｜ 嚴重疾病 Critical Illness ｜

首選健康多重保
PrimeHealth Extra Saver
PHE

《彭博商業周刊》 《指標》
金融機構大奬2021 2020年財富管理大奬

危疾保障 - 傑出大奬 危疾保險產品 - 傑出表現獎

 罹患嚴重疾病，不單對健康造成影響，
亦會消耗努力累積的財富。
When a critical illness strikes, not only will you lose
your health, but also your wealth.

癌症 心臟病 中風
Cancer Heart Attack Stroke

有年輕化趨勢，40歲以下的新增患
者，較10年前約增加一倍 D。

每4位男士中便有一位患上 A

68
People under age 40 who are newly
diagnosed with heart attacks doubled
1 in 4 males may suffer from in 10 yearsD.
cancer A 100%

每5位女士中便有一人患上 A 平均每日中風人數
1 in 5 females may suffer from The number of people on average
cancerA suffer a stroke every day
香港平均每日有68人初次或再次中
風 E，由於中風有可能會導致患者癱
瘓、失去知覺等，而需要長期護理，因
而失去收入來源。
Every day in Hong Kong, some 68
people on average suffer a strokeE,
whether recurring or for the first time.
A stroke can cause paralysis and
loss of consciousness. Long-term

10年前 現在
healthcare is required and thus it may
lead to loss of income.
10 years ago Now
資料來源：
A. 醫院管理局香港癌症資料統計中心，2019年香港癌症統計概覽（2021年10月出版）
，港人於75歲
前患上癌症的比率。
B. 醫院管理局香港癌症資料統計中心，2015-2019年癌症新症數目（按年份及年齡組别）
，20-59歲
年齡組別佔所有年齡之百分比（下載日期：2021年10月） 。
C. 醫院管理局香港癌症資料統計中心，2018年香港癌症統計概覽（2020年10月出版）
，大腸癌的五
年相對存活率。
D. 醫院管理局發表資訊（2010年）
。
E. 醫院管理局統計年報（2016年5月出版）
。
Source:
A. Percentage of Hong Kong people developing cancer before the age of 75, according to the
Overview of Hong Kong Cancer Statistics of 2019, Hong Kong Cancer Registry, Hospital
Authority, Hong Kong (published in October 2021).
B. Percentage of cancer new cases aged from 20 to 59 among all age groups, according to the
No. of New Cases by Year and Age Groups 2015-2019, Hong Kong Cancer Registry, Hospital
Authority, Hong Kong (downloaded in October 2021).
C. The overall 5-year relative survival rate of colorectal cancer, according to the Overview of
Hong Kong Cancer Statistics of 2018, Hong Kong Cancer Registry, Hospital Authority, Hong
Kong (published in October 2020).
D. Information from Hospital Authority, Hong Kong (2010).
E. Statistical Report, Hospital Authority, Hong Kong (published in May 2016).

1
 嚴重疾病帶來龐大財務負擔
疾病金字塔 Considerable financial burden
entailed when contracting a critical
Illness Pyramid
illness
按第三期腸癌計算：

大件事
Based on a case of stage-3 colon cancer:

治療費
Serious problem
$1,100,000
Medical treatment expenses
以第三期腸癌包括標靶治療、
治療費 進行手術、化療、電療及免疫治療
Medical treatment 等計算
expenses Monoclonal antibodies, surgical

療養費
operation, chemotherapy,
radiotherapy and immunotherapy,
Convalescent etc. for stage-3 colon cancer
treatment expenses

收入減少 療養費 $550,000

大病 Loss of income Convalescent treatment expenses
Serious illnesses 包括監測檢查、造口、心理輔導、
私家看護等
Monitoring investigation, stoma,
破財 phychological counselling, home

中病
Loss of money nursing, etc

Common illnesses 收入損失 $662,400

Loss of income
$18,400 X 36 月 / months
小問題
小病 額
Small problem

Minor illnesses
Total
Amount
$2,312,400

註 : 有 關費用為假設，由專業醫生提供，只供參考之用，實際費用將視乎病情、藥物、主診醫生及醫院等收費而定。收入金額乃按
香港政府統計處2020年收入及工時按年統計調查報告僱員每月工資中位數計算（2021年4月出版）。
Remark : The above treatment expenses are hypothetical, which are provided by a registered medical practitioner and are for reference
only. Actual fees depend upon the actual medical condition, medication, fees charged by attending doctors and hospitals, etc.
The income amount is based on the median monthly wage of employees in the 2020 Report on Annual Earnings and Hours
Survey, Census and Statistics Department, Hong Kong (Published in April 2021) .

2
 萬通保險「首選健康多重保」特別為「首選」健康的你而
設，除提供多重安心保障，更保證保費回贈，健康及財富
保障兼備。賠償額可供自己隨意運用，包括支付各項醫療
費用，以及彌補收入損失。
Knowing that good health is your prime concern, YF Life
is proud to offer you its PrimeHealth Extra Saver. The plan
offers not only multiple protections to safeguard your health,
but also guaranteed refund of premiums, providing you with
health and wealth protection. What’s more, you can spend the
cash reimbursement at your total discretion to cover medical
expenses as well as loss of income.

3
首選健康多重保 – 一份保單 多重安心保障
PrimeHealth Extra Saver – Extra protections in one policy

多重保障 多項保證
1 Extra Protections 3 Extra Guarantees
■ 承保5個疾病組別共116種嚴重疾病 ■ 保費回贈保證
 Covering 116 illnesses in 5 Critical  Guaranteed refund of premiums
Illness Groups ■ 保費豁免保證
■ 保障高達700%基本保障額 1 Guaranteed waiver of premiums
Total benefit up to 700% of Basic Sum
Insured1

多次賠償 多份壽險保障
2 Extra Claims 4 Extra Life Protections

■ 為 復發機會較高的癌症及「 通波仔」 ■ 人壽保障

提供多次賠償  Life protection
 Offering multiple claims that cover ■ 延續壽險保障
angioplasty and recurrence of cancer Extension of Life Protection

計劃提供長達至100歲的保障年期，令你倍感安心，並備 You can enjoy absolute peace of mind, knowing that the
有10、15及20年三種繳付保費年期選擇。於繳付保費年期 benefit term may last up to age 100. You may also select

過後，無須繳付保費，仍可繼續享有終身的保障。
from three premium payment term options: 10 Years, 15
Years and 20 Years. Best of all, you will continue to enjoy
full protection beyond the premium payment term without
paying any further premiums.

4
 多重保障
1 Extra Protections

首選健康多重保承保共116種嚴重疾病，包括 PrimeHealth Extra Saver covers up to 116 Critical Illnesses, i.e.,

53種主要嚴重疾病及63種初期疾病，當中包 53 Major Critical Illnesses and 63 Early Stage Illnesses, including

括各類原位癌/初期癌症及兒童嚴重疾病保
various Carcinoma-in-situ/Early Stage Cancers and Severe Child

障，並劃分為「癌症」、「心臟血管疾病」、「腦
Diseases. All Critical Illnesses are being categorized into 5 Critical
Illness Groups, namely, “Cancer”, “Cardiovascular Diseases”, “Brain
科疾病/異常情況」、「器官嚴重疾病及衰竭」 Diseases / Disorders”, “Organ Critical Illness and Failure” and “Other
及「其他嚴重疾病」5個疾病組別，每組別的最 Critical Illnesses”. Each Group offers an individual maximum benefit,
高賠償額均獨立計算，保障高達700%基本 with the maximum aggregate benefits of all Groups up to 700% of the

保障額 1，並以兩階段運作。
Basic Sum Insured1, and benefits are provided in two phases.

