Forever Diamond Plan II

¹ The Happy Check Event Bonus is equal to 5% of latest Notional Amount and requires the application to meet certain conditions under the Policy.

² While your Policy is in force and all Premiums due in respect of the Forever Diamond Plan II have been paid in full, we will pay you a Guaranteed Cash Coupon on each Policy Anniversary commencing from the specific Policy Anniversary till the Maturity Date.

³ While the Policy is in force and all Premiums due in respect of the Forever Diamond Plan II have been paid in full, we will declare Annual Dividend for your Policy annually starting from the 13th Policy Anniversary. The amount to be declared is determined by us at our sole discretion.

⁴ The Policy will be entitled to Terminal Dividend after it has been in force for 10 years from the Policy Date. The amount of Terminal Dividend will be determined by us based on the Notional Amount.

⁵ On or after the 10th Policy Anniversary while the Policy is in force and the Insured is alive during the application, you may change the Insured if conditions are fulfilled.

⁶ The Insured can only be changed once under your Policy and only on or after the 10th Policy Anniversary while the Policy is in force and conditions are fulfilled.

(i)  These case studies are purely fictional and are for illustrative purposes only. Any relation to or reference to any actual person, party or event is purely coincidental. The nature of these case studies should not be interpreted as any comment on, or confirmation or extension of, insurance coverage for any past, present or future case. Furthermore, these case studies should not be relied upon to predict the outcome of any actual case as all cases are evaluated on their own individual merits and subject to the actual terms and conditions of the relevant Policy. It is important to note that each actual case is unique.

(ii) Figures are based on current projection and rounded to the nearest whole number.

(iii) These case studies involve some assumptions, including the following:

a. All Premiums are paid in full when due and insurance levy is not included;

b. No Policy loans or Premium Holiday are taken throughout the Policy term;

c. No Successor Owner has been designated;

d. The Notional Amount of Forever Diamond Plan II and the premium payment mode remain unchanged throughout the Policy term;

e. The Owner applied to withdraw from the accumulated Guaranteed Cash Coupons.  If the accumulated Guaranteed Cash Coupons are insufficient to pay for the withdrawals, the interest of the accumulated Guaranteed Cash Coupons will then be taken out to pay for the withdrawal.  When more funds are required, the accumulated Annual Dividends and the interest of accumulated Annual Dividends will be taken out to pay for the withdrawal. The interest accumulation rate applied in these case studies are 4.0% per annum which is non-guaranteed and subject to change by the Company from time to time; and

f.  Projected Surrender Value is the sum of guaranteed Cash Value, the Accumulated Coupons, Accumulated Annual Dividends, Terminal Dividend and Happy Check Event Bonus and its accumulated interest. Annual Dividend and Terminal Dividend included in the projection of non-guaranteed benefits are based on the Company’s current assumed dividends scales which are not guaranteed and are determined by the Company from time to time and based on the Company’s experiences and expectation of a series of factors including but not limited to investment return, claims, policy surrenders and expenses. The actual amount of Surrender Value payable may change anytime with the values being higher or lower than those illustrated.

(iv) The Owner must have adequate insurable interest in the proposed New Insured and/or Successor Insured in accordance with our prevailing underwriting requirements and we may require explanation or proof of such insurable interest.

(vi) Written requests are required for change of Insured, naming the Successor Insured and making Cash Withdrawal.  Such requests are valid only if recorded and approved by us.  Please refer to the policy provision of this product for the exact terms and conditions.

¹ 以20歲非吸煙女性投保「全首護三重保障計劃」 HK$500,000保額的標準保費計算。實際保費因人而異，以上保費已四捨五入至最接近的整數，保費不作保證。請參閱保費表以瞭解當前的保費標準。請參閱本產品介紹冊中 「重要資料」部分的 「主要產品風險 - 保費調整」一節，以了解保費率的調整因素。

² 資料來源: 2022年安達人壽保險賠償內部數據，安達人壽保險香港有限公司 。

³ 指定的終身人壽分紅保險計劃或危疾分紅保險計劃可由第十個保單週年日起，投保人可轉換計劃而毋須重新核保，只要現有計劃內的保單沒有曾支付或將需支付的非嚴重疾病保障和/或嚴重疾病保障。

