嚴重疾病 Critical Illness

加護續航糖尿保險計劃
CritiCare Continuation Diabetes
Insurance Plan
CCD
延續保障 為您護航
Safeguarding You
with Continuous Care

在現今的高糖世代，糖尿病患者日趨年輕。一旦患上糖尿病，患者在日常生活中須嚴格控制
血糖，卻難完全避免併發症的威脅。由於糖尿病可引發其他嚴重疾病，許多患者在投保
危疾保障時經常面對被加收保費甚至拒保，進一步加深對健康與財務的擔憂。

加護續航糖尿保險計劃（「此計劃」）專為糖尿病患者而設，突破傳統保險障礙，提供持續
的危疾保障。核保程序簡易，保障涵蓋主要嚴重疾病、早期疾病及原位癌 / 初期癌症，並
附設經濟支援及安心加護保障，助您在面對生活挑戰的同時，從容規劃未來。

In today’s high-sugar era, diabetes patients are becoming increasingly younger.

Once diagnosed with diabetes, patients must strictly manage their blood sugar
levels in daily life; however, fully eliminating the risk of complications remains a
significant challenge. Since diabetes can trigger other critical illnesses, many
patients often face increased premiums or even denial of coverage when
applying for critical illness insurance, further deepening their concerns about
health and finances.

CritiCare Continuation Diabetes Insurance Plan (the “Plan”) is tailored for

diabetes patients, eliminating traditional barriers to provide continuous critical
illness coverage. With a simple underwriting process, it covers Major Critical
Illnesses, Early Stage Diseases, and Carcinoma-in-situ / Early Stage Cancers.
Offering financial support coverage and peace-of-mind protections, the Plan
empowers you to face challenges confidently and plan for a secure future.
加護續航糖尿保險計劃
CritiCare Continuation Diabetes Insurance Plan

149種嚴重疾病保障
Coverage of 149 Critical Illnesses
保障包括 Coverage includes
• 68 種主要嚴重疾病
Major Critical Illnesses
• 50 種早期疾病
Early Stage Diseases
• 31 種原位癌 / 初期癌症
Carcinoma-in-situ / Early Stage Cancers

安心加護保障
Peace of Mind Protection
• 癌症現金保障
Cancer Income Benefit
• 臨床試驗藥物保障
Experimental Drugs Benefit
• 精神上無行為能力預設指示權益
Mental Incapacity Advance
Instruction Option
經濟支援保障
Financial Support Coverage
• 現金價值
Cash Value
• 身故保障
Death Benefit

簡易核保程序
Simplified Underwriting Procedure
 149種嚴重疾病保障
1 Coverage of 149 Critical Illnesses

此計劃專為糖尿病患者而設，讓您獲得多種 The Plan is specifically designed for diabetes patients

主要嚴重疾病、早期疾病，以及原位癌 / 初期 providing protection for a wide range of Major Critical
癌症的保障。 Illnesses, Early Stage Diseases and Carcinoma-in-situ /
Early Stage Cancers.
此外，即使受保人就早期疾病甚或原位癌 / 初期
癌症提出索償，保費仍將保持不變 。
1
In addition, even if the Insured makes a claim for Early Stage
Diseases or Carcinoma-in-situ / Early Stage Cancers, the
premiums to be paid will remain unchanged 1.

149 種嚴重疾病保障 2,3 保障金額

Coverage of 149 Critical Illnesses2,3 Benefit Amount

68 種主要嚴重疾病 100% 基本保障額 + 非保證終期紅利

Major Critical Illnesses of Basic Sum Insured + non-guaranteed Terminal Bonus

50 種早期疾病 10%/25%/50% 基本保障額

Early Stage Diseases of Basic Sum Insured

31 種原位癌 / 初期癌症
Carcinoma-in-situ / 25% 基本保障額
Early Stage Cancers of Basic Sum Insured

有關保障的詳情，請參考「加護續航糖尿保險計劃一覽表」部分。
For details of the benefits, please refer to“ CritiCare Continuation Diabetes Insurance Plan – at a glance ”section.

安心加護保障
2 Peace of Mind Protection

癌症現金保障 Cancer Income Benefit

受保人若不幸確診癌症，並因該癌症獲得或將 If the Insured is unfortunately diagnosed with Cancer and

獲得嚴重疾病保障，便可於確診日期起計的 1 年 Critical Illness Benefit has been paid or is payable for such
後每年獲 5% 基本保障額的癌症現金保障 ， Cancer, a Cancer Income Benefit4 of 5% of Basic Sum Insured
4

長達 10 年，減低醫療開支對家庭帶來的經濟 will become payable on annual basis for up to 10 years

負擔。 upon 1 year after the diagnosis date of such Cancer,
alleviating the financial strain on families caused by
medical expenses.

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臨床試驗藥物保障 Experimental Drugs Benefit

隨著醫療技術不斷進步，試驗性藥物為癌症患者 With advancements in medical technology, experimental

提供多一項治療上的選擇，提高存活率。試驗性 drugs provide Cancer patients an additional treatment
藥物一般費用高昂，若受保人就癌症已獲支付或 option to improve survival rates. Experimental drugs tend to
將獲支付嚴重疾病保障，而所處方之試驗性藥物 be expensive. If the Critical Illness Benefit is paid or becomes
被確認於醫療上有治療該癌症之必要，此計劃可 payable for Cancer, and the prescribed Experimental Drug
在受保人確診該癌症之確診日期起計3年內，就 is deemed Medically Necessary for the treatment of such
該被處方之試驗性藥物的合理及慣常之醫療 Cancer for the Insured, the Reasonable and Customary
費用，以實報實銷形式獲得賠償，高達20%基本 charges of the prescribed Experimental Drug within 3 years
保障額5。 after the diagnosis date of such Cancer can be reimbursed,
up to 20% of Basic Sum Insured5.
受保人需至少有一種一線癌症治療已失效或
無反應，並且沒有其他後續治療方案而被處方 The Experimental Drug must be prescribed after failure or
試驗性藥物，惟處方時必須處於該癌症的臨床試驗 non-response of at least one first-line Cancer treatment and
第 III 階段，並得到以下的其中一個監管機構之 there are no other subsequent treatment options, and is in
有效的初步審查和批准，以進行人體測試及 / active phase III of a clinical trial for such Cancer at the time
或治療的臨床試驗： of prescription with effective preliminary review and approval
from one of the following regulatory authorities for treatment
• 美國食品藥品監督管理局 (FDA) in humans and / or clinical trials:
• 歐洲藥品管理局 (EMA)
• United States Food and Drug Administration (FDA)
• 中國國家藥品監督管理局 (NMPA)
• European Medicines Agency (EMA)
• 香港衞生署
• National Medical Products Administration (NMPA) of China
• 澳門藥物監督管理局
• Department of Health of Hong Kong
• Pharmaceutical Administration Bureau of Macau

精神上無行為能力預設指示權益 Mental Incapacity Advance Instruction Option

保單持有人可透過預設指示權益 ，於患上 The Policy Owner can make an advance instruction6 to

6

指定疾病以致精神上失去行為能力時，轉贈保單 nominate their loved ones to own the Policy in the unfortunate
予摯愛持有，確保家人在緊急情況下動用其 event of mental incapacitation due to Designated Illnesses.
資產，以解燃眉之急，而毋須經歷漫長而 This can ensure the family member has access to the asset
複雜的法律程序。 and receive immediate financial relief in case of emergency,
without going through a lengthy and complicated legal
此外，受保人與保單持有人亦可共同預先作出 process.
指示 ，於受保人精神上失去行為能力後，將有關
6

的賠償支付予指定人士，減輕家人的醫療負擔。 Meanwhile, to alleviate the financial burden of medical

expenses on the families, the Insured and the Policy Owner
can also make advance instruction6 together so that a
designated person will receive the benefit payout after the
Insured is mentally incapacitated.

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 經濟支援保障
3 Financial Support Coverage

現金價值 Cash Value

在保單生效期間及於第 3 個保單週年日起，您可 Effective from the 3rd policy anniversary onwards and while
於退保時獲得保證現金價值及非保證終期紅利， the Policy is in force, you will be offered the Guaranteed Cash
而無須扣除任何曾支付的賠償金額 ，為您的 Value and a non-guaranteed Terminal Bonus upon policy
7

健康護航同時累積財富。 surrender, without deduction of any claims paid7. The Plan

safeguards your health while accumulating wealth.