總賠償700%基本保障額
Maximum Aggregate Benefits 700% of Basic Sum Insured

最高賠償
Maximum Benefit

組別 癌症
Group 1 Cancer 300%

組別 心臟血管疾病
Group 2 Cardiovascular Diseases 100%

組別 腦科疾病 / 異常情況
Group 3 Brain Diseases / Disorders 100%

組別 器官嚴重疾病及衰竭
Group 4 Organ Critical Illness and Failure 100%

組別 其他嚴重疾病
Group 5 Other Critical Illnesses 100%

5
第1階段：100%基本保障額 Phase 1: 100% of Basic Sum Insured
此階段提供的賠償額為100%基本保障額及非 This phase provides a total benefit of 100% of the Basic Sum Insured

保證「終期紅利」，保障長達至受保人100歲，共
plus the non-guaranteed “Terminal Bonus”, with coverage of 116 “Early

承保116種「初期疾病」及「主要嚴重疾病」。
Stage Illnesses” and “Major Critical Illnesses”, up to age 100.

初期疾病 2 : 基本保障額
每症保障 Early Stage Illness2: 30% / 50% of Basic Sum Insured
Coverage per
主要嚴重疾病: 基本保障額
Illness
Major Critical Illness: 100% of Basic Sum Insured

賠償
100% of基本保障額 + 非保證「終期紅利」 或現金價值 (以較高者為準) 3

Total Benefit Basic Sum Insured + Non-guaranteed Terminal Bonus OR Cash Value (whichever is higher)
3

第2階段：600%基本保障額 Phase 2: 600% of Basic Sum Insured

於賠償達100%基本保障額後，保單仍會繼續 After the total benefit paid has reached 100% of the Basic Sum

生效，為受保人提供第2階段高達600%基本保
Insured, the policy will remain in force and continue to offer the

障額的「主要嚴重疾病」保障 4。賠償按個別疾
Insured with “Major Critical Illnesses”4 coverage of up to 600% of the
Basic Sum Insured during Phase 2, subject to the remaining benefit in
病組別尚餘的基本保障額計算，最長至受保人 each Critical Illness Group. The coverage may last up to age 75.
75歲。

多重保障例子 Example of Multiple Claims

假設現年35歲的李先生投保了首選健康多重保， Assume Mr Lee, aged 35, took out a PrimeHealth Extra Saver policy
基本保障額為100,000美元。 with a Basic Sum Insured of US$100,000.

保單年 保障類別 基本保障額 賠償額

Policy Year Type of Protection % of Basic Sum Insured Benefit Payable

結腸原位癌 組別 Group 1
第1階段 Phase 1 2 Carcinoma-in-situ:
30%
$30,000
Colon
「初期疾病」

「通波仔」手術 組別 Group 2
Coverages of “Early Stage Illnesses”
＋
「主要嚴重疾病」保障
3 $30,000
“Major Critical Illnesses”
Angioplasty 30%

中風 組別 Group 3
5 $100,000
Stroke 100%
第2階段 Phase 2
心臟病 組別 Group 2
「主要嚴重疾病」保障
8 $70,000
Heart Attack 70%*
Coverage of “Major Critical Illnesses”
＋
保費豁免 肺癌 組別 Group 1
Waiver of Premiums 10 $100,000
Lung Cancer 100%

保單仍繼續生效至受保人 平均每月保費
The Policy remains in force and 75 歲 Average monthly premium $276
provides coverage up to age

* 組別2尚餘的保障金額
* The remaining benefit limit in Group 2

註 : 以上例子之繳付保費年期為20年，以年繳方式繳付保費，只供說明之用，有關保障範圍、詳情及條款，請參閱保單文件。
Remark : The above example is based on a 20-year premium payment term and premiums paid annually. It is for illustrative
purpose only. Please refer to the policy document for benefit coverage and exact terms and conditions.
 疾病保障及賠償額一覽表
Table of Critical Illness Coverage & Benefit
疾病組別 / 初期疾病 Early Stage Illness 主要嚴重疾病 4 Major Critical Illness4
每組別賠償限額 每項疾病保障 基本保障額 2 每項疾病保障 基本保障額
Critical Illness Group /
Maximum Benefit
Benefit per illness 30% of Basic Sum Insured2 Benefit per illness 100% of Basic Sum Insured

Per Group
% 基本保障額
of Basic Sum Insured

原位癌 / 初期癌症a,5 1 癌症 Cancer

組別 Carcinoma-in-situ / Early Stage Cancer a,5
Group 1 1 乳房 Breast

2 子宮頸 Cervix
癌症
Cancer 3 子宮 Uterus

4 卵巢 Ovary

300% 5 輸卵管 Fallopian Tube

6 陰道 Vagina

7 睪丸 Testis

8 陰莖 Penis

9 結腸或直腸 Colon or Rectum

10 肺 Lung

11 胃或食道 Stomach or Oesophagus

12 鼻咽 Nasopharynx

13 肝 Liver

14 尿道 Urinary Tract

15 AJCC第二期或以上 Non Melanoma Skin

的非黑色瘤皮膚癌 Cancer of AJCC Stage II
or above

16 前列腺 Prostate

17 早期甲狀腺乳頭 Early Stage Papillary

狀癌 Carcinoma of the Thyroid

18 冠狀動脈的血管成 Angioplasty and Other 2 心臟病 Heart Attack

組別 形術及其它冠狀動 Surgeries
2
for Coronary
3 冠狀動脈 (迴接)
脈的血管手術 a,6 Arterya,6 Coronary Artery Bypass
手術
Group
(俗稱通波仔)
Surgery

4 其它嚴重冠狀動脈
心臟血管疾病 19 微創性直接冠狀動 Minimally Invasive Direct
Other Serious Coronary
疾病
脈搭橋術
a
Artery Disease
Coronary Artery By-
Cardiovascular
5 主要動脈手術
a
pass Surgery to Aorta
Diseases
20 心瓣膜疾病的次級 Less Invasive 6 心瓣置換 Heart Valve
創傷性治療
100% Treatments of Heart
Valve Disease
Replacement

21 次級嚴重心臟 Less Severe Heart 7 心肌病 Cardiomyopathy

疾病 Disease
8 肺動脈高血壓 Pulmonary Arterial
22 心包切除術 Pericardectomy Hypertension

23 主動脈疾病或主動 Endovascular Treatments

脈瘤的血管介入 of Aortic Disease or Aortic
治療
Aneurysm

24 腔靜脈過濾器植入 Insertion of a Vena-cava

Filter

25 川崎病
e
Kawasaki Diseasee

7
 26 頸動脈成形術及 Angioplasty and Other 9 中風 Stroke
組別 其它頸動脈手術
3
Surgeries for Carotid
Arteries 10 柏金遜病 Parkinson’s Disease
Group
27 中度嚴重柏金遜病 Moderately Severe 11 良性腦部腫瘤 Benign Brain Tumour

