PrimeHealth Diabetes Care

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PrimeHealth Diabetes Care
A plan tailored for people with diabetes*

Comprehensive coverage with total benefits up to $1,200,000

Plan Features

*not applicable to people with Type 1 diabetes

Remarks: This is a basic plan. The above contains general information and is for reference only. It does not form part of the policy and does not contain the full terms of the policy. Please refer to the policy document for benefit coverage, exact terms and conditions and exclusions.

+ Easy Enrollment

Application for PrimeHealth Diabetes Care is easy. It takes only a few easy steps to complete the underwriting procedure, no medical examination is required.

+ Critical Illness Benefit - Maximum Benefit $1,200,000

A maximum benefit of HK$/MOP200,000 is payable for limb amputation1 as a result of disease or even injury.
If the Insured is diagnosed with the following Critical Illness / Surgery, a maximum benefit of HK$/MOP1,000,0002 is payable, without deduction of the amount of any limb amputation benefit paid.
- - Blindness
- - Coronary Artery Bypass Surgery
- - Heart Attack
- - Kidney Failure
- - Stroke

+ Guaranteed Renewal

The plan guarantees annual renewal up to age 85. The annual renewal premium will be adjusted based on the attained age of the Insured and at the premium rate in effect for the same level of benefit at the time of renewal.

+ Plan Selection

PrimeHealth Diabetes Care

	Plan Standard (Basic Sum Insured $1,000,000³)	Plan Special (Basic Sum Insured $500,000³)
Critical Illness / Surgery2 Blindness, Coronary Artery Bypass Surgery, Heart Attack, Kidney Failure and Stroke	$1,000,000 (100% of the Sum Insured)	$500,000 (100% of the Sum Insured)
Limb Amputation1	$200,000 (20% of the Sum Insured)	$100,000 (20% of the Sum Insured)
Death Benefit	$10,000	$5,000

+ Remarks

1.	Applicable if no Critical Illness Benefit has been paid. The limb amputation benefit is payable once only.
2.	All coverage will be terminated when the benefit for a covered Critical Illness (except limb amputation) has been paid, and the limb amputation benefit will no longer be applicable.
3.	The maximum aggregate Sum Insured of all Critical Illness plans under the same Insured with the Company is limited to US$1,500,000/ HK$ / MOP12,000,000.

View Product Pamphlet

Important Information

Premium Payment Term and Benefit Term
The premium payment term and the benefit term are up to age 85 of the Insured. If the premium is not paid before the end of the 31-day Grace Period from such premium due date, all coverage under the policy will be terminated.

Termination
The policy will be terminated when one of the following events occurs:

On the Benefit Expiry Date
The Grace Period ends
The policy owner submits a written request to terminate this policy
The Insured dies

Besides the above conditions, the PrimeHealth Diabetes Care will also be terminated when the Insured is diagnosed with a Critical Illness other than limb amputation giving rise to payment of Critical Illness Benefit.

Premium Adjustment
The policy will be renewed at each policy anniversary for another one year upon receipt of the payment of the required premium (based on the attained age of the Insured and at the premium rate in effect of the same level of benefit at the time of renewal). YF Life Insurance International Ltd. reserves the right to change the premium on each renewal, and notifies you the related changes by giving you a written notice no less than 30 days prior to each policy anniversary. The major factors to consider for premium adjustment include, but not limited to, the claim experience of YF Life Insurance International Ltd., and expenses.

Inflation Risk
Where the actual rate of inflation is higher than expected, the policy owner might receive less in real terms even if YF Life Insurance International Ltd. meets all of its contractual obligations.

Credit Risk
This plan is underwritten by YF Life Insurance International Ltd. The insurance benefits are held solely responsible by the Company and subject to its credit risk.

Key Exclusions
If the Insured commits suicide, whether sane or insane, within one year from the Policy Date, the total liability of YF Life Insurance International Ltd. shall be limited to the premiums paid less any benefit amount that has been paid or is payable.

The policy will not pay any benefit claim to a Critical Illness caused directly or indirectly, by or resulting from one or more of the following:

Suicide or injuries due to insanity; self-infliction; intoxication by alcohol or drugs not prescribed by a Doctor; inhaling gas (except from hazard incidental to occupation);
Any act due to war or civil commotion; military services in time of war; violation or attempted violation of the law or resistance to arrest;
Engaging in or taking part in driving or riding in any kind of race; professional sports; underwater activities involving the use of breathing apparatus; travel in any aircraft, except as a fare paying passenger in a commercial aircraft;
Pre-existing symptoms or conditions; any diseases or illnesses which occurred within 60 days after the Effective Date of Coverage; any Human Immunodeficiency Virus (HIV) and / or any HIV-related illnesses including AIDS; the Insured dies within 14 days after the first diagnosis of a Critical Illness

Duty of disclosure and the consequences of not making full disclosure
You are required to disclose in the application all information you know or could reasonably be expected to know because YF Life Insurance International Ltd. will rely on what you have disclosed in this application to accept the risk and the terms of insurance. Your duty of disclosure ends on the signing date of application or the supplementary form(s), whichever is later. If you are in doubt as to whether a fact is material, please disclose it in the application. Failure to comply with this requirement may render the policy issued voidable.

Claims Procedures
For details of the procedures for making claims, please refer to our website at:
Hong Kong: https://corp.yflife.com/en/Hong-Kong/Individual/Services/Claims-Corner
Macau: https://corp.yflife.com/en/Macau/Individual/Services/Claims-Corner

Premium Levy (Applicable to Hong Kong only)
The Insurance Authority (IA) collects levy on insurance premiums from policy holders through the Company for insurance policies issued in Hong Kong. For details about the levy, please visit the dedicated IA webpage at www.ia.org.hk/en/levy.

Cooling-off Period and Right of Cancellation
If you are not satisfied with the policy, you may return it under a signed covering letter to us (Hong Kong: 27/F, YF Life Tower, 33 Lockhart Road, Wanchai, Hong Kong / Macau: Avenida Doutor Mario Soares No. 320, Finance and IT Center of Macau, 8 Andar A, Macau) within 21 calendar days after the delivery of the policy or delivery of the Notice (which states that the policy is available for collection and the expiry date of the cooling-off period) to you or your representative, whichever is earlier. We will cancel the policy upon receipt of your written request and refund all premiums and the levy you paid (applicable to Hong Kong only), without any interest. No refund can be made if a benefit payment has been made, is to be made or impending.

Surrender
You may surrender the policy by submitting a written request on the forms prepared for such purposes together with a copy of your valid identification document and permanent address proof (if applicable). We will arrange the policy surrender.