終期紅利 ― 於保單生效第 5 個保單週年日起，�計劃為您提供非保證終期紅利，並將於保障期滿、退保、受保人

身故或總賠償額達 100% 基本保障額時派發。
Terminal Bonus ― Available from the 5 policy anniversary onwards, the non-guaranteed Terminal
th

Bonus will be payable upon the maturity or surrender of the Policy, or upon the death of the Insured, or
when total benefit payments reach 100% of the Basic Sum Insured.

身故保障 Death Benefit

在受保人不幸身故時，受益人可獲發身故保障 In the unfortunate event of the death of the Insured, the Death
賠償，舒緩家庭的財政壓力： Benefit will be paid to the Beneficiary to ease the financial
burden on the families:
i) 100% 已繳每年保費總額 7 + 非保證終期紅利，
或 i) 100% of total Annual Premium paid7 + non-guaranteed
ii) 現金價值
Terminal Bonus, or

以較高者爲準，並須扣除任何曾支付或將獲支付
ii) Cash Value

之嚴重疾病保障 whichever is higher, and subject to the deduction of any

previous Critical Illness Benefit paid or payable

簡易核保程序
4 Simplified Underwriting Procedure

此計劃採用簡易核保程序，適合非吸煙者或過去 The Plan adopts a simplified underwriting procedure and is

12 個月沒有吸煙的人士。您只須回答數條健康 suitable for non-smokers or individuals who have not smoked
核保問題，即可完成投保流程，無需驗身，省卻 over the past 12 months. You are only asked to answer a few
繁複的核保程序。 health underwriting questions to complete the application
without medical examination and lengthy enrollment process
required.

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 68種主要嚴重疾病 2
68 Major Critical Illnesses2
癌症 1  症
癌 神經系統疾病 35 運動神經原疾病
Cancer Cancer Nervous System Motor Neurone Disease
心臟血管疾病 2  臟病
心 Diseases 36 柏金遜病
Cardiovascular Heart Attack Parkinson’s Disease
Diseases 3 冠狀動脈（迴接）手術 37 脊髓灰質炎
Coronary Artery Bypass Surgery Poliomyelitis
4 心瓣置換 38 亞爾茲默氏病 / 不可還原之器質性腦退化疾病
Heart Valve Replacement Alzheimer’s Disease / Irreversible Organic
5 主要動脈手術 Degenerative Brain Disorders
Surgery to Aorta 39 漸進性核上神經麻痺症
6 心肌病 Progressive Supranuclear Palsy
Cardiomyopathy 40 嚴重重症肌無力
7 肺動脈高血壓 Severe Myasthenia Gravis
Pulmonary Arterial Hypertension 41 進行性延髓麻痺症
8 其它嚴重冠狀動脈疾病 Progressive Bulbar Palsy
Other Serious Coronary Artery Disease 42 結核腦膜炎
9 艾森門格綜合症 Meningeal Tuberculosis
Eisenmenger’s Syndrome 43 偏癱
10 傳染性心內膜炎 Hemiplegia
Infective Endocarditis 44 肌萎縮性脊髓側索硬化(俗稱 「漸涷人症」)
器官嚴重疾病及 11 腎衰竭 Amyotrophic Lateral Sclerosis
衰竭 Kidney Failure 45 脊髓肌肉萎縮症
Organ Critical 12 慢性肝衰竭 Spinal Muscular Atrophy
Illness and Chronic Liver Failure 46 原發性側索硬化
主要器官移植
Failure 13 Primary Lateral Sclerosis
Major Organ Transplant 嚴重傷殘 47 失明
14 暴發性病毒性肝炎 Serious Blindness
Fulminant Viral Hepatitis Disability 48 身體機能阻障
15 腎髓質囊腫病 Dysfunction
Medullary Cystic Disease 49 完全及永久傷殘8
16 潰瘍性結腸炎 Total and Permanent Disability8
Ulcerative Colitis 50 類風濕性關節炎
17 克隆病 Rheumatoid Arthritis
Crohn's Disease 51 失去肢體 / 視力
18 慢性肺病 Loss of Limbs / Sight of Eyes
Chronic Lung Disease 52 失
19 慢性自體免疫性肝炎 Deafness
Chronic Auto-immune Hepatitis 53 失去語言能力
20 復發性慢性胰臟炎 Loss of Speech
Chronic Relapsing Pancreatitis 54 嚴重燒傷
21 系統性硬皮病 Major Burns
Systemic Scleroderma 55 糖尿病併發症引致切除雙足
22 急性壞死及出血性胰腺炎 Amputation of Feet due to Complication from
Acute Necrohemorrhagic Diabetes Mellitus
Pancreatitis 其它 56 末期病症
神經系統疾病 23 中風 Others Terminal Illness
Nervous System Stroke 57 象皮病
Diseases 24 良性腦部腫瘤 Elephantiasis
Benign Brain Tumour 58 壞死性筋膜炎
25 昏迷 Necrotising Fasciitis
Coma 59 成形不全貧血病
26 腦膜炎 Aplastic Anaemia
Bacterial Meningitis 60 克雅氏症 (俗稱「瘋牛症」)
27 腦炎 Creutzfeld-Jacob Disease (Mad Cow Disease)
Encephalitis 61 經輸血感染人類免疫力缺乏病毒
28 嚴重頭部創傷 HIV through Blood Transfusion
Major Head Trauma 62 因職業感染人類免疫力缺乏病毒
29 植物人 Occupationally Acquired HIV
Apallic Syndrome 63 紅斑狼瘡
30 腦部手術 Systemic Lupus Erythematosus
Brain Surgery 64 慢性腎上腺功能不全
 部受損 / 失去獨立生存的能力
腦
31 Chronic Adrenal Insufficiency
Brain Damage / Loss of Independent 65 伊波拉出血性熱病
Existence Ebola Hemorrhagic Fever
32 肌肉萎縮 66 嗜鉻細胞瘤
Muscular Dystrophy Pheochromocytoma
33 癱瘓 67 合資格的深切治療部留醫9
Paralysis Qualified ICU Stay9
34 多發性硬化症 68 侵入性甲類鏈球菌 (iGAS) 疾病(俗稱「食人菌」)
Multiple Sclerosis Invasive group A streptococcal (iGAS) disease

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50種早期疾病2
50 Early Stage Diseases2
心臟血管疾病 1 腔靜脈過濾器植入 神經系統疾病 25 中度嚴重腦部損傷
Cardiovascular Insertion of a Vena-cava Filter Nervous System Moderately Severe Brain Damage
Diseases Diseases
2 心瓣膜疾病的次級創傷性治療 26 腦硬膜下血腫手術
Less Invasive Treatments of Heart Valve Surgery for Subdural Haematoma
Disease
27 移除腦下垂體腫瘤手術
3 次級嚴重心臟疾病 Surgical Removal of Pituitary Tumour
Less Severe Heart Disease
28 中度嚴重癱瘓
4 微創性直接冠狀動脈搭橋術10 Moderately Severe Paralysis
Minimally Invasive Direct Coronary Artery
By-pass10 29 嚴重精神病10,12
Severe Psychiatric Illness10,12
5 冠狀動脈的血管成形術及其它冠狀動脈的血管手術10,11
（俗稱「通波仔」
） 30 早期腦退化症（包括早期亞爾茲默氏病）
Angioplasty and Other Surgeries for Coronary Early Stage Dementia
Artery10,11 (including Early Stage Alzheimer’s Disease)

2次 Twice 31  級嚴重結核腦膜炎
次
Less Severe Meningeal Tuberculosis
6 心包切除術
Pericardectomy 嚴重傷殘 32 意外所致的臉部燒傷
Serious Facial Burns due to Accident
7 主動脈疾病或主動脈瘤的血管介入治療 Disability
Endovascular Treatments of Aortic Disease or 33 中度嚴重燒傷
Aortic Aneurysm Moderately Severe Burns

8 次級嚴重傳染性心內膜炎 34 單耳失
Less Severe Infective Endocarditis Loss of Hearing in One Ear

9 早期心肌病 35 失去單肢
Early Cardiomyopathy Loss of One Limb

器官嚴重疾病及 10 膽道再造術 36 單目失明

衰竭 Biliary Tract Reconstruction Surgery Loss of Sight in One Eye

37 糖尿病併發症引致的單腳截除
Organ Critical
Illness and 11 早期慢性肺病
Early Chronic Lung Disease Amputation of One Foot due to Complication
Failure
from Diabetes
12 肝炎伴肝硬化
Hepatitis with Cirrhosis 其它 38 耳蝸植入術
Others Cochlear Implant Surgery
13 次級嚴重腎病
Less Severe Kidney Disease 39 糖尿病性視網膜病變10
Diabetic Retinopathy10
14  臟手術
肝
Liver Surgery 40 次級嚴重紅斑狼瘡
Less Severe Systemic Lupus Erythematosus
15 
主要器官移植 （屬於器官移植輪候名單上的輪候者）
Major Organ Transplantation 41 骨質疏鬆症併骨折10,13
(on Waiting List) Osteoporosis with Fractures10,13

