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.
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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.
Supporting your recovery journey
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.
Lifetime guaranteed renewal
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).
Flexibility to suit your needs
We understand that everyone’s situation is different. That’s why we offer 3 different medical plans to suit your personal medical needs.
Cancer Guardian 2 - Flexibility to suit your needs
Continued protection, time after time
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.
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.
You may request for the termination of your policy by notifying us in written notice. Also, we will terminate your policy and you / the person protected under the policy will lose the cover when one of the following happens:
the person protected under the policy passes away;
you do not pay the premium within 31 days of the premium due date;
the aggregate benefits under the relevant insurance policy reaches the lifetime cancer limit; or
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.
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.
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.
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:
Cancer relating to any of the following event:
any tumour which is histologically classified as pre-malignant;
abnormal lesions of cervix uteri classified as cervical intra-epithelial neoplasia grade I (CIN I) and grade II (CIN II);
any drug or alcohol abuse;
any pre-existing conditions; and
nuclear, biological or chemical contamination.
Any medical procedure, treatment, confinement and / or charges relating to any of the following events:
any treatment, test, service or supply which is not medically necessary;
any congenital covered cancer that has been found or is diagnosed before the person protected under the policy reaches the age of 17;
general check-up, convalescence, custodial or rest care not related to the covered cancer;
screening or check-ups on a preventative basis or where there are no symptoms or history of covered cancer (in relation to the insured);
vaccines for the prevention of covered cancer;
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;
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
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.
Premium Adjustment and Product Features Revision
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:
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
historical investment returns and the future outlook of the product's backing asset
policy surrenders and lapses
expenses directly related to the policy and indirect expenses allocated to this product
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.
The cover becomes effective 90 days after the policy commences.
With the exception of preventive check-up for immediate family members, the product will not cover any routine medical check or test with a negative result. The relevant expenses will not be reimbursed. Only the expense of a test directly confirmed a positive diagnosis of a Covered Cancer can be reimbursed.
We only cover the charges and / or expenses of the person protected under the policy on medically necessary and reasonable and customary basis.
“Medically necessary” means that the medical services, diagnosis and / or treatments are:
delivered according to standards of good medical practice;
cannot be safely delivered in a lower level of medical care.
Experimental, screening, and preventive services or supplies are not considered medically necessary.
“Reasonable and customary” means:
the medical services, diagnosis and / or treatments are medically necessary and delivered according to standards of good medical practice;
the costs of your medical services and the duration of your hospital stay are not more expensive or longer than the usual level of charges or duration for similar treatment in the locality of such services delivered; and
the charges that are for experimental, screening, and preventive services or supplies, as well as those that are only incurred if insurance exists are excluded.
We may adjust any and all benefits payable in relation to any hospital / medical charges which is not a reasonable and customary charge.
The person protected under the policy will be covered for any room type in which he stays at hospital, but there will be a reduction in his benefit pay-out amount in case the person protected under the policy stays in a room type higher than the plan covered. In such a case, the benefit pay-out amount will be adjusted by multiplying the following factor:
= Daily room charge of the semi-private room in the hospital admitted by the person protected under the policy/Daily room charge of the room the person protected under the policy stays
If the insured receives treatment in the United States, the following limitations on benefits shall apply:
the maximum benefit amount under benefits schedule parts A to E will be up to HK$/MOP2,000,000 or US$250,000 per life for any one covered cancer
the maximum benefit amount under benefits schedule parts A to E will be up to HK$/MOP2,000,000 or US$250,000 under this policy for any and all covered cancer
The plan’s Covered Cancer Limit and Lifetime Cancer Limit remain unchanged for worldwide (excluding the United States).
If the eligible expenses have been reimbursed under any law, or medical program or other insurance policy provided by any government, company, other third party or us, such expenses will not be reimbursable by us under this policy.
Worldwide emergency assistance services are covered during the trip only (except for 24-hour worldwide telephone enquiring services), which are additional benefits. The services are provided by third party service provider(s). AIA shall not be responsible for any act, negligence or omission of medical advice, opinion, service or treatment on the part of them. AIA reserves the right to amend, suspend or terminate the service without further notice.
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. If you wish to know more about claim related matter, you may visit “File A Claim” section under our company website www.aia.com.hk.
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 calendar days immediately following either the day of delivery of the policy or the Cooling-off Notice to you or your nominated representative , whichever is the earlier.
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