12 亞爾茲默氏病 /
Parkinson's Disease
腦科疾病 / 異常情況
Alzheimer’s Disease /
28 需進行手術之 Cerebral Aneurysm 不能復原的器官性 Irreversible Organic
腦血管瘤 退化腦毛病
Brain Diseases / Requiring Surgery Degenerative Brain
Disorders Disorders
(基本保障額 50% of Basic Sum Insured)
13 昏迷
100%
Coma
29 腦分流器植入術 Cerebral Shunt Insertion
14 植物人 Apallic Syndrome
30 腦動脈瘤的血管
15 腦膜炎
Endovascular Treatment
介入治療和腦病變 for Cerebral Aneurysm
Bacterial Meningitis

的其它治療
and Other Treatment for 16 腦炎 Encephalitis
Cerebral Disease
17 腦部手術
31 次級嚴重細菌性
Brain Surgery
Less Severe Bacterial
腦膜炎 Meningitis 18 嚴重頭部創傷 Major Head Trauma

32 次級嚴重昏迷 Less Severe Coma 19 多發性硬化症 Multiple Sclerosis

33 次級嚴重腦炎 Less Severe Encephalitis 20 運動神經原疾病 Motor Neurone Disease

34 中度嚴重腦部損傷 Moderately Severe Brain 21 脊髓灰質炎 Poliomyelitis
Damage
22 漸進性核上神經
35 腦硬膜下血腫手術 Surgery for Subdural
Progressive
Haematoma 麻痺症 Supranuclear Palsy

36 移除腦下垂體腫瘤 Surgical Removal of 23 肌肉萎縮 Muscular Dystrophy

手術 Pituitary Tumour
24 腦部受損 / 失去 Brain Damage / Loss of
37 中度嚴重癱瘓 Moderately Severe 獨立生存的能力 Independent Existence

25 癱瘓
Paralysis
Paralysis
38 自閉症e Autisme

39 因疾病及 / 或意外 Intellectual Impairment

受傷導致智力受損 e due to Sickness and / ore
Accidental Bodily Injury

40 膽道再造術 Biliary Tract 26 腎衰竭 Kidney Failure

組別
4
Reconstruction Surgery
27 慢性肝衰竭 Chronic Liver Failure
41 早期慢性肺病 Early Chronic Lung
28 主要器官移植
Group
Disease Major Organ Transplant

器官嚴重疾病及衰竭 42 肝炎伴肝硬化 Hepatitis with Cirrhosis 29 暴發性病毒性肝炎 Fulminant Viral Hepatitis

Organ Critical Illness 43 次級嚴重腎病 Less Severe Kidney 30 腎髓質囊腫病 Medullary Cystic Disease
and Failure Disease
31 潰瘍性結腸炎 Ulcerative Colitis
44 肝臟手術
100%
Liver Surgery
32 慢性肺病 Chronic Lung Disease
45 主要器官移植 Major Organ
( 屬於器官移植輪候 Transplantation (on 33 慢性自體免疫性 Chronic Auto-immune
名單上的輪候者）
Waiting List) 肝炎 Hepatitis

46 移除單肺手術 Surgical Removal of One 34 克隆病 Crohn's Disease

35 復發性慢性胰臟炎 Chronic Relapsing

Lung

47 嚴重哮喘e Severe Asthmae Pancreatitis

48 幼兒期病發胰島素 Insulin Dependent

依賴性糖尿病e Diabetes Mellitus,
Juvenile Onset
e

8
 疾病組別 / 初期疾病 Early Stage Illness 主要嚴重疾病 4 Major Critical Illness4
每組別賠償限額 每項疾病保障 基本保障額 2 每項疾病保障 基本保障額
Critical Illness Group /
Maximum Benefit
Benefit per illness 30% of Basic Sum Insured2 Benefit per illness 100% of Basic Sum Insured

Per Group
% 基本保障額
of Basic Sum Insured

49 腎上腺腺瘤的 Adrenalectomy for 36 末期病症f Terminal Illnessf

組別 腎上腺切除術
5
Adrenal Adenoma
37 紅斑狼瘡 Systemic Lupus
Group 50 早期克雅氏症 Early Stage Creutzfeld- Erythematosus
（早期瘋牛症） Jacob Disease
38 失明 Blindness
其他嚴重疾病
(Early Mad Cow Disease)

Other Critical Illnesses 51 意外所致的臉部 Facial Burns due to 39 身體機能阻障 f Dysfunctionf

燒傷 Accident
40 完全及永久傷殘 d, f Total and Permanent
52 單目失明
100% 53 單耳失
Loss of Sight in One Eye
Loss of Hearing in One 41 類風濕性關節炎
Disabilityd, f

Rheumatoid Arthritis
Ear
42 失去肢體 / 視力
54 失去單肢
Loss of Limbs /
Loss of One Limb Sight of Eyes
55 耳蝸植入術 Cochlear Implant
43 失 Deafness
Surgery

56 糖尿病性視網膜 Diabetic Retinopathya 44 失去語言能力 Loss of Speech

病變a 45 嚴重燒傷 Major Burns

57 次級嚴重紅斑
46 克雅氏症
 ess Severe Systematic
L
狼瘡
Creutzfeld-Jacob
（瘋牛症）
Lupus Erythematosus
Disease (Mad Cow
58 骨質疏鬆症併 Osteoporosis with Disease)
骨折c Fracturesc
47 象皮病 Elephantiasis
59 意外矯形手術a, b
48 壞死性筋膜炎
Accidental
Reconstructive Necrotising Fasciitis

49 成形不全貧血病
Surgerya, b
Aplastic Anaemia
60 周圍動脈疾病的
50 經輸血感染人類
Endovascular Treatment
血管介入治療a of Peripheral Arterial HIV through Blood
Diseasea 免疫力缺乏病毒 Transfusion

61 血友病 e Haemophiliae 51 因職業感染人類 Occupationally

免疫力缺乏病毒 Acquired HIV
62 成骨不全症e Osteogenesis
Imperfectae 52 慢性腎上腺功能 Chronic Adrenal

63 幼兒慢性關節炎－ Juvenile Chronic 不全 Insufficiency

斯蒂爾病 e Arthritis – Still’s Diseasee

53 伊波拉出血性熱病 Ebola Hemorrhagic
Fever

註：有關各疾病的定義，請參閱保單文件。 Remarks: For the definition of each illness, please refer to the policy document.
a. 個人於本公司就該項疾病的最高賠償額為37,500 a. Subject to US$37,500 / HK$/MOP300,000 per type of illness per life limit under
美元/300,000港元/澳門元。
all benefits issued by the Company.

b. 賠償未獲賠償而需支付的實際住院及醫療費用。
b. Reimburses the actual amount of hospitalization and medical expenses not yet
reimbursed.
c. 個人於本公司就該項疾病的最高賠償額為18,750 c. Subject to US$18,750 / HK$/MOP150,000 per type of illness per life limit under
美元/150,000港元/澳門元。保障至受保人70歲。 all benefits issued by the Company; coverage may last up to age 70 of the
d.「完全及永久傷殘」保障只適用於18至65歲的受保人。
Insured.

e. 各類兒童嚴重疾病合共只可獲賠償一次，保障至受保人
d. Coverage for “Total and Permanent Disability” is only applicable to Insured aged
18-65.
25歲，而個人於本公司最高賠償額為37,500美元/
e. All Severe Child Diseases in total can be claimed once only, and the coverage
300,000港元/澳門元。 may last up to age 25 of the Insured, subject to US$37,500 / HK$/MOP300,000
f. 末期病疾、身體機能阻障及完全及永久傷殘的保障只適 per life limit under all benefits issued by the Company.
用於第1階段的保障，即保單的賠償額未達100%基本 f. Coverage for Terminal Illness, Dysfunction, and Total and Permanent Disability
保障額。 is only applicable to Phase 1 when the total benefit paid has not reached 100% of
the Basic Sum Insured.

