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Cancer strikes without warning, and often more than once – but you need not be caught off guard. Cancer Guardian 2 supports your treatment and recovery – even if your cancer comes back. Receive reimbursement for your diagnosis and treatment expenses for covered cancer, with a limit of up to HK$/MOP3 million. This limit replenishes every 3 years to support you through any cancer, including continuation, metastasis or recurrence of a previous cancer or a newly diagnosed cancer, up to a lifetime cancer limit of up to HK$/MOP9 million. That way, you can focus on what’s most important – getting back on your feet, time and time again.
Limited time offerApply now to enjoy up to 5.5 months premium refund. |
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Terms & conditions apply. Details please download and refer to the promotion leaflet
Cancer Guardian 2 offers comprehensive protection upon a confirmed diagnosis of a covered cancer (including carcinoma-in-situ). Whether in hospital or as an outpatient, the insured's diagnostic tests and cancer treatments will be fully covered. Following the completion of active treatment, the insured will also be reimbursed for monitoring and consultation for up to 5 years.
If the insured is diagnosed with a covered cancer, we will take care of your premiums for 12 months so that you can focus on recovery. A premium waiver will take effect upon the initial diagnosis of the first covered cancer, beginning with the next premium to fall due following the date of initial diagnosis. After 12 months, the waiver will end, and your premium payments shall resume based on the premium rates applicable for the insured’s attained age. This premium waiver will only be activated once per policy, and is not applicable to carcinoma-in-situ.
Cancer Guardian 2 guarantee that your premium for renewal will not be raised for any claim you have made, or any changes in your health condition. You can renew your cover every year for life. Renewal premium will be based on the prevailing premium rates at the time of renewal (Please refer to the Annual Premium Table for the first year premium provided by your financial planner).
We understand that everyone’s situation is different. That’s why we offer 3 different medical plans to suit your personal medical needs.
See comparison of the 3 options
Should cancer strike, rest easy knowing that Cancer Guardian 2 is there to support you on your journey to recovery. We will reimburse your expenses for diagnosis, treatment, reconstructive surgery and monitoring for any and all covered cancer until the total claims paid out reaches your covered cancer limit.
After the initial diagnosis of the first cancer, your covered cancer limit, which is shared by all covered cancer, will replenish after 3 years and every 3 years afterwards, restoring your claim limit for each subsequent 3-year period until all claims paid out in total have reached the lifetime cancer limit. That way, even if a new cancer strikes or if an old diagnosed cancer continues or metastasizes, we will offer continued support by paying your new claims using the same covered cancer limit again and again.
At the end of each 3-year period, covered cancer limit will replenish. Any unused covered cancer limit cannot be carried to the covered cancer limit for the subsequent 3-year period. The total claims paid out within each 3-year period cannot be higher than the covered cancer limit.
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Like what you've read? This is just a summary of our product. If you want more information, please contact your financial planner for a financial needs analysis and an accurate quote for the cover you need.
If the person protected under the policy happens to be hospitalised on the date when this plan / add-on plan is terminated because you do not pay the premium within 31 days of the premium due date, we will extend the cover for an additional 30 days without the need for you to make any payments, subject to the same benefit limits which apply to your original plan.
Under this plan, we will not cover any of the following events or conditions:
The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions.
We will give you a written notice of any revision 31 days before the end of policy year or upon renewal.
“Medically necessary” means that the medical services, diagnosis and / or treatments are:
Experimental, screening, and preventive services or supplies are not considered medically necessary.
“Reasonable and customary” means:
We may adjust any and all benefits payable in relation to any hospital / medical charges which is not a reasonable and customary charge.
The plan’s Covered Cancer Limit and Lifetime Cancer Limit remain unchanged for worldwide (excluding the United States).
If you wish to make a claim, you must notify us in writing within 20 days of the date the covered event happened, and send us the appropriate forms and relevant proof within 90 days of the same date. You can get the appropriate claim forms from your financial planner, by calling the AIA Customer Hotline (852) 2232 8888 in Hong Kong, or (853) 8988 1822 in Macau, or by visiting any AIA Customer Service Centre.