Lifetime Health Protector

Guaranteed Premium Rate with Health Benefit for Life up to MOP/HKD2 million

China Construction Bank (Macau) proudly presents MassMutual Asia Ltd.'s Lifetime Health Protector, enabling you to enjoy a fixed premium rate guaranteed for life! Although the premium payment term is only 20 years, the benefit term covers the rest of your natural life, with health benefits of up to HKD2 million.

Comprehensive coverage up to HKD2 million

In addition to providing a full range of hospital and other benefits, Lifetime Health Protector gives you the option of choosing your own daily benefit at the inception, tailored to your individual needs. The plan also provides you with a Total Benefit of up to 1,000 times the daily benefit, up to a maximum of MOP/HKD2,000,000 or USD250,000. Most importantly, the plan provides you with guaranteed lifetime protection once the policy is effective, even if your state of health changes or you are too old to be accepted by other hospital insurance schemes.

Guaranteed Premium Rate with 20-year payment only

To give you a guaranteed premium rate with no hidden surprises, the planned premium is locked in once the policy is issued. With this guaranteed rate, your premium is fixed and your protection is guaranteed for life but with a 20-year payment term.

Worldwide Coverage

Even if the hospitalization were covered by another hospital benefit scheme, this plan would still provide you protection. Best of all, you would be free to use the money as you wished. In addition, no matter where in the world⁷ you were hospitalized due to accident or sickness, the benefits would still apply.

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

Important Notes:

To keep this plan as economical as possible, some standard limitations apply to the first 6 benefit items listed above. These include, for example: claims due to sickness occurring within 15 days of policy issue; in the Cancer Benefit only, claims due to sickness occurring within 60 days of policy issue; pre-existing illnesses; general check-up; childbirth or pregnancy; drug addiction or alcoholism; dental care or surgery (unless necessitated by injury due to accident); treatment by Chinese bonesetters, herbalists or acupuncturists; cosmetic or plastic surgery; congenital deformities or anomalies; expenses incurred by the procurement or use of special equipment such as artificial limbs, hearing aids and dentures etc.; treatment of surgery for tonsils, adenoids, or hernia (except where the insured has been continuously covered under this policy for a period of 120 days immediately prior to such treatment or surgery); refractive errors of the eyes; AIDS; suicide or self-inflicted injuries; engaging in or taking part in driving or riding in any race; acts of war; riots or civil disturbances; illegal acts; nuclear radiation; and asbestos. Apart from these, some standard limitations are also applied to Total and Permanent Disability Benefit. For example, claims due to illnesses occurring within 60 days after the policy is issued, suicide or self-inflicted injury, intoxication by alcohol or drugs, inhaling gas, acts of war, racing on horses or wheels, professional sports, underwater activities involving the use of breathing apparatus, any accident involving aircraft (unless you are a fare-paying passenger in a commercial aircraft), illegal acts, pre-existing illness, AIDS, or congenital deformities or anomalies are not covered by this policy.

1. For mental disorders, the Hospital Benefits will be paid once and the maximum benefit term is 90 days on a per life basis.
2. Long Term Hospitalization Benefit is payable on the 91st day and onwards of hospitalization until the end of the Hospital Benefit payable per disability. Long Term Hospitalization Benefit is not applicable to mental disorders or hospitalization occurring outside Hong Kong, Macau, Japan, Singapore, Malaysia, Taiwan, South Korea, Northern America, Europe, Australia or New Zealand.
3. The actual Surgery Benefit payable is based on the actual expenses incurred by each operation including surgeon's fee, anesthetist's fee, operating theater fee, net of other claims received, subject to the maximum benefit set by the Surgical Fees Schedule.
4. This benefit is payable on one occasion per day within 14 days after discharge from the hospital and only where the out-patient treatment provided by the doctor-in-charge is directly related to and is a result of the Surgical Procedure.
5. The Cancer Benefit is payable on one occasion on a per policy basis.
6. Total and Permanent Disability Benefit is payable when the insured suffers from total and permanent disability aged between 4 and 65. Maximum Total Benefit is up to 1,000 times of the Daily Benefit. If a claim is paid, the amount of Total and Permanent Disability Benefit / Death Benefit will be equal to the Maximum Benefit net of any claims benefits paid. The Death Benefit is guaranteed to be at least 10 times of the Daily Benefit.
7. If the insured requires in-patient treatment exceeding 24 hours due to accident or sickness in Hong Kong, Macau, Japan, Singapore, Malaysia, Taiwan, South Korea, Northern America, Europe, Australia or New Zealand, this plan will provide full coverage. If hospitalization takes place in countries other than the foregoing, the insured will also enjoy 50% of the benefits items 1, 2, 4, 5 and 6, for a period of up to 90 days, and no Long Term Hospitalization Benefit will be paid.

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.