¹ Calculated based on the standard premium of a 20-year-old non-smoking female insured with a Sum Assured of HKD500,000 of Chubb First Guardian Triple Protection Plan (Plan 1). The actual Premiums vary from person to person. The above Premiums have been rounded to the nearest integer. Premiums are not guaranteed. You should refer to the Premium Table for the current scale of Premium. Please also refer to the “Key Product Risks – Premium Adjustment” under the “Important Information” section in the product brochure for Premium adjustment factors.

² Source: Internal claims data 2022, Chubb Life Insurance Hong Kong Limited (Incorporated in Bermuda with Limited Liability). 

³ Designated participating whole life insurance plan or participating critical illness protection insurance plan can be converted by Owner without re-underwriting starting from the 10th Policy Anniversary, provided that no Minor Illness Benefit and/or Major Illness Benefit have been paid or become payable under the existing Policy.

The following are the impacts of converting the existing Policy to a New Policy:

a. The Insured of the existing Policy and the New Policy should be the same. Owner of the existing Policy will be the owner of the New Policy. 

b. Cooling off does not apply to the New Policy.

c. The time period under the suicide exclusion and the incontestability clauses in the New Policy will start from the Date of Issue of the existing Policy, the date of last reinstatement of the existing Policy or the date of last reinstatement of the New Policy, whichever is the latest. 

d. In respect of Minor Illnesses and Major Illnesses covered under the existing Policy, the waiting period for claiming the same under the New Policy will start from the Date of Issue of the existing Policy or the date of last reinstatement of the existing Policy or the date of last reinstatement of the New Policy, whichever is the latest.

e. The existing Policy will be terminated upon conversion and the conversion is irrevocable upon taking effect.

⁴ During  the lifetime of the Insured and while the Policy is in force, you can claim Accidental Hospitalization Benefit if the Insured, as a result of an Injury and upon the recommendation of a Registered Medical Practitioner, is under Confinement; or undergoes any Day-Surgery. We will reimburse the Reasonable and Customary charges and expenses actually incurred within 12 months from the date of Accident. Accidental Hospitalization Benefit is subject to the restriction in the choice of ward class stated in the Policy provisions. The aggregate amount of all Accidental Hospitalization Benefit and Extended Outpatient Benefit paid or payable for each Accident and during each policy year (irrespective of number of Accidents) shall not exceed 5% of the Sum Assured. The aggregate amount of all Accidental Hospitalization Benefit and Extended Outpatient Benefit paid or payable under this Policy shall not exceed 100% of the Sum Assured. 

⁵ During the lifetime of the Insured and while the Policy is in force, you can claim Extended Outpatient Benefit if the Insured, as a result of an Injury and upon the recommendation of a Registered Medical Practitioner,

a. undergoes any out-patient treatment for ligament tear or tendon rupture, bone fracture, or dislocation (please refer to the Policy provisions for details of the covered sites and bones as well as exclusions), provided that such charges and expenses are incurred within 12 months from the date of Accident;

b. sustains an Injury and is treated on out-patient basis in the out-patient department of a Hospital within 24 hours of the Accident; or

c. undergoes emergency dental treatment of sound natural teeth (including consultation, staunch bleeding, tooth extraction, root canals and x-ray) that arises solely and independently from an Accident, provided that such treatment is provided within 31 days from the date of Accident and in a legally registered dental clinic or Hospital.

The aggregate amount of all Extended Outpatient Benefit paid or payable for each Accident and during each policy year (irrespective of number of Accidents) shall not exceed 1% of the Sum Assured. The aggregate amount of all Accidental Hospitalization Benefit and Extended Outpatient Benefit paid or payable for each Accident and during each policy year (irrespective of number of Accidents) shall not exceed 5% of the Sum Assured. The aggregate amount of all Accidental Hospitalization Benefit and Extended Outpatient Benefit paid or payable under this Policy shall not exceed 100% of the Sum Assured. Benefit payable for Extended Outpatient Benefit is limited to a maximum of 1 visit per day. We will reimburse the Reasonable and Customary charges actually incurred excluding expenses incurred for bone-setting and acupuncture treatment.

⁶ The Policy will forthwith be terminated on the date of initial diagnosis of the relevant Major Illness for which the Major Illness Benefit has been paid or becomes payable. For the avoidance of doubt, you must continue to pay the Premium of the Basic Plan until the claim is approved by us. Following our approval, any surplus of Premium paid for the period after the date of initial diagnosis of the relevant Major Illness will be refunded to you without any interest. The aggregate amount of all Minor Illness Benefit and/or Major Illness Benefit payable under this Policy shall not exceed 100% of the Sum Assured.

⁷ In the unfortunate event of the Insured passing away, a Death Benefit of up to 100% of the Sum Assured will be payable, provided that no Major Illness Benefit has been paid or becomes payable under the Policy.

The Plan is a standalone product. You can purchase this product without bundling with other insurance products.

This webpage is for general reference only and should not be regarded as professional advice, recommendation and it is not part of the policy. It provides an overview of the key features of the product and should be read along with other materials which cover additional information about the product. Such materials include, but not limited to, product brochure that contains key product risks, policy provisions that contain exact terms and conditions, benefit illustrations (if any) and other policy documents and other relevant marketing materials, which are all available upon request. You might also consider seeking independent professional advice if needed.

The above information shall not be construed as an offer to sell, solicitation or persuasion to buy or provision of any of our products outside Hong Kong. For further information, please call our Customer Service Center Hotline at (852) 2894 9833.

“Chubb Life”, “Chubb Life Hong Kong”, “Company”, “we”, “our” or “us” herein refers to Chubb Life Insurance Hong Kong Limited (Incorporated in Bermuda with Limited Liability).