｜ 醫療 Medical ｜

VIP環球醫療保
VIP Worldwide MediCare
VWM

資本卓越銀行及金融大奬
《iMONEY 智富雜誌》優秀保險企業大獎2019 2012-2023

最佳醫療保障 資本卓越保險服務大奬
Merits of Achievement in
Banking and Finance
 保障遍全球 關護您未來
Own your future with peace of mind – wherever you are

卓越的您追求優質生活，自然注重生活上的每個範疇。
VIP環球醫療保提供最全面的環球優質醫療方案，隨時應您
所需，讓您可即時獲得全面及個人化的醫療服務。無論何時
何地，您亦可安心自若，只因「健康」已掌握在您手。
You appreciate the finer things in life and attach great
importance to quality. VIP Worldwide MediCare is a highly
comprehensive worldwide medical solution that focuses on
and commits to excellence in every respect, ensuring that you
receive world-class medical treatment in a timely and discreet
manner just when you need it most. Wherever you go, you can
have absolute peace of mind because you’ll know that your
health and wellbeing are being taken care of.

1
VIP環球醫療保
VIP Worldwide MediCare

全面醫療保障高達 無索償獎賞
1 $70,000,000 4 No Claim Bonus
Full Medical Coverage
up to $70,000,000 ■ 最高可達10%
Up to 10%
■ 適用於標準私家病房
Applicable to standard private room

設每年墊底費
一系列更強保障 5 配合預算
2 Full Range of Annual Deductible for
Flexible Budgeting
Extended Coverage
4 款選擇：每年 0 / 15,000 / 30,000 / 60,000
非 手術癌症治療、洗腎、物理治療及手術後家
■

港元/澳門元
■

中看護等
4 Options: HK$/MOP 0 / 15,000 / 30,000 /
Non-surgical cancer treatments, Renal
60,000
dialysis, Physiotherapy and Post-surgery home
nursing, etc.

保證終身續保
3 Guaranteed Renewals
for Life
■ 終身保障至100歲
Whole life protection up to age 100

2
 全面醫療保障高達$70,000,000
1 Full Coverage up to $70,000,000

VIP環球醫療保為您提供標準私家病房的優質 VIP Worldwide MediCare provides quality medical services

醫療保障，全數賠償因患病或意外受傷而需入 in standard private room with full reimbursement of the major

院治療的各項主要住院費用及手術費用，終身
hospitalization and surgical expenses incurred due to illness or

保障額高達70,000,000港元/澳門元。
accident. Under the plan, you can enjoy lifetime cover of up to
HK$ / MOP70,000,000.

一系列更強保障
2 Full Range of Extended Coverage

計劃更提供多項入院前及出院後的延伸保障， The plan offers a wide range of extended pre- and post-
於康復路上為您提供更強照顧： hospitalization benefits, providing you with enhanced protection

非 手術癌症治療：化療、電療、標靶治療、荷爾
throughout your recovery journey:
■

蒙治療、免疫治療及質子重離子療法
■  on-surgical cancer treatments: Chemotherapy, Radiotherapy,
N
Target Therapy, Hormonal Therapy, Immunotherapy and Proton
■ 洗腎 Beam Therapy
■ 輔 助治療：物理治療、言語治療、脊骨神經 Renal dialysis
治療、職業治療及中醫治療
■

 ncillary treatments: physiotherapy, speech therapy, chiropractic

A
手術後家中看護
■
■
treatment, occupational therapy and Chinese medical treatment
■ 入院前及出院後門診 ■ Post-surgery home nursing
■ Pre- and post- hospitalization outpatient treatment

保證終身續保
3 Guaranteed Renewals for Life

無論您的健康狀況或索償紀錄如何，VIP環球醫 VIP Worldwide MediCare guarantees annual renewal up to age 100

療保為您提供每年續保保證，保障年期最長可 regardless of your health condition or claim records, allowing you to

達至受保人100歲，讓您無後顧之憂。續期保費
enjoy total peace of mind. Renewal premium will be adjusted based

會於每年續期時根據受保人當時實際年齡及當
on the Insured’s attained age and to the premium rate in effect for the
same level of benefit at the time of policy renewal.
時同類保障級別的保費率計算。

3
 無索償獎賞
4 No Claim Bonus

只要在續保時保單已於本公司從不間斷地連續 Provided that the policy has been in force for at least three
生效達三個保單年或以上，以及期間並無就基 consecutive policy years and no claims were made under the Basic

本計劃有任何索償紀錄，於支付續期保費時，
Plan, you will be entitled to a No Claim Bonus discount upon paying

即可獲享無索償獎賞折扣優惠，優惠金額會按
the renewal policy premium. The discount is based on a percentage of
the annual premium of the Basic Plan for the preceding year, up to a
上一個保單年基本計劃的「每年保費」的百分比 maximum of 10%.
計算，最高可達10%。

連續生效及無索償保單年期
無索償獎賞折扣率
Consecutive years of policy in force
No Claim Bonus Rate
and without claims
3 3%
4 6%
≥5 10%

設每年墊底費 配合預算
5 Annual Deductible for Flexible Budgeting

無論您正考慮投保一份全新住院保障計劃，又 No matter whether you are planning to take out a new hospital plan or
或想就現有住院計劃加添保障，VIP環球醫療保 top up your existing plan, VIP Worldwide MediCare is the ideal solution.

都能靈活配合您的需要。計劃提供4款每年墊底
The plan offers four Annual Deductible options to suit your needs: the

費金額以供選擇，墊底費越高，保費便越相宜：
higher the deductible, the lower the premium.
HK$ / MOP 0
0港元 / 澳門元
■
■
HK$ / MOP 15,000
15,000港元 / 澳門元
■
■
HK$ / MOP 30,000
30,000港元 / 澳門元
■

■
■ HK$ / MOP 60,000
■ 60,000港元 / 澳門元 You may change to a lower Annual Deductible before the policy
您更可於年滿50、55、60或65歲的保單週年日1，
anniversaries on or after your 50th, 55th, 60th or 65th birthday1 without

選擇將每年墊底費金額調低而無須再次提交健康
having to submit any satisfactory proof of insurability. The premium
thereafter will be adjusted according to the Annual Deductible
申報，隨後的保費將按所選的每年墊底費金額作 selected.
出調整。