以下為轉保至新保單的影響：

a. 現有保單及新保單的受保人必須為同一人。您將成為新保單的保單持有人。

b. 冷靜期不適用於新保單。

c. 新保單中的自殺免責及不得爭議條款規定的時期，將由現有保單的簽發日或本保單的最後復效日期或新保單的最後復效日期（以最後者為準）開始。

d. 就任何現有保單保障之非嚴重疾病及嚴重疾病，在新保單下索償同一疾病之等候期將由現有保單的簽發日、現有保單的最後復效日期或新保單的最後復效日期（以最後者為準）開始。

e. 現有保單將於轉保後終止，而轉保生效後不可撤回。

⁴ 當受保人仍然在生及保單仍然生效，若受保人因受傷，並在註冊醫生建議下住院或接受日間手術，您可索償意外住院保障。我們會支付受保人實際招致的合理及慣常費用，而其費用須於受保人意外當日起計12個月內招致。意外住院保障受限於保單條款下所示之病房等級。就所有意外住院保障和延伸門診保障下合共已支付或應付的賠償，就每宗意外及於每個保單年度(不論意外次數)之賠償額均不可超過保障額的5%。就所有意外住院保障和延伸門診保障下合共已支付或應付的賠償，於本保單下不可超過保障額的100%。

⁵當受保人仍然在生及保單仍然生效，若受保人因受傷，並在註冊醫生建議下：

a. 就韌帶斷裂、肌腱斷裂、骨折或關節移位／脫臼進行門診治療（受保之部位及骨骼和不保事項之詳細，請參閱保單條款），而其費用須於受保人意外當日起計12個月內招致；

b. 就意外受傷，並在意外發生24小時內於醫院門診部接受診療；或

c. 全因意外導致真牙進行緊急牙科治療﹙包括會診、止血、拔牙、根管治療和 X 光檢查﹚，並在意外當日起計31日內於合法註冊牙醫診所或醫院進行該治療，您可索償延伸門診保障。

就所有延伸門診保障下合共已支付或應付的賠償，就每宗意外及於每個保單年度(不論意外次數)之賠償額均不可超過保障額的1%。就所有意外住院保障和延伸門診保障下合共已支付或應付的賠償，就每宗意外及於每個保單年度(不論意外次數)之賠償額均不可超過保障額的5%。就所有意外住院保障和延伸門診保障下合共已支付或應付的賠償，於本保單下不可超過保障額的100%。延伸門診保障限於每日最多診治一次。我們只會支付受保人實際招致的合理及慣常費用，惟不會支付跌打治療及針灸治療之費用。

⁶保單會於已支付或需支付的嚴重疾病保障之相關嚴重疾病的首次診斷日隨即終止。為免生疑問，基本計劃之保費仍須繼續繳付直至本公司批核索償。當有關索償獲批准後，任何於該相關嚴重疾病的首次診斷日後所多出的已繳保費將會退還給您（不包括任何利息）。就所有非嚴重疾病保障和/或嚴重疾病保障下合共已支付或應付的賠償，於本保單下不可超過保障額的100%。

⁷如受保人不幸身故，只要保單沒有曾支付或將需支付的嚴重疾病保障，將可獲高達保障額100%的身故賠償。

由於相關保險計劃的性質和/或特點可能不同，以上比較是根據相關保險計劃的某部分，並不包含每種保險的所有保障項目。所有信息如有更改，恕不另行通知。 安達人壽不對由此產生的任何錯誤和遺漏承擔任何風險和責任。

此計劃是一個獨立的保險產品，無須與其他保險產品捆綁銷售。本網頁只供一般參考，不應被視為專業意見、建議，亦非保單的一部分。本網頁概述了產品的主要特點，應與其他包含有關產品的資料一同閱讀。此類材料包括但不限於包含主要產品風險的產品手冊、包含具體條款及細則的保單條款、保障說明（如有）及其他保單文件和相關營銷材料，所有這些資料均可應要求提供。如有需要，您也可以考慮尋求獨立的專業建議。

上述資訊不應被解釋為在香港以外地區銷售、招攬或說服購買或提供我們任何產品的意向。如欲查詢詳情，請聯絡您的安達人壽香港保險顧問或致電客戶服務中心熱線 (852) 2894 9833。

「安達人壽」、「安達人壽香港」、「公司」、「我們」或「我們的」指安達人壽保險香港有限公司。