Medical Insurance
Underwritten by: Hong Kong Life Insurance Limited
Appointed Insurance Agency: Chong Hing Bank Limited, CMB Wing Lung Bank Limited, OCBC Wing Hang Bank Limited and Shanghai Commercial Bank Limited

Enjoy Your Life with Good Health

When young, you strive to earn for your family and future. However, you may not pay attention to your health. When you are wealthy enough to enjoy life with your family, you may lose your health because of the unexpected accident or disease. Moreover, medical expenses are soaring which add burdens to the pressured life.

Whole Life Medical Series (The "Plan") offers you a lifelong renewable medical insurance, with reimbursement for medical expenses up to aged 100 of the Life Insured1. You can choose Whole Life Medical Protector / Whole Life Hospital and Surgical Benefit or Whole Life Medical Protector (Golden Pack) / Whole Life Hospital and Surgical Benefit (Golden Pack) with different benefit classes to fit your personal needs.

Reimbursement for Lifelong Medical Protection

The Plan is a medical plan of reimbursement for incurred medical expenses. In case that the Life Insured is hospitalized due to Injury or Sickness during the Benefit Term, the Plan can help you to relieve the sudden financial burden.

In addition, the Plan is yearly renewable1 up to aged 100 of the Life Insured.

Flexible Choices of Different Benefit Classes

The Plan offers 3 different choices of benefit classes: Standard, Superior and Deluxe.

Major Medical Benefit to Uplift the Maximum Coverage

Whole Life Medical Protector (Golden Pack) / Whole Life Hospital and Surgical Benefit (Golden Pack) further offers "Major Medical Benefit" which uplifts the maximum medical coverage for you to cope with the costly hospitalization expenses.

Free Worldwide Emergency Assistance2

In order to provide more comprehensive protection, the Plan enables you to enjoy the Worldwide 24 Hours Emergency Assistance Services2 wherever you are.

Flexible Choice of Rider3 to Meet Your Needs

If you enroll Whole Life Medical Protector or Whole Life Medical Protector (Golden Pack), you may enhance your coverage by attaching Hospital Income Benefit3 to the Policy to fit your personal needs.