如患上任何指定的嚴重疾病 2而需入院接受治療，您將可獲豁免扣減每年墊底費金額
The Annual Deductible will be waived if you are hospitalized due to any designated
critical illnesses2

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 附註 Notes

1. 
須於50、55、60或65歲生日後的保單週年前，遞交
1.  equest for reduction of the Annual Deductible must be submitted in
R
書面要求行使減低每年墊底費權益。減低每年墊底
writing before the policy anniversary on or immediately following the 50 th,
55th, 60 th or 65th birthday of the Insured. This option can be exercised once
費權益只可行使一次並不可撤銷。新的每年墊底費 only and is irrevocable. Claims in respect of a Disability occurring after
將適用於每年墊底費減低後發生的傷病所作出之索 reduction of the Annual Deductible shall be subject to the reduced Annual
償。 Deductible.
2. 指定嚴重疾病包括非初期癌症、心肌病、慢性肝衰竭、 2. D
 esignated critical illnesses include Later-stage Cancer, Cardiomyopathy,
慢性肺病、冠狀動脈（迴接）手術、暴發性病毒性肝炎、
Chronic Liver Failure, Chronic Lung Disease, Coronary Artery Bypass

心臟病、心瓣置換、腎衰竭、主要器官移植、柏金遜病、
Surgery, Fulminant Viral Hepatitis, Heart Attack, Heart Valve Replacement,
Kidney Failure, Major Organ Transplantation, Parkinson’s Disease,
肺動脈高血壓、類風濕性關節炎、中風、主要動脈手術 Pulmonary Arterial Hypertension, Rheumatoid Arthritis, Stroke, Surgery to
及末期病症。 Aorta and Terminal Illness.
3. 「醫院」指包括具備提供主要手術服務設施及全職醫 3. “ Hospital” refers to an entity which provides facilities for major surgery
護服務的醫院。所有主要為提供復康、護理及休養的
and full-time nursing service and is not primarily a convalescent or

院舍、安老院、用作戒酒或戒毒或任何類似用途的地
nursing home, rest home, home for the aged, a place for rehabilitation for
alcoholics or drug addicts, or for any similar purpose.
方，均不會被當作「醫院」
。 4. A
 pplicable to treatment and surgical procedures that are Medically Necessary.
4. 須為醫療上必須的治療及手術，賠償金額須符合「合 Reimbursement will be made on a “Reasonable and Customary” basis, i.e., the
理及慣常」的收費，即 不 超 過 當 地 的 一 般 標 準 收 費 charge does not exceed the general level of charges in the locality.
水平。 5. Subject to one extra bed.
5. 以一張額外床位為限。 6. N
 ursing services provided by a Qualified Nurse following surgery or the
Insured’s discharge from Intensive Care Unit and while the Insured is still
6. 由主診醫生建議並由醫院安排，於醫院住院接受手術 Confined in Hospital. It must be recommended by the Insured’s attending
後或被調出深切治療部後的住院期間，由一位合資格 Doctor and arranged by the Hospital.
護士提供的護理服務。 7. The Company reserves the right to determine the eligibility of a clinic.
7. 本公司保留決定合資格診所的權利。 8. Applicable
 to the charges actually incurred in connection with the
8. 適用於受保人在醫院住院或進行門診手術前31日內
Insured’s consultation with a Doctor on an outpatient basis (subject to one
visit per day) within 31 days preceding the Insured’s Hospital Confinement
就同一傷病所進行的門診，以每日一次為限。 or the outpatient surgical procedures.
9. 適用於受保人於醫院出院或進行門診手術後的60日 9.  pplicable to the charges in connection with the Insured’s consultation
A
內就同一傷病所進行的門診，以每日一次為限。 with a Doctor in respect of the same Disability on an outpatient basis
10. 由 主診醫生建議，於醫院住院接受手術後或入住深切
(subject to one visit per day) within 60 days following the discharge from
Hospital or the outpatient surgical procedures performed.
治療部後起計60日內，在家中接受由一位合資格護士
提供的護理服務。
10. N
 ursing services provided by a Qualified Nurse at home within 60
days immediately after the Insured’s discharge from the Hospital
11. 由 主診醫生建議，並只適用於受保人出院或進行門診 following surgery or admission to the Intensive Care Unit and upon the
手術後的90日內就同一傷病所進行的輔助服務，以每 recommendation by the Insured’s attending Doctor.
日一次為限。 11. A
 pplicable to any treatment performed on the Insured (subject to one visit
per day) for the same Disability for which the Insured has been Confined
12. 經 註冊醫生診斷，受保人因患病以致其壽命很可能不 in Hospital or undergone outpatient surgical procedures, and which takes
會多於12個月，因而入住註冊善終院舍。此項保障只 place within 90 days immediately after the Insured’s discharge or the
限支付一次。 surgery and upon the recommendation by the Insured’s attending Doctor.
13. 只 適用於保單持續生效五年後首次發生該等病徵或 12. T
 his benefit will be paid if the Insured stays in a registered hospice
病狀的疾病。此項保障只限支付一次。
following a diagnosis, in the opinion of a Doctor, is highly likely to lead to
the Insured’s death within 12 months of such diagnosis. This benefit is only
14. 受 保障之妊娠併發症只包括異位妊娠、葡萄胎妊娠、播 payable once.
散性血管內之凝血機制障礙、先兆子癇、流產、先兆流 13. A
 pplicable only if the signs or symptoms of the illness first occur after the
產、醫療需要之人工流產、胎兒夭折、因產後出血切除 policy has been effective for five years continuously. This benefit is only
子宮、子癇、羊水栓塞及妊娠肺栓塞。妊娠併發症之確 payable once.
診日期必須為保障生效日期或批准保單復效日期（以 14. T
 he covered pregnancy complications shall only be restricted to ectopic
較後者為準）起計持續生效300日後。 pregnancy, molar pregnancy, disseminated intravascular coagulopathy,
pre-eclampsia, miscarriage, threatened abortion, medically prescribed
15. 適 用於受保人因意外而受傷24小時內於醫院門診部 induced abortion, foetal death, postpartum hemorrhage requiring
進行的門診治療。 hysterectomy, eclampsia, amniotic fluid embolism and pulmonary
16. 緊 急牙齒治療適用於受保人於意外發生後兩星期內，
embolism of pregnancy. The date of diagnosis of the covered pregnancy

