VCare Cancer Protector is designed for individuals looking for medical protection against cancer. It relieves you of financial burden by reimbursing the medical expenses on cancer treatment and rehabilitation and providing a series of additional caring benefits.
Comprehensive Protection against Cancer1
VCare Cancer Protector provides you comprehensive protection against cancer which include both cancer2 and carcinoma-in-situ3 (“Covered Cancer4”). It has two plan options for your selection. Upon diagnosis of a Covered Cancer, it provides full cover of relevant medical expenses5 relating to diagnostic benefit, hospitalisation and surgery, outpatient, reconstructive surgery benefit and monitoring benefit on reimbursement basis, up to a maximum of HK$1,500,000 per Covered Cancer Limit6 and HK$4,500,000 per Lifetime Limit7. You can focus on necessary and proper treatment without worrying about the financial distress that cancer may bring.
A Series of Additional Benefits for Enhanced Protection1
The battle with cancer can be frustrating during treatment. VCare Cancer Protector provides a series of additional benefits to cover the medical expense on ancillary services, psychological counselling, home nursing and medical appliances, addressing your physical and mental needs.
Upon diagnosis of a Covered Cancer of the insured, premium of this plan will be waived for one year. Besides, a lump sum cash benefit will be payable. In the event of the insured’s death, a compassionate death benefit will be paid to the beneficiary.
Guaranteed Renewal and Protection till Age 100
Regardless of your health conditions and claims history, VCare Cancer Protector is guaranteed renewable annually till age 100 of the insured. The Premium, Benefit Schedule and terms and conditions may be determined by the Company at the time of renewal.
The Company reserves the right to revise the Premium, terms and conditions and the Benefit Schedule. We shall notify changes to you in writing at least 30 days prior to the policy anniversary.
Cancer means a malignant tumour characterized by the uncontrolled growth and spread of malignant cells and the invasion of normal tissues. It should be confirmed by histological evidence of malignancy on a pathology report including leukaemia but excluding i) any lesions described as pre-malignant, non-invasive or carcinoma-in-situ; ii) any non melanoma skin cancer of AJCC stage I or below; iii) all tumours in the presence of any human immunodeficiency virus; or iv) Chronic Lymphocytic Leukaemia (CLL) at RAI Stage 0 or less.
Carcinoma-in-situ means a focal autonomous new growth of carcinomatous cells which has not yet resulted in the invasion of normal tissues. “Invasion” means an infiltration and/or active destruction of tissue or surrounding tissue beyond the basement membrane. Diagnosis of carcinoma-in-situ must be supported by a histopathological biopsy report and confirmed by a registered specialist in the relevant field. Clinical or cytological diagnosis alone does not meet this standard. For Carcinoma-in-situ of Cervix Uteri, it must be at a grading of CIN III – which has been confirmed by histopathology as Carcinoma-in-situ. For Carcinoma-in-situ of Prostate Gland, it must be at a grading of Prostatic Intraepithelial Neoplasia (PIN III) – which has been confirmed by histopathology as Carcinoma-in-situ.
For more than one Covered Cancer, the latest Covered Cancer will be considered as the single and same Covered Cancer as the immediately preceding Covered Cancer and will share the same per Covered Cancer Limit with the immediately preceding Covered Cancer for the purpose of calculating the benefits payable except: i) The latest Covered Cancer and the immediately preceding Covered Cancer are of different histopathology, and the date of first diagnosis of the latest Covered Cancer and that of the preceding Covered Cancer are separated by at least one year; ii) The latest Covered Cancer and the immediately preceding Covered Cancer are of the same histopathology, and the latest Covered Cancer is not a recurrence or metastasis of the immediately preceding Covered Cancer, and the date of first diagnosis of the latest Covered Cancer and that of the immediately preceding Covered Cancer are separated by at least one year; or iii) The latest Covered Cancer and the immediately preceding Covered Cancer are of the same histopathology, ♦ the latest Covered Cancer is a recurrence or metastasis of the immediately preceding Covered Cancer; and ♦ the dates of first diagnosis of the preceding Covered Cancer and the latest Covered Cancer are separated by at least five years; and ♦ the immediately preceding Covered Cancer has been once in complete remission within five years (such state is verified by a registered specialist and supported by clinical, imaging or other laboratory investigations).
Excluding any confinement, surgery and/or medical treatment for which compensation or reimbursement is payable under any law, medical program, or insurance policy provided by any government, company or other insurer except to the extent that such charges are not reimbursed by such law, medical program or insurance policy.
Per Covered Cancer Limit means the aggregate maximum amount of all benefits (applicable to diagnostic benefit, hospitalisation and surgery, outpatient, reconstructive surgery and monitoring benefit) paid and payable for one Covered Cancer under all in-force and terminated VCare Cancer Protector covering the same insured.
Per Lifetime Limit means the aggregate maximum amount of all benefits (applicable to diagnostic benefit, hospitalisation and surgery, outpatient, reconstructive surgery benefit and monitoring benefit) paid and payable under all in-force and terminated VCare Cancer Protector covering the same insured.
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 contact your Chubb Life Hong Kong Insurance Consultant or call our Customer Service Center Hotline at (852) 2894 9833.
The “Chubb Life Hong Kong”, “Company”, “we”, or “our” herein refers to Chubb Life Insurance Company Ltd. (Incorporated in Bermuda with Limited Liability).