+Easy Enrollment No Medical Examination Required
Application for PrimeHealth Cancer Care is easy. It takes only a few easy steps to complete the underwriting procedure, and no medical examination is required.
+Up to $2,000,000 Cancer Benefit
- Upon diagnosis of cancer, a maximum benefit of $2,000,000 is payable1 to cover loss of income or pay off any medical or extra daily expenses.
+Up to $500,000 Extra Cancer Benefit
- If the Insured is diagnosed with Stage III/IV Cancer2, an Extra Cancer Benefit of 25% of Sum Insured will be payable, up to $500,000.
+Coverage of Carcinoma-in-situ / Early Stage Cancer
- For 30 Carcinoma-in-situ / Early Stage Cancer3, 20% of Sum Insured will be payable, up to $400,000:
- Breast, Cervix, Uterus, Ovary, Fallopian Tube, Vagina, Vulva, Testis, Penis, Prostate, Small Intestine (including Duodenum, Jejunum and Ileum), Colon or Rectum, Lung, Stomach or Oesophagus, Larynx, Pharynx (including Tongue, Soft Palate and Uvula), Nasopharynx, Tear Duct, Urinary Tract, Ureter, Ampulla of Vater, Anal Cannel, Liver, Extra-hepatic Bile Duct, Gallbladder, Kidney, Renal Pelvis, Pancreas, Non-Melanoma Skin Cancer of AJCC Stage II or above and Early Stage Papillary Carcinoma of the Thyroid.
+Guaranteed Renewal
The plan guarantees renewal every 5 years, up to age 100. The renewal premium will be adjusted based on the attained age of the Insured and at the premium rate in effect for the same level of benefit at the time of renewal.
+Overseas Cancer Treatment Advisory Services
Currently, more than 4,000 US hospitals are members of the MediNet Pro Network. The following services will be made available:
- Second medical opinion provided by US medical specialists4; and
- Quality treatment referrals in the USA, plus assistance in obtaining competitive quotations4
+3 Plan Options
PrimeHealth Cancer Care
PrimeHealth Cancer Care
(HK$)
Plan Supreme
(Sum Insured 2,000,000)
Plan Standard
(Sum Insured 1,500,000)
Plan Special
(Sum Insured 1,000,000)
Cancer1,5
2,000,000
1,500,000
1,000,000
Carcinoma-in-situ / Early Stage Cancer3
400,000
300,000
200,000
Extra Cancer Benefit2
Extra 500,000
Extra 375,000
Extra 250,000
Death Benefit
40,000
30,000
20,000
Overseas Cancer Treatment Advisory Services
Applicable
Applicable
Applicable
+Remarks
- Net of any claims paid. The plan will be terminated when the total benefit of 100% of Sum Insured has been paid.
- The Extra Cancer Benefit will be payable if the Insured is first diagnosed with a malignant tumor with pathological staging of Stage III/IV under the AJCC staging system or its equivalent at the time of first diagnosis. Please refer to the policy document for details.
- Carcinoma-in-situ / Early Stage Cancer can be claimed for once only. Subject to HK$400,000 per life limit under all benefits issued by the Company. For the definition of each Carcinoma-in-situ / Early Stage Cancer, please refer to the policy document.
- MediNet Pro is currently provided by Inter Partner Assistance Hong Kong Ltd. The current administration fee for each Second Medical Opinion is HK$500. For each referral to medical treatment in the USA, the current administration fee is US$500. The Insured is also responsible for paying the administration fee and for any medical treatment and other related costs in the USA. Inter Partner Assistance Hong Kong Ltd. reserves the right to review the price and the number of hospitals from time to time without prior notice. The Company reserves the right to change or discontinue this service at any time.
- The maximum aggregate Sum Insured of all Critical Illness plans under the same Insured with the Company is limited to HK$12,000,000. The maximum aggregate Sum Insured of PrimeHealth Cancer Care and PrimeHealth Cancer Saver under the same Insured with the Company is limited to HK$3,000,000 (if issue age is below 55 years) or HK$1,500,000 (if issue age is 55 years or above).
View Product Pamphlet
The risk of cancer should not be underestimated
1 in 4 males may suffer from cancer*
1 in 5 females may suffer from cancer*
Example: John, a 30-year-old non-smoking merchandising manager, has already taken out a critical illness plan. He understands the incidence rate of cancer is higher than other critical illnesses. To enhance the protection, he further takes out a PrimeHealth Cancer Care plan, with a Sum Insured of $2,000,000.
Policy Year
Type of Protection
% of Sum Insured
Benefit Payable
3Policy Year 3
Carcinoma-in-situ / Early Stage Cancer: Colon
20%
$400,000
5Policy Year 5
Cancer:
Stage III Liver Cancer
80%#
$1,600,000
Extra Cancer Benefit
25%
$500,000
Total benefit payable
$2,500,000
Average Monthly Payment
167
Premium Payment Term and Benefit Term
The premium payment term and the benefit term are up to age 100 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
- The Insured is diagnosed with a Cancer giving rise to payment of Cancer Benefit
Premium Adjustment
The policy will be renewed at the expiration of each 5-year term for another term upon receipt of the payment of the premium in accordance with the premium rate in effect of the same plan of the then attained age of the Insured on the date of renewal. YF Life Insurance International Ltd. reserves the right to change the premium on each renewal. 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 Carcinoma-in-situ/Early Stage Cancer, Cancer or Stage III/IV Cancer 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);
- Pre-existing symptoms or conditions; any Carcinoma-in-situ/Early Stage Cancer, Cancer or Stage III/IV Cancer 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 Carcinoma-in-situ/Early Stage Cancer, Cancer or Stage III/IV Cancer.
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: https://corp.yflife.com/en/Hong-Kong/Individual/Services/Claims-Corner
Premium Levy
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 webpages 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 (27/F, YF Life Tower, 33 Lockhart Road, Wanchai, Hong Kong) 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 levy you paid, 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.
View Policy Provisions