於註冊牙醫診所或醫院內接受為意外前屬健全自然
complications must be after the policy has been effective continuously
for 300 days since Effective Date of Coverage or approval date of
牙齒作出的緊急治療（包括咨詢、止血、X-光、拔牙及 reinstatement, whichever is later.
根管治療）。此項保障不會就任何恢復和補救工作、任 15. A
 pplicable if the Insured sustains an Injury due to accident and receives
何貴金屬的使用及矯正治療作出賠償，並且不保障任 outpatient treatment in the outpatient department of a Hospital within 24
何由飲食引致的受傷、由正常磨損引致的損壞或由擦 hours.
牙或任何其他口腔衛生護理程序引致的損壞。 16. A
 pplicable if the Insured sustains Injury as a result of an accident and
17. 每 年保障總額及最高終身保障總額適用於自選附加
receives emergency treatment within 2 weeks of the accident, which is
necessitated to tooth / teeth which was healthy natural right before the
保障（如有）。 accident. This benefit will be paid for dental treatment performed in a
18. 如 要附加牙科保障，必須先投保門診保障。牙科治療 legally registered dental clinic or Hospital including consultation, staunch
之日期必須為牙科保障生效日期或批准保單復效日期
bleeding, x-ray, tooth extraction and root canal work. This benefit shall
（以較後者為準）起計持續生效180日後。
not pay for any restorative treatment, the use of any precious metals and
orthodontic treatment. It shall not cover any treatment for Injury caused
by eating or drinking, damage caused by normal wear and tear, or damage
caused by tooth brushing or any other oral hygiene procedure.
17. T
 he Annual Limit and the Maximum Lifetime Limit of the Policy are
applicable to the Optional Supplementary Benefit(s) (if any).
18. O
 utpatient Benefit is a pre-requisite for attaching Dental Benefit. The date
of dental treatment must be incurred after the policy has been effective
continuously for 180 days since the effective date of the Dental Benefit, or
5 approval date of reinstatement, whichever is later.
重要資料 Important Information
繳付保費年期及保障年期
Premium Payment Term and Benefit Term
繳付保費年期及保障年期最長可至受保人100歲（「牙科
The premium payment term and the benefit term are up to age 100 of the
保障」除外，其繳付保費年期及保障年期最長可至受保
Insured (except for the Dental Benefit where the premium payment term and

人75歲）。如在保費到期日起計31日寬限期屆滿前仍未
benefit term are up to age 75 of the Insured). If the premium is not paid before
the end of the 31-day Grace Period from the premium due date, all coverage
繳付保費，保單的所有保障將會終止。 under the policy will be terminated.
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
• 當
 接受住院 / 治療 / 手術而作出賠償後，在總保障賠 • Upon the Confinement / treatment / surgery resulting in the total benefit
償已達最高終身保障總額後
payment reaches the Maximum Lifetime Limit

除了上述保單終止的情況外，「門診保障」亦會在所屬
Besides the above conditions for policy termination, the Outpatient Benefit
之「VIP環球醫療保」的保單終止時被終止，而「牙科保
will also be terminated when the VIP Worldwide MediCare policy to which this

障」亦會在「門診保障」終止時被終止。
Supplementary Benefit is attached terminates, while the Dental Benefit will
also be terminated when the Outpatient Benefit terminates.
若任何遞交之索償帶有欺詐成份，萬通保險國際有限公 If any claim made shall be fraudulent, YF Life Insurance International Ltd.
司（「萬通保險」）有權即時終止本保單，而閣下將須要 (“YF Life”) shall have the right to terminate this policy immediately and you
向萬通保險賠償並償還就該帶有欺詐成份之索償所有 shall indemnify YF Life and repay all benefits paid in respect of such fraudulent
已獲支付的保障。在任何該等情況下，萬通保險亦有權 claim. YF Life shall have the right to recover from you any cost in relation to
向閣下追討就任何與該終止及帶有欺詐成份之索償相關 such termination and such fraudulent claim.
之損失。 Benefit and Premium Adjustment
保障及保費調整 Subject to the continual availability of this medical plan, the policy is
視乎我們是否持續提供本醫療計劃，如接獲所需保費 guaranteed to be renewed at each policy anniversary for another one year
（根據受保人當時實際年齡及當時同類保障級別的保費
upon receipt of the payment of the required premium (based on the attained
率計算），保單會於每個保單週年保證獲續期一年。為配
age of the Insured and at the premium rate in effect of the same level of
合醫療科技的進步及確保能持續為你提供保障，在每次
benefit at the time of renewal). In order to keep pace with the medical

續期時，萬通保險保留更改保障內容及保費之權利，並
advancement and to provide you with continuous protection, YF Life reserves
the right to change the benefit and premium on each renewal, and notifies you
會於每個保單週年日不少於30日前以書面通知你有關更 the related changes by giving you a written notice no less than 30 days prior to
改。保費會因應某些因素而作出調整，這些因素包括但 each policy anniversary. The major factors to consider for premium adjustment
不限於萬通保險過去的索償紀錄、開支、醫療通脹、醫 include, but not limited to, the claim experience of YF Life, expenses, medical
療趨勢，以及 / 或因修定保障架構 / 保障級別（如有）而 inflation, medical trend and / or revised benefit structure / level of benefits (if
影響預期未來的索償成本。 any) which might impact the expected claim costs in the future.

有關本計劃過往保費增長率資料，請瀏覽本公司網頁： For relevant historical premium increases rates of this plan, please visit our
website:
香港：
[Link]
Hong Kong:

Individual/Services/Useful-Information/
[Link]
Historical-Premium-Increase-Rates
Useful-Information/Historical-Premium-Increase-Rates

澳門：
[Link]
Macau:

Individual/Services/Useful-Information/
[Link]
Historical-Premium-Increase-Rates
Information/Historical-Premium-Increase-Rates

計劃之持續性 Continuity of the Plan

續保情況將根據萬通保險是否仍然為所有現有保單繼續 Policy renewal is based on the continuing availability of the plan to all existing
提供該計劃而定。若萬通保險決定不再向所有已投保此 policies. If YF Life decides to no longer offer the plan to all policy owners
計劃的保單持有人提供本計劃，萬通保險會盡力為受保
already enrolled, we will endeavor to enroll the Insured in another medical plan
人投保另一個當時可提供的醫療保障計劃。
available at that time.

