Family Guardian Refundable Hospital Income Protection Plan

Family Guardian Refundable Hospital Income Protection Plan (The “Plan”) provides you the solution to be well prepared for the rainy days. If the Life Insured needs to stay in the hospital due to Injury or Sickness, the Plan will provide the Daily Hospital Income Benefit as financial support, allowing you to recover well with peace of mind. The Plan is underwritten by Hong Kong Life Insurance Limited ("Hong Kong Life").

Below product information does not contain the full terms of the policy document. For full terms and conditions, please refer to the policy document.

Family Guardian Refundable Hospital Income Protection Plan - Client Promotion Incentive (Exclusive for Online Application): From now till 30 June 2024, successful applications of the Plan may enjoy

1. 20% first year premium discount, and
2. a HKD50 coffee coupon, with designated amount of annualized first year premium.

Terms and conditions applies.

Client Promotion Incentive Leaflet

• Daily Hospital Income for flexible use
• Intensive Care Benefit
• 3 classes of Daily Hospital Income, i.e. HKD600, HKD1,000 and HKD1,500
• 10-year protection with premium refund
• An extra 3% of Total Premiums Paid will be paid as No Claim Bonus
• Life protection for peace of mind
• Additional protection and service to meet the needs of you and your family
  
    -  First-in-Market Family Daily Hospital Income Benefit

    -  Second medical opinion from overseas expert service
• Fixed premium for your better planning
• Simple application and no medical examination is required

The Key Features are for reference only. Please refer to the Product Leaflet for the details of product features.

Daily Hospital Income Benefit, Intensive Care Benefit and Family Daily Hospital Income Benefit (HKD)(Amount per each day of Hospital Confinement)	Hospitalization Benefit Schedule: Daily Hospital Income Benefit Class 1 Class 2 Class 3 600 1,000 1,500 Maximum number of days of Hospital Confinement per Disability: 1,000 days Intensive Care Benefit Class 1 Class 2 Class 3 600 1,000 1,500 Maximum number of days of Hospital Confinement per Disability: 90 days Family Daily Hospital Income Benefit Class 1 Class 2 Class 3 600 1,000 1,500 Maximum number of days of Hospital Confinement for the Plan: 10 days
Death Benefit	105% of Total Premiums Paid
Maturity Benefit	100% of Total Premiums Paid of the Plan will be paid if the Life Insured is then alive on the Maturity Date.
No Claim Bonus	If the Life Insured is then alive on the Maturity Date, provided that no surrender and no claim has been made under Daily Hospital Income Benefit (or Family Daily Hospital Income Benefit, where applicable), Intensive Care Benefit or Surrender Benefit, an extra 3% of Total Premiums Paid will be paid as No Claim Bonus. Claim Record Percentage of Total Premiums Paid for the Plan (upon Maturity) No 100% + 3% (No Claim Bonus) Yes 100%
Surrender Benefit	Provided that no death claim is made in the benefit term of the Plan, if you surrender the Policy prior to the Maturity Date, the Surrender Benefit will be paid to the Policyowner. The Surrender Benefit equals to a percentage of Total Premiums Paid for the Plan by referring to the Schedule of Surrender Benefit as stated in the product leaflet at the time of surrender.

The Key Benefit Coverage is for reference only. Please refer to the Product Leaflet for the details of benefit coverage.

(Applicable to online application)

• Proposed Policyowner and Life Insured must be the same person
• Issue age from 18 to 60 (Age means age of the Life Insured at the last birthday)
• Holds a valid HKID card (For Proposed Policyowner, Proposed Life Insured and Proposed Covered Family Members)
• Hong Kong tax resident only

Remarks: Please contact Hong Kong Life Customer Services for enquiry if applying for persons who are not eligible online.

Product Leaflet