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LionGuardian Beyond

LionGuardian Beyond (the “Plan”) from Generali Life (Hong Kong) Limited (the “Company”) aims to provide comprehensive coverage, with unlimited claims for Cancer, Stroke and Heart Attack1,2, as well as extra coverage on Major Critical Illnesses or death before the 10th Policy Anniversary3, giving you continuous and adequate support throughout your recovering journey. The Plan is a precious gift for newborn and juvenile, allowing you to apply for your child before birth, providing your precious one with sufficient protection starting from your pregnancy4. What’s more to that, extra protection will be provided if the child is unfortunately first diagnosed with cancer before age 225. 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. You may also choose to accumulate benefit payouts or lock-in returns6 for earning non-guaranteed interest7 and support future financial needs. 

5 Key Highlights:
Exclusive in market*: Unlimited[1,2] and growing coverage

Understand that illnesses may strike more than once throughout one’s life and the cost of medical treatments varies greatly from one time to the next. These exclusive features of the Plan could certainly back you up should the worst happens.

Extra 60% of Sum Assured on Major Critical Illnesses or death before the 10th Policy Anniversary[3]

Before the 10th Policy Anniversary, one-off Extra Coverage Benefit3, which is equivalent to 60% of Sum Assured, will be paid for the 1st Major Critical Illness Benefit1 claim or Death Benefit claim. This benefit will not be affected by any payments from Early Stage or Minor Illness Benefit10

Distinctive in market*: Protect your precious one before the life journey starts, with extra coverage on cancer

Being a mother-to-be could be exciting yet stressful. Once you got pregnant, you will start to prepare the best for your precious one. To protect your child should the worst happens, you may choose to take out the Plan for your child as early as 22nd week of pregnancy.

Major Critical Illness Benefit[1] for unknown illnesses

Life is unpredictable. Not everything happens for a reason and you will not be able to know what will happen next. In addition to covering the listed Major Critical Illnesses, the Plan also provides Major Critical Illness Benefit1 at 100% of Sum Assured if the Insured is diagnosed with specific condition of key organs (heart, liver, lung and kidney) which last for at least 3 consecutive months, even the cause of the illness cannot be ascertained or the illness is unknown.

Comprehensive protection against different illnesses

The Plan provides comprehensive protection against 138 illnesses. Once the claimable amount reaches 100% of Sum Assured, your future premium will be waived. You can enjoy free protection until the expiration of the Policy, giving a peace of mind to you and your loved ones and alleviating your financial burdens on the long road to recovery.

Remarks:
1. Major Critical Illness Benefit will be payable upon diagnosis of Major Critical Illnesses listed above and until termination of the Policy. In respect of each Major Critical Illness, the Major Critical Illness Benefit shall be payable maximum once only, except Cancer, Stroke and Heart Attack. Loss of Independent Existence and Terminal Illness will cease after the 1st Major Critical Illness Benefit claim. For Major Critical Illness Benefit claims more than once, it is subject to waiting periods and terms and conditions. Please refer to the terms and conditions in the Policy Provisions for details.

2. Waiting period for Cancer, Stroke and Heart Attack are as follows:
Cancer:
· The waiting period of the subsequent claim on Cancer is at least 1 year from the diagnosis date of all the preceding Cancer(s), given that the first diagnosis of subsequent Cancer is a new Cancer and unrelated to all the preceding Cancer(s); and
· The waiting period of the subsequent claim on Cancer is at least 3 years from the diagnosis date of all the preceding Cancer(s), if the subsequent Cancer is a recurrence, metastasis or persistence of any preceding Cancer(s).
Stroke:
· The waiting period of the subsequent claim on Stroke is at least 1 year from the diagnosis date of the preceding claim(s), given that such subsequent Stroke is new and unrelated to all the preceding claim(s).
Heart Attack:
· The waiting period of the subsequent claim on Heart Attack is at least 1 year from the diagnosis date of the preceding claim(s), given that such subsequent Heart Attack is new and unrelated to all the preceding claim(s).

