Comprehensive Cancer Benefit

Comprehensive Cancer Benefit 100% Premium Refundable Plan

With today's modern advanced medical science, cancer is not incurable. If cancer is diagnosed at an early stage, with prompt treatment backed by adequate financial support, the chances of recovery are very high and people can continue to live their lives to the fullest. China Construction Bank (Macau) proudly presents MassMutual Asia Ltd.'s Comprehensive Cancer Benefit which is a 100% Premium Refundable Plan, providing the most comprehensive protection and financial support to the Insured when needed.

The Most Comprehensive Cancer Protection Plan Available

The Comprehensive Cancer Benefit 100% Premium Refundable Plan offers the widest coverage possible. For those diagnosed with early cancer, a lump-sum benefit equivalent to 30% of the Sum Insured will be payable. In addition, a lump-sum benefit equivalent to 100% of the Sum Insured will be payable upon diagnosis of later-stage cancer¹.

Early Cancer
A malignant tumor pathologically confirmed by the presence of cancer cells. The tumor should be localized with no invasion.

Later-stage Cancer
A malignant tumor pathologically confirmed and characterized by uncontrolled growth and spread of malignant cells and invasion of tissue.

Death Benefit for Extra Protection

In the unfortunate event of the Insured's death, the beneficiary will receive an amount equal to all premiums paid regardless of the cause of death or claims record².

Money-Back 100% Guaranteed

Best of all, the Comprehensive Cancer Benefit 100% Premium Refundable Plan guarantees you a full refund of all premiums paid, effective from the 15th policy anniversary onwards³. From that moment on, you have total control over the most appropriate time to surrender your policy and get the full refund. Of course, you can maintain this coverage until age 65 by making continuous premium payments.

MediNet Pro

Through our unique MediNet Pro, the plan offers you access to a second medical opinion. This value-added service enables the Insured to seek alternative professional advice on his or her illness from renowned medical specialists at various specialist US hospitals and on the methods of treatment available, provided the Insured is diagnosed as suffering from a cancer covered by the plan. Furthermore, MediNet Pro will, upon request, refer the Insured to a hospital network in the US and Canada delivering the best possible treatment at a discounted price⁴.

For enquiries, please call our Bank By Phone at 0800 555 or visit our branches.

Important Notes:

The term "cancer" excludes benign tumors or pre-precancerous disease with absence of cancer cells, any skin cancer except malignant melanomas, and tumors in the presence of any Human Immunodeficiency Virus. In addition, to keep this plan as economical as possible, the following causes of cancer are not covered by the policy. These include: any cancer occurring within 60 days of Policy issue; if the Insured is diagnosed as suffering from cancer and dies within 14 days; pre-existing conditions; suicide or self-inflicted injuries; intoxication by alcohol or drugs (except as prescribed by a doctor); inhaling gas (except from hazard incidental to occupation) or AIDS.

1. Within the benefit term, "Early Cancer" can be claimed once only. The maximum claim amount of the "Later-stage Cancer" is net of any claim paid on account of "Early Cancer", up to a maximum of 100% sum insured.
2. The calculation of total premiums paid is based on the annual modal premium. For policies issued in Macau, stamp duty will be deducted from total premiums refunded.
3. The full premium refund on policy surrender will be net of any claim benefits paid. The calculation of total premiums paid is based on the annual modal premium. For policies issued in Macau, stamp duty will be deducted from total premiums refunded.
4. MediNet Pro is provided by Inter Partner Assistance Hong Kong Ltd.. The current administration fee for each Second Medical Opinion is HKD500. For each referral for medical treatment in the US and Canada, the current administration fee is USD500. The Insured is responsible for paying the administration fee and for any medical treatment and other related costs in the US and Canada. Inter Partner Assistance Hong Kong Ltd. reserves the right to review the price and the number of hospitals from time to time.

The above contains general information only. For full details, please refer to policy document. China Construction Bank (Macau) is an appointed insurance agent (Corporate body established in Macao) of MassMutual Asia Ltd. ("MassMutual Asia"). This plan is underwritten by MassMutual Asia, an authorized insurer approved by the Office of the Commissioner of Insurance of Hong Kong.