通脹風險
Inflation Risk
將來的醫療費用有機會因通脹而較現時的費用高。因
Medical costs in the future are likely to be higher than they are today due to

此，保費率及 / 或保障的級別可能會不時作出調整。此
inflation. As a result, the premium rates and / or the benefit levels may be
reviewed from time to time, and the policy owner might receive less in real
外，即使萬通保險按保單條款履行合約義務，保單持有 terms even if YF Life meets all of its contractual obligations.
人獲得的金額的實質價值可能較少。
Credit Risk
信貸風險 This plan is underwritten by YF Life. The insurance benefits are held solely
本計劃由萬通保險承保及負責，保單持有人的保單權益 responsible by YF Life and subject to its credit risk.
會受其信貸風險所影響。 Ward Type
房間級別 If the Insured’s Confinement is of a class upper than Standard Private Room,
若受保人於住院的任何一天入住的房間級別高於標準私 whether voluntarily or involuntarily, YF Life shall reduce the eligible medical
家房（不論自願與否），萬通保險將減低該等住院期間的
expenses incurred during such period of Confinement to 25% of the benefit
合資格之醫療費用至百分之二十五。
payable.

6
 地域保障 Geographical Restrictions
適用於保障地區為全球（美國除外） For the Area of Cover being Worldwide (excluding USA)
1. 住 院保障、手術保障、住院前及出院後之保障、延伸 1. Benefits payable under Hospitalization Benefits, Surgical Benefits,
保障及「門診保障」 （如適用）只就以下作出賠償： Pre- and Post-Hospitalization Benefits, Extended Benefits and the
i. 任何於美國以外之住院、入住註冊善終院舍、進
Outpatient Benefit (if applicable) are payable only for
行之手術、醫療程序 / 醫療及 / 或服務；及
i. any Confinement, stay in registered hospice, surgery, medical
ii. 任何於受保人旅途中因疾病引致之急症或意外引
procedures / treatment and / or service which takes place or is
致的受傷而須於世界各地進行醫療上必須的緊急
performed outside the United States; and
ii. any Medically Necessary emergency treatment anywhere in the world
治療，而受保人於事發前365日內於該事發地點 for an Emergent Condition caused by Sickness or an Injury due to
居住少於183日。 accident of the Insured during the trip of the Insured, given the Insured
2. 全 球緊急治療保障內之緊急門診治療保障及緊急牙 resided in the place of such incident for less than 183 days in the past
齒治療保障將就受保人於世界各地因合資格意外接 365 days from the date of incident.
受的緊急治療作出賠償。 2. Benefits payable under Emergency Outpatient Treatment Benefit and
3. 「牙科保障」 （如適用）內之保障將就受保人於世界各 Emergency Dental Benefit of Worldwide Emergency Treatment are payable
地合資格的治療作出賠償。 for covered accident for emergency treatment provided to the Insured
anywhere in the world.
保障的限制 3. Benefits under the Dental Benefit (if applicable) are payable for covered
適用於保障地區為全球 treatment provided to the Insured anywhere in the world.
如以下情況發生，合資格之醫療費用將被減低至百分之
五十：
Benefit Restrictions

1. 受 保人在美國住院、入住註冊善終院舍、進行之手
For the Area of Cover being Worldwide
The eligible medical expenses incurred will be reduced to 50% of the benefit
術、醫療程序 / 醫療及 / 或服務時，於過去365日已 payable if:
於美國居住達183日或以上；及 / 或 1. The Insured has taken up residence in the United States for at least
2. 受 保人於美國之任何住院或在醫院日症房或在診所 183 days in the past 365 days at the time of any Confinement, stay in
接受手術並沒有獲萬通保險預先批核（因意外或緊 registered hospice, surgery, medical procedures / treatment and / or
急事故直接引致則除外）。 service which takes place or is performed in the United States; and / or
2. The Insured is under Confinement or undergoes surgical procedures
若發生以上情況 1 及 / 或 情況 2，而受保人同時於住院 performed in the day case unit of a hospital or in a clinic in the United
的任何一天入住的房間級別高於標準私家房（不論自願 States without obtaining our pre-authorization unless it is directly due to
與否），我們將減低該等住院期間的合資格之醫療費用 accident or emergency.
至百分之十二點五。
If the above condition 1 and / or 2 occur(s), and at the same time, the Insured’s
更改保障地區的權利 Confinement is of a class upper than Standard Private Room, whether
適用於保障地區為全球 voluntarily or involuntarily, we shall reduce the eligible medical expenses
若受保人於過去365日已於美國居住達183日或以上，萬 incurred during such period of Confinement to 12.5% of the benefit payable.
通保險保留絕對權利於任何時間將保障地區由全球更改 Revision of Area of Cover
為全球（美國除外）。 For the Area of Cover being Worldwide
等候期
We reserve the absolute right to change the Area of Cover from Worldwide to
指定項目的保障會於以下日期生效：
Worldwide (excluding USA) at any time if the Insured has taken up residence in
the United States for at least 183 days in the past 365 days.
項目 生效日期 Waiting Period
（由保障生效日期起計） Coverage for specific items will be effective on the following dates:
意外受傷 即時 Items Effective Date
疾病 30日 (after the Effective Date of Coverage)
扁桃腺、增殖腺、疝氣的 120日
治療或手術
Accidental injury Immediately

自選牙科保障 180日（適用於並非因受
Sickness 30 days

傷而導致的牙科治療） Treatment or surgery for tonsils, 120 days

妊娠併發症保障 300日 adenoids, hernia
包皮環截術而住院 2年（或受保人十二歲的生 Optional dental benefit 180 days (For dental treatments not
日，取其較早者） resulted from an Injury)
人類免疫力缺乏病毒 / 5年 Pregnancy Complications Benefit 300 days
愛滋病治療保障
Confinement for Circumcision 2 years (or on the Insured‘s 12 th
醫療上必須的 birthday, whichever is earlier)
萬通保險會為受保人醫療上必須的醫療開支作出賠償。 HIV/AIDS Treatment Benefit 5 years
醫療上必須的指符合以下所有情況： Medically Necessary
i. 因應診斷結果而施行於本保單的簽發地區之一般慣 YF Life will cover the Medically Necessary expenses incurred by the Insured.
常使用的醫治方法。
ii. 根據於本保單的簽發地區既定之良好醫療守則。 Medically Necessary means all of the following conditions are met:
iii. 並非就受保人或醫生之方便而進行。
i. consistent with the diagnosis and customary medical treatment for the
condition in the Place of Issuance of this policy.
ii. in accordance with standards of good medical practice in the Place of
Issuance of this policy.
iii. not for the convenience of the Insured and / or the doctor.

