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Whole Life Medicash Account Insurance Plan Series
 

Enjoy whole life health protection and saving returns
While successful career and good health bring you enjoyable living, have you ever thought about that high medical expenses could cause a heavy financial burden to you and your family? Today, let us help you plan for life’s unexpected by providing with you a well prepared medical reserves. Whole Life Medicash Account Insurance Plan is an all-in-one plan offering you medical coverage, life protection and savings up to the age of 99 (Age Last Birthday).
 
Plan Features
- Cash base benefit payment regardless of actual medical expenses incurred, so you can choose the most appropriate medical service with flexibility
- One-stop comprehensive whole life medical protection, giving you and your family peace of mind
- Saving returns with guaranteed cash value, annual dividend and special dividend in addition to medical protection
- Premium is guaranteed unchanged during the whole policy term, giving you easy financial planning
 
Instant Medical Account for Lifetime Protection

Once Whole Life Medicash Account Insurance Plan policy is issued, you are entitled to a Medical Account to pay for your hospital confinement expenses until the age of 99 (Age Last Birthday) or the value of the Medical Account reaches zero, whichever is earlier1.

 
Fixed Benefit Payment for Flexible Use

Whole Life Medicash Account Insurance Plan pays out fixed benefit payment based on the "Daily Hospital Cash"2 and is independent of any other medical insurance policies.
 
Plan Summary
Plan Name
 Whole Life Medicash Account Insurance Plan Whole Life Medicash Account Insurance Plan Plus
Issue Age3
18–- 65 (Age Last Birthday)
18–- 55 (Age Last Birthday)
Policy Term
Up to 99 (Age Last Birthday)
Payment Term
6 or 12 years
(12-year payment term is only applicable to issue age below 55)
Premium Mode
Monthly , Annual, and Single payment
(Single payment is only applicable to 6-year payment term)
Amount of Medical Account (Sum Assured)
HK$360,000 to HK$960,000
HK$1,800,000 OR HK$2,000,000
Amount of "Daily Hospital Cash"
HK$600 to HK$1,600
HK$1,800 OR HK$2,000
 
Benefit Items
1. Daily Hospital Cash Benefit4
Amount of "Daily Hospital Cash" x days of hospitalization (up to 365 days)
 
2. Intensive Care Unit Benefit4
Additional Amount of "Daily Hospital Cash" x days of confinement in Intensive Care Unit (up to 30 days)
 
3. Surgical Cash Benefit5
Whole Life Medicash Account Insurance Plan
Whole Life Medicash Account Insurance Plan Plus
Complex Operation
Amount of "Daily Hospital Cash" x 105
HK$170,000
Major Operation
Amount of "Daily Hospital Cash" x 50
HK$80,000
Intermediate Operation
Amount of "Daily Hospital Cash" x 25
HK$40,000
Minor Operation
Amount of "Daily Hospital Cash" x 12
HK$20,000
 
4. Miscellaneous Hospital Expenses Benefit4
"Daily Hospital Cash" x days of hospitalization (up to 365 days) x 25%
 
5. Critical Illness Benefit6 (hospitalization due to critical illness)
Amount of "Daily Hospital Cash" x 25
 
Benefit Cover
Whole Life Medical Protection
Coverage includes hospitalization, confinement to Intensive Care Unit, surgery, miscellaneous hospital expenses and critical illness.
 
Life Benefit7, 8
Sum Assured plus any accumulated dividend and Special Dividend.
 
Free Benefits
1. Free 150 days of "Daily Hospital Cash Benefit" within the first 10 years
- "Daily Hospital Cash Benefit" payable will not be deducted from the Medical Account during the first 10 years up to a maximum of 150 days
2.  Waiver of Premium 9
- Premium will be waived if the insured suffers from permanent and total disability due to accident or sickness for a consecutive period of at least 180 days
3. 24-hour Worldwide Emergency Assistance Service (with China Medical Card)10
- Provide 24-hour worldwide emergency assistance in case of accidents happen or if you suffer from sickness while traveling outside Hong Kong
- China Medical Card gives you convenience of deposit free for in-patient admission to over 140 designated hospitals in China
 
Cash Value8
Cash Value is specially offered during the policy term so you will receive the followings upon policy surrender
- Guaranteed Cash Value
- Accumulated Annual Dividend
- Special Dividend
 
Illustration*
Insured
:
 Age 35, Male, Non-smoker, HK resident
"Daily Hospital Cash"
:
 HK$1,000
Payment Term
:
 6 years
Annual Premium
:
 HK$39,768
Total Premium Paid
:
 HK$238,608
 
Attained Age of Insured
Age 40
Age 75
Medical Protection & Life Benefit Amount of Medical Account
HK$600,000
HK$600,000
Projected Total Life Benefit
HK$602,560
HK$752,422
Saving Returns
 Projected Total Cash Value
HK$100,780
HK$553,042
Guaranteed Cash Value
HK$98,220
HK$400,620
 
* The above illustration is based on the assumptions that: (a) all premiums are paid in full when due; (b) the current scale of dividends and the rate of interest do not change; (c) no dividend is withdrawn from the policy; and (d) no medical benefit has been claimed throughout the term of policy.
 

