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LionAlong
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.
6 Key Highlights:
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.
*Based on comparing it with other critical illness plans issued by Hong Kong’s major life insurance companies as of September 2023.
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.
Remarks:
1. 1 claim is allowed for each Early Stage or Minor Illness diagnosed. Up to 2 times of claim can be made for Carcinoma-in-situ and Percutaneous Coronary Intervention, provided that the sum of 2 payments shall not exceed USD50,000 per Insured for all policies under the Plan. For Attention-Deficit Hyperactivity Disorder, Autism and Tourette Syndrome, only 1 out of these 3 illnesses shall be payable under the Policy, subject to USD50,000 per Insured for all 3 illnesses under all Policies of the Plan. For the benefit limit of each Early Stage or Minor Illness, please refer to the “List of Covered Illnesses”.
2. Dementia refers to Alzheimer’s Diseases / Irreversible Organic Degenerative Brain Disorders. For Alzheimer’s Disease / Irreversible Organic Degenerative Brain Disorders, only 1 claim could be made under either Major Critical Illness Benefit or Multiple Major Critical Illness Benefit.
3. After a Major Critical Illness Benefit is paid, a maximum of 4 claims for Cancer, Stroke and Heart Attack and 1 claim for Alzheimer’s Disease / Irreversible Organic Degenerative Brain Disorders could further be made under Multiple Major Critical Illness Benefit. The claim for Alzheimer’s Disease / Irreversible Organic Degenerative Brain Disorders is only available if the Major Critical Illness Benefit has not been paid for the same illness before.
4. Under Multiple Major Critical Illness Benefit, the coverage for Cancer, Stroke and Heart Attack will cease at age 100 of the Insured; and the coverage for Alzheimer’s Disease / Irreversible Organic Degenerative Brain Disorders will cease at age 85 of the Insured.
5. Waiting period for Cancer, Stroke and Heart Attack are as follows:
Cancer:
- The waiting period for the subsequent claim on Cancer is at least 1 year from the diagnosis date of all the Preceding Cancer(s) or Preceding Major Critical Illness, whichever is later, if the Subsequent Cancer is a new Cancer and unrelated to all the Preceding Cancer(s); and
- The waiting period for the subsequent claim on Cancer is at least 3 years from the diagnosis date of all the Preceding Cancer(s) and at least 1 year from the date of diagnosis of the Preceding Major Critical Illness, if the Subsequent Cancer is a recurrence, metastasis or persistence of any Preceding Cancer(s).
Stroke:
- The waiting period for the subsequent claim on Stroke is at least 1 year from the diagnosis date of the Preceding Cancer or Preceding Major Critical Illness, whichever is later, if the subsequent Stroke is new and unrelated to all the preceding claim(s) on Stroke.
Heart Attack:
- The waiting period for the subsequent claim on Heart Attack is at least 1 year from the diagnosis date of the Preceding Cancer or Preceding Major Critical Illness, whichever is later, if the subsequent Heart Attack is new and unrelated to all the preceding claim(s) on Heart Attack.
If the Subsequent Cancer diagnosed on or after age 70 of the Insured is a prostate Cancer which is related to or is a continuation of the prostate Preceding Cancer, the Multiple Major Critical Illness Benefit will be payable only on the condition that the Insured has received or has been receiving Active Treatment which is Medically Necessary and is recommended by a Medical Practitioner during the period between the diagnosis dates of the prostate Preceding Cancer and prostate Subsequent Cancer (both dates inclusive).
5. Either Dementia Ongoing Support Benefit or Disability Ongoing Support Benefit will be paid under the Policy. If the Insured dies during the payment period of the monthly income of the Dementia Ongoing Support Benefit or Disability Ongoing Support Benefit, the monthly income payment will be terminated immediately.
6. Terminal Dividend will be updated (if any) at least once a year provided that it is available while the Policy is still in force. The actual amount of Terminal Dividend (if any) will only be determined at the Company’s absolute discretion when exercising Terminal Dividend Lock-in Option or when it is payable. When the Major Critical Illness Benefit is paid or becomes payable, Terminal Dividend will no longer be available.
LionGuardian Beyond
From the beginning of life journey, Generali’s enhanced Critical Illness Plan - LionGuardian Beyond provides ∞ unlimited Major Critical Illness Benefit. Future premium will be waived one 100% of Sum Assured is paid while enjoying protection until age 100. LionGuardian Beyond protects your child by providing unlimited protection even with the recurrence, metastasis or persistence of cancer.
LionGuardian PlusOne
LionGuardian PlusOne (the “Plan”) from Generali Life (Hong Kong) Limited (the “Company”) aims to provide comprehensive coverage, giving you continuous and adequate support throughout your recovering journey. The Plan also provides coverage against Loss of Functionality of Key Organs, offering you and your family a comprehensive and tremendous support throughout your lifespan. Juvenile illnesses will also be covered, even if the illnesses are due to congenital defects or mental conditions.