7
合理及慣常的收費 Reasonable and Customary Charges
指不超過由當地具有類似地位的醫療服務機構於當地 This means a charge for medical care which does not exceed the general level
就相類同的疾病或受傷，為相同年齡和性別人士提供治 of charges being made by medical service providers of similar standing in the
療、醫療服務或供應品之一般標準收費。合理及慣常的
locality where the charge is incurred for similar treatment, services or supplies
收費於任何情況下不得超過實際收費。萬通保險可參考
to individuals of the same gender and age, for a similar disease or injury. The
以下情況（如適用）決定有關醫療費用是否為「合理及慣
“Reasonable and Customary” charges shall not in any event exceed the actual

常的收費」：
charges incurred. In determining whether an expense is “Reasonable and
Customary”, YF Life may make reference to the followings (if applicable):
i. 由當地政府憲報就其公立醫院為私家病人提供醫療 i. the gazette issued by the local government which sets out the fees for the
服務所定的收費； private patient services in public hospitals;
ii. 醫療行業的收費調查； ii. industrial medical fee survey;
iii. 內部保險賠償統計數據； iii. internal claim statistics;
iv. 受保保障程度或水平；及 / 或 iv. extent or level of benefit insured; and / or
v. 其他相關的參考資料。 v. other pertinent source of reference.

如萬通保險之公司醫生認為任何醫院 / 醫療費用並非合 YF Life reserves the right to adjust any or all benefits payable in relation to
理及慣常的收費，萬通保險保留權利調整部份或全部賠 any hospital / medical charges which in the opinion of YF Life’s doctor is not a
償金額。
Reasonable and Customary charge.

主要不保事項
Key Exclusions
受保人若在保單日期起計一年內自殺，無論其是否在神
If the Insured commits suicide, whether sane or insane, within one year from

智清醒的情況下，將不獲支付任何身故保障賠償。
the Policy Date, no Death Benefit will be payable.
For VIP Worldwide MediCare
適用於VIP環球醫療保 This Policy does not pay any benefit claims (except for Death Benefit) caused
因以下一種或多種情況而直接或間接引致的索償（身故 directly or indirectly resulting from the following:
保障除外）將不獲賠償： (1) Claims due to Sickness occurring within 30 days of the Effective Date of
(1) 在保障生效日起計30日內患上的疾病； Coverage;
(2) 保障生效日期前已存在傷病的情況（包括受保人已察 (2) Pre-existing conditions (which presented signs or symptoms of which the
覺或在一般情況下應可察覺的有關病徵或病狀）； Insured has been aware or should reasonably have been aware);
(3) 一般身體檢查、普查及 / 或預防性護理或檢驗、基 (3) General check-up, screening and / or preventive care / checking, genetic
因測試或遺傳諮詢輔導、接種及疫苗注射、病後復
testing or counselling, vaccination / immunization, convalescence,
康、托管、療養或休養；
custodial or sanatorium care or rest care;
(4) 美容或整形外科手術（矯形手術保障除外）；眼球
(4) Cosmetic or plastic surgery, except for Reconstructive Surgery Benefit;
的折射毛病；有關扁桃腺、增殖腺、疝氣的治療或手
refractive errors of the eyes; treatment or surgery for tonsils, adenoids,
hernia (which occurred within 120 days after the Effective Date of
術（除非保單已生效達120日），購買或使用的醫療 Coverage); procurement or use of medical appliances and medical devices
輔助器具及裝置（除非該醫療輔助器具及裝置包括 (unless such medical appliances and medical devices are covered by
於手術保障內之醫療裝置）； Medical Appliances under Surgical Benefit);
(5) 牙科護理或手術（緊急牙齒治療保障除外）； (5) Dental care or surgery (except for Emergency Dental Benefit);
(6) 因懷孕、墮胎、生育或小產及其他由上述情況引致 (6) Pregnancy, abortion, childbirth or miscarriage, and other complications
的併發症（妊娠併發症保障除外）；於受保人十七歲 arising therefrom, except for Pregnancy Complications Benefit; congenital
生日前出現病徵或病狀、或已確診的先天性畸形或 deformities or anomalies which present signs or symptoms, or are
反常、絕育或不育（任何性別）及直接或間接與變性 diagnosed, before the Insured attains 17 years of age, sterilization or
手術有關之治療；
infertility of either gender, treatment directly or indirectly related to a
(7) 醫療實驗及 / 或非主流醫療技術 / 程序 / 治療；
gender change;
(8) 精神紊亂、心理或精神疾病、行為問題或人格障礙，
(7) Experimental and / or unconventional medical technology / procedure /

精神疾病治療保障除外；
therapy;
(8) Mental disorder, psychological or psychiatric conditions, behavioral
(9) 睡眠疾病（除非由專科醫生確認是危及生命的睡眠 problems or personality disorders, except for Psychiatric Treatment
窒息症治療）； Benefit;
(10) 治 療過度肥胖、控制體重計劃或減肥手術（除非由 (9) Sleep disorders except for the treatment of sleep apnoea which is life
專科醫生於傳統治療方法失敗後確認是必須的減肥 threatening as confirmed by a specialist Doctor;
手術）； (10) Treatment of obesity, weight control programs or bariatric surgery (except
(11) 作 為器官捐贈者捐贈器官、有關於尋找及採購替換 when bariatric surgery is necessary as confirmed by a specialist Doctor
器官而須支付的移植服務費用、所有相關的運輸費 after failure of conventional treatments);
用及行政費用； (11) Organ donation as the Organ Donor, transplant service for which the cost
(12) 自 殺或在神智不清醒的狀況下受傷；自殘、毒癮或
incurred in connection with identifying and procuring a replacement
酒癮；
organ and all associated transportation costs and administrative costs;
(13) 受 保人進行水肺潛水、參加任何非徒步進行的比
(12) Suicide, attempted suicide or injuries due to insanity, self-infliction; drug