Whole Life Medical Protector / Whole Life Hospital and Surgical Benefit (Coverage item 1-18)
Whole Life Medical Protector (Golden Pack) / Whole Life Hospital and Surgical Benefit (Golden Pack) (Coverage item 1-19)
Coverage items Benefit Class
Standard Superior Deluxe
Maximum amount per Disability (HKD)
1. Daily Hospital Room and Board
(maximum 120 days per Disability)
720 1,600 3,000
2. Daily In-Hospital Doctor's Visit
(maximum 120 days per Disability)
720 1,600 3,000
3. Miscellaneous Hospital Expenses 10,000 15,000 22,000
4. Daily Intensive Care
(maximum 30 days per Disability)
2,000 3,600 5,000
5. In-Patient Specialist's Fee 3,000 6,000 9,000
6. In-Patient Surgical Fee ** 50,000 80,000 100,000
7. Anaesthetist's Fee 40% of the actual benefit payable under the In-Patient Surgical Fee
8. Operating Theatre Fee 40% of the actual benefit payable under the In-Patient Surgical Fee
9. Out-Patient Surgical Expenses 10,000 20,000 30,000
10. Emergency Out-Patient Treatment (Accident) ^ 2,000 4,000 6,000
11. Radiotherapy and Chemotherapy for Cancer ^^
(maximum amount per Policy)
50,000 75,000 100,000
12. Kidney Dialysis ^^
(maximum amount per Policy)
50,000 75,000 100,000
13. Pre and Post-Surgical Out-Patient Care # 2,000 3,000 4,000
14. Post Hospitalization Prescribed Medication Fee
(maximum amount per Policy Year)
2,000 3,000 4,000
15. Extra Bed for Family Members
(maximum 30 days per Disability)
200 320 520
The overall maximum Hospital Benefits payable for item 1 to 15 per Disability 457,800 846,600 1,340,600
16. Accidental Death Benefit 10,000 10,000 10,000
17. Compassionate Death Benefit 10,000 10,000 10,000
18. Worldwide Emergency Assistance ~ Applicable
19. Major Medical Benefit @
If expenses for item 1 to 10 exceeds maximum amount of coverage, 80% of the exceeded amount will be reimbursed, subject to the daily maximum amount
80,000 150,000 300,000
  1. If choosing Whole Life Hospital and Surgical Benefit / Whole Life Hospital and Surgical Benefit (Golden Pack), renewal must be conducted within the Benefit Term of attached Basic Plan. Renewal premium is not guaranteed and will be calculated according to the Life Insured's attained age and the premium rates upon renewal. Hong Kong Life reserves the right to cancel the Plan at any time by giving 30 days' notice in writing to the Policyowner.
  2. Worldwide Emergency Assistance is provided by Inter Partner Assistance Hong Kong Limited and the terms and conditions of the services will be issued together with the policy document. This service is not guaranteed for renewal. Hong Kong Life reserves the right to cancel or amend the said services at its sole discretion.
  3. This is not applicable to Whole Life Hospital and Surgical Benefit / Whole Life Hospital and Surgical Benefit (Golden Pack). Application for rider must comply with the issue age requirement of the rider and is subject to normal underwriting procedures. Rider can be applied together with the Plan or upon renewal. Rider will be terminated simultaneously when the Plan is terminated. For details of rider, please refer to the policy document issued by Hong Kong Life.
** The classification of surgical procedure is based on Surgical Schedule.
^ The Injury is sustained as a result of accident and must be treated as an out-patient in the out-patient department of a Hospital within 24 hours of the said accident.
^^ Excluding the illness(es) with symptoms which first occur(s) prior to or within 90 days following the Issue Date, date of endorsement or the date of any reinstatement of the Plan, whichever is later.
# Limited to 2 times pre-surgical visits for the same Disability which occurs within 1 month immediately before the performance of such surgical procedure; and all related post-surgical follow up visits for the same Disability which occurs within 2 months immediately after such surgical procedure.
~ Worldwide Emergency Assistance Service is provided by Inter Partner Assistance Hong Kong Limited and the terms and conditions of the services will be issued together with the policy document. This service is not guaranteed for renewal. Hong Kong Life reserves the right to cancel or amend the said services at its sole discretion.
@ Major Medical Benefit is limited to the respective maximum amount per day. It covers expenses of Daily Hospital Room and Board benefit and Daily In-Hospital Doctor's Visit benefit starting on the 121st day of confinement in a Hospital and expenses of Daily Intensive Care benefit starting on the 31st day of confinement in a Hospital.
Premium Payment Term 1 Year
Issue Age* Aged 0 (15 days after birth) to 65
Policy Currency HKD / USD
Benefit Term 1 Year
(Renewable up to aged 100 of the Life Insured)
Premium Payment Mode Annual / Semi-annual / Quarterly / Monthly

* Age means age of the Life Insured at the last birthday

The Plan shall not cover any claims caused directly or indirectly, wholly or partly, by any one of the following occurrences:

  1. any hospitalization or charges incurred as a result of any Pre-existing Condition or illness the symptoms of which first occurred prior to or within 30 days following the Issue Date, date of endorsement or date of any reinstatement of the Plan, whichever is later;
  2. suicide or self-inflicted injuries while sane or insane;
  3. war whether declared or undeclared or any act thereof, invasion, civil commotion, riots or any warlike operations;
  4. service in the armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order; or violation or attempted violation of the law or resisting arrest or participation in any brawl or affray;
  5. engaging in or taking part in (a) driving or riding in any kind of race; (b) professional sports; (c) underwater activities involving the use of breathing apparatus; (d) flying or other aerial activity except as a fare-paying passenger in a commercial aircraft;
  6. Injury or Sickness sustained whilst the Life Insured is under the influence of alcohol or drugs and treatment in connection with addiction to drugs or alcohol;
  7. routine physical examinations, health check-ups or tests, rest cure, sanatorium care, vaccinations, immunization injections, preventive medication or any treatment which is not Medically Necessary;
  8. dental treatment or eye examinations, dentures, glasses or hearing aids or the fitting of any thereof, cosmetic surgery or plastic surgery, except and to the extent that any of such treatment is necessary for the cure or alleviation of Injury to the Life Insured;
  9. Human Immunodeficiency Virus (HIV) infection (except and to the extent that such infection occurs through an accidental cut or wound) and/or any HIV-related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutations, derivations or variations thereof; venereal diseases, sexually transmitted diseases, infertility, sterilization or psychiatric treatment; mental or nervous diseases or disorder including but not restricted to anorexia nervosa, anxiety, depression, mania, neurosis, paranoid, psychosis and schizophrenia; congenital deformities and anomalies that gives rise to signs or symptoms, or is diagnosed before the Life Insured reaches age 14;
  10. childbirth, pregnancy, miscarriage or abortion;
  11. treatment or surgery for tonsils, adenoids or hernia until the Life Insured has been continuously covered under the Plan for a period of 120 days immediately preceding such treatment or surgery;
  12. any Injury or Sickness for which compensation is payable under any government law or for which benefits are payable under any other insurance policy or the like except to the extent that such charges are not reimbursed by such laws or policies.

