Chubb Life Select Top-Up Medical Plan

Chubb Life

Select Top-Up Medical Plan

Select Top-Up Medical Plan

Medical Protection: Preparing for the Unexpected

There is an old Chinese proverb that says a small sickness is good fortune. However, in the event of hospitalization as a result of accidents and illnesses, you may suffer from huge medical expenses, such that a basic medical plan may be insufficient in dealing with the financial burden.

Select Top-Up Medical Plan is here to help. This plan, which can be purchased as a basic plan or as a rider, provides you comprehensive medical protection at affordable premiums. By choosing Select Top-Up Medical Plan, you’ll have peace of mind, and we will help shoulder the cost of medical treatment. You can rest assured and be free of worries while you recover. The Plan also offers guaranteed renewal till age 100 and guaranteed conversion right1,2.

Guaranteed Renewal to Age 100 at Affordable Premiums

The plan is suitable for individuals aged between 0-65 and is guaranteed renewable up to age 100. With affordable premiums, you can enjoy comprehensive medical coverage2,

including hospital expenses, surgical expenses, physician’s fee, specialist’s fee, companion’s bed coverage and pre- and post-hospital out-patient treatment.

Guaranteed Conversion Right1,2

When your plan has been in force for three years or more, you may consider exercising this guaranteed conversion right and converting your plan to the designated medical plan offered by the Company at the time of conversion within 31 days following the policy anniversary when the Insured attains age 50, 55, 60 or 65.

Compatible with Other Medical Plan2

The plan can work together with other basic medical plans, providing you with comprehensive medical coverage for the medical expenses incurred from accidents and illnesses. The plan will reimburse up to 90% of all eligible medical expenses in excess of the deductible or the actual amount reimbursed by other insurance, whichever is higher, subject to the Overall Annual Limit and Lifetime Limit specified in Benefit Schedule in this product brochure.

2

“Chubb Life”, the “Company”, “we”, or “our” herein refers to Chubb Life Insurance Company Ltd.(Incorporated in Bermuda with Limited Liability).

Medical Accident and Incident Extension Benefit2

If, during the course of any medical procedure or treatment in hospital, the Insured dies directly as a consequence of any erroneous or negligent action, a medical accident and incident extension benefit will be paid.

Compassionate Death Benefit2

A compassionate death benefit will be paid to the beneficiary upon the Insured’s death due to illness or accident.

Worldwide Emergency Assistance Services3

Our 24-hour Worldwide Emergency Assistance Services ensure you will receive medical assistance at any time outside your country of residence.

3

^ Or equivalent amount in US dollars

Benefits2 (HK$ ̂ ) Class I(Private)

Class II(Semi-private)

Class III-2(Ward)

Class III-1(Ward)

Deductible per Confinement 80,000 50,000 50,000 25,000Overall Annual Limit 1,100,000 550,000 180,000 180,000Lifetime Limit(Aggregate benefits after policy anniversary at which the Insured attains age 75)

5,500,000 2,750,000 900,000 900,000

Reimbursement Percentage 90%Hospital Expenses● Daily Room and Board● Miscellaneous Expenses● Intensive Care

All Eligible Medical Expenses, less the Deductible or the actual amount reimbursed through Other Insurance, whichever is the greater, times the Reimbursement Percentage, and times the Adjustment Factor* (if applicable) (please refer to the “Product Limitation” section in this product brochure for details of “Adjustment Factor”)

Surgical Expenses● Surgeon’s Fee● Anaesthetist’s Fee● Operation Theatre FeePhysician’s FeeSpecialist’s FeeCompanion’s BedPre- and Post-Hospital Out-Patient Treatment(Maximum 1 pre-admission consultation and 3 post- hospital follow-up treatments)Compassionate Death Benefit 10,000Medical Accident and Incident Extension Benefit 10,000Additional Death Benefit for Organ Donor 3,000

Benefit Schedule2

4

More about Select Top-Up Medical Plan

Basic InformationProduct Type Basic plan or rider

If you purchase this product as a rider, it must be attached to a basic plan issued by us.

Benefit Term and Premium Payment Term

Up to age 100 of the insured

Renewability Select Top-Up Medical Plan is guaranteed to be renewed annually as long as you pay the premium. We reserve the right to revise the premium rates, Benefit Schedule and terms and conditions at the time of such renewal.

Issue Age of the Insured Age 0 (15 days) - 65Premium Payment Mode • For Select Top-Up Medical Plan issued as a basic plan: monthly / quarterly /

semi-annual / annual. • For Select Top-Up Medical Plan issued as a rider: monthly / quarterly / semi-annual / annual, following that of the basic plan to which Select Top-Up Medical Plan is attached.

