Well Protect Critical Illness Supplementary Benefit

No critical illness benefit will be payable under this Supplementary Benefit for any critical illness resulting from, or related to, or caused or contributed directly or indirectly, wholly or partly, by any of the following:

1. Any pre-existing condition;
2. Congenital deformities or anomalies, infertility or sterilization; 
3. Drug taking other than under the prescription or direction of a physician, abuse of alcohol or the taking of poison;
4. Disease of or infection with any Human Immunodeficiency Virus (HIV) and/or any HIV-related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or mutations, derivation or variations thereof, except HIV due to blood transfusion, medically acquired HIV or occupationally acquired HIV;
5. Nuclear fission, nuclear fusion, ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuels or nuclear weapons material;
6. War or hostilities (whether war be declared or not), civil commotion rebellion, revolution, riot, strikes, terrorist or warlike activities;
7. Participation in any armed force or peace keeping activities;
8. An act of any person acting on their own or on behalf of or in connection with any group or organization to influence by force, any group, corporation or government by terrorism, kidnapping or attempted kidnapping, attack, assault or any other violent means;
9. An intentional self-inflicted act;
10. Violation or attempted violation of the law or resistance to arrest or participation in any brawl or affray; or
11. Professional sports, racing of any kind, underwater activities involving the use of breathing apparatus, aerial flights (including bungee-jumping, hang-gliding, ballooning, parachuting and sky-diving) other than a crew member or as a fare-paying passenger on a licensed carrying commercial aircraft operating in a regular scheduled route or any hazardous activities or sports unless agreed by special endorsement.

Pre-existing condition means any condition or illness prior to the policy issue date or the effective date of endorsement or the effective date of last reinstatement of this Supplementary Benefit, whichever is the latest:

• which existed or was existing; or
• where its direct cause existed or was existing; or 
• in respect of which the Life Insured has knowledge, signs or symptoms of the condition or illness; or
• where any laboratory test or investigation showed the likely presence of the condition or illness.

Nature of the product

This product is a non-participating Supplementary Benefit and does not entitle the policyowner to participate in the profits or surplus of the Company. The product is critical illness benefit of non-indemnity nature and is aimed at customers who want critical illness benefits and can pay the premium as long as they want the protection. As a result, customers are advised to save enough money to cover the premiums in the future.

Cooling-off Period 

If you are not satisfied with the policy and have not made any claim under the policy, you have the right to cancel it and obtain a refund of any premium(s) paid by giving a written notice of cancellation to us within the cooling-off period. The cooling-off period is the period of 21 calendar days immediately following the day of the delivery of (1) the policy; or (2) the Cooling-off Notice, to you or your nominated representative, whichever is the earlier. The Cooling-off Notice will be sent to you or your nominated representative to notify you of the cooling-off period around the time the policy is delivered. 

Premium Adjustment

Premiums are determined based on the risk class (including but not limited to age, sex and smoking habit, as the case may be) of the life insured. Policyowner is responsible to notify the Company of any subsequent changes to the information disclosed during application process. The Company reserves the right to review and adjust the premium rates of these products based on our expectation and experience of a series of factors including but not limited to investment returns, claims, policy surrenders and expenses and to adjust the premium on every policy anniversary. The Company will not adjust the premium unless we notify you prior to the policy's anniversary. 

Claims

Any claim must be made in the Company's prescribed claims form within 90 days of the life insured becoming aware that he/she is suffering from a critical illness. Written proof of the diagnosis supported by medical evidence and other relevant evidence must be received by the Company within six months after it receives the written notice of claim. You can call our Claims Hotline at +852 2830 7600 for the appropriate claim form.

Termination Conditions

The Supplementary Benefit shall be automatically terminated and the premium shall cease to be payable for it upon the first occurrence of any one of the following events:

1. death of the life insured;
2. payment of critical illness benefit;
3. if any premium of this Supplementary Benefit and/or the basic plan remains unpaid after the end of the grace period;  
4. the basic plan matures, expires, is surrendered, or terminated;
5. If this Supplementary Benefit is fully converted to a permanent critical illness insurance plan or after conversion, the sum insured of this Supplementary Benefit is reduced and falls below the minimum sum insured requirement; or
6. On the policy anniversary on or immediately following the life insured's 100th birthday.

While the policy is in force, you may terminate this Supplementary Benefit before the next premium due date by sending written request to the Company provided that such notice is duly received by the Company 14 days before the next premium due date.