Comprehensive coverage for faster recuperation

As much as they love an exciting and tasteful lifestyle, urban people aspire to a healthy life.  However, metropolises like Hong Kong are seeing an increased incidence of serious illnesses such as Cancer, Heart Attacks and Cerebrovascular Diseases.  Pollution, stress and unhealthy diets are thought to be possible culprits.

ICBC (Asia) and Zurich Life treats clients with unfailing care and introduces the Extra Care Critical Illness Insurance Plan (“the Plan”) to you.  The Extra care we offer demonstrates our concern for your health.  It also provides you with a way to express you care for those you love.

Comprehensive coverage meets the needs of modern society

The plan offers two choices to suit your needs; you can opt for either the Extra care Critical Illness Insurance Plan 100 or the Extra Care Critical Illness Insurance Plan 280.  The 100 plan provides comprehensive coverage for critical illness as well as life coverage. The monthly premium of the 100 plan can be as low as HKD188¹.  The 280 plan provides the Life Insured with, on top of all the coverage that 100 plan guarantees, an equal monthly income benefit for 36 months totaled 180% of the sum insured.  As such, the maximum amount payable is up to 280% of the sum insured.  With this backup, the patient can relax and recuperate, free from financial worries.

Keeping abreast of advancements in medical technology, the Extra Care Critical Illness Insurance plan cover 38 critical illnesses, ensuring you have comprehensive protection.  In addition to the four major illnesses (Cancer, Heart Attack, Kidney Failure and Stroke), total and permanent disability is also covered.

1. Assumed the Life Insured is a male, non-smoker and age 30 (age next birthday); and he applies for the 100 plan with a sum insured of HKD620,000.

2. Total and permanent disability benefit will be payable after 6 months observation period from the date of disability.

Thorough plans evolved from our whole-hearted care for you

Critical illness coverage

The Life Insured will receive the total sum insured should he / she suffers from a critical illness specified in the policy ³.

3. The amount payable for Angioplasty is 10% of the sum insured and the sum insured will be reduced accordingly after the claim settlement.

Life coverage

If the Life Insured passes away, the beneficiary will receive benefit equal to 100% of the sum insured, as long as no previous claims have been made against this benefit.  If the Life Insured has made any claims, the previously claimed critical illness coverage amount would be deducted from the 100% final sum.

Monthly income benefit (applicable only to Extra Care Critical Illness Insurance Plan 280)

• Once the Life Insured of the 280 plan has survived 30 days from the first diagnosis of any critical illness as listed in the coverage table, except Angioplasty, he / she will receive 5% of the sum insured as a monthly income benefit.  This protection will continue for 36 months.
• Even if the Life Insured passes away within the 36 months, the remaining balance will still be issued as death benefit.

Extra coverage from Waiver of Premium, limitless sincerity and integrity

If the Policy Owner suffers from total disablement for a continuous period of 26 weeks or more during the policy term.  Zurich Life will refund premiums paid during the said 26 weeks.  Besides, any further premiums due will be waived if the Policy Owner remains totally disabled until the Policy Owner fully recovers, the end of the policy term, or the policy anniversary preceding the Policy Owner’s 66th birthday, whichever is earlier.

3-month policy reinstatement period maximizes flexibility

Even if you forget to pay the premium, the policy can be reinstated by paying the premium within 3 months from the date of the unpaid premium without any insurability evidence required.

Important notes:

• The entry age ranges from 19 to 60 (age next birthday) and the coverage is up to the policy anniversary preceding the Life Insured’s 86th birthday.
• This is a 5-year policy and renewal is guaranteed without any insurability evidence required.
• The benefit payable is subject to a waiting period and it is 3 months from the policy issue date.
• This page is only a summary of the Plan and is not a contract of insurance. For more details, please refer to the product brochure and policy document of the Plan.
• Zurich Life Insurance Company Limited ("Zurich Life") is the insurance underwriter of the Plan and is solely responsible for all coverage and compensation.
• ICBC (Asia) is not responsible for any liability under policies underwritten by Zurich Life.

How to find out more

• Email us
• Phone our enquiry hotline on 2903 9368
• Visit any of our branches

The information contained in this webpage is designed to serve as an introduction only. For all relevant clauses and details, you should refer to the insurance contract.