16  除單肺手術
移 42 腎上腺腺瘤的腎上腺切除術
Surgical Removal of One Lung Adrenalectomy for Adrenal Adenoma

神經系統疾病 17 需進行手術之腦血管瘤 43 意外矯形手術10,14

Nervous System Cerebral Aneurysm Requiring Surgery Reconstructive Surgery due to Accident10,14
Diseases
18 腦分流器植入術 44 周圍動脈疾病的血管介入治療10
Cerebral Shunt Insertion Endovascular Treatment of Peripheral Arterial
Disease10
19 頸動脈成形術及其它頸動脈手術
Angioplasty and Other Surgeries for 45 黃斑部病變 / 早發性白內障15
Carotid Arteries Macular Degeneration / Early Onset of Cataract15

20 腦動脈瘤的血管介入治療和腦病變的其它治療 46 青光眼手術16
Endovascular Treatment for Cerebral Glaucoma Surgical Treatment16
Aneurysm and Other Treatment for Cerebral
Disease 47 早期克雅氏症（早期瘋牛症）
Early Stage Creutzfeld-Jacob Disease
21 次級嚴重細菌性腦膜炎 (Early Mad Cow Disease)
Less Severe Bacterial Meningitis
48 糖尿病併發症引致的腎臟病變
22 中度嚴重柏金遜病 Nephropathy due to
Moderately Severe Parkinson's Disease Complication from Diabetes

23 次級嚴重昏迷 49 嚴重中樞神經性睡眠窒息症或混合性睡眠窒息症
Less Severe Coma Severe Central or Mixed Sleep Apnea

24 次級嚴重腦炎 50 嚴重阻塞性睡眠呼吸暫停窒息症
Less Severe Encephalitis Severe Obstructive Sleep Apnea

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 31種原位癌 / 初期癌症2,10
31 Carcinoma-in-situ / Early Stage Cancers2,10
1 乳房 17 鼻咽
Breast(s) Nasopharynx

2 子宮頸 18 肝
Cervix Liver

3 子宮 19 尿道
Uterus Urinary Tract

4 卵巢 20 輸尿管
Ovary or Ovaries Ureter

5 輸卵管 21 壺腹
Fallopian Tube(s) Ampulla of Vater

6 陰道 22 肛管
Vagina Anal Cannel

7 外陰 23 肝外膽管
Vulva Extra-hepatic Bile Duct

8 淚管 24 膽囊
Tear Duct Gallbladder

9 睪丸 25 腎臟
Testis or Testes Kidney

10 陰莖 26 胰臟
Penis Pancreas

11 小腸（包括十二指腸，空腸及迴腸） 27 腎盂
Small Intestine (including Duodenum, Jejunum and Ileum) Renal Pelvis

12 結腸或直腸 28 AJCC第二期或以上的非黑色瘤皮膚癌
Colon or Rectum Non Melanoma Skin Cancer of AJCC Stage II or above

13 肺 29 前列腺
Lung Prostate

14 胃或食道 30 早期甲狀腺乳頭狀癌
Stomach or Oesophagus Early Stage Papillary Carcinoma of the Thyroid

15 喉 31 慢性淋巴性白血病
Larynx Chronic Lymphocytic Leukemia

16 咽（包括舌頭，軟齶及小舌）
Pharynx (including Tongue, Soft Palate and Uvula)

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加護續航糖尿保險計劃一覽表
CritiCare Continuation Diabetes Insurance Plan – at a glance

保障項目 Benefits
149種嚴重疾病保障2,3 保障金額 保障年期
Coverage of 149 Critical Illnesses2,3 Benefit Amount Benefit Term
• 100% 基本保障額 7 + 非保證終期紅利，或 至 100 歲 8
68 種主要嚴重疾病
Major Critical Illnesses • 現金價值 To Age 1008

以較高者為準，並須扣除任何曾支付或將獲支付之嚴重
疾病保障
• 100% of Basic Sum Insured7 + non-guaranteed
Terminal Bonus, or
• Cash Value
whichever is higher, and subject to the deduction of
any previous Critical Illness Benefit paid or payable

每項嚴重疾病只獲賠償一次（特別註明除外）
50 種早期疾病
Early Stage Diseases Payable once only for each Critical Illness
(unless otherwise specified)

40 種早期疾病 基本保障額（各項） 至 100 歲

25%
7

Early Stage Diseases of Basic Sum Insured7 (Each) To Age 100

10 種早期 需進行手術之腦血管瘤 基本保障額 7 至 100 歲

疾病 Cerebral Aneurysm
50% of Basic Sum Insured7 To Age 100
Early Requiring Surgery
Stage
Diseases 冠狀動脈的血管成形術及 基本保障額 7 ( 最多可獲賠償 2 次 11) 至 100 歲
其它冠狀動脈的血管手術
25% of Basic Sum Insured7 (Payable twice at most11) To Age 100
Angioplasty and （同一受保人於本公司繕發之此計劃所有保單所支付
Other Surgeries for 的最高總賠償限額為 62,500 美元
Coronary Artery
Subject to US$62,500 per Insured under all
policies of the Plan issued by the Company ）

周圍動脈疾病的血管 基本保障額 7（各項） 至 100 歲

介入治療
25% of Basic Sum Insured7 (Each) To Age 100
Endovascular （同一受保人於本公司繕發之此計劃所有保單所支付
Treatment of 的最高總賠償限額各為 62,500 美元
Peripheral Arterial
Each subject to US$62,500 per Insured
Disease
under all policies of the Plan issued by the
Company ）
糖尿病性視網膜病變
Diabetic Retinopathy

微創性直接冠狀動脈
搭橋術
Minimally Invasive
Direct Coronary Artery
By-pass

嚴重精神病 12
Severe Psychiatric
Illness12

12
 保障項目 Benefits
149種嚴重疾病保障2,3 保障金額 保障年期
Coverage of 149 Critical Illnesses2,3 Benefit Amount Benefit Term

10 種早期 意外矯形手術 賠償未獲賠償而需支付的實際住院、手術、麻醉師及手術室 至 100 歲

疾病 Reconstructive 開支，最高賠償額為 To Age 100
Early Surgery Reimburse the actual amount of hospitalization, surgical
Stage due to Accident anesthetists expenses and operation theatre expenses
Diseases not yet reimbursed, with maximum benefit payment:

基本保障額 7
25% of Basic Sum Insured7
（同一受保人於本公司繕發之此計劃所有保單所支付的
最高總賠償限額為 62,500 美元
Subject to US$62,500 per Insured under all
policies of the Plan issued by the Company）

骨質疏鬆症併骨折 基本保障額 7 至 70 歲
Osteoporosis with
25% of Basic Sum Insured7 To Age 70
Fractures ( 同一受保人於本公司繕發之此計劃所有保單所支付的
最高總賠償限額為 62,500 美元
Subject to US$62,500 per Insured under all
policies of the Plan issued by the Company)

黃斑部病變 / 基本保障額 7 至 65 歲
早發性白內障
25% of Basic Sum Insured7 To Age 65
Macular
Degeneration / Early
Onset of Cataract

青光眼手術 基本保障額 7 至 65 歲
Glaucoma Surgical
10% of Basic Sum Insured7 To Age 65
Treatment ( 同一受保人於本公司繕發之此計劃所有保單所支付的
最高總賠償限額為 5,000 美元
Subject to US$5,000 per Insured under all
policies of the Plan issued by the Company)

種原位癌 / 初期癌症 2 最多可獲賠償 2 次，並只適用於兩種不同的原位癌 / 初期癌症

31 Carcinoma-in-situ / Payable twice at most; for 2 different Carcinoma-in-situ /
Early Stage Cancers2 Early Stage Cancers

基本保障額 7 至 100 歲
25% of Basic Sum Insured7 To Age 100
（同一受保人於本公司繕發之此計劃所有保單所支付的
最高總賠償限額為 62,500 美元
Subject to US$62,500 per Insured under all
policies of the Plan issued by the Company）

