What is your “prime” choice? Wealth, status, love or family?... In fact, good health is what enables us to pursue our life goals and enjoy life the most. However, life is unpredictable......
Knowing that good health is your prime concern, MassMutual Asia is proud to offer you its PrimeHealth Benefit. With comprehensive coverage of up to 116 illnesses, this supplementarty benefit provides total peace of mind.
Coverage of 116 Illnesses
PrimeHealth Benefit covers up to 53 Critical Illnesses, 38 Early Stage Diseases, and 17 types of Carcinoma-in-situ/Early Stage Cancer, as well as 8 Severe Child Diseases. Upon diagnosis of any one of the illnesses covered, you will receive an immediate lump-sum advance payment from the life insurance plan of up to 100% of the Sum Insured1. It allows you to receive timely and quality treatment relieve you from the financial burden due to loss of income during the period of convalescence, giving you extra peace of mind.
Extension of Life Protection
We understand that you may like to give extra protection to your family, if diagnosed with a critical illness. Therefore, you may opt to take out a permanent life insurance plan2 within 90 days following the end of one year after the diagnosis of a critical Illness with the total benefit claims reaching 100% of the Sum Insured, without the need to provide any satisfactory proof of insurability. The Sum Insured may be up to 100% of the total benefit claimed.
MediNet Pro
Currently, more than 4,000 US hospitals are members of the MediNet Pro network. If the Insured has been diagnosed with any of the covered illnesses, the following services are available: 1) second medical opinion provided by US medical specialists3, and 2) quality treatment referrals in the USA3 – the Insured can receive quality treatment at a discounted price.
1. Upon payment of benefit, the Sum Insured of this supplementary benefit and the basic plan/term life supplementary benefit(s) to which this supplementary benefit is attached will be reduced accordingly. The maximum amount of the sum of “Critical Illnesses”, “Early Stage Diseases”, “Carcinoma-in-situ/Early Stage Cancers”, and “Severe Child Diseases” benefit payable is equal to 100% of the Sum Insured of this supplementary benefit. This supplementary benefit shall terminate upon payment of 100% of the Sum Insured.
2. Only applicable to the Insured aged below 76.
3. MediNet Pro is provided by Inter Partner Assistance Hong Kong Ltd. The current administration fee for each Second Medical Opinion is HK$500. For each referral to medical treatment in the USA, the current administration fee is US$500. The Insured is also responsible for paying the administration fee and for any medical treatment and other related costs in the USA. Inter Partner Assistance Hong Kong Ltd. reserves the right to review the price and the number of hospitals from time to time without prior notice.
4. 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.
5. Renewal premium is based on the Insured’s attained age and the premium rate in effect.
6. The maximum aggregate Sum Insured of all PrimeHealth Diabetes Care, Supplementary Cancer Benefit, PrimeHealth Saver 1000, PrimeHealth Extra Saver, PrimeHealth Benefit, PrimeHealth Extra Care, PrimeHealth Saver 100+, Critical Illness Supreme 100+ Premium Refundable Plan, Critical Illness Supreme Benefit, Critical Illness Plus 100% Premium Refundable Plan, Critical Illness Benefit, Critical Illness Extra Benefit, Critical Illness Double Benefit, Comprehensive Cancer Benefit, Total and Permanent Disability Benefit and Update Jr. Health Benefit under the same Insured with the Company is US$1,500,000/HK$/MOP12,000,000.
7. Coverage for ‘Total and Permanent Disability’ is only applicable to Insured aged 18 to 65.
8. Up to two types of Carcinoma-in-situ/Early Stage Cancers benefit can be claimed once each. Benefit payment is 30% of the Sum Insured, subject to US$30,000/HK$/MOP240,000 per life limit under all benefits issued by the Company.
9. The Severe Child Disease benefit can be claimed once only. Benefit payment is 30% of the Sum Insured, subject to US$30,000/HK$/MOP240,000 per life limit under all benefits issued by the Company. Only applicable when the Insured is first diagnosed with a Severe Child Disease before the policy anniversary on or following the Insured’s 25th birthday.
10. Each covered Early Stage Disease can be claimed once within the benefit term; the benefit payment is 30% of the Sum Insured. Angioplasty and Other Surgeries for Coronary Artery can be claimed up to two times. Benefit payment for Cerebral Aneurysm Requiring Surgery is 50% of the Sum Insured.
11. Benefit payment for Minimally Invasive Direct Coronary Artery By-pass / Diabetic Retinopathy / Endovascular Treatment of Peripheral Arterial Disease/ Angioplasty and Other Surgeries for Coronary Artery is 30% of the Sum Insured, subject to US$30,000/HK$/MOP240,000 per life limit under all benefits issued by the Company.
12. Benefit payment for Osteoporosis with Fractures is 30% of the Sum Insured, subject to US$15,000/HK$/MOP120,000 per life limit under all benefits issued by the Company, and the maximum protection coverage is up to age 70.
13. Benefit payment for Accidental Reconstructive Surgery is 30% of the Sum Insured or the actual amount of hospitalization and medical expenses not yet reimbursed by other medical plans (whichever is lower), subject to US$30,000/HK$/MOP240,000 per life limit under all benefits issued by the Company.
Remarks: For the definition of each “Critical Illness”, “Early Stage Disease”, “Carcinoma-in-situ / Early Stage Cancer”, and “ Severe Child Disease”, please refer to the policy document.
The above content contains general information and is for reference only. Please refer to the policy document for benefit coverage and exact terms and conditions. For enquiries, please contact our consultants, franchised agents or brokers, or call our Customer Service Hotline: Hong Kong (852) 2533 5555.