LionGuardian PlusOne (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, 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. You may also choose to convert your Plan to another life insurance product3.
Cancer, Stroke and Heart Attack are the major life-threatening diseases. Although the recovery rate improved significantly as a result of medical advancement, multiple strikes have become more common. The Plan allows UNLIMITED claims1,2 throughout the whole Benefit Term for these 3 illnesses. You and your loved ones will always be guarded by the continuous financial support from the Plan until age 100.
If you wish to have comprehensive protection but with limited budget on premium, then the Plan perfectly suits your needs. The Plan provides comprehensive protection against 138 illnesses. With relatively lower premium, you and your family could enjoy sufficient protection.
The Company will waive your future premium once the claimable amount reaches 100% of Sum Assured. 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.
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.
Personal conditions and responsibility change when you enter different life stages. The Plan allows you to convert your Plan to another life insurance product offered by the Company at the time of such request before age 70. Regardless of your health condition, no further evidence of insurability is required.
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.