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Most attentive care to women through different stages of life
Women nowadays are playing multiple roles in the society with flair: smart career woman, loving companion to your beloved, dedicated wife to your husband and doting mother to your precious child.
ICBC (Asia) and Zurich Life proudly present you the Lady Protector Insurance Plan (“the Plan), which specially designed for modern women, combines the elements of life insurance and a variety of conditions unique to women, including pregnancy and free medical check-up. Enroll today to enjoy our most attentive care to women through different stages of life so that you can truly relax and enjoy a beautiful life.
All-round protection for women’s unique needs
In addition to life insurance cover, you will also receive comprehensive coverage on conditions unique to women including Rheumatoid Arthritis Benefit, Female Carcinoma-in-situ Benefits, Systemic Lupus Erythematosus Benefit and Accidental Cosmetic Surgery Benefit and etc. Optional protection such as critical illness and waiver of premium are also available for your choice.
Rheumatoid Arthritis Benefit
Upon the first diagnosis of Rheumatoid Arthritis and such diagnosis being made, the Lady Protector Sum Insured* less any benefits paid under the policy (if any) will be payable as Rheumatoid Arthritis Benefit and the plan will be terminated without value after the claim payment.
Female Carcinoma-in-situ Benefit
Upon the first diagnosis of Female Carcinoma-in-situ of either breast, cervix uteri, uterus, ovary, fallopian tube or vagina and such diagnosis being made, 20% of the Lady Protector Sum Insured* up to an aggregate maximum of US$30,000 will be payable as Female Carcinoma-in-situ Benefit.
Systemic Lupus Erythematosus Benefit
Upon the first diagnosis of Systemic Lupus Erythematosus and such diagnosis being made, 20% of the Lady Protector Sum Insured* up to an aggregate maximum of US$30,000 will be payable as Systemic Lupus Erythematosus Benefit.
Accident Cosmetic Surgery Benefit
As a result of accident, 5% of the Lady Protector Sum Insured* up to an aggregate maximum of US$10,000 will be payable as Accident Cosmetic Surgery Benefit.
Special Care for pregnancy and new-born babies
The plan provides full coverage on Pregnancy Complications Benefit and Congenital Anomalies Benefit to give you enhanced peace of mind.
Pregnancy Complications Benefit
Pregnancy Complications including Disseminated Intravascular Coagulation, Ectopic Pregnancy, Hydatidiform Mole and Still Bith; and such diagnosis being made, 20% of the Lady Protector Sum Insured* up to an aggregate maximum of US$30,000 will be payable as Pregnancy Complications Benefit.
Congenital Anomalies Benefit
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For any illnesses of Down Syndrome, Spina Bifida, Tetralogy of Fallot, Tracheoesophageal Fistulae and Oseophageal Atresia, Hydrocephalus, Neonatal Death, Muscular Dystrophy, Cleft Palate and / or Cieft Lip, the benefit payable will be 20% of the Lady Protector Sum Insured* up to an aggregate maximum of US$30,000.
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For any illnesses of Ano-Rectal Atresia, Congenital Dislocaiton of the Hip, Exomphalos or an Umbilical Hernia, Patent Ductus Arteriosus, the benefit payable will be 10% of the Lady Protector Sum Insured* up to an aggregate maximum of US$10,000.
New-born Baby Benefit
To congratulate you on becoming a mother and to share the exuberant joy with you, Lady Protector Insurance Plan is delighted to present you with a new-born baby bonus. After your policy has been in effect for a year, your first two new-born babies will each be entitled to a baby bonus equivalent to 1% of your basic sum insured.
Protection for you all the way
When you reach the golden years of later life, it is equally important to take good care of your health. The plan especially offers protection for Old Age Benefits and Coronary Treatment Benefit, providing you with attentive care every step of the way.
Old Age Benefit(s)
Upon the first diagnosis of the necessity of operations of Hysterectomy or Dilatation and Curettage and such diagnosis being made on or after policy anniversary following the Life Insured’s 45 age next birthday, 10% and 3% of the Lady Protector Sum Insured* respectively and up to an aggregate maximum of US$3,000 will be payable as Old Age Surgical Treatment of Hysterectomy or Dilatation and Curretage Benefit.
Coronary Treatment Benefit
Upon the first diagnosis of the necessity for any Coronary Treatment and such diagnosis being made, 10% of the Lady Protector Sum Insured* up to an aggregate maximum of US$10,000 will be payable as Coronary Treatment Benefit.
Free medical check-up for complete peace of mind
With Lady Protector Insurance Plan, you will be entitled to one free female medical check-up after the policy has been in effect for a year. Thereafter you can also enjoy female medical check-ups at an attractive discount.
At different stages of life, you have different passions and interests and you need a total sense of security to enjoy every aspect of your life to its full. Enroll with Lady Protector Insurance Plan today to live up to al l your dreams.
* The benefit will be payable once only and the Lady Protector Sum Insured will be reduced by on benefit payable accordingly.
Important notes:
- 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
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.
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