賽、輔以繩索或由嚮導帶領的攀山活動；
addiction or alcoholism;
(13) Scuba diving or engaging in or taking part in race other than on foot,
(14) 由 戰爭或叛亂、民間騷動或參與任何非法行為引 mountaineering involving the use of ropes or guides by the Insured;
致；核子武器物料、核子燃料所導致的輻射或電離 (14) Acts of war, riot, civil commotion, participating in any illegal activity;
子擴散污染，除非是由恐怖主義行為引致及當受保 waste nuclear weapons material, ionizing radiation or contamination by
人於海外的旅程中發生； radioactivity from any nuclear fuel, except it is caused by terrorist act and
(15) 只 為物理治療及 / 或為病徵及 / 或病狀而進行之診 occurs while the Insured is travelling overseas;
斷影像、化驗室檢查或其他診斷程序之住院； (15) Hospital Confinement primarily for physiotherapy and / or for the
(16) 人 體免疫能力缺乏病毒（包括愛滋病），除非符合 investigation of signs and / or symptoms with diagnostic imaging,
「人類免疫力缺乏病毒 / 愛滋病治療保障」的情況； laboratory investigation or other diagnostic procedures;
(17) 受 保人在12歲前及保單日期後2年內因接受包皮環
(16) Human Immunodeficiency Virus (HIV) Infection (including AIDS), unless
截術而住院；
meeting the requirement for the HIV / AIDS Treatment Benefit;
(18) 傳 統中藥（輔助服務下由中醫師所處方的藥物除
(17) The Insured is hospitalized for Circumcision before the age of 12 and such

外），包括：姬松茸、 羚羊角尖粉、鹿茸、冬蟲夏草、
hospitalization occurs within 2 years of the Effective Date of Coverage;
(18) Traditional Chinese medicines, except for medicines prescribed by
燕窩、花膠、靈芝、各種人參、海馬、麝香、珍珠粉及 a Chinese Medicine Practitioner under Ancillary Services, including:
紫河車； agaricus blazei murill, antelope horn powder, antler, cordyceps, cubilose,
donkey-hide gelatin, ganoderma, all kinds of ginseng, hippocampus,
moschus, pearl powder and placenta hominis;

8
 (19) 於 住院時受保人沒有接受積極治療；或受保人於醫 (19) No active treatment is performed on the Insured during Hospital
院接受超過連續180日的治療而維持持續性意識障 Confinement; or the Insured is in state of continuous disorder of
礙的狀態超過60日； consciousness for more than 60 days during Hospital Confinement whilst
(20) 根據政府條例或其他保險計劃而獲得賠償的情況。 staying in Hospital for more than 180 consecutive days;
(20) E xpenses for which compensation is payable under any government law
適用於「門診保障」 or any other insurance policy.
除第(3)及(8)項受保於本附加保障的接種疫苗及健康檢
查保障及精神疾病治療保障的情況外，以上 VIP環球醫
For Outpatient Benefit

療保 的不保事項各項目亦適用於「門診保障」。
The exclusions of the above points for VIP Worldwide MediCare also apply
to Outpatient Benefit except points no. 3 and 8 to the extent where such
適用於「牙科保障」 occurrence is covered under Vaccinations and Health Checkup Benefit and
本附加保障不會保障在本附加保障的生效日期起計180
Psychiatric Treatment Benefit of this Supplementary Benefit.
日內非因受傷而導致的牙科治療。 For Dental Benefit
除第(5)項受保於本附加保障的情況外，以上 VIP環球醫
This Supplementary Benefit does not cover dental treatments occurring within

療保 的不保事項各項目亦適用於「牙科保障」。
180 days of the Effective Date of this Supplementary Benefit if the dental
treatments are not resulted from an Injury.
提供資料責任及未符合這要求的後果 The exclusions of the above points for VIP Worldwide MediCare also apply
在投保時，你 / 你們必須提供一切知悉或據常理知悉的 to Dental Benefit except point no. 5 to the extent where such occurrence is
資料，因萬通保險會按照所提供的資料評核接受投保及 covered under this Supplementary Benefit.
決定保險條款。提供資料的責任將會在投保申請表的簽
署日期或任何補充文件的簽署日期（以較後日期為準）
Duty of Disclosure and the Consequences of Not Making Full Disclosure
完成。你 / 你們若不清楚某一事項是否重要，請將該事
You are required to disclose in the application all information you know or

項填寫於申請書內。若未符合以上要求，該保單可能因
could reasonably be expected to know because YF Life will rely on what
you have disclosed in this application to accept the risk and the terms of
此而作廢。 insurance. Your duty of disclosure ends on the signing date of application or
索償程序
the supplementary form(s), whichever is later. If you are in doubt as to whether
有關索償程序，請瀏覽本公司網頁：
a fact is material, please disclose it in the application. Failure to comply with

香港：[Link]
this requirement may render the policy issued voidable.

Individual/Services/Claims-Corner Claims Procedures

澳門：[Link]
For details of the procedures for making claims, please refer to our website at:
Hong Kong: [Link]
Services/Claims-Corner
Claims-Corner
保費徵費（只適用於香港）
Macau: [Link]
保監局會透過保險公司向所有保單持有人，為其於香港 Premium Levy (Applicable to Hong Kong only)
繕發之保單，於每次繳付保費時收取徵費。有關徵費之 The Insurance Authority (IA) imposes a levy on insurance premiums from policy
詳情，請瀏覽保監局網站專頁[Link]/tc/levy。 for all new and in-force insurance policies issued in Hong Kong. For details about
the levy, please visit the dedicated IA webpage at [Link]/en/levy.
保單冷靜期及取消保單的權利
如保單未能滿足你的要求，你可以書面方式要求取消保 Cooling-off Period and Right of Cancellation
單，連同保單退回本公司（香港：香港灣仔駱克道33號 If you are not satisfied with the policy, you may return it under a signed
萬通保險大廈27樓 / 澳門：澳門蘇亞利斯博士大馬路
covering letter to us (Hong Kong: 27/F, YF Life Tower, 33 Lockhart Road,
320號澳門財富中心8樓A座） ，並確保本公司的辦事處於
Wanchai, Hong Kong / Macau: Avenida Doutor Mario Soares No. 320, Finance
交付保單的21個曆日內，或向你 / 你的代表人交付《通
and IT Center of Macau, 8 Andar A, Macau) within 21 calendar days after the
知書》 （說明已經可以領取保單和冷靜期屆滿日）後起計
delivery of the policy or delivery of the Notice (which states that the policy is
available for collection and the expiry date of the cooling-off period) to you or
的21個曆日內（以較早者為準）收到書面要求。於收妥書 your representative, whichever is earlier. We will cancel the policy upon receipt
面要求後，保單將被取消，你將可獲退回已繳保費金額 of your written request and refund all premiums and levy you paid (applicable
及你所繳付的徵費（適用於香港） ，但不包括任何利息。若 to Hong Kong only), without any interest. No refund can be made if a benefit
曾獲賠償或將獲得賠償，則不獲發還保費。 payment has been made, is to be made or impending.