Enroll Now To Enjoy Comprehensive Health Protection!

Simply call our Fubon Insurance Hotline at 2566 8181 (Press 2 > 3 > 0) or visit any Fubon Bank branch during office hours#. We will work out a customized insurance plan to suit your protection needs.

# Monday to Friday: 9am –- 7pm; Saturday: 9am –- 1pm (except Public Holidays)
 
 
 
Remarks:
1. Hospital confinement due to sickness or symptoms occurs within 30 days after the Commencement Date of Insurance or effective date of reinstatement (except hospital confinement due to accident) will be excluded.
2. If hospital confinement occurs outside Covered Areas, the "Daily Hospital Cash Benefit", "Miscellaneous Hospital Expenses Benefit" and "Surgical Cash Benefit" shall be reduced by 50%. Maximum benefits payable per hospital confinement for "Daily Hospital Cash Benefit" and "Miscellaneous Hospital Expenses Benefit" are up to 90 days. No "Intensive Care Unit Benefit" is payable if hospital confinement is outside Covered Areas.
3. This insurance plan is available for those who are Hong Kong, Macau or Taiwan residents holding a Hong Kong, Macau or Taiwan Identity Card.
4. 2 or more hospital confinements caused by same or related injury or sickness will be considered as one hospital confinement if these hospital confinements are separated within 90 days from the discharge date in respect of its preceding hospital confinement.
5. If the Insured undergoes more than one surgery during the same hospital confinement, only one surgery which entitles to the highest amount of Surgical Cash Benefit shall be payable. Any surgical procedure or operation not listed in the Surgical Schedule will be at the Company’s sole and absolute discretion in determining the classification of such surgical procedure or operation.
6. "Critical Illness Benefit" shall be payable if the insured is the first confirmed diagnosed to be suffering from the covered illness or he/she undergoes a covered operation after 90 days from the Commencement Date of Insurance or effective date of reinstatement and the insured survives for at least 30 days. "Critical Illness Benefit" shall be payable only once during the whole policy term.
7. "Life Benefit" payable will be deducted by the Total Claims Paid. If death due to suicide occurs within the first 13 months from the Commencement Date of Insurance, Life Benefit will be limited to a refund of premiums paid minus Total Claims Paid.
8. The interest rate for dividend accumulation (current rate is 3.55% per annum), the Annual Dividend and Special Dividend are not guaranteed. Dividends shall be declared annually whereas Special Dividends will be payable upon policy surrender, policy expiry or death of the Insured after the policy has been inforced for 10 years. Total Claims Paid will be deducted from the Cash Value. Dividends paid are not guaranteed and may change during the policy term. Dividends will be declared annually and you may choose to withdraw them in cash or leave them in the policy to earn interest. The payment of dividends and their respective amounts under participating policies issued by MetLife Limited is subject to a number of factors, including (a) the performance of the investment of the relevant assets of the relevant company, (b) operating expenses of the relevant company, and (c) claims experience of the relevant company in respect of such policies. Any dividends declared in the future may be lower or higher than the above quoted and past performance is not indicative of future performance.
9. "Waiver of Premium" is only applicable to the insured aged between 18 and 55 and the coverage expires at age 65 of the insured.
10. "24-hour Worldwide Emergency Assistance Service" is provided by International SOS (HK) Limited. MetLife Limited reserves the right to change the service provider and its services.
11. Exclusion terms include but not limited to self destruction, any intentional self-inflicted injury, or attempted suicide; or pregnancy, childbirth, miscarriage, abortion or any related complications; or cosmetic or plastic surgery or any elective surgery; or dental treatment or surgery unless necessitated by a Bodily Injury and certified to be necessary by a Physician; or any unlawful or illegal act of the Insured Person; or general medical check-ups or regular medical examinations; or any Pre-existing Medical Condition. Please refer to the General Exclusions in Policy Provision for details.
12. The above information is for reference only. Please refer to the policy terms and conditions for details.
 
Disclaimer:
1. 1. The above information is for reference only. Please refer to the Policy Provisions of ‘Whole Life Medicash Account Insurance Plan’ (the “Plan”) for the terms and conditions.
2. The 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 after the delivery of the policy or the issue of a Notice informing you/your representative about the availability of the policy and the expiry date of the Cooling-off Period, whichever is earlier). 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 projected total cash value payable (if any) may be less than the total premiums you have paid.
3. MetLife Limited is the insurance underwriter of the Plan and is solely responsible for all Plan features, policy approval, coverage and benefit payment. MetLife Limited is a wholly-owned subsidiary of MetLife, Inc. in Hong Kong and operates under the “MetLife” brand.
4. The Plan is distributed by Fubon Bank.
5. In case of any discrepancy between the English and Chinese versions, the English version shall always prevail.