安心加護保障 保障金額 保障年期

Peace of Mind Protection Benefit Amount Benefit Term

癌症現金保障 4 當因癌症而獲得支付或將會獲得支付嚴重疾病保障時，於癌症 至 100 歲

Cancer Income Benefit4 確診日期起計的 1 年後提供每年 5% 基本保障額，長達 10 年 To Age 100
When Critical Illness Benefit has been paid or is payable
for a Cancer, 5% of Basic Sum Insured will become
payable on annual basis for up to 10 years upon 1 year
after the diagnosis date of Cancer

臨床試驗藥物保障 5 按實際費用支付賠償，最高賠償額為 至 100 歲

Experimental Drugs Benefit5 Reimbursement of actual expenses, with maximum To Age 100
benefit payment:

基本保障額
20% of Basic Sum Insured
（同一受保人於本公司繕發之此計劃所有保單所支付的
最高總賠償限額為 62,500 美元
Subject to US$62,500 per Insured under all
policies of the Plan issued by the Company）

13
保障項目 Benefits
安心加護保障 保障金額 保障年期
Peace of Mind Protection Benefit Amount Benefit Term

精神上無行為能力預設指示權益 6 • 保單持有人可預先作出指示，在其精神上失去行為能力後 至 100 歲

Mental Incapacity Advance 轉換新的保單持有人 To Age 100
Instruction Option6 • 受保人與保單持有人亦可共同預先作出指示，指定在受保人
精神上失去行為能力後，將有關賠償支付予指定人士
• The Policy Owner can make advance instructions to
change the New Policy Owner when the Policy Owner
is diagnosed of mentally incapacitation
• The Insured can make advance instructions together
with the Policy Owner to appoint a designated person
for receiving benefit payout after the Insured is
mentally incapacitated

經濟支援保障 保障金額 保障年期

Financial Support Coverage Benefit Amount Benefit Term

現金價值 7 保證現金價值 + 非保證終期紅利 至 100 歲

Cash Value7 Guaranteed Cash Value + To Age 100
non-guaranteed Terminal Bonus

身故保障 • 100% 已繳每年保費總額 7 + 非保證終期紅利，或 至 100 歲

Death Benefit • 現金價值 To Age 100

以較高者爲準，並須扣除任何曾支付或將獲支付�嚴重
疾病保障
• 100% of total Annual Premium paid7 +
non-guaranteed Terminal Bonus, or
• Cash Value
whichever is higher, and subject to the deduction of
any previous Critical Illness Benefit paid or payable

保單資料 Policy Information

保單類別 基本計劃
Plan Type Basic Plan

保單貨幣 美元
Policy Currency US$

保費並非保證，惟不會隨著受保人年齡而增加
保費 1
Premium is non-guaranteed,
Premium 1
but it will not be increased based on the age of the Insured

繳費方式 每年 / 每半年 / 每季 / 每月
Payment Mode Annual / Semi-annual / Quarterly / Monthly

最低基本保障額 15,000 美元（每年保費不少於 350 美元）

Minimum Basic Sum Insured US$15,000 (with Annual Premium not less than US$350)

最高基本保障額 17
US$62,500 美元
Maximum Basic Sum Insured17

投保資料 Basic Information

繳付保費年期
10 年 Years 15 年 Years 20 年 Years 25 年 Years
Premium Payment Term

投保年齡（以上次生日年齡計算） 40 至 65 歲 40 至 60 歲 40 至 55 歲 40 至 50 歲
Issue Age (At Last Birthday) Age 40-65 Age 40-60 Age 40-55 Age 40-50

保障年期 至 100 歲
Benefit Term To Age 100

14
 註 Remarks
1. 一經受保，保費不會按受保人年齡增加或提出索償而 1. Once insured, the premiums will not increase as the age of the
遞增。然而，本公司有權在每次續期時更改所有在 Insured increases or the Insured has filed a claim. However, the
同一風險級別的受保人之續期保費，並會於保單週年 Company reserves the right to change the renewal premium on
前 30 天以書面作出通知。 each renewal for all Insureds of the same risk class by giving
2 . 嚴重疾病保障（包括主要嚴重疾病、早期疾病及 30 days’ notice in writing prior to the policy anniversary.
原位癌 / 初期癌症）合共的總賠償金額最高為「100% 2. The maximum amount of the sum of total benefit payments under
基本保障額及非保證終期紅利」 （須扣除任何保單 Critical Illness Benefit including Major Critical Illnesses, Early Stage
債項），或現金價值，以較高者為準。若嚴重疾病之 Diseases and Carcinoma-in-situ / Early Stage Cancers is equal to
病況於索償時已屬較後階段至符合主要嚴重疾病的 the sum of “100% of the Basic Sum Insured and non-guaranteed
定義，我們將不會追溯支付任何就原位癌 / 初期癌症 Terminal Bonus” net of Policy Debt (if any), or Cash Value, whichever
或早期疾病之嚴重疾病保障。受保人必須由確診受保 is higher. We will not pay any Critical Illness Benefit for Carcinoma-
嚴重疾病的日期起計生存最少 14 天，我們方會支付 in-situ / Early Stage Cancers or Early Stage Diseases retrospectively
有關的嚴重疾病保障。 when the staging of the Critical Illness is more advanced such that
3. 若多於一種嚴重疾病由同一宗意外引致並於同一天被 it meets the definition of the Major Critical Illness at the time of
確診，或由同一種疾病引致並於同一天被確診，根據 claim. The Critical Illness Benefit shall be payable only if the Insured
保單所載之條款，我們只會就當中最高賠償額之嚴重 survives for a period of at least 14 days from the date of diagnosis of
疾病作出嚴重疾病保障賠償。 a covered Critical Illness.

4. 每年支付相關癌症現金保障前，我們繕發保單的 3. In the event that more than one Critical Illness is arising from the
辦事處必須接獲以符合我們要求的書面方式的合理 same accident and diagnosed on the same date, or arising from
及必要的受保人之生存證明。我們保留要求您提供 the same illness and diagnosed on the same date, subject to the
額外之索償證明文件的權利。癌症現金保障將於 terms and conditions under the Policy, we will only pay the Critical
以下較早出現之情況自動終止： (i) 受保人身故及 Illness Benefit in relation to the one of those Critical Illnesses with the
(ii) 已支付或將獲支付的癌症現金保障每年保障總 highest benefit amount.
數目已達到 10 年保障。 4. Our office issuing the Policy must receive the reasonable and
5. 如受保人被確診患上癌症並因該癌症而獲得支付或將 necessary proof that the Insured survives in a written form
會獲得支付嚴重疾病保障，我們將支付受保人於該 satisfactory to us before the relevant Cancer Income Benefit
癌症之確診日期起計 3 年內，由受保人的主診腫瘤科 becomes payable every year. We reserve the right to require you to
醫生或相關領域的專科醫生，就該癌症而進行因醫療 provide any additional proof and documents in support of the claim.
而必須進行的治療時，所處方的臨床試驗藥物的合理 The Cancer Income Benefit will automatically cease on the earlier of
及慣常的費用，並以基本保障額的 20% 或 62,500 美元 (i) the death of the Insured, and (ii) total number of annual payments
( 以較低金額作準 ) 為限，而此保障並不包括診斷測試 under Cancer Income Benefit paid or payable has reached 10 years
及治療之診症費用。臨床試驗藥物保障只會支付不會 of payments.
根據任何政府條例或從任何其他保險計劃或機構而 5. If the Insured who is diagnosed to be suffering from Cancer and
獲得或將獲得賠償的實際費用。以同一受保人計算， Critical Illness Benefit has been paid or is payable for such Cancer,
本公司在任何時間繕發之此計劃所有保單所支付 we shall reimburse the Reasonable and Customary charges of the
及 / 或將支付之臨床試驗藥物保障總賠償金額將以 experimental drugs prescribed by the Insured's attending oncologist
62,500 美元為限。 or specialist in relevant field for the Medically Necessary treatment
6. 保單持有人可預先作出指示，在其精神上失去行為能力 of such Cancer within 3 years after the diagnosis date of such
後轉換新的保單持有人。於保障期內，受保人與保單 Cancer, up to 20% of the Basic Sum Insured or US$62,500, whichever
持有人亦可共同預先設定指示，指定在受保人精神上 is lower. The consultation fee including any diagnostic tests and
失去行為能力後，將有關賠償支付予指定人士。 treatments are not covered under this benefit. Experimental Drugs
Benefit will only reimburse the actual expenses to the extent such
精神上無行為能力人士指因精神上無行為能力而無能力
expenses are not paid or payable under any government law or any
處理和管理其財產及事務的人。精神上無行為能力的
other insurance policies or by any other institutions. The aggregate
診斷必須由兩名註冊精神專科或腦神經專科醫生所
Experimental Drugs Benefit payment paid and / or payable under
提供。
all policies of the Plan issued by the Company at any time will be
limited to US$62,500 under the same Insured.

