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Critical Illness 10-Year Term Insurance
Putting your heart and mind at ease
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Critical Illness 10-Year Term Insurance provides you with complete protection against major critical illnesses, helping you focus on recovery without worrying about the financial burdens resulting from misfortune.
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| Comprehensive Protection |
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| Life Protection |
| In the event of death, a lump sum1 equivalent to the sum
insured will be payable to your beneficiary(ies) to provide
immediate financial support. |
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| Critical Illness Coverage |
| Upon the first confirmed diagnosis of any one of the 46
critical illnesses covered2 (Appendix I), 100% of the sum
insured will be paid to you, so you are financially equipped
to recover from your injury, or fight your illness. |
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| Privilege to Restore Life Protection |
| Under this plan, you can enjoy continued life protection
even after you have made a claim for the critical illness
benefit. Our Revival Privilege3 allows you to fully restore
your life protection4 within 30 days immediately after one
year following your first confirmed diagnosis of any one
of the 46 critical illnesses covered. With this exclusive
provision, you can take out a life policy up to the benefit
amount of the original policy without providing any evidence
of insurability. |
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| Free Counselling Service |
| Free counselling service is offered to you or a loved one
from a professional psychologist during the first year following
the first confirmed diagnosis of any one of the critical
illnesses covered, helping you, your spouse, or any one of
your immediate family members or beneficiaries to cope during
difficult times. Counselling service is available up to HK$2,000/US$250
per visit, for a maximum of HK$10,000/US$1,250 per insured. |
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| Guaranteed Renewal |
| This plan is guaranteed renewable every 10 years up to the age of 80.
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| Issue Age |
18 – 60 |
| Currency |
HK$
or US$ |
| Minimum Annual Premium |
HK$1,000
or US$125 |
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| 1 |
The
death benefit is payable if
no critical illness benefit
is payable or has been paid
before. |
| 2 |
The critical illness benefit
will be payable for any covered
critical illnesses occurring
or showing symptoms after 90
days of the policy issue date
or the date of approval of
the last reinstatement, whichever
is later. |
| 3 |
| The
Revival Privilege can
be exercised only
once before |
| i) |
the
expiration of the basic
policy’s
premium payment period
or |
| ii) |
the policy anniversary
that falls on or immediately
after the 65th birthday
of the insured, whichever
is earlier. |
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The
premium of the new life policy
is based on the insured’s
attained age. If the original
policy was initially issued
subject to the payment of an
extra premium, the new policy
will also be subject to the
payment of an extra premium,
which will be calculated on
the same basis as the extra
premium for the original policy. |
| 5 |
All
figures are for reference
only and may differ slightly
from other illustration
documents due to rounding
differences
and the policy currency
selected. |
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| Our Promise to Protect Your Best Interests |
| Critical Illness 10-Year Term Insurance does not provide a savings element. If you are not happy with your policy, you have a right to cancel it within the cooling off period and obtain a refund of any premiums paid. A written notice signed by you should be received by BEA Life Limited at 29/F, BEA Tower, Millennium City 5, 418 Kwun Tong Road, Kowloon, Hong Kong within the cooling off period (that is, 21 days after the delivery of the policy or issue of a notice (informing you/your representative about the availability of the policy and expiry date of the cooling off period), whichever is the earlier). After the expiration of the cooling off period, if you cancel the policy before the end of the term, you may not receive a premium refund. |
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The above information is for reference only. Please refer to the policy for the
exact terms and conditions and the full list of policy exclusions. For more
information or a copy of the policy terms and conditions,
please contact our Marketing Officer.
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The Bank of East Asia, Limited is an insurance agent authorised by BEA Life Limited ("BEA Life") and Blue Cross (Asia-Pacific) Insurance Limited ("Blue Cross"), members of the BEA Group. BEA Life Insurance Series and General Insurance Series are underwritten by BEA Life and Blue Cross respectively.
This is a redirect webpage hosted by Blue Cross (Asia-Pacific) Insurance Limited.
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