9
 多次賠償
2 Extra Claims

首選健康多重保特別為復發 8 機會高的癌症提供 In view of the high risk of cancer recurrence8, PrimeHealth Extra Saver
多達5次賠償，賠償額可高達300%基本保障 provides extra coverage for Cancer, which can be claimed up to five

額。此外，計劃亦為「冠狀動脈的血管成形術及
times, with a benefit limit up to 300% of the Basic Sum Insured. For

其它冠狀動脈的血管手術」
（ 俗稱「通波仔」手
Angioplasty and Other Surgeries for Coronary Artery, the claim may be
made twice.
術）提供多達兩次賠償。

疾病 最高賠償次數 每症保障限額 最高賠償限額

Illness Max. No. of Benefit Limit per Illness Max. Benefit
基本保障額 % of Basic Sum Insured
Claims

組別 原位癌 / 初期癌症 5

癌症
Group 1 Carcinoma-in-situ / Early Stage Cancer 5

主要嚴重疾病 － 癌症 4
2 30% 7
300%
100%

2
Cancer Major Critical Illness – Cancer 4 3

組別
冠狀動脈的血管成形術及其它冠狀動脈
Group
的血管手術6 (俗稱「通波仔」)
心臟血管疾病 Angioplasty and Other Surgeries for
2 30% 7 100%
Cardiovascular Coronary Artery 6
Diseases

多次賠償例子 Example of Multiple Claims

假設現年30歲的陳小姐投保了 Assume Ms Chan, aged 30, is insured with a PrimeHealth Extra Saver
首選健康多重保，基本保障額為50,000美元。 policy with a Basic Sum Insured of US$50,000.

保單年 疾病 基本保障額 賠償額

Policy Year Type of Protection % of Basic Sum Insured Benefit Payable

結腸原位癌 組別 Group 1
1 $15,000
兩種不同的原位癌/ 初期癌症可獲賠償各一次。 Carcinoma-in-situ: Colon 30%
乳房原位癌
Up to two different types of "Carcinoma-in-situ/ Early
Stage Cancers" benefit can be claimed once each. 組別 Group 1
3 Carcinoma-in-situ: $15,000
Breast
30%

兩種不同癌症的確診日期相距一年或以上，便可 結腸癌 組別 Group 1

獲賠償。（ 並非復發 8 所致） 4 $50,000
Colon Cancer 100%
Provided that the period elapsed between the diagnosis
dates of two different Cancers is 1 year or more, claims

肺癌 組別 Group 1
can be made (not due to recurrence 8).

6 $50,000
癌症的復發 亦可獲得賠償，惟確診日期必須與
8 Lung Cancer 100%
前次相關癌症完全康復日起計相距5年或以上。

肺癌復發 8 組別 Group 1
Cancer recurrence 8 can also be claimed. However,
the period elapsed between the diagnosis date of the
subsequent Cancer and the date of complete remission 13 $20,000
in respect of the Relevant Preceding Cancer must be 5 Lung Cancer recurrence 8
40%*
years or more.

保單仍繼續生效及提供其他疾病組別保障至 平均每月保費
The Policy remains in force and provides coverage of other 75 歲 Average monthly premium $110
Critical Illness Groups up to age

註： 以上例子之繳付保費年期為20年，以年繳方式繳付保費，只供說明之用，有關保障範圍、
詳情及條款，請參閱保單文件。
Remark: The above example is based on a 20-year premium payment term and premiums paid * 組別1尚餘的保障金額
annually. It is for illustrative purpose only. Please refer to the policy document for * Remaining benefit limit in Group 1
benefit coverage and exact terms and conditions.
 多項保證
3 Extra Guarantees

保費回贈保證 Guaranteed Refund of Premiums

於第1階段保障期間，當你選擇退保時，而保 In Phase 1, if you surrender the policy at the 18th policy anniversary

單已生效滿18年或以上，便可獲百分百保費回
onwards, the plan offers you a guaranteed “Refund of Premiums”9,

贈 9，以及「終期紅利」3，而毋須扣除任何曾支付
and a “Terminal Bonus” 3, without deduction of any claims paid. What’s
more, starting from the third policy anniversary onwards, the plan
的賠償金額；此外，於保單生效滿3年起退保， offers you a partial “Refund of Premiums” upon policy surrender.
計劃亦提供部分保費回贈。

現金價值（已繳保費 9 的百分比）
Cash Value (% of Total Premiums Paid9)

「終期紅利」3
5% 20% 40% 70% 100% ＋
“Terminal Bonus”3

保單週年日
保證保費回贈
3 5 10 15 18
Policy anniversary day Age
Guaranteed
100歲
Premium 退保日期
Refund Policy Surrender Date

保費豁免保證 Guaranteed Waiver of Premiums

於賠償額達100%基本保障額後，你不但可繼 After the total benefit paid has reached 100% of the Basic Sum Insured,

續獲享第2階段高達600%基本保障額的「主要
not only can you continue to enjoy coverage of “Major Critical Illnesses”

嚴重疾病」保障至75歲，更可獲豁免餘下繳付保
with total benefit up to 600% of the Basic Sum Insured up to age 75, but
also a waiver of premiums for the remaining premium-payment term
費年期的所需保費，而保單仍會生效。 while the policy remains in force.

11
 多份壽險保障
4 Extra Life Protections

人壽保障 Life Protection

於第1階段保障期間，若受保人不幸身故，其受 In the unfortunate event of the death of the Insured during Phase 1,

益人可獲發人壽保障賠償。
the life protection benefit will be paid to the beneficiary.

基本保障額 + 非保證「終期紅利」3 或現金價值

100% of the Basic Sum Insured + Non-guaranteed

“Terminal Bonus”3 OR Cash Value
(以較高者為準，並須扣除任何曾支付的賠償金額
whichever is higher, after deduction of any claims paid)

延續壽險保障 Extension of Life Protection

如不幸患上嚴重疾病，當然希望給家人多一份 We understand that, if diagnosed with a critical illness, you may like

保障。我們深明你的需要，因此，受保人經確診
to give extra protection to your family. Therefore, you may opt to take

患上嚴重疾病而賠償額達100%基本保障額
out a permanent life insurance plan10 without the need to provide
any satisfactory proof of insurability within 90 days following the
的一年後的90日內10，在毋須提供滿意的投保資 end of one year after the diagnosis date of a covered Critical Illness,
料的情況下，選擇投保另一份終身壽險計劃，最 which results in the total benefit paid reaching 100% of the Basic Sum
高可達原本計劃的100%基本保障額。 Insured. The Basic Sum Insured may be up to 100% of the Basic Sum
Insured under the original plan.