6. The Policy Owner can provide advance instructions to change the

New Policy Owner in the event of their mental incapacity. During the
benefit term, the Insured can make advance instructions together
with the Policy Owner to appoint a designated person for receiving
benefit payout after the Insured is mentally incapacitated.

Mentally incapacitated person means a person who is incapable, by

reason of mental incapacity, of managing and administering his/her
property and affairs. The diagnosis of mental incapacity must be
given by 2 registered medical practitioners who are psychiatrists or
neurologists.

15
 本公司將於收到保單持有人確診為永久精神上無行為 The Company will process the instruction when the proof of
能力人士、植物人、腦部受損 / 失去獨立生存的 diagnosis as a permanently mentally incapacitated person, Apallic
能力、昏迷或嚴重認知障礙症的證明文件時，處理有關 Syndrome, Brain Damage / Loss of Independent Existence, Coma
指示。指定人士將會收取於保單中任何可獲支付或將 or Severe Dementia of the Policy Owner is received. The designated
獲支付的嚴重疾病保障及 / 或癌症現金保障及 / 或 person will receive any payment of Critical Illness Benefit and /
臨床試驗藥物保障的賠償。有關精神上無行為能力 or Cancer Income Benefit and / or Experimental Drugs Benefit
預設指示權益之詳情，請參閱保單文件。在行使此 under the Policy. Please refer to the policy document for details of
選項前宜謹慎考慮，並評估及理解其對您有任何潛在 Mental Incapacity Advance Instruction Option. You are reminded to
的財務影響。 consider carefully before exercising this option and shall assess and

須扣除保單債項（如有）。
understand any potential financial impact to you.
7.

主要嚴重疾病下的「完全及永久傷殘」保障至受保人
7. Net of Policy Debt (if any).
8.
65 歲。 8. The protection of “Total and Permanent Disability” which is covered

有關「合資格的深切治療部留醫」之詳情及指定手術的
by Major Critical Illnesses is up to age 65 of the Insured.
9.
列表，請參閱保單文件。若受保人符合所有合資格的 9. Please refer to the policy document for details of “Qualified ICU Stay”
深切治療部留醫的條件，而該狀況是直接或間接由任何 and the list of designated surgeries. In the event that the Insured
其他主要嚴重疾病所引致或有關，我們只會就其他 satisfies all the criteria of Qualified ICU Stay and such condition is
主要嚴重疾病作出嚴重疾病保障賠償。 directly or indirectly arising from or in connection with any other

10. 同一受保人於本公司繕發之此計劃所有保單就該項
Major Critical Illness, we will only pay the Critical Illness Benefit in

疾病的最高總賠償額為 62,500 美元。

relation to the other Major Critical Illness.

索償只適用於需進行手術的冠狀動脈出現收窄的情況
10. Subject to US$62,500 per type of illness, per Insured under all policies
11.
達 50% 或以上；而第 2 次之索償需符合上述之情況，
of the Plan issued by the Company.

以及於首次已獲賠償的醫學檢查報告内已顯示第 2 次 11. To be eligible for a claim, the coronary artery must have a stenosis
進行手術的主要冠狀動脈收窄或阻塞之位置並不多 of 50% or more; to be eligible for a second claim, in addition to the
於 60% 。 above-mentioned criterion, the treatment must also be performed

12. 「嚴重精神病」指經精神科專科醫生首次確定診斷為
on a location of stenosis or obstruction in a major coronary artery

嚴重憂鬱症、精神分裂症或躁鬱症，並需持續因嚴重
where no stenosis greater than 60% was identified in the medical

精神病入住醫院所屬的精神科院舍超過 28 �。有關
examination report relating to the first claim.

嚴重精神病的詳情，請參閱保單文件。 12. ”Severe Psychiatric Illness” means a first definitive diagnosis of

13. 保障至受保人 70 歲。
severe depression, schizophrenia or bipolar disorder by a Doctor in
psychiatry, which requires in-patient hospitalization for more than
14. 賠償未獲賠償而需支付的實際住院、手術、麻醉師及 28 consecutive days in the psychiatric unit of a Hospital for Severe
手術室開支。 Psychiatric Illness. Please refer to the policy document for details of

15. 保障至受保人 65 歲。
Severe Psychiatric Illness.

16. 賠償額為 10% 基本保障額，上限為 5,000 美元，保障

13. The protection is up to age 70 of the Insured.

至受保人 65 歲。 14. Benefit payment is the actual amount of hospitalization, surgical,

17. 同一受保人於本公司投保的所有嚴重疾病計劃的
anesthetists expenses and operation theatre expenses not yet

總保障額最高為 1,500,000 美元；而同一受保人於

reimbursed.

本公司投保的�計劃所有保單的總保障額最高為 15. The protection is up to age 65 of the Insured.

62,500 美元。
16. The benefit payable is 10% of the Basic Sum Insured, capped at
US$5,000; the protection is up to age 65 of the Insured.

17. The maximum aggregate Sum Insured of all Critical Illness plans
under the same Insured with the Company is limited to US$1,500,000.
The maximum aggregate Sum Insured of all policies of the Plan
under the same Insured with the Company is limited to US$62,500.

16
 重要資料 Important Information
1. 紅利理念 1. Bonus Philosophy
此分紅保險計劃可分享由我們釐定之相關產品組別中的 This is a participating insurance plan which can share the divisible
盈餘。相關產品組別中的盈餘為可分配給保單持有人的 surplus from the product group determined by us. Divisible surplus
利潤。於釐定終期紅利時，我們致力確保保單持有人和 refers to profits available for distribution back to Policy Owners as
公司之間以及不同組別之保單持有人之間能得到合理的 determined by us. Terminal Bonus will be determined with an aim
利潤分配。我們的目標是將不少於90%的盈餘分配予保單 to ensure a fair sharing of profits between Policy Owners and the
持有人，餘下的部分則歸於公司。 Company, as well as among different groups of Policy Owners. We aim
to share with Policy Owners no less than 90% of the divisible surplus
公司已成立一個委員會，在釐定終期紅利派發之金額時向
while the remaining portion goes to the Company.
公司董事會提供獨立意見。實際終期紅利派發之金額會先
由委任精算師建議，然後經此委員會審議決定，最後由 A committee has been set up to provide independent advice on
公司董事會（包括一個或以上獨立非執行董事）批准。 the determination of the Terminal Bonus amounts to the Board of
the Company. The actual Terminal Bonus, which are recommended
我們將最少每年檢視及釐定終期紅利一次。終期紅利並
by the Appointed Actuary, will be decided upon the deliberation of
不是永久附加於保單上。我們將會參考包括但不限於
the committee and finally approved by the Board of Directors of the
以下因素的過往經驗及預期未來展望，以釐定保單的
Company, including one or more Independent Non-Executive Directors.
終期紅利。
The Terminal Bonus will be reviewed and determined by us at least once
理賠：包括此保險計劃所提供的身故保障及其他保障的
per year. Terminal Bonus does not form a permanent addition to the
成本。
Policy. In determining the Terminal Bonus, we will take into account both
支出費用：包括與保單直接有關的支出費用（例如分銷 past experience and expected future outlooks for factors including, but
開支、核保費用、繕發和收取保費的支出費用）及分配至 not limited to, the following.
此保險計劃的間接開支（例如一般行政費用）。
Claims: These include the costs of providing coverage such as Death
投資回報：包括所投資的資產賺取的利息 / 紅利收入及市場 Benefit and other benefits under the insurance plan.
價格變動。投資表現會受利息 / 紅利收入之波動（利息 /
Expenses: These include both expenses directly related to the Policy
紅利收入和利率前景）以及各種市場風險因素如信貸息差、
(e.g. distribution costs, underwriting, issue and premium collection
違約風險、股票價格、房地產價格及商品價格之波動、
expenses) and indirect expenses allocated to the insurance plan
滙率（如投資資產貨幣與保單貨幣不同）及流動性而影響。
(e.g. general administrative costs).
退保：包括保單失效、退保、部分退保及其他扣減項目及
Investment performance: This includes interest / dividend income
保障支付，以及其對投資的相關影響。
and changes in the market value of the invested assets. Investment
為了提供更平穩的終期紅利，我們或會在投資表現強勁的 performance could be affected by fluctuations in interest / dividend
時期保留回報，用作在投資表現較弱的時期支持或維持 income (both interest / dividend earnings and the outlook for interest
較高之終期紅利，反之亦然。 rates) and various market risk factors, such as credit spread, default

2. 投資政策、目標及策略
risk, fluctuations in equity prices, property prices, commodity prices,

萬通保險國際有限公司（「萬通保險」）的投資目標是
exchange rates if the currency of the backing asset is different from the

優化保單持有人的長線回報並維持風險於可接受的水平。
policy currency, and liquidity risk, etc.

