, hostilities (whether war is declared or not), rebellion, insurrection, riot, civil
commotion, terrorist act, nuclear contamination, biological contamination or chemical
contamination; or
8. Disease or infection with any Human Immunodeficiency Virus (HIV) and/or any HIVrelated
Illness, except the Human Immunodeficiency Virus due to blood transfusion,
Occupationally acquired Human Immunodeficiency Virus (HIV) as referred to in PART3-DEFINITION OF
ILLNESSES of this policy; or
9. Congenital malformation or abnormal; or
10. Suicide, any deliberate self-induced behaviour, regardless of whether it is normal
sanity and whether intoxication; or
11. Sanction Limitation and Exclusion Clause