12
 附註 Notes

1. 若因同一宗疾病 / 意外被同日確診多於一次嚴重疾
1. If more than one Critical Illness diagnosed on the same day are arising

病，我們只會賠償當中最高賠償額的一次疾病。
from the same illness or injury, the claim will be paid once only for the
Critical Illness with higher benefit amount.
2. 初期疾病的賠償額最高為100%基本保障額及非 2. The maximum aggregate benefits for Early Stage Illnesses are up to 100%
保證「終期紅利」或現金價值（以較高者為準）。 of the Basic Sum Insured plus the non-guaranteed “Terminal Bonus” or
3. 由保單生效第18個保單週年日起，本公司將每年宣 Cash Value (whichever is higher).
佈隨後12個月內適用的非保證「終期紅利」，並將於 3. From the 18th policy anniversary onwards, the non-guaranteed “Terminal
受保人身故、作出的賠償額達100%基本保障額、 Bonus” will be declared annually for the following twelve-month period
保障期滿或退保時派發一次。 and will be payable upon the death of the Insured, the total benefits paid
reaching 100% of the Basic Sum Insured, or upon the maturity or surrender
4. 第2階段的「主要嚴重疾病」保障須符合以下情況： of the policy.
(a) 受保人必須由確診日起計生存最少十四天；及 4. Conditions for the coverage of “Major Critical Illnesses” in Phase 2:
(b) 主 要嚴重疾病之確診日期必須與緊接前次的主 (a) the Insured must survive for at least 14 days from the date of diagnosis
要嚴重疾病之確診日期相距一年或以上，及： of Major Critical Illness; and

i) 若被確診患上之癌症是前次相關癌症的復
(b) the period elapsed between the diagnosis dates of a Major Critical
發，則其後的癌症確診日期必須與前次相關
Illness and the immediate preceding Major Critical Illness must be at

癌症的所有療程完畢後，進行診斷檢查確定
least one year; and:

已完全康復之日起計算相距五年或以上；
i) if the diagnosed Cancer is a Recurrence of the Relevant Preceding
Cancer, the diagnosis date of the subsequent Cancer must be at
ii) 若曾作出主要嚴重疾病為癌症的賠償，而受 least five years after the date of complete remission of the Relevant
保人其後被確診患上組別4「器官嚴重疾病 Preceding Cancer;
及衰竭」，兩者之確診日期必須相距五年或 ii) if the Insured has received Major Critical Illness benefit for Cancer
以上； and is subsequently diagnosed with “Group 4: Organ Critical Illness
iii) 若緊接之前之主要嚴重疾病賠償為身體機能 and Failure”, the period elapsed between the two diagnosis dates
阻障、末期病症或完全及永久傷殘，則其後
must be at least five years;
之主要嚴重疾病的確診日期必須與上述疾病 iii) if the immediate preceding Major Critical Illness claim is for
之前次確診日期相距五年或以上；及
Dysfunction, Terminal Illness or Total and Permanent Disability, the
period elapsed between the two diagnosis dates of the subsequent
(c) 保 障並不包括身體機能阻障、末期病症或完全及 Major Critical Illness and the above illnesses must be at least five
永久傷殘。 years; and
5. 最多可獲兩種不同原位癌 / 初期癌症賠償各一次。 (c) coverage is not applicable to Dysfunction, Terminal Illness, Total and
6. 索償只適用於需進行手術的冠狀動脈出現收窄的情 Permanent Disability.
況達50%或以上；而第2次之索償需符合上述之情 5. Benefits for up to two different types of “Carcinoma-in-situ/Early Stage
況，以及於首次已獲賠償的醫學檢查報告內已顯示
Cancer” can be claimed once each.
第2次進行手術的主要冠狀動脈收窄或阻塞之位置 6. To be eligible for a claim, the coronary artery must have stenosis of 50%
並不多於60%。
or higher; to be eligible for a second claim, in addition to the above-
mentioned criterion, the treatment must also be performed on a location
7. 個人於本公司就該項疾病的最高賠償額為37,500 of stenosis or obstruction in a major coronary artery where no stenosis
美元 / 300,000港元 / 澳門元。 greater than 60 percent was identified in the medical examination report
8. 癌症復發指「由前次癌症的相同癌細胞所致」或「由 relating to the first claim.
前次癌症轉移所致」。 7. Subject to US$37,500 / HK$ / MOP300,000 per type of illness per life limit
9. 保費回贈保證適用於賠償額未達100%基本保障
under all benefits issued by the Company.

額之保單。已繳保費金額乃按「基本計劃的每年保
8. Recurrence of Cancer means a Cancer which is caused by “the same
費」
（不包括額外附加保費）計算。
malignant cells that caused the preceding Cancer” or “metastasis of the
preceding Cancer”.
10. 只 適用於受保人76歲前。 9. Guaranteed Refund of Premiums is only applicable to the policy if
11. 一 經投保，保費不會按受保人年齡增加而遞增。然 total benefit paid has not reached 100% of the Basic Sum Insured. The
而，本公司保留調整同一風險級別保費率的權利。 calculation of Total Premiums paid is based on the “Annual Premium of
12. 同一受保人於本公司投保的所有嚴重疾病計劃的總
Basic Plan” (excluding extra loading premiums).

保障額最高為1,500,000 美元 / 12,000,000 港元 /
10. Only applicable to the Insured aged below 76.
澳門元。 11. Once insured, the premiums will not increase as the age of the Insured
increases. However, the Company reserves the right to adjust the premium
rate for all Insured of the same risk class.
12. The maximum aggregate Sum Insured of all Critical Illness plans under
the same Insured with the Company is limited to US$1,500,000/ HK$ /
MOP12,000,000.

13
重要資料 Important Information
終期紅利理念 Terminal Bonus Philosophy
公司已成立一個委員會，在釐定終期紅利派發之金額時 A committee has been set up to provide independent advice on the
向公司董事會提供獨立意見。實際終期紅利派發之金額 determination of the terminal bonus amounts to the Board of the Company.
會先由委任精算師建議，然後經此委員會審議決定， The actual terminal bonuses, which are recommended by the Appointed
最後由公司董事會（包括一個或以上獨立非執行董事）
Actuary, will be decided upon the deliberation of the committee and finally
批准。
approved by the Board of Directors of the Company, including one or more
Independent Non-Executive Directors.
於釐定終期紅利時，我們致力確保保單持有人和本公司 Terminal bonuses will be determined with an aim to ensure fair sharing
能得到合理的盈餘分配。此計劃的利潤與虧損會因包括 of profits between policyholders and the Company. In the plan, profit and
但不限於投資回報及退保而影響你的資產份額。為使我 loss arising from including, but not limited to, investment performance and
們與你的利益一致，我們的目標是將不少於90%的可分 surrenders will impact your asset share. To align our interest with yours,
配利潤分配予你，餘下的部分則歸於我們。可分配利潤 we aim to share with you no less than 90% of the distributable profit while
和總利潤是分開計算且可能不同。 the remaining portion goes to us. The amount of the distributable profits is
determined separately from and may not be the same as the total profits.
我們將最少每年檢視及釐定終期紅利一次。我們將會參
考包括但不限於以下因素的過往經驗和預期未來展望， The terminal bonuses will be reviewed and determined by us at least once per
以釐定保單的終期紅利。
year. In determining the terminal bonuses, we will take into account both past
experience and expected future outlooks for factors including, but not limited
投資回報：包括所投資的資產賺取的利息/ 紅利收入及 to, the following.
市場價格變動。投資表現會受利息/ 紅利收入之波動以 Investment performance: This includes interest / dividend income and
及各種市場風險因素如信貸息差、違約風險、股票價格、 changes in the market value of the invested assets. Investment performance
房地產價格及商品價格之波動及匯率而影響。 could be affected by fluctuations in interest / dividend income and various
退保：包括保單失效、退保、部分退保及其他扣減項目及
market risk factors, such as credit spread, default risk, fluctuations in equity

