CANCER GUARDIAN 2​

1. You need to pay the premium for this plan for life as long as you renew for this plan or for this add-on plan until the basic plan it is attached to is terminated. If you do not pay the premium within 31 days of the premium due date, the policy will be terminated and you / the person protected under the policy will lose the cover.
   
   
2. We will terminate your policy and you / the person protected under the policy will lose the cover when one of the following happens:
   1. the person protected under the policy passes away;
   2. you do not pay the premium within 31 days of the premium due date;
   3. the aggregate benefits under the relevant insurance policy reaches the lifetime cancer​ limit; or
   4. when you take this plan as an add-on plan of any basic plan which has been terminated.
       

   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.

3. We underwrite the plan and you are subject to our credit risk. If we are unable to satisfy the financial obligations of the policy, the person protected under the policy may lose his cover and you may lose the remaining premium for that policy year.
   
   
4. You are subject to exchange rate risks for plans denominated in currencies other than the local currency. Exchange rates fluctuate from time to time. You may suffer a loss of your benefit values and the subsequent premium payments (if any) may be higher than your initial premium payment as a result of exchange rate fluctuations. You should consider the exchange rate risks and decide whether to take such risks.
   
   
5. The future medical costs will be higher than they are today due to inflation. Hence, the benefit amounts and the future premium rate of this plan may be revised to reflect the inflation (Please refer to the Annual Premium Table for the first year premium provided by your financial planner).

Under this plan, we will not cover any of the following events or conditions:

1. Cancer relating to any of the following event:
   1. any tumour which is histologically classified as pre-malignant;
   2. abnormal lesions of cervix uteri classified as cervical intra-epithelial neoplasia grade I (CIN I) and grade II (CIN II);
   3. any drug or alcohol abuse;
   4. any pre-existing conditions; and 
   5. nuclear, biological or chemical contamination.
       
2. Any medical procedure, treatment, confinement and / or charges relating to any of the following events:
   1. any treatment, test, service or supply which is not medically necessary;
   2. any congenital covered cancer that has been found or is diagnosed before the person protected under the policy reaches the age of 17;
   3. general check-up, convalescence, custodial or rest care not related to the covered cancer;
   4. screening or check-ups on a preventative basis or where there are no symptoms or history of covered cancer (in relation to the insured);
   5. vaccines for the prevention of covered cancer;
   6. any experimental, unproven or unconventional medical treatments or novel drugs not yet approved by the government and relevant authorities of the country or region where the treatment is sought;
   7. mental disorder, psychological or psychiatric conditions, behavioural problems or personality disorder, except for "Psychological counselling services" under Additional caring benefit (see benefits schedule, item 18 for details) ; and
   8. diseases or infection with any HIV or related illness.
      
      

The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions.

1. Premium Adjustment
   
   In order to provide you with continuous protection, we will annually review and adjust the premium of your plan accordingly at the end of policy year if necessary. During the review, we may consider factors including but not limited to the following:
   
   
   1. claim costs incurred from all policies under this plan and the expected claim outgo in the coming year which reflects the impact of medical trend, medical cost inflation and product feature revisions
   2. historical investment returns and the future outlook of the product's backing asset
   3. policy surrenders and lapses
   4. expenses directly related to the policy and indirect expenses allocated to this product
2. Product Features Revision
   
   We reserve the right to revise the benefit structure, terms and conditions and / or product features, so as to keep pace with the times for medical advancement and to provide you with continuous protection.
   
   

We will give you a written notice of any revision 31 days before the end of policy year or upon renewal.

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.

• You have the right to cancel and obtain a refund of any premiums and any levy paid by giving written notice to us. 
  
• Such notice must be signed by you and submitted to the Customer Service Centre of AIA International Limited at 12/F, AIA Tower, 183 Electric Road, North Point, Hong Kong or the Customer Service Centre of AIA International Limited at Unit 1903, 19/F, AIA Tower, 251A-301 Avenida Comercial de Macau, Macau within 21 days after the delivery of the policy or issue of the written notice to you or your representative informing you that the policy is available, whichever is earlier.