退保 Surrender
如需申請退保，你只需填妥、簽署並寄回由本公司提供的 You may surrender the policy by submitting a written request on the forms
特定表格，以及你的有效身份證明文件副本及固定住址 prepared for such purposes together with a copy of your valid identification
證明（如適用），本公司將安排退保事宜。 document and permanent address proof (if applicable). We will arrange the
policy surrender.

9
「VIP環球醫療保」一覽表
VIP Worldwide MediCare – at a glance

表一：主要保障
Table 1: Core Benefits (港元 / 澳門元 HK$/MOP)

計劃 Plan 1 計劃 Plan 2
保障地區 全球 全球（美國除外）
Area of Cover Worldwide Worldwide (excluding USA)

保障 Benefits 保障限額 Benefit Limits

終身保障總額
（適用於第1至30項及附加保障）
Lifetime Limit 70,000,000
(Applicable to items 1 to 30 and
Supplementary Benefits)

毎年保障總額
（適用於第1至30項及附加保障）
Annual Limit 25,000,000
(Applicable to items 1 to 30 and
Supplementary Benefits)

每年墊底費
（不適用於第8、9、16、31項及附加保障）
Annual Deductible Amount 0 / 15,000 / 30,000 / 60,000
(Not applicable to items 8, 9, 16, 31 and
Supplementary Benefits)

住院病房級別 標準私家病房
Ward Type Standard private room

I. 住院保障 3 Hospitalization Benefits3

1. 住院、膳食及一般護理津貼
Room, Board & General
Nursing

2. 住院醫生費
In-Hospital Doctor's Call

3. 住院專科醫生費
In-Hospital Specialist's
Consultation 全數賠償4
Full reimbursement 4
4. 特別住院費（住院雜費）
Hospital Special Services
(Miscellaneous Hospital
Expenses)

5. 深切治療
Intensive Care

6. 住院陪床 5
Hospital Companion Bed5

7. 私家看護費 6 全數賠償4
Private Nurse’s Fee 6 Full reimbursement 4
(每年90日 90 days per year)

需由註冊醫生書面建議
Recommendation by a registered doctor in writing is required
10
 計劃 Plan 1 計劃 Plan 2

I. 住院保障 3 Hospitalization Benefits3

8. 住 房級別下調現金保障
（適用於入住低於受保病房級別的私
家醫院房間）
Room and Board Downgrade
Cash Benefit
(Applicable if the room level is lower than


毎日1,800 per day

the covered room level in a private hospital)

9. 政 府住院現金保障 (每年60日 60 days per year)

（適用於入住香港 / 澳門政府醫院大
房級別的房間）
Government Hospital Cash
Benefit
(Applicable to confinement in a general

ward of a public hospital in Hong Kong /
Macau)

II. 手術保障 Surgical Benefits

10. 外科醫生手術費
Surgeon’s Fee

11. 麻醉師費
Anaesthetist’s Fee

12. 手術室租金
Operating Theatre Fee

13. 門 診手術 7
（包括外科醫生手術費、麻醉師費、
手術室租金、診症費及藥費）
Outpatient Surgery7

(Including Surgeon’s Fee, Anaesthetist’s

全數賠償4
Fee, Operating Theatre Fee, Consultation
and Medication)

14. 醫療裝置
Full reimbursement 4

– 指 定裝置
（起搏器 / 冠狀動脈血管成形術
（通波仔）的支架 / 眼內人造
晶體 / 人工心瓣 / 金屬或人工
關節置換 / 人工韌帶置換或
植入 / 人工椎間盤）
 edical Appliances
M
– Designated Appliances
(Pace maker / Stents for
percutaneous transluminal coronary
angioplasty / Intraocular lens /
Artificial cardiac valve / Metallic or
artificial joints for joint replacement /
Prosthetic ligaments for replacement
or implantation between bones /
Prosthetic intervertebral disc)

– 非指定醫療裝置

Non-designated Medical 每年100,000 per year
Appliances

15. 在生捐贈者之移植手術費用
器官捐贈者及接受者之手術費用總和的30%
Living Donor Expenses for 30% of the total transplantation cost of both donor and receiver
Transplantation Surgery

16. 門診手術現金保障
（當第13項亦為同一手術作出賠償
時適用）
每項手術 1,600 per procedure
Outpatient Surgery Cash
(每年1次 1 procedure per year)
Benefit
(Applicable when item 13 is payable for
the same procedure)

11
 計劃 Plan 1 計劃 Plan 2

III. 住院前及出院後保障 Pre- and Post- Hospitalization Benefits

17. 住院前門診 8
全數賠償4
Pre-hospitalization
Outpatient 8
Full reimbursement 4
– 門診諮詢 Consultation
(每日1次 1 visit per day)
– 藥物 Medication
– 診斷測試 Diagnostic Tests

18. 出院後門診 9
Post-hospitalization
Outpatient9 全數賠償4
– 門診諮詢 Consultation Full reimbursement 4
– 藥物 Medication (每日1次 1 visit per day)
– 傷口護理 Wound Care
– 診斷測試 Diagnostic Tests

19. 手術後家中看護 10 全數賠償4

Post-surgery Full reimbursement 4
Home Nursing10 (每年120日 120 days per year)

20. 輔助服務 11 每年60,000 per year

Ancillary Services11 (每日1次，每個保單年最高合計保障額 1 visit per day, max. aggregate limit per policy year)

– 物理治療師 / 脊骨神經治
療師 / 言語治療師 /
職業治療師 每次 2,000 per visit
(每年30次 30 visits per year)
Physiotherapist /
Chiropractor /
Speech Therapist /
Occupational Therapist