保障支付，以及其對投資的相關影響。
prices, property prices, commodity prices, exchange rates, etc.

為了提供更平穩的終期紅利，我們或會在投資表現強勁
Surrenders: These may include policy lapses, surrenders, partial surrenders
and other deductions and benefit payments; and the corresponding impact on
的時期保留回報，用作在投資表現較弱的時期支持或維 investments.
持較高之終期紅利。
To provide more stable terminal bonuses, we may retain returns during periods
投資政策、目標及策略 of strong performance to support or maintain stronger terminal bonuses
萬通保險國際有限公司（「本公司」）的投資目標是優化 during periods of less favourable performance.
保單持有人的長線回報並維持風險於可接受的水平。資 Investment Policy, Objective and Strategy
產會被投放於不同類型的投資工具，可能包括環球股 The investment objective of YF Life Insurance International Ltd. (“the
票、債券及其他固定收益資產、房地產和商品市場。此 Company”) is to optimize policyholders’ returns over the long-term with an
多元化之投資組合目的在於達到可觀且穩定的長線投 acceptable level of risk. Assets are invested in a broad range of investment
資回報。 vehicles, which may include global equities, bonds and other fixed income

我們會根據投資的資產之過往及預期的表現、波幅及相
instruments, properties and commodities. This diversified investment portfolio
aims to achieve attractive and stable long-term returns.
關風險去選擇投資的資產及管理我們的投資組合。
Past and expected future performance, volatility, and the associated risks
為達至長線目標回報，本公司採用一套以固定收益資產 of investment assets are considered in selecting investment assets and
及股票類資產為組合的投資策略。現時的長線投資策略 managing our investment portfolio.
按以下分配，投資在以下資產：
To achieve the long-term target returns, the Company implements a strategy
資產類別 目標資產組合 (%) utilizing a mix of fixed-income and equity-like investments. The current
long-term target strategy is to allocate assets as follows:
債券及其他固定收益資產 80% - 100%
Asset Class Target Asset Mix (%)
股票類資產 0% - 20%
Bonds and other fixed-income instruments 80% - 100%
債券及其他固定收益資產主要包括擁有高信用評級的政 Equity-like assets 0% - 20%
府債券及不同行業的企業債券（主要投資於美國市場），
提供一個多元化及高質素之債券投資組合。
Bonds and other fixed-income investments mainly include high credit rating
government bonds and corporate bonds (which are mainly invested in the
股票類資產可能包括環球股票（公共及 / 或私募股權）、 geographical region of the United States) across a variety of industries, making
互惠基金、交易所交易基金、高息債券、房地產及商品市 up a diversified bond portfolio with high asset quality.
場。投資遍佈於不同地區及涉及不同的行業。另外，我們 Equity-like assets may include global equities (public and / or private), mutual
或會使用衍生工具作為資產風險管理。 funds, exchange-traded funds, high yield debts, properties and commodities.
投資策略或會不時根據市場環境及經濟展望而作變動。
Investments are diversified across various geographical areas and industries.
Derivatives may also be used for risk-management purposes.
相關詳情及過往派息率資料請瀏覽本公司網頁： This investment strategy may be subject to change, depending on the
香港：
prevailing market conditions and economic outlook.

[Link] For relevant details and historical crediting interest rate, please visit our website:
Individual/Services/Useful-Information/
Investment-Strategy Hong Kong:

澳門：
[Link]
Useful-Information/Investment-Strategy
[Link]
Individual/Services/Useful-Information/
Investment-Strategy Macau:
[Link]
Useful-Information/Investment-Strategy

14
 主要產品說明 Key Product Disclosures
繳付保費年期及保障年期 Premium Payment Term and Benefit Term
你應就已選擇的繳付保費年期持續繳付保費。如在保費
You should pay the premium(s) in accordance with your selected premium
到期日起計31天寬限期屆滿前仍未繳付保費，保單的所
payment term. If the premium is not paid before the end of the 31-day Grace

有保障將會終止，而現金價值（如有）將獲支付。
Period from such premium due date, all coverage under the policy will be
terminated and the Cash Value (if any) would be payable.
保障年期最長可至受保人100歲。 The Benefit Term is up to age 100 of the Insured.
終止 Termination
在下列任何情況下，保單將會終止： The policy will be terminated when one of the following events occurs:
• 於保障到期日當日 • On the Benefit Expiry Date
• 寬限期屆滿 • The Grace Period ends
• 保單持有人呈交書面要求終止本保單 • The policy owner submits a written request to terminate this policy

• 受保人身故 • The Insured dies

提早退保
Early Surrender
本產品是為長線持有而設。如提早終止保單，你所獲得
The product is intended to be held in the long-term. Should you terminate the

的現金價值或會遠低於你的已繳保費。
policy early, you may receive a Cash Value considerably less than the total
premiums paid.
保費調整 Premium Adjustment
如接獲所需保費，保單會於每個保單週年獲續期一年。 The policy will be renewed at each policy anniversary for another one year
在每次續期時，本公司保留更改適用於同一風險級別受 upon receipt of the payment of the required premium. The Company reserves
保人的保費之權利，並會於每個保單週年日不少於30日 the right to change the premium on each renewal for all Insureds of the same
前以書面通知你有關更改。保費會因應某些因素而作出 class, and notifies you the related changes by giving you a written notice
調整，這些因素包括但不限於本公司過去的索償紀錄及 no less than 30 days prior to each policy anniversary. The major factors
續保率、開支、預期未來的索償成本及投資環境。 to consider for premium adjustment include, but not limited to, the claim
experience and persistency experience of the Company, expenses, the
通脹風險 expected claim costs in the future, and the investment environment.
當實際通脹率較預期為高，即使本公司按保單條款履
行合約義務，保單持有人獲得的金額的實質價值可能
Inflation Risk
Where the actual rate of inflation is higher than expected, the policy
較少。 owner might receive less in real terms even if the Company meets all of its
信貸風險
contractual obligations.
本計劃由本公司承保及負責，保單持有人的保單權益會 Credit Risk
受其信貸風險所影響。 This plan is underwritten by the Company. The insurance benefits are held

因醫療而必須進行的
solely responsible by the Company and subject to its credit risk.

