Increased accessibility to advanced medical technology enables the cure of many critical illnesses, but the recurrence of illnesses is inevitable. In addition to the expenses incurred in treating illnesses each time, the cost of rehabilitation care support also imposes a heavy financial burden on us and our loved ones. This is especially true for common age-related conditions such as degenerative brain disorders and dementia, which require long-term and ongoing support and care.
In view of this, Generali Life (Hong Kong) Limited (the “Company”) has specially designed LionAlong (“The Plan”), a critical illness insurance plan that provides coverage of up to 1000% of the Sum Assured. In the event that the Insured is unfortunately diagnosed with a designated critical illness, the Plan will also provide monthly income, on top of the lump sum Benefits, to ensure ongoing financial support accompanying you throughout the recovery journey.
The Plan covers 69 Major Critical Illnesses, 69 Early Stage or Minor Illnesses1 and 1 Surgical Excision of Benign Tumour.
The Plan provides you with Multiple Major Critical Illness Benefit3,4 for the Cancer, Stroke and Heart Attack up to 4 claims subject to the waiting period5, and 1 claim for Alzheimer’s Disease / Irreversible Organic Degenerative Brain Disorders. More importantly, there is no waiting period for Alzheimer’s Disease / Irreversible Organic Degenerative Brain Disorders on claiming this Benefit after preceding claim for Major Critical Illness. The amount is 100% of the Sum Assured for each claim.
If the Insured is diagnosed with Cancer, Stroke or Heart Attack before the age of 85, the Plan will provide the Major 3 Ongoing Support Benefit which equals to 2% of the Sum Assured for 12 consecutive months on top of each Major Critical Illness Benefit or Multiple Major Critical Illness Benefit3,4 claim for the same illness. A maximum of 5 times constituting to a total of 120% of the Sum Assured will be paid under this Benefit. Even if the Insured unfortunately passes away within the benefit payment period, we will pay the remaining amount of this Benefit for the same claim together with the Death Benefit to assist your loved ones during the difficult times.
Before the Insured attains age 85 and after a claim is paid for Alzheimer’s Disease / Irreversible Organic Degenerative Brain Disorders under Major Critical Illness Benefit or Multiple Major Critical Illness Benefit3,4, the Plan will pay an immediate monthly income of 1% of the Sum Assured under the Dementia Ongoing Support Benefit6 for up to 120 consecutive months commencing from the Policy Monthiversary falling on or after the date of diagnosis, if the diagnosis is evidenced with a Mini Mental State Examination score of 10 or less out of 30.
Also, the Plan will pay an immediate monthly income of 1% of the Sum Assured under the Disability Ongoing Support Benefit6 for up to 120 consecutive months starting from the Policy Monthiversary falling on or after the date of diagnosis if the Insured cannot perform any 3 of the 6 Activities of Daily Living, including Washing, Dressing, Feeding, Continence, Transferring and Moving, and require physical assistance of others for 6 consecutive months before the Insured’s age of 70.
If the Insured needs to underwent Severe Facial Disfigurement Requiring Reconstruction, Bilateral Total Mastectomy, Permanent Stoma, Permanent Tube Feeding, or Amputation within the 3 years after the first diagnosis of Cancer and before the end of Benefit Term, for which a Major Critical Illness Benefit or Multiple Major Critical Illness Benefit3,4 has been paid or is payable for such Cancer, the Plan will pay an extra benefit of Cancer Impact Support Benefit, equivalent to 20% of the Sum Assured.
If the Insured passes away, a Death Benefit equals 100% of the Sum Assured plus any Terminal Dividend7 will be paid, provided that no Major Critical Illness Benefit has been paid under the Plan. If a Major Critical Illness Benefit has been paid, we will still pay 20% of the Sum Assured to support your family during this difficult moment.