資產會被投放於不同類型的投資工具，可能包括環球股票、 Surrenders: These may include policy lapses, surrenders, partial

債券及其他固定收益資產、房地產、商品市場及另類投資 surrenders and other deductions and benefit payments; and the
等。此多元化之投資組合目的在於達到可觀且穩定的長線 corresponding impact on investments.
投資回報。
To provide more stable Terminal Bonus, we may retain returns during
我們會根據過往及預期回報、波幅及相關投資風險來選擇 periods of strong performance to support stronger Terminal Bonus in
投資的資產及管理我們的投資組合。 times of less favourable performance, and vice versa.

2. Investment Policy, Objective and Strategy

YF Life Insurance International Ltd.’s investment objective is to optimize
Policy Owners’ returns over the long term with an acceptable level of
risk. Assets are invested in a broad range of investment instruments,
which may include global equities, bonds and other fixed-income
instruments, properties, commodities and other alternative investment
assets. This diversified investment portfolio aims to achieve attractive
and stable long-term returns.

Past and expected future performance, volatility, and the associated

risks of investment assets are considered in selecting investment assets
and managing our investment portfolio.

17
為達至長線目標回報，萬通保險採用一套以固定收益資產 To achieve the long-term target returns, YF Life Insurance International Ltd.
及股票類資產為組合的投資策略。現時的長線投資策略按 implements a strategy utilizing a mix of fixed-income and equity-like
以下分配，投資在以下資產： instruments. The current long-term target strategy is to allocate assets
as follows:
資產類別 目標資產組合 (%)
債券及其他固定收益資產 35% - 100% Asset Class Target Asset Mix (%)

股票類資產 0% - 65% Bonds and other fixed-income instruments 35% - 100%

Equity-like assets 0% - 65%
債券及其他固定收益資產主要包括擁有高信用評級的政府
債券及不同行業的企業債券，提供一個多元化及高質素之 Bonds and other fixed-income instruments mainly include high-
債券投資組合。 credit-rated government bonds and corporate bonds across various
industries, creating a diversified credit portfolio with high asset quality.
股票類資產可能包括環球股票（公共及 / 或私募股權）、
互惠基金、交易所交易基金、高息債券、房地產、商品 Equity-like assets may include global equities (public and / or private),
市場及另類投資等。 mutual funds, exchange-traded funds, high yield debts, properties,
commodities and alternative investment assets.
投資遍佈於不同地區及行業。
Investments are diversified across geographical areas and industries.
此外，我們或會使用衍生工具作為風險管理之用，以減低
市場因素所帶來的風險，包括但不限於利率及貨幣風險。 Derivatives may be employed for risk management purpose to mitigate
market risks, including but not limited to interest rate and currency risk.
投資資產將涉及不同貨幣並有可能與保單貨幣不同。
為有效地管理及優化投資組合，我們可能在若干時期內 Investment assets may also be invested in currencies other than the
偏離上述目標。 underlying policy denomination.

投資策略或會不時根據市場環境及經濟展望而作變動。 There may be some degree of deviation from the above targets in
certain periods in order to manage the portfolio efficiently and to
相關詳情及分紅實現率資料請瀏覽本公司網頁：
optimize the portfolio return and risk.
香港：
In order to manage the portfolio efficiently and optimize the return and
[Link]
risk, this investment strategy may be subject to change, depending on
Individual/Services/Useful-Information/
Investment-Strategy the prevailing market conditions and economic outlook.

澳門：
For relevant details and fulfillment ratio, please visit our website:

[Link] Hong Kong:

Individual/Services/Useful-Information/ [Link]
Investment-Strategy Useful-Information/Investment-Strategy

主要產品說明 Macau:
繳付保費年期及保障年期 [Link]
您應就已選擇的繳付保費年期持續繳付保費。如在保費 Useful-Information/Investment-Strategy
到期日起計 31 天寬限期屆滿前仍未繳付保費，自動保費
貸款將會生效。如逾期未繳付的保費加上任何尚未償還
的保單債項到達保證現金價值扣除保單任何已支付或將 Key Product Disclosures
獲支付之嚴重疾病保障之賠償金額，保單的所有保障將 Premium Payment Term and Benefit Term
會終止，而於償還保單債項後所剩餘的現金價值（如有） You should pay the premium(s) in accordance with your selected
將會支付予您。 premium payment term. If the premium is not paid before the end of
保障年期最長可至受保人100歲。 the 31-day Grace Period from such premium due date, an Automatic
Premium Loan will be triggered. If the overdue premium plus any existing
保單借貸 loan balance reaches the Guaranteed Cash Value net of any previous
如保單有保證現金價值，您可提出借貸要求。最高借貸 Critical Illness Benefit paid or payable under the Policy, all coverage
限額為保證現金價值的90%扣除保單任何已支付或將獲 under the Policy will be terminated and the Cash Value (after deducting
支付之嚴重疾病保障之賠償金額。您可借貸的數額為借貸 any Policy Debt) will be paid to you (if any).
當日的最高借貸限額扣除任何尚未償還的保單債項。貸款
利息將由本公司釐定。如利息於保單週年當天尚未支付， The Benefit Term is up to age 100 of the Insured.
該數額便會被加於尚欠的貸款內。 Borrowing
If the Policy has a Guaranteed Cash Value, you can make loans. The
Maximum Loan Limit is 90% of the Guaranteed Cash Value net of any
previous Critical Illness Benefit paid or payable under the Policy. The
most you can borrow is an amount which together with any existing
Policy Debt does not exceed the Maximum Loan Limit on the date of the
loan. Interest will be charged at a rate determined by us. If interest is
not paid when due on each policy anniversary, it will be added to the
outstanding loans.

18
 延遲付款期 Deferred Payment Period
除非該筆借款是用作繳付由本公司簽發保單的保費，我們 We may delay making any loan for a period up to six months from the
有權押後借貸，最長不超過接獲書面借貸要求後六個月。 date we receive your written request, unless the loan is to be used to pay

終止
premium to us.

在下列任何情況下，保單將會終止： Termination
• 於保障到期日當日 The Policy will be terminated when one of the following events occurs:
• 在寬限期屆滿前，到期的保費仍未能繳付，除非自動 • On the Benefit Expiry Date
保費貸款適用 • The due premium is still unpaid at the end of the Grace Period, except
• 保單債項超過保證現金價值扣除保單任何已支付或將 if the Automatic Premium Loan applies
獲支付之嚴重疾病保障之賠償金額 • The amount of Policy Debt exceeds the Guaranteed Cash Value net of
• 保單持有人呈交書面要求終止保單 any previous Critical Illness Benefit paid or payable under the Policy
• 受保人身故 • The Policy Owner submits a written request to terminate the Policy
• 在受保人經確診患上嚴重疾病而需要作出嚴重疾病保障 • The Insured dies
的賠償後，該等嚴重疾病保障的賠償導致於保單內 • Upon the diagnosis of a Critical Illness of the Insured giving rise to
任何已支付或將獲支付之嚴重疾病保障總賠償額達到 payment of the Critical Illness Benefit which results in the total Critical
保單之基本保障額的100%。 Illness Benefit paid or payable under the Policy reaching 100% of the
當已支付或將獲支付的癌症現金保障每年保障總數目達到 Basic Sum Insured of the Policy.
十年保障，癌症現金保障將會終止。 The Cancer Income Benefit will be terminated when the total number of

提早退保
annual payments under this benefit paid or payable reaches 10 years of

本產品是為長線持有而設。如提早終止保單，您所獲得的
payments.

現金價值或會遠低於您的已繳保費。 Early Surrender

保費調整
The product is intended to be held in the long-term. Should you terminate

如接獲所需保費，保單會於每個保單週年獲續期一年。
the Policy early, you may receive a Cash Value considerably less than the

在每次續期時，萬通保險保留更改適用於同一風險級別
total premiums paid.