指符合以下所有情況： Medically Necessary

1. 因應診斷結果而施行一般慣常使用的醫治方法。
Means all of the following conditions are met:
1. Consistent with the diagnosis and customary medical treatment for the
2. 根據既定之良好醫療守則。 condition.
3. 並非就受保人及 / 或醫生之方便而進行。 2. In accordance with standards of good medical practice.
3. Not for the convenience of the Insured and / or the Doctor.
主要不保事項
受保人若在保單日期起計一年內自殺，無論其是否在神
Key Exclusions

智清醒的情況下，本公司的全部責任將只限於退還已支
If the Insured commits suicide, whether sane or insane, within one year
from the Policy Date, the total liability of the Company shall be limited to the
付之保費（扣除已支付或將獲支付之賠償額）。 premiums paid less any benefit amount that has been paid or is payable.
因以下一種或多種情況而直接或間接引致的嚴重疾病， The policy will not pay any benefit claim to a Critical Illness caused directly or
將不獲賠償： indirectly, by or resulting from one or more of the following:
• 自殺或在神智不清醒的狀況下受傷；自傷身體；酒精 • Suicide or injuries due to insanity; self-infliction; intoxication by alcohol or
或藥物中毒（除非由醫生處方）；吸入氣體（因工作需 drugs not prescribed by a Doctor; inhaling gas (except from hazard incidental
要而引致則除外）； to occupation);
• 因戰爭或民間騷動引致；在戰爭中參與軍事服務；犯 • Any act due to war or civil commotion; military services in time of war;
法、企圖犯法或拒捕；
violation or attempted violation of the law or resistance to arrest;

• 參與任何駕駛或騎術賽事；專業運動；需使用呼吸用 • Engaging in or taking part in driving or riding in any kind of race; professional

具之潛水活動；乘搭或駕駛任何飛機（除非為民航機
sports; underwater activities involving the use of breathing apparatus; travel
in any aircraft, except as a fare paying passenger in a commercial aircraft;
的持票乘客）；
• Pre-existing symptoms or conditions; any diseases or illnesses which
• 投保時已存在的病徵及病狀；在保障生效日期的六十 occurred within 60 days after the Effective Date of Coverage; any diseases
天內出現的嚴重疾病；任何在受保人十八歲前因患上 or illnesses which are due to a congenital defect or condition and occurred
或出現之先天性畸形或反常的情況而引致的疾病或 before the Insured reaches 18 years of age; any Human Immunodeficiency
病患；任何人類免疫力缺乏症病毒及 / 或與此有關之 Virus (HIV) and/or any HIV-related illnesses including AIDS; the Insured, after
病症，包括愛滋病；在受保人確診患上導致賠償額 the diagnosis of a Critical Illness giving rise to the Reaching of Aggregate
達到合計限額的嚴重疾病後，在受保人其後確診患上 Limit, dies within 14 days after the diagnosis of a subsequent Critical Illness
另一種嚴重疾病後的十四天內身故

15
提供資料責任及未符合這要求的後果 Duty of Disclosure and the Consequences of Not Making Full Disclosure
在投保時，你 / 你們必須提供一切知悉或據常理知悉的 You are required to disclose in the application all information you know or
資料，因本公司會按照所提供的資料評核接受投保及決 could reasonably be expected to know because the Company will rely on
定保險條款。提供資料的責任將會在投保申請表的簽署 what you have disclosed in this application to accept the risk and the terms of
日期或任何補充文件的簽署日期（以較後日期為準）完
insurance. Your duty of disclosure ends on the signing date of application or
成。你 / 你們若不清楚某一事項是否重要，請將該事項
the supplementary form(s), whichever is later. If you are in doubt as to whether

填寫於申請書內。若未符合以上要求，該保單可能因此
a fact is material, please disclose it in the application. Failure to comply with
this requirement may render the policy issued voidable.
而作廢。
Claims Procedures
索償程序 For details of the procedures for making claims, please refer to our website at:
有關索償程序，請瀏覽本公司網頁： Hong Kong: [Link]
香港：[Link] Claims-Corner
Individual/Services/Claims-Corner Macau: [Link]
澳門：[Link] Premium Levy (Applicable to Hong Kong only)
Services/Claims-Corner The Insurance Authority (IA) collects levy on insurance premiums from policy
保費徵費（只適用於香港）
holders through the Company for insurance policies issued in Hong Kong. For
保監局會透過保險公司向所有保單持有人，為其於香港
details about the levy, please visit the dedicated IA webpage at [Link]/

繕發之保單，於每次繳付保費時收取徵費。有關徵費之
en/levy.

詳情，請瀏覽保監局網站專頁[Link]/tc/levy。 Cooling-off Period and Right of Cancellation

If you are not satisfied with the policy, you may return it under a signed
保單冷靜期及取消保單的權利 covering letter to us (Hong Kong: 27/F, YF Life Tower, 33 Lockhart Road,
如保單未能滿足你的要求，你可以書面方式要求取消保 Wanchai, Hong Kong / Macau: Avenida Doutor Mario Soares No. 320, Finance
單，連同保單退回本公司（香港: 香港灣仔駱克道33號 and IT Center of Macau, 8 Andar A, Macau) within 21 calendar days after the
萬通保險大廈27樓 / 澳門：澳門蘇亞利斯博士大馬路 delivery of the policy or delivery of the Notice (which states that the policy is
320號澳門財富中心8樓A座），並確保本公司的辦事處 available for collection and the expiry date of the cooling-off period) to you or
於交付保單的21個曆日內，或向你 / 你的代表人交付 your representative, whichever is earlier. We will cancel the policy upon receipt
《通知書》（說明已經可以領取保單和冷靜期屆滿日）後
of your written request and refund all premiums and levy you paid (applicable
起計的21個曆日內（以較早者為準）收到書面要求。於收
to Hong Kong only), without any interest. No refund can be made if a benefit

妥書面要求後，保單將被取消，你將可獲退回已繳保費
payment has been made, is to be made or impending.

金額及你所繳付的徵費（適用於香港），但不包括任何 Maturity and Surrender

利息。若曾獲賠償或將獲得賠償，則不獲發還保費。 You may surrender the policy by submitting a written request on the forms
prepared for such purposes together with a copy of your valid identification
期滿及退保 document and permanent address proof (if applicable). We will arrange the
如需申請退保，你只需填妥、簽署並寄回由本公司提供的 policy surrender.
特定表格，以及你的有效身份證明文件副本及固定住址 Upon policy maturity, we will send a notification letter to you and will arrange
證明（如適用），本公司將安排退保事宜。 policy termination accordingly, upon receipt of your valid identification
document copy.
於保單期滿時，本公司將致函通知你，並會於接獲你的
有效身份證明文件副本後安排保單終止事宜。

16
 「首選健康多重保」一 覽表
PrimeHealth Extra Saver – at a glance

保障項目Benefits

承保116種嚴重疾病: 初期疾病 2 主要嚴重疾病 4 每組別 賠償

Cover 116 Critical Illnesses: 每項疾病保障 每項疾病保障 賠償限額 Max.
Early Stage Major Critical Max. Benefit Aggregate
Illnesses2 Illnesses4 per Group Benefits
Max. Benefit per Illness Max. Benefit per Illness

