Fubon Refundable Premium Cancer Protection Plan

Fubon Refundable Premium Cancer Protection PlanFubon Refundable Premium Cancer Protection Plan is a critical illness life insurance plan embedded with savings elements which offers you comprehensive coverage against cancer. On top of providing you with a lump sum payment upon the diagnosis of cancer, the Plan also offers life protection for added financial security. By paying premiums for just 5 years, you can enjoy 15 years of cancer protection together with life protection. You can choose from 4 Plan Levels for the protection amount to suit your needs on cancer and life protection.

^*Please be aware of the associated product risks. This insurance plan is underwritten by Fubon Life Insurance Hong Kong.

Fubon Refundable Premium Cancer Protection Plan Limited Time Offer Fubon Refundable Premium Cancer Protection Plan Limited Time OfferFrom 1 August 2025 to 30 September 2025, Fubon Credit Card customer successfully enroll in “Fubon Refundable Premium Cancer Protection Plan” with Promo Code “FBCRCG” to enjoy the following discount offer (“Premium Discount Offer”): Premium Mode Premium Discount Offer Monthly Mode Initial Premium Discount (applicable for 3-month premium) 90% off Annual Mode Initial Premium Discount (applicable for 12-month premium) 30% off Premium Discount Offer information is provided by Fubon Life Hong Kong. Should there be any enquiries regarding Premium Discount Offer or insurance product, please contact Fubon Life Hong Kong Customer Service Hotline 2516 0133 during office hours. Office hours of Fubon Life Hong Kong customer service hotline: Monday to Friday: 9am to 5:30pm. Premium Discount Offer is subject to terms and conditions as set out below. Fubon Bank (Hong Kong) Limited is not responsible for any matters related to the Premium Discount Offer, related products and services are between you and Fubon Life Hong Kong. Should there be any dispute over the Premium Discount Offer, Fubon Life Hong Kong’s decision shall be final and conclusive. To borrow or not to borrow? Borrow only if you can repay!

Plan highlights:

Plan highlights:

• High-multiplier protection. Value for money.
  You can enjoy 15 years of high-multiplier cancer protection with only 5 years of premium payments.
• 100% paid premium refund²
  As long as no Cancer Benefit1 has been paid and the Policy remains in force, the Plan will refund you 100% of the paid premium² at the end of the 15-year Policy Term, without deduction of any amount claimed for the covered Carcinoma-in-situ or Early Stage Cancer.
• Multiple Plan Levels to suit your needs
  You can choose from different Plan Levels with different Sum Assured3 that suit you best. If you are unfortunately diagnosed with Cancer, the Plan will pay you a lump sum payment of Cancer Benefit^1,4,5, equivalent to 100% of the Sum Assured less any paid Early Cancer Advance Benefit^4,5,6. The Policy shall automatically terminate upon the payment of the Cancer Benefit.
• 20% advance payment for Carcinoma-In-Situ or Early Stage Cancer
  If you are diagnosed with a covered Carcinoma-in-situ or Early Stage Cancer, the Plan will pay you 20% of the Sum Assured in advance as the Early Cancer Advance Benefit^4,5,6. That way, you can receive treatment without any further delay.

Important Notes:

1. The Policy shall automatically terminate upon the payment of the Cancer Benefit.
2. The calculation of the paid premium is based on the total paid and due premium of the Policy.
3. Each Insured Person has a HKD1,500,000 per life limit on the Sum Assured of all policies under the Fubon Refundable Premium Cancer Protection Plan.
4. No Cancer Benefit or Early Cancer Advance Benefit shall be payable if the Insured Person is diagnosed with a Cancer, Early Stage Cancer or Carcinoma-In-Situ within 90 days from the Issue Date or the last Reinstatement Date (whichever is later). Cancer Benefit and Early Cancer Advance Benefit are payable according to the definitions of Cancer, Carcinoma-In-Situ and Early Stage Cancer as set out in the Policy Provisions of the Plan.
5. Any due but unpaid premiums will be deducted from the relevant benefits payable.
6. If the Early Cancer Advance Benefit is paid under your Policy, this Benefit will no longer be available and the Cancer Benefit payable will be reduced by the amount of the paid Early Cancer Advance Benefit. All future premiums will still need to be paid.

