"The greatest wealth is health." Being healthy, you and your family can lead a prosperous and wonderful life. However, the pressures of modern life can make us vulnerable to critical illnesses.
Younger Critical Illness Patients: Over the past five years, the number of hospitalizations due to critical illnesses, such as cancer, heart attack, kidney failure and stroke, reached over 2.2 million. Over 46% of the hospitalizations were due to the number-one killer disease - cancer*. In addition, critical illnesses are now striking patients at a younger age.
Soaring Medical Costs: With advanced medical science and prompt quality treatment, the chances of recovery from a critical illness are very high. However, with soaring medical treatment and pharmaceutical costs, a critical illness will also represent a major financial burden for patients and their families.
Huge Convalescence Expenses: The The patient will very likely suffer loss of income resulting from the inability to work. Living expenses during convalescence will also contribute an extra burden.
If you were stricken by a critical illness, how could you effectively transfer the financial risk to avoid wiping out your savings and becoming a burden on your family?
For the past five years, the number of hospitalizations due to critical illnesses has shown a steadily increasing trend.
MassMutual Asia proudly presents you its Critical Illness Supreme 100+ Premium Refundable Plan (Critical Illness Supreme). The plan offers supreme whole-life protection and comprehensive financial support to buffer you and your family from the financial impact of a critical illness and to provide you with extra peace of mind.
Coverage of 56 Critical Illnesses
The Critical Illness Supreme 100+ covers up to 56 critical illnesses. Upon diagnosis of any one of the critical illnesses covered, you will receive an immediate lump-sum payment1. It can be used at your discretion to
help relieve any financial burden.
Cash Value － The sum of the guaranteed "Refund of Premium" and the non-guaranteed "Terminal Bonus"
Refund of Premium
－ From the 15th policy anniversary onwards, 100% of Total Premium Paid 3 will be refunded .
Terminal Bonus － From the 15th policy anniversary onwards, the "Terminal Bonus" will be declared annually for the following twelve-month period and will be payable upon the death of the Insured, the total benefit payment being 100% of the Basic Sum Insured, or upon the maturity or surrender of the policy.
Coverage of 8 Carcinoma-in-situ/Early Stage Cancers
The plan also covers eight types of Carcinoma-in-situ/Early Stage Cancers. This prompt and adequate financial support allows you to receive quality treatment and convalescent care without worrying about
the cost.
Coverage of 8 Severe Child Diseases
Whole Life Protection up to Age 100
You can enjoy absolute peace of mind, knowing that the benefit term of the plan is up to age 100. You may also select from three premium payment term options - 10 Years, 15 Years and 20 Years. Best of all, beyond the premium payment term, you will continue to enjoy full protection without paying any further premiums.
100+
Refund of Premium
Effective from the 15th policy anniversary onwards, if you surrender the policy, the plan offers you a guaranteed "Refund of Premium" without deduction of any claims paid. In addition, a non-guaranteed "Terminal Bonus" will be offered at the same time so that you can enjoy a higher potential return.
Extension of Life Protection
To ensure that you are well protected at all times, you may opt for taking out a permanent life insurance plan6. This option is valid 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 Basic Sum Insured under the plan, without the need to provide proof of insurability. The maximum Sum Insured can be up to 100% of the total benefit made under the plan.
Extra Life Protection
In the unfortunate event of the death of the Insured, the plan will pay the death benefit to your designated beneficiary in order to provide immediate support and cushion the financial impact.
MediNet Pro
Second Medical Opinion Provided by US Medical Specialists7 — If the Insured has been diagnosed with one of the critical illnesses covered, our unique MediNet Pro scheme allows alternative medical advice to be sought, on the illness and methods of treatment available, from renowned medical specialists at leading hospitals in the USA.
Quality Treatment Referrals in the USA7 — In addition, MediNet Pro can refer the Insured, if diagnosed with one of the above critical illnesses, to a hospital network in the USA to receive quality treatment at a discounted price. Currently, more than 4,000 US hospitals are members of the MediNet Pro network.
1. The maximum amount of the sum of Critical Illnesses, Carcinoma-in-situ / Early Stage Cancer and Severe Child Diseases benefit payable is equal to "the sum of 100% of the Basic Sum Insured and non-guaranteed Terminal Bonus" or "Cash Value", whichever is higher. This policy shall terminate upon payment of the maximum claim amount.
2 With the deduction of any claim benefits paid.
3 The calculation of total premiums paid is based on the annual modal premium.
4 Within the benefit term, "Carcinoma-in-situ / Early Stage Cancer" can be claimed once only. Benefit payment for "Carcinoma-in-situ / Early Stage Cancer" is 30% of the Basic Sum Insured, subject to a maximum aggregate benefit of US$30,000 / HK$ / MOP240,000 under all benefits issued by the Company under the same Insured.
5 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. Within the benefit term, the "Severe Child Disease" benefit can be claimed once only. Benefit payment for "Severe Child Disease" is 30% of the Basic Sum Insured, subject to a maximum aggregate benefit of US$30,000 / HK$ / MOP240,000 under all benefits issued by the Company under the same Insured.
6 Only applicable to the Insured aged below 76. Please refer to the policy document for the terms and conditions of the insurance application.
7 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.
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.