受保人的保費之權利，並會於保單週年日不少於30日前 Premium Adjustment

以書面通知您有關更改。保費會因應某些因素而作出調整， The Policy will be renewed at each policy anniversary for another one
這些因素包括但不限於萬通保險過去的索償紀錄及 year upon receipt of the payment of the required premium.
續保率、開支、預期未來的索償成本及投資環境。 YF Life Insurance International Ltd. reserves the right to change the

通脹風險
premium on each renewal for all Insureds of the same class, and notifies

在通脹下，未來生活費用將會增加，導致現有的預期保障
you the related changes by giving you a written notice no less than 30

可能無法滿足未來的需求。當實際通脹率較預期為高，
days prior to the policy anniversary. The major factors to consider for

即使萬通保險按保單條款履行合約義務，保單持有人獲得
premium adjustment include, but not limited to, the claim experience

的金額的實質價值可能較少。
and persistency experience of YF Life Insurance International Ltd.,
expenses, the expected claim costs in the future, and the investment
信貸風險 environment.
此計劃由萬通保險承保及負責，保單持有人的保單權益會
Inflation Risk
受我們的信貸風險所影響。若我們無法按保單的承諾履行
其財務責任，您可能損失保單的價值及其保障。
The current planned benefit may not be sufficient to meet future needs
due to higher living costs under inflation. Where the actual rate of
匯率風險 inflation is higher than expected, the Policy Owner might receive less
如選擇的保單貨幣並非本地貨幣，您須承受匯率風險。 in real terms even if YF Life Insurance International Ltd. meets all of its
匯率可能波動，因而影響您以本地貨幣計算時所需繳付 contractual obligations.
保費及利益的金額。
Credit Risk
因醫療而必須進行的 The Plan is underwritten by YF Life Insurance International Ltd. The
指符合以下所有情況： insurance benefits are held solely responsible by the Company and

因應診斷結果而施行一般慣常使用的醫治方法；
subject to our credit risk. If we are unable to satisfy the financial obligations
1.
2. 根據既定之良好醫療守則；�
of the Policy, you may lose the value of Policy and its coverage.

3. 並非就受保人及 / 或醫生之方便而進行。 Exchange Rate Risk

Should you choose a policy currency other than the local currency, you are
subject to exchange rate risk. Exchange rates fluctuate from time to time,
which may affect the premium and benefit amounts in local currency.

Medically Necessary
Means all of the following conditions are met:

1. Consistent with the diagnosis and customary medical treatment for

the condition;
2. In accordance with standards of good medical practice; and
3. Not for the convenience of the Insured and / or the Doctor.

19
合理及慣常的收費 Reasonable and Customary Charges
指因醫療而必須進行的及不超過由當地具有類似地位的 This means a charge for medical care which is Medically Necessary and
醫療服務機構於當地就相類同的疾病或受傷，為相同年齡 does not exceed the general level of charges being made by medical
和性別人士提供治療、醫療服務或供應品之一般標準收費。 service providers of similar standing in the locality where the charge is
合理及慣常的收費於任何情況下不得超過實際收費。 incurred for similar treatment, services or supplies to individuals of the
萬通保險可參考以下情況（如適用）決定有關醫療費用 same gender and age, for a similar disease or injury. The “Reasonable
是否為「合理及慣常的收費」﹕ and Customary” charges shall not in any event exceed the actual
1. 由當地政府憲報就其公立醫院為私家病人提供醫療服務 charges incurred. In determining whether an expense is “Reasonable and
所定的收費； Customary”, YF Life Insurance International Ltd. may make reference to
2. 醫療行業的收費調查； the followings (if applicable):
3. 內部保險賠償統計數據； 1. The gazette issued by the local government which sets out the fees for
4. 受保保障程度或水平；及 / 或 the private patient services in public hospitals;
5. 其他相關的參考資料。 2. Industrial medical fee survey;
如萬通保險之公司醫生認為任何醫院 / 醫療費用並非 3. Internal claim statistics;
合理及慣常的收費，萬通保險保留權利調整部份或全部 4. Extent or level of benefit insured; and / or
賠償金額。 5. Other pertinent source of reference.

不保事項
YF Life Insurance International Ltd. reserves the right to adjust any or all

因以下一種或多種情況而直接或間接引致的嚴重疾病，
benefits payable in relation to any hospital / medical charges which

將不獲賠償嚴重疾病保障及 / 或癌症現金保障及 / 或
in the opinion of the YF Life Insurance International Ltd.’s doctor is not a

臨床試驗藥物保障：
Reasonable and Customary charge.

• 在保障生效日期或批准復效日期 ( 以較後日期爲準 ) Exclusions

的六十日內出現的任何疾病； The Policy will not pay any benefit claim to a Critical Illness Benefit and /
• 在保障生效日期或批准復效日期 ( 以較後日期爲準 ) or Cancer Income Benefit and / or Experimental Drugs Benefit caused
前，所有受保人本身已存在的情況及按受保人已呈現 directly or indirectly, by or resulting from one or more of the following:
的病徵及病狀，受保人已知悉或據常理應該已知悉的 • Any diseases or illnesses which occurred within 60 days after the
情況； Effective Date of Coverage or the approval date of reinstatement,
• 自殺、企圖自殺或在神智不清醒、自傷身體或精神狀態 whichever is later;
異常的狀況下受傷； • All pre-existing conditions in respect of the Insured existed before the
• 藥癮、酗酒或因酒精或藥物中毒（除非由醫生處方）； Effective Date of Coverage or the approval date of reinstatement,
• 在戰爭（無論宣戰與否）中參與軍事服務； whichever is later, and presented signs and symptoms of which the
• 因戰爭（無論宣戰與否）、侵略、抗敵、民間騷動、 Insured has been aware or should reasonably have been aware;
叛亂或暴動引致的任何行動； • Suicide, attempted suicide or injuries due to insanity, self-infliction or
• 參與任何駕駛或騎術賽事、專業運動或需使用呼吸用具 functional disorder of the mind;
之潛水活動； • Drug addiction, alcoholism or intoxication by alcohol or drugs not
• 乘搭或駕駛任何飛機（除非為民航機的持票乘客）； prescribed by a Doctor;
• 犯法或企圖犯法、拒捕或參與任何刑事的非法行為； • Military services in time of declared or undeclared war;
• 任何人類免疫力缺乏症病毒及 / 或與此有關之病症， • Any act due to war, declared or undeclared, invasion, hostilities, civil
包括愛滋病及 / 或任何由此而產生的病症 (受保單嚴重 commotion, rebellion or riot;
疾病保障的經輸血感染人類免疫力缺乏病毒或因職業 • Engaging in or taking part in driving or riding in any kind of race;
感染人類免疫力缺乏病毒除外)；或 professional sports; underwater activities involving the use of
• 在保單計劃表或附加修訂文件內所有註明之不保情況 breathing apparatus;
(如有)。 • Travel in any aircraft, except as a fare paying passenger in a
commercial aircraft;
• Violation or attempted violation of the law or resistance to arrest or
participation in any criminal act;
• Any Human Immunodeficiency Virus (HIV) and / or any HIV-related
illnesses including Acquired Immune Deficiency Syndrome (AIDS) and /
or any mutations, derivation or variations thereof (except the Critical
Illness covered under HIV through Blood Transfusion or Occupationally
Acquired HIV in the Policy); or
• All excluded condition(s) as specified in the Policy Schedule or
endorsement(s), if any.

20
 受保人若在保單日期或批准保單復效申請當日（以較後 If the Insured commits suicide, whether sane or insane, within one year
日期計算）起計一年內自殺，無論其是否在神智清醒的 from the Policy Date or within one year from the date we approve the
情況下，萬通保險的全部責任將只限於退還已支付之保費 reinstatement application, whichever is later, the total liability of YF Life
（扣除已支付或將獲支付之賠償額及保單債項（如有））， Insurance International Ltd. shall be limited to the premiums paid less any
或現金價值，以較高者為準。 benefit amount that has been paid or is payable and Policy Debt (if any),

請參閱保單條款有關各項保障的詳細不保事項。
or Cash Value, whichever is higher.

提供資料責任及未符合這要求的後果
Please refer to policy provisions for the details of the exclusions of the

保單是基於您和受保人於投保申請內提供給我們的資料。
respective benefits.

