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| Underwritten by MetLife Limited,
CarePlus Refundable Lady Health Plan provides you with stable
income on a daily basis and peace of mind while you are hospitalized
and even takes care with you for diagnosed with specified female
diseases. |
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| Daily Hospital Cash Benefit |
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| Should the insured be hospitalized
due to illness or accident, this plan will provide Daily
Hospital Cash Benefit based on the number of days of
being hospitalized. The maximum coverage on hospitalization
is as long as 730 days for
the whole policy term while maximum coverage on hospitalization
in China is 7 days per incident. |
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| Female Diseases Benefit |
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| Should the insured be diagnosed
with any of the covered female diseases, the Plan will provide
you a Lump Sum Benefit. The
female diseases benefit provides the following coverages: |
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Cancer of breast including Carcinoma-in-situ
of breast |
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Cancer of Cervix Uteri including Carcinoma-in-situ
of Cervix Uteri |
| - |
Systemic Lupus Erythematosus |
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| Total and Permanent Disability
Benefit |
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| If the insured suffers from total
and permanent disability due to accident or sickness, the premium
of this plan will be waived until the insured recovers or the
termination of this plan. |
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| Life Benefit |
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| An extra life benefit
of HK$5,000 will be payable if the insured dies from
sickness or accident. |
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| Refund of Premium |
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| The plan guarantees
refund of 100% premium paid: |
| - |
With or
without claim history, 100% of paid premiums will
be refunded at the end of policy term. |
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• 100% of paid premiums will be
refunded should the insured die due to sickness or accident. |
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• If the policy cannot be kept
till the end of policy term, premium paid will also be
refunded as illustrated below: |
|
Termination
occurs |
Refund of premium
calculated
as the % of total premium paid |
Before the end of
7th policy year |
0% |
After the end of
7th policy year |
70% |
After the end of
8th policy year |
80% |
After the end of
9th policy year |
90% |
Upon the end of
10th policy year |
100% |
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| More... |
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Both Daily
Hospital Cash Benefit and Female
Diseases Benefit are payable on
top of any other insurance plan you may have and
there is no limitation
on the way spending the cash benefit. |
| - |
Worldwide
24-hour coverage provides total peace of mind anywhere
anytime. |
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| Act now! Call Fubon Bank
Insurance Enrollment Hotline: 3168 0193* |
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During the promotional period,
selected Fubon Bank customers aged between 18
and 55 are not required to take medical examination
for enrollment.
* Office hours: Monday to Friday
9:30 a.m. to 6:30 p.m., closed on Saturday, Sunday
& public holidays |
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| Remarks: |
| 1. |
The above information is for reference
only, for details please refer to policy terms and conditions. |
| 2. |
MetLife Limited is the insurance underwriter
of CarePlus Refundable Lady Health Plan and is solely
responsible for all coverage and compensation. |
| 3. |
All insurance policies contain exclusions.
Some of the general exclusions of this policy are: aviation
or aerial activities; congenital anomalies; pregnancy;
cosmetic surgery; participating in professional sports
or any kind of race; intentionally self-inflicted injury
or suicide; illegal act; AIDS or HIV infection; under
the influence of alcohol or drug; pre-existing medical
condition(for the first 12 months); sickness within 30
days from the policy effective date. Please refer to the
policy for the details of all exclusions. |
| 4. |
There is a waiting period of 180 days
and a survival period of 30 days for female diseases benefit. |
| 5. |
CarePlus Refundable Lady Health Plan is
an insurance plan with a savings element. Part of the
premium pays for the insurance and related costs. If you
are not happy with your policy, you have a right to cancel
it within the cooling off period and obtain a refund of
any premiums paid provided that you have not made any
claim under this policy. A written notice signed by you
together with the policy must be received by MetLife Limited
at its Hong Kong office within the cooling off period
(that is, 21 days from the date of application, 14 days
from the date of issue of the policy, 14 days from the
date on which the customer protection declaration form
has been copied to the insurer of the existing policy
by which this policy is replacing (where relevant), or
5 days from the date of delivery of this policy or a notice
(informing you or your representative about the availability
of this policy and the expiry date of the cooling off
period), whichever is later). After the expiration of
the cooling off period, if you cancel the policy before
the end of the term of policy as set out in the policy
document, the guaranteed cash value payable (if any) will
be less than the total premiums you have paid. |
| 6. |
CarePlus Refundable Lady Health Plan is
distributed by Fubon Bank. |
| 7. |
In case of any discrepancy between the
English and Chinese versions, the English version shall
always prevail. |
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