Risk

Exchange Rate Risk

If the Policy Value and premium of the Plan are calculated in USD, all benefit amount will be presented in USD. If the benefit amount is received in terms of HKD, it is subject to the exchange rate between USD and HKD as determined by Hong Kong Life at the time of payment. Due to the potential fluctuation of the exchange rate, if USD depreciates substantially against HKD, the benefit value (calculated in HKD) of the Policy may be substantially decreased; if USD appreciates substantially against HKD, the premium (calculated in HKD) of the Policy may be substantially increased.

Credit Risk of Issuer

The Plan is issued and underwritten by Hong Kong Life. Your Policy is subject to the credit risk of Hong Kong Life. In the worst case, you may lose all the premium paid and benefit amount.

Inflation Risk

When reviewing the values shown in the Insurance Proposal, please note that the cost of living in the future is likely to be higher than it is today due to inflation.

Important Policy Provisions

Automatic Termination

(Applicable to Whole Life Medical Protector or Whole Life Medical Protector (Golden Pack))

The Plan shall terminate automatically:

  1. upon the death of the Life Insured; or
  2. if and when the Plan expires; or
  3. if and when a premium remains unpaid at the end of the Grace Period as specified in the General Provisions; or
  4. on the Policy Anniversary on or immediately following the Life Insured's one hundredth (100th) birthday; or
  5. upon receipt of the written notification from the Policyowner declining any revised Schedule of Benefits under the Automatic Revision of Benefit.

(Applicable to Whole Life Hospital and Surgical Benefit / Whole Life Hospital and Surgical Benefit (Golden Pack))

The Benefit shall terminate automatically:

  1. if and when the Benefit expires; or
  2. if and when the Basic Plan terminates; or
  3. if and when a premium remains unpaid at the end of Grace Period as specified in the General Provisions; or
  4. on the Policy Anniversary on or immediately following the Life Insured's one hundredth (100th) birthday; or
  5. upon receipt of the written notification from the Policyowner declining any revised Schedule of Benefits under the Automatic Revision of Benefit.

Others

Insurance Costs

Part of the premium pays for the insurance and related costs (if any).

Cooling-off Period

If you are not satisfied with your Policy, you have a right to cancel it within the cooling-off period and obtain a refund of any premium(s) and levy(ies) paid (in the original payment currency) to Hong Kong Life without any interest. A written notice signed by you should be received by Hong Kong Life Insurance Limited at 15/F Cosco Tower, 183 Queen's Road Central, Hong Kong within the cooling-off period (that is, 21 days after the delivery of the Policy or issue of the Cooling-off Right Notice (informing you/your representative about the availability of the Policy and Expiry Date of the cooling-off period), whichever is the earlier). After the expiration of the cooling-off period, if you cancel the Policy before the end of the term, the projected Total Surrender Value (if applicable) may be less than the Total Premiums Paid.

Dispute on Selling Process and Product

Chong Hing Bank Limited, CMB Wing Lung Bank Limited, OCBC Wing Hang Bank Limited and Shanghai Commercial Bank Limited (collectively "Appointed Insurance Agencies" and each individually "Appointed Insurance Agency") are the Appointed Insurance Agencies of Hong Kong Life, and the life insurance product is a product of Hong Kong Life but not the Appointed Insurance Agencies. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Appointed Insurance Agency and the customer out of the selling process or processing of the related transaction, Appointed Insurance Agency is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the life insurance product should be resolved between Hong Kong Life and the customer directly.

The above information is for reference and is applicable within Hong Kong only. For terms and conditions, please refer to the policy document. If there is any conflict between the above information and the policy document, the latter shall prevail. The copy of the policy document is available upon request. Before applying for the insurance plan, you may refer to the contents and terms of the policy document. You may also seek independent and professional advice before making any decision.