– 中 醫師 Chinese Medicine 每次 800 per visit

Practitioner (每年20次 20 visits per year)

21. 復康中心及其相關治療
每年 80,000 per year
(每年60日 60 days per year)
Rehabilitation Centre &
Related Treatment

IV. 延伸保障 Extended Benefits

22. 癌症治療保障
Cancer Treatment
Benefit
– 化療 Chemotherapy
– 電療 Radiotherapy
– 標靶治療 Target Therapy 全數賠償4
– 荷爾蒙治療 Hormonal Therapy Full reimbursement 4
– 免疫治療 Immunotherapy
– 質 子重離子療法 Proton Beam
Therapy

23. 洗腎保障
Renal Dialysis Benefit

24. 精神疾病治療保障
每年60,000 per year
(每年60日 60 days per year)
Psychiatric Treatment
Benefit

25. 善終院舍護理服務 12 100,000

Hospice Care 12 (以個人計 per Life)

需由註冊醫生書面建議
Recommendation by a registered doctor in writing is required
12
 計劃 Plan 1 計劃 Plan 2

IV. 延伸保障 Extended Benefits

26. 人 類免疫力缺乏病毒 /
愛滋病治療保障 13 800,000
HIV / AIDS Treatment (以個人計 per Life)
Benefit13

27. 矯 形手術保障
( 適用於回復身體功能或外觀，或重

建乳房) 300,000
Reconstructive Surgery (每項受保疾病計 per covered illness)
Benefit

(For restoration of function of a body part,
appearance, or a breast)

28. 妊 娠併發症保障 14
全數賠償4
Pregnancy Full reimbursement 4
Complications Benefit14

V. 全球緊急治療保障 Worldwide Emergency Treatment Benefit

29. 意 外緊急門診治療保障 15
Emergency Outpatient
Treatment Benefit15 全數賠償4
Full reimbursement 4
30. 意 外緊急牙齒治療保障 16
Emergency Dental Benefit16

VI. 壽險保障 Life Protection

31. 身故保障
80,000
Death Benefit

表二：自選附加保障 17
Table 2 : Optional Supplementary Benefits17 (港元 / 澳門元 HK$/MOP)

保障 Benefits 保障限額 Benefit Limits

A . 門診保障 Outpatient Benefit

門診諮詢 全數賠償4
Outpatient Consultation Full reimbursement 4
(每年50次，每日1次 50 visits per year, 1 visit per day)

診斷程序及化驗室測試
全數賠償4
Diagnostic Procedures and Full reimbursement 4
Laboratory Tests

處方藥物
Prescribed Medicines and 每年100,000 per year
Drugs

另類治療
Alternative Treatment
– 物理治療師 / 脊骨神經治療師 / 每年8,000 per year
中醫師 Physiotherapist / (每日1次 1 visit per day)
Chiropractor / Chinese Medicine
Practitioner

精神疾病治療保障 每次1,000 per visit

Psychiatric Treatment Benefit (每年10次，每日1次 10 visits per year, 1 visit per day)

接種疫苗及健康檢查
Vaccinations and Health 每年4,000 per year
Checkup

需由註冊醫生書面建議
13 Recommendation by a registered doctor in writing is required
 保障 Benefits 保障限額 Benefit Limits
B. 牙科保障 18 Dental Benefit18

例行牙科治療
每年6,000 per year
Routine Dental Treatment

主要之恢復性治療
每年12,000 per year
Major Restorative Treatment

保單資料 Policy Information

VIP環球醫療保
門診保障 牙科保障 18
VIP Worldwide
Outpatient Benefit Dental Benefit 18
MediCare

保單類別 基本計劃 附加保障

Plan Type Basic Plan Supplementary Benefit

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

保證每年續期，保費並非保證。續期保費會按受保人當時實際年齡及
當時同類保障級別的保費率作出調整

保費
Guaranteed yearly renewable, the premium is non-guaranteed. The renewal premium
will be adjusted based on the Insured’s attained age and at the premium rate in effect of
Premium the same level of benefit at the time of policy renewal
保費按每年 / 每半年 / 每季 / 每月繳付
Annual / Semi-annual / Quarterly / Monthly Payment

償款產品—賠償實際住院及醫療費用（受限於計劃內每項保障的最高保障額）
保障類別
Indemnity Product – Reimburses the actual hospitalization and medical expenses
Type of Benefit
(subject to the maximum limit of each benefit item of the plan)

投保資料 Basic Information

投保年齡（以上次生日年齡計算） 0至70歲
Issue Age (At Last Birthday) Age 0-70

保障年期 至100歲 至75歲

Benefit Term To Age 100 To Age 75

繳付保費年期 至100歲 至75歲

Premium Payment Term To Age 100 To Age 75

有關保費詳情，請瀏覽本公司網頁 [Link]
For premium rates, please refer to our company website at [Link]
Worldwide-MediCare.

此產品冊子只提供一般資料，僅作參考之用，並非保單的一部分，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，請參閱保單的條款及保障 / 保單文件。此產品冊子僅旨在香港 / 澳門傳閱，不能詮釋為萬通保險國際有限
公司在香港 / 澳門境外提供或出售或游說購買、要約、招攬及建議任何保險產品。如您現時本人不是身在香港 / 澳門境內，
萬通保險將無法向您提供有關產品及優惠。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。
This product brochure provides information for general reference only. It does not form part of the policy and does not
contain the full terms of the policy. Please refer to the terms and benefits of the policy for exact benefit coverage, terms
and conditions, and exclusions. This product brochure is intended to be distributed in Hong Kong/ Macau only. It shall
not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sell or provision of any
insurance product of YF Life International Limited outside Hong Kong/ Macau. If you are not currently in Hong Kong/
Macau, YF Life will not be able to provide you with related products and offers. 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.
14
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。
Use for Pap
YF Life Insurance International Limited is a member of publicly listed Yunfeng Financial Group Limited, whose major Minimum siz
shareholders include Yunfeng Financial Holdings Limited and Massachusetts Mutual Life Insurance Company, Minimum size
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.

17mm(w
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PSP-098-V1-0124B

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2023年6月6日《FORTUNE 500》
公佈的「互惠壽險公司」2022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 2022, and based on the FORTUNE 500 as published on June 6, 2023.

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:
12mm(h)
[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