Whole Life MediCare

Live Your Life to the Full with Comprehensive Lifelong Health Protection

The aging population is causing an increase in medical expenses and it's time to plan for the rainy days. China Construction Bank (Macau) proudly presents MassMutual Asia Ltd.'s Whole Life MediCare which relieves you of the worry of unforeseen medical expenses.

Comprehensive Health Benefits of Up to MOP/HKD2 Million

Provide you with benefits of up to a maximum of MOP/HKD2,000,000 or USD250,000. Not only does it cover such basic in-hospital expenses as Hospital Benefit, In-hospital Doctor's Call Benefit and Hospital Services Benefit, it also provides all-round surgical protection covering Surgical Benefit, Anesthetist's Fee and Operating Theater Fee Benefit. Best of all, this plan offers a unique Death Benefit and Surrender Benefit, giving you and your family both protection and savings in one single plan.

Whole Life Coverage for Lifelong Peace of Mind

With Whole Life MediCare, you are assured of full health protection up to the age of 100 years, so that you can live your life to the full.

Guaranteed Premium with 25-year Payment Only

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 25-year payment term.

Top-notch Worldwide Coverage

This plan provides protection for hospital confinement due to accident or sickness anywhere in the world⁸, giving you even more peace of mind.

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 8 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.

Remarks:

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. The In-hospital Doctor's Call Benefit, which is payable for a maximum of one in-hospital doctor's visit per day, is equal to the daily benefit or the actual expenses incurred for the respective doctor's visit net of other claims received, whichever is lower.
3. The actual Hospital Services Benefit, Surgical Benefit, Anesthetist's Fee and Operating Theater Fee Benefit payable are based on the actual expenses incurred, net of other claims received, subject to the maximum benefit per disability.
4. 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.
5. Post-surgery Out-patient 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.
6. The Cancer Benefit is payable on one occasion on a per-policy basis.
7. 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 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 paid. The Death Benefit is guaranteed to be at least 10 times the Daily Benefit.
8. 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 up to 50% of maximum benefit 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.