3. Extra Coverage Benefit will only be payable either on the 1st Major Critical Illness Benefit claim or Death Benefit claim before the 10th Policy Anniversary. This benefit can only be claimed once under the same Policy and it will cease after the claim.

4. Coverage of illnesses will not be applicable to mother (as the Insured before the birth of baby). During the pregnancy stage, Compassionate Refund of Premium Benefit will be payable upon miscarriage, stillbirth, pregnancy termination that is recommended by a registered specialist doctor or death of both mother and baby. The Policy will be terminated upon the claim of such benefit. If Compassionate Refund of Premium Benefit has not been claimed upon the birth of baby, the Policy will continue to be in force and the Compassionate Refund of Premium Benefit will cease. The Insured will be changed to the baby. Please note that birth certificate of the baby is required to be submitted by 14 days before the 1st Policy Anniversary. Otherwise, the Policy will terminate on the 1st Policy Anniversary.

5. Extra Child Cancer Benefit will only be payable on the 1st diagnosed suffering from a Cancer before the Policy Anniversary falling on or immediately after the Insured’s 22nd birthday. This benefit can only be claimed once under the same Policy and it will cease after the claim.

6. The aggregated lock-in percentage of Flexi Lock-in Option shall not exceed 20%. After exercising Flexi Lock-in Option, any future Terminal Dividend will be adjusted correspondingly at a rate to be determined by the Company based on the Terminal Dividends which have been locked-in. Upon approval of the request, no change or cancellation of the option is allowed. Please refer to the terms and conditions in the Policy Provisions for details of the Flexi Lock-in Option.

7. The interest rate is not guaranteed. For the latest interest rate, please refer to the illustration.

8. Subject to the Company’s approval and the prevailing administrative rules, you may apply for withdrawal from the Benefit Accumulation Account at any time by submitting a written request to the Company on the Company’s prescribed form.

9. Terminal Dividend will be declared (if any) at least once a year provided that it is available and 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 Flexi Lock-in Option or when it is payable.

10. 1 claim is allowed for each Early Stage or Minor Illness diagnosed. Claims for Carcinoma-in-situ and Percutaneous Coronary Intervention can be accepted up to 2 times. Terms and conditions must be fulfilled to be eligible for a 2nd claim for Carcinoma-in-situ and Percutaneous Coronary Intervention.



The Plan is offered by Generali Life (Hong Kong) Limited.

Remarks: All information on this webpage is for reference only. Terms and conditions apply. Please refer to the product brochure and Policy Provisions for details of terms and conditions, risk disclosures of the Plan.



Above product features do not contain the full provisions of the Plan and the full terms can be found in the Policy Provisions. For details of the definition of Major Critical Illnesses, Early Stage and Minor Illnesses, benefits, conditions for payment of claims, exclusions, risk disclosure and other items under the Plan, please refer to the Policy Provisions.

This Plan may serve as standalone plan(s) without bundling with other type(s) of insurance product. You are required to read the relevant product brochure, the Policy Provisions and the proposals presented by your Insurance Advisers or the Company’s Representatives in order to fully understand the details of the definitions, charges, product features, exclusions, and conditions of payment of claims, etc. plus complete terms and conditions.

Awards
Ming Pao Excellence Awards 2021

Excellence Award in Family and Individual Protection 

BENCHMARK Wealth Management Awards 2020

Outstanding Achiever in Retirement - LionPromise Pro

BENCHMARK Wealth Management Awards 2020

Outstanding Achiever in Qualifying Deferred Annuity Policy - LionHarvest


BENCHMARK Wealth Management Awards 2020

Outstanding Achiever in Client Support

2020 International Finance Awards

Most Innovative Life Insurance Product - LionGuardian

INSURANCE ASIA AWARDS 2020

Juvenile Health Insurance Initiative of the year - Hong Kong - LionGuardian

2020 International Finance Awards

Best Travel Insurance Product - Bravo Travel

BENCHMARK Wealth Management Awards 2019

Best-in-Class in Critical Illness - LionGuardian

BENCHMARK Wealth Management Awards 2018

Best-in-Class in Term Life - LionPainter

Enjoy premium refund of up to 16% of 1st Policy Year’s premium until 30 September 2021