重要的是，您和受保人對所提供的所有資料都是真實和 Duty of Disclosure and the Consequences of Not Making Full Disclosure
準確的，因為這些資料有助於我們決定您和受保人是否 The Policy is based on the information you and the Insured gave us
符合保單的資格。如果您或受保人提供給我們的資料 in your insurance application. It is important that you and the Insured
不準確、誤導或被誇大，您應該立即通知我們。如您或 were truthful and accurate with all of the information provided, as this
受保人未有提供準確及真實的資料，或您或受保人提供 information helped us to decide if you and the Insured were eligible for
誤導或被誇大的資料，保單的保障可能會受到影響。 the Policy. You should let us know immediately if the information you or

於保單作為依據的投保申請內，或任何足以影響保單的
the Insured gave us was inaccurate, misleading, or exaggerated. If you

任何事項、或有關依據保單提出任何索償事宜中，如有
or the Insured did not provide accurate and truthful information, or you

任何詐騙、關鍵性的錯誤陳述或隱瞞，我們有絕對權決定
or the Insured gave misleading or exaggerated information, the benefits

保單自成立之日起無效及保單的所有索償失效。任何已
under the Policy may be affected.

支付的保費，將在此情況下不被發還及沒收。 If there is any fraud, material misstatement or concealment in the

索償程序
insurance application on which the Policy is based, or in relation to any

有關索償程序，請瀏覽本公司網頁：
other matter affecting the Policy, or in connection with the making of any
claim under the Policy, we shall have the sole and absolute discretion to
香港：[Link] render the Policy null and void from the date of inception and forfeit all
Individual/Services/Claims-Corner claims. Any premium paid shall not be refundable and shall be forfeited.

澳門：[Link] Claims Procedures

Services/Claims-Corner For details of the procedures for making claims, please refer to our

保費徵費（只適用於香港）
website at:

保監局會透過保險公司向所有保單持有人，為其於香港繕發 Hong Kong: [Link]

之保單，於每次繳付保費時收取徵費。有關徵費之詳情， Claims-Corner
請瀏覽保監局網站專頁[Link]/tc/levy。
Macau: [Link]
保單冷靜期及取消保單的權利 Corner
如保單未能滿足您的要求，您可以書面方式要求取消
Premium Levy (Applicable to Hong Kong only)
保單，連同保單退回本公司（香港：香港灣仔駱克道33號
萬通保險大廈27樓 / 澳門：澳門蘇亞利斯博士大馬路320號
The Insurance Authority (IA) collects levy on insurance premiums from

澳門財富中心 8 樓 A 座），並確保本公司的辦事處於交付
policy holders through the Company for insurance policies issued

保單的 21個曆日內，或向您 / 您的代表人交付《通知書》

in Hong Kong. For details about the levy, please visit the dedicated

（說明已經可以領取保單和冷靜期屆滿日）後起計的 21個
webpages at [Link]/en/levy.

曆日內（以較早者為準）收到書面要求。於收妥書面要求 Cooling-off Period and Right of Cancellation

後，保單將被取消，您將可獲退回已繳保費金額及您所 If you are not satisfied with the Policy, you may return it under a signed
繳付的徵費（適用於香港），但不包括任何利息。若曾獲 covering letter to us (Hong Kong: 27/F, YF Life Tower, 33 Lockhart Road,
賠償或將獲得賠償，則不獲發還保費。 Wanchai, Hong Kong / Macau: Avenida Doutor Mario Soares No. 320,

期滿及退保
Finance and IT Center of Macau, 8 Andar A, Macau) within 21 calendar

如需申請退保，您只需填妥、簽署並寄回由本公司提供的
days after the delivery of the Policy or delivery of the Notice (which

特定表格，本公司將安排退保事宜。
states that the Policy is available for collection and the expiry date of the
cooling-off period) to you or your representative, whichever is earlier.
於保單期滿時，本公司將致函通知您，並會安排保單終止 We will cancel the Policy upon receipt of your written request and refund
事宜。 all premiums and levy you paid (applicable to Hong Kong), without any
interest. No refund can be made if a benefit payment has been made, is
to be made or impending.

Maturity and Surrender

You may surrender the Policy by submitting a written request on the
forms prepared for such purposes. We will arrange the policy surrender.

Upon policy maturity, we will send a notification letter to you and will
arrange policy termination accordingly.

21
加護續航糖尿保險計劃由萬通保險國際有限公司（「萬通保險」）承保。您可以選擇單獨投保此計劃，毋須同時投保其他類型
的保險產品，除非該計劃只設附加保障選項，而必須附加於基本計劃。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。此產品冊子不能作為萬通保險與任何人士或團體所訂立之任何合約。
此產品冊子僅旨在香港 / 澳門傳閱，不能詮釋為萬通保險在香港 / 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。您和相關各方應尋求
獨立的財務、稅務及法律建議。
儘管萬通保險已謹慎處理此產品冊子所載列之資料，但萬通保險並不會對其內容的準確性作任何明示或暗示擔保，亦不會
承擔任何相關責任。若內容與相關保單合同之間存在任何不一致或歧義，則以相關保單合同為準。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。
CritiCare Continuation Diabetes Insurance Plan is underwritten by YF Life Insurance International Limited ("YF Life").
You can always choose to take out these plans as a standalone plan without enrolling with other type(s) of
insurance product at the same time, unless such plans are only available as a supplementary benefit which needs
to be attached to a basic plan. 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 / policy documents for exact benefit coverage, terms and conditions and exclusions. This product
brochure does not represent a contract between YF Life and anyone or any entity else.
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 sale or provision of any insurance product of
YF Life 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. You and other interested parties should seek independent financial, tax, and
legal advice.
Although care is taken in preparing this product brochure, YF Life disclaims any express or implied warranty as
to the accuracy of the content and any liability with respect to it. In the event of any conflict or inconsistency
between the contents of this product brochure and the relevant policy contracts, the relevant policy contract
shall prevail. 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.
客戶服務

PSP-213-V1-0825B-C (50-20250801024)
香港：香港尖沙咀廣東道�號港威大廈�座��樓����室
澳門：澳門蘇亞利斯博士大馬路���號澳門財富中心�樓A座
萬通保險客戶服務熱線：香港(���) ���� ���� 澳門(���) ���� ����
中國內地免費熱線：香港 ��� ��� ���� 澳門��� ��� ����

Customer Service
Hong Kong: Suite 1211, 12/F, Tower 6, The Gateway,
9 Canton Road, Tsimshatsui, Hong Kong
Macau: Avenida Doutor Mario Soares No. 320,
Finance and IT Center of Macau, 8 Andar A, Macau
Customer Service Hotline: Hong Kong (852) 2533 5555
Macau (853) 2832 2622
Mainland China Toll-Free: Hong Kong 400 842 3983
Macau 400 842 3607

萬通保險國際有限公司（萬通保險）的主要權益股東*包括擁有���年歷史、美國
五大壽險公司**之一的Massachusetts Mutual Life Insurance Company
（美國萬通）
，以及雲鋒金融控股有限公司等。
萬通保險與Barings（霸菱）為長久戰略合作夥伴，憑藉獨佔鰲頭的環球投資實力
與合作網絡，攜金融科技創新強勁動能，居香港保險業領先地位。
*美國萬通及雲鋒金融控股有限公司為間接持有萬通保險國際有限公司的股份。
**美國五大壽險公司乃按����年�月�日《FORTUNE ���》公佈的「互惠壽險公司」
及「上市股份壽險公司」����年收入排行榜合併計算。

The major shareholders* of YF Life Insurance International Limited

(YF Life) include Massachusetts Mutual Life Insurance Company
(MassMutual), which itself has 174 years of experience and is one of
the Five Largest US Life Insurance Companies**, as well as Yunfeng
Financial Holdings Limited, among others.
YF Life is a long-term strategic partner of Barings. We stay at the
forefront of Hong Kong’s insurance industry with our superior global

innovation.
* MassMutual and Yunfeng Financial Holdings Limited have indirect
shareholdings in YF Life Insurance International Limited.
** The “Five Largest US Life Insurance Companies” are ranked
according to the results of “Insurance: Life, Health (Mutual)” and 《彭博商業周刊》 《iMONEY智富雜誌》
“Insurance: Life, Health (Stock)” on total revenues for 2024, and based 金融機構大獎2023 財富管理大獎2024

on the FORTUNE 500 as published on June 2, 2025. 危疾保障 - 傑出大獎 最受歡迎危疾保障

萬通保險國際有限公司
YF Life Insurance International Ltd.
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