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.
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.
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.
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.
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.
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.
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.
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