The above is a summary for reference only. For further details, please Click Here。

Terms & Condition of Fubon Refundable Premium Cancer Protection Plan Limited Time Offer

General Terms and Conditions

1. The promotional period is from 1 August 2025 to 30 September 2025, both days inclusive (“Promotional Period”).
2. Premium Discount Offer is offered by Fubon Life Insurance (Hong Kong) Company Limited (“Fubon Life Hong Kong”).
3. Fubon Life Hong Kong is the underwriter of “Fubon Refundable Premium Cancer Protection Plan” (“Plan”).
4. Offer is only applicable to the principal cardholders and supplementary cardholders of Fubon Visa/ Mastercard Credit Card issued by Fubon Bank (Hong Kong) Limited (the “Bank”) (“Eligible Credit Card”), such holders, “Eligible cardholders”).
5. Premium Discount Offer is applicable to all policyowners who submit their applications for Fubon Refundable Premium Cancer Protection Plan via the designated link to Fubon Life Hong Kong’s online platform with the Promotional Code “FBCRCG”, and with the required initial premium after discount paid in full using Eligible Credit Card within the Promotional Period and the Policies being approved and issued within 1 month after submission (“Eligible Policy(ies)”).
6. Each application for “Fubon Refundable Premium Cancer Protection Plan” policy may only use one promotional code. Once the application is submitted, any change on the promotional code will not be accepted.
7. The policyholder and the payer of the policy premium must be the same individual. Otherwise, the policy application will not be approved.
8. The applicable initial premium for calculating the Premium Discount Offer under different premium modes are set out as below:
   Premium Mode:
   i) Monthly: Applicable initial premium - 3-month premium
   ii) Annual: Applicable initial premium - 12-month premium
9. The 90% premium discount is applicable to the initial premium of the Eligible Policy with monthly premium mode while the 30% premium discount is applicable to the initial premium of the Eligible Policy with annual premium mode.
10. Maturity Benefit and Surrender Benefit will be calculated based on the premium before discount. Please refer to the relevant Product Factsheet for details.
11. Premium Discount Offer is only applicable to Eligible Customers with Hong Kong Identity documents and a Hong Kong residential address.
12. The premium discount is non-transferable and cannot be returned, exchanged for other items or redeemed for cash.
13. If the Policy is cancelled during the Cooling-off Period, Fubon Life Hong Kong will only refund the actual amount of premium paid by the Policyowner. For details of the Cooling-off Period, please refer to the relevant Product Factsheet.
14. Fubon Life Hong Kong reserves the right to change any terms and conditions or withhold the offer of Premium Discount Offer without prior notice.
15. Should there be any dispute over Premium Discount Offer, Fubon Life Hong Kong’s decision shall be final and conclusive.
16. If the complaint / dispute is related to the policy terms and conditions, it should be resolved directly between Fubon Life Hong Kong and you. Nevertheless, where practicable and appropriate, Fubon Bank (Hong Kong) Limited will provide reasonable assistance to customers in the dispute resolution process.
17. Fubon Life Hong Kong reserves the absolute right to accept or decline any application for the Plan based on the information provided by the Applicant at the time of application.
18. The information on this web page contains general information only. It does not constitute an offer and/or insurance product recommendation. All product information is for reference only. For detailed product features, terms and conditions, key product risks as well as exclusions of the insurance product, please refer to the relevant Product Factsheet and Policy Provisions.
19. The information on this web page is for publishing in Hong Kong only and is intended for persons located in Hong Kong only and not intended for persons located in jurisdictions which restrict the distribution of information by Fubon Life Hong Kong. In any event, the information on this web page shall not be construed as an offer to sell or solicitation to buy or provision of any insurance of Fubon Life Hong Kong outside Hong Kong.
20. Fubon Life Hong Kong is authorized by the Insurance Authority to carry out long-term insurance business in Hong Kong. Fubon Life Hong Kong is a private company limited by shares incorporated and registered in Hong Kong and its registered office is situated at Suites 701 – 705, 7/F, 12 Taikoo Wan Road, Taikoo Shing, Hong Kong.

Important Note:
Fubon Bank (Hong Kong) Limited is not a provider of insurance products and services, and is not responsible for any matter of the Promotion, relevant insurance products and services.

To borrow or not to borrow? Borrow only if you can repay!