基本保障額 % of Basic Sum Insured

組別 Group 1 :
癌症 30% 100% 300%
Cancer

組別 Group 2 :
心臟血管疾病 30% 100% 100%
Cardiovascular Diseases

組別 Group 3 :
腦科疾病 / 異常情況 30% / 50%* 100% 100%
Brain Diseases / Disorders 700%
組別 Group 4 :
器官嚴重疾病及衰竭
Organ Critical Illness and
30% 100% 100%
Failure

組別 Group 5 :
其他嚴重疾病 30% 100% 100%
Other Critical Illnesses

第1階段保障：最高賠償為“100%基本保障額 + 非保證「終期紅利」3 ”或
現金價值（以較高者為準)
第2階段保障 4：最高賠償為600%基本保障額
Phase 1 Coverage: Total maximum benefit equal to “100% of the Basic Sum Insured +
Non-guaranteed Terminal Bonus 3” OR Cash Value (whichever is higher)
Phase 2 Coverage 4: Total maximum benefit equal to 600% of the Basic Sum Insured

保費回贈保證（現金價值） 適用於第1階段：保證「100%保費回贈」9 + 非保證「終期紅利」3

Guaranteed Refund of （保單生效滿18年起，於選擇退保時適用）
Premiums (Cash Value) Applicable to Phase 1: Guaranteed “100% Refund of Premiums”9 + Non-guaranteed
“Terminal Bonus”3 (Applicable from the 18th policy anniversary onwards upon policy
surrender)

保費豁免保證 適用於第2階段：豁免餘下繳付保費年期的所需保費
Guaranteed Waiver of Premiums Applicable to Phase 2: Premiums are waived for the remaining premium payment term

身故賠償 適用於第1階段：“100%基本保障額 + 非保證「終期紅利」3 ”或現金價值

Death Benefit （以較高者為準，須扣除任何曾支付的賠償金額）
適用於第1及第2階段：身故現金津貼1,000美元 / 8,000港元 / 澳門元
Phase 1: “100% of the Basic Sum Insured + Non-guaranteed Terminal Bonus 3” OR
Cash Value (whichever is higher, after deduction of any claims paid)
Phase 1 and 2: Compassionate Cash Benefit US$1,000 / HK$ / MOP8,000

17
延續壽險保障 最高可達100%基本保障額（適用於確診患上嚴重疾病而賠償額達100%基本保障
Extension of Life Protection 額的一年後的90日內）
Up to 100% of Basic Sum Insured (Applicable within 90 days following the end of one
year after the diagnosis date of a covered Critical Illness, which results in the total
benefit paid reaching 100% of the Basic Sum Insured)

保單資料 Policy Information

保單類別 基本計劃
Plan Type Basic Plan

保單貨幣單位 香港保單：美元 / 港元
Currency 澳門保單：美元 / 澳門元 / 港元
Policy Issued in Hong Kong: US$ / HK$
Policy Issued in Macau: US$ / MOP / HK$

保費 11 保費並非保證
Premium 11
Premium is non-guaranteed

繳費方式 每年 / 每半年 / 每季 / 每月繳付

Payment Mode Annual / Semi-annual / Quarterly / Monthly Payment

最低基本保障額 基本保障額 Basic Sum Insured：US$15,000美元 / HK$ / MOP120,000港元 / 澳門元

Minimum Basic Sum Insured 或 OR
每年保費 Annual premium：US$200美元 / HK$ / MOP1,600港元 / 澳門元
(兩者取其較高者 whichever is higher)

最高基本保障額 12
US$1,500,000美元 / HK$ / MOP12,000,000港元 / 澳門元
Maximum Basic Sum Insured12

保障類別 非償款產品 — 非實報實銷之危疾保障計劃

Type of Benefit Non-indemnity Product – Non-reimbursable Critical Illness Plan

投保資料 Basic Information

繳付保費年期 11
10年 Years 15年 Years 20年 Years
Premium Payment Term11

投保年齡（以上次生日年齡計算）
0 – 65 0 – 60 0 – 55
Issue Age (At Last Birthday)

保障年期 至100歲
Benefit Term To Age 100

* 適用於需進行手術之腦血管瘤
* Applicable to Cerebral Aneurysm Requiring Surgery

以上為計劃的一般資料，只供參考之用，並非保單的一部份，亦未涵蓋保單的所有條款。有關保障範圍、詳情及條款，
以及不保事項，請參閱保單文件。如有垂詢或欲索取保單文件之範本，歡迎與本公司之顧問、特許分銷商或保險經紀聯
絡。其他查詢請致電客戶服務熱線：香港（852）2533 5555 / 澳門（853）2832 2622。
The above contains general information and is for reference only. It does not form part of the policy and does not contain the
full terms of the policy. Please refer to the policy document for benefit coverage, exact terms and conditions and exclusions.
For enquiries or to obtain a sample policy document, please contact our consultants, franchised agents or brokers. For other
enquiries, please call our Customer Service Hotline: Hong Kong (852) 2533 5555 / Macau (853) 2832 2622.

18
萬通保險國際有限公司為港交所上市公司雲鋒金融集團成員，集團的主要股東包括雲鋒金融控股有限公司以及
「全美5大互惠壽險公司」之一的美國萬通人壽保險公司。憑藉雄厚實力及穩健可靠的背景，我們承諾為客戶提供專業
及科技化的一站式風險及財富管理，以及強積金服務，一起建構非凡未來。
YF Life Insurance International Limited is a member of publicly listed Yunfeng Financial Group Limited, whose major
shareholders include Yunfeng Financial Holdings Limited and Massachusetts Mutual Life Insurance Company,
one of the “Five Largest US Mutual Life Insurance Companies”. Leveraging our robust financial background and
solid reliability, we are committed to creating a brighter future for our customers by providing professional and
technology-enhanced one-stop risk- and wealth-management consulting services, as well as MPF services.

Own the future.

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MKT-090-V5-0122B

註：雲鋒金融控股有限公司及美國萬通人壽保險公司間接持有雲鋒金融集團。
「全美5大互惠壽險公司」乃按2021年6月1日《FORTUNE 500》
公佈的「互惠壽險公司」2020年度收入排名榜計算。
Remarks: Yunfeng Financial Holdings Limited and Massachusetts Mutual Life Insurance Company have an indirect shareholding in
Yunfeng Financial Group Limited. The “Five Largest US Mutual Life Insurance Companies” is ranked according to the results of “Insurance:
Life, Health (Mutual)” on total revenues for 2020, and based on the FORTUNE 500 as published on June 1, 2021.

客戶服務：

萬通保險國際有限公司
香港尖沙咀廣東道9號港威大廈6座12樓1208室
澳門蘇亞利斯博士大馬路320號澳門財富中心8樓A 座
YF Life Insurance International Ltd. Customer Service:
[Link] Suite 1208, 12/F, Tower 6, The Gateway, 9 Canton Road, Tsimshatsui, Hong Kong
Avenida Doutor Mario Soares No. 320, Finance and IT Center of Macau,
8 Andar A, Macau