Premium Structure After Select Top-Up Medical Plan (whether issued as a basic plan or a rider) is issued, premium will be adjusted every year based on the premium rate (which generally will increase as the age of the insured increases) applicable to the insured at that time. Note: The premiums in the Premium Table in this product brochure are not guaranteed. Please refer to the “Key Product Risks – Premium Adjustment” under the “Important Information” section in this product brochure for premium rate adjustment factors. The Company reserves the right to review and adjust the premium rates from time to time upon prior written notice to policyowners.

Currency • For Select Top-Up Medical Plan issued as a basic plan: HK Dollar / US Dollar. • For Select Top-Up Medical Plan issued as a rider: HK Dollar / US Dollar, following that of the basic plan to which Select Top-Up Medical Plan is attached.

Notes:1. Guaranteed conversion is only applicable for Insured with standard risk.2. Conditions and limitations apply. Please refer to respective policy provisions for details.3. These services are arranged through a third-party service provider and are not part of the policy or benefit item under the policy provisions of Select Top-Up

Medical Plan. Both the Company and the third-party service provider reserve the right to terminate or vary the service in their sole discretion without further notice. We shall not be responsible for any act or failure to act on the part of the third-party service provider.

5

HKD Basic Plan RiderClass I(Private)


Class III-2(Ward)

Class III-1(Ward)

Class I(Private)


Class III-2(Ward)

Class III-1(Ward)

Age Male Female Male Female Male Female Male Female Male Female Male Female Male Female Male Female

0 3,966 2,646 2,944 1,957 1,396 996 2,152 1,412 3,121 2,101 2,304 1,537 1,009 720 1,570 1,030

1 3,708 2,490 2,711 1,856 1,288 938 1,977 1,324 2,917 1,970 2,112 1,454 924 673 1,432 959

2 3,432 2,320 2,465 1,744 1,180 877 1,800 1,233 2,697 1,827 1,908 1,364 840 625 1,294 887

3 3,139 2,142 2,201 1,629 1,068 818 1,619 1,143 2,467 1,676 1,692 1,269 755 578 1,156 816

4 2,837 1,957 1,932 1,507 954 756 1,436 1,051 2,230 1,520 1,472 1,170 670 531 1,018 744

5 2,520 1,763 1,648 1,379 836 696 1,246 953 1,989 1,363 1,246 1,071 585 484 880 673

6 2,292 1,641 1,556 1,338 795 667 1,153 921 1,801 1,255 1,184 1,041 553 458 815 651

7 2,003 1,489 1,444 1,290 753 638 1,061 888 1,552 1,117 1,102 1,004 521 432 750 628

8 1,736 1,355 1,338 1,247 711 608 968 857 1,325 998 1,027 971 488 406 685 606

9 1,503 1,243 1,246 1,209 669 579 876 824 1,132 900 965 944 456 380 620 583

10 1,300 1,149 1,160 1,176 628 550 783 792 969 820 909 922 424 354 555 561

11 1,283 1,133 1,157 1,182 629 555 786 811 951 797 906 932 425 359 558 575

12 1,274 1,139 1,157 1,189 629 560 789 830 942 796 905 943 425 364 560 589

13 1,272 1,153 1,156 1,195 629 566 792 848 939 803 904 953 425 369 563 602

14 1,275 1,174 1,158 1,201 629 571 795 867 942 817 905 963 425 374 565 616

15 1,282 1,204 1,159 1,208 630 577 798 886 948 840 906 973 425 380 568 630

16 1,290 1,238 1,160 1,214 630 582 800 904 956 867 907 983 425 385 570 644

17 1,301 1,272 1,163 1,220 630 587 804 923 966 894 909 993 425 390 573 658

18 1,312 1,304 1,165 1,226 630 593 806 941 977 919 911 1,003 425 395 575 671

19 1,324 1,336 1,168 1,232 630 598 810 960 988 944 913 1,013 425 400 578 685

20 1,336 1,373 1,170 1,238 630 604 812 979 1,000 974 915 1,023 425 406 580 699

21 1,381 1,442 1,182 1,266 630 617 836 1,008 1,035 1,032 920 1,033 425 417 597 720

22 1,423 1,511 1,198 1,293 630 630 859 1,036 1,067 1,091 928 1,043 425 429 614 741

23 1,458 1,580 1,215 1,320 631 644 883 1,065 1,093 1,149 938 1,052 425 441 631 762

24 1,491 1,650 1,233 1,347 632 656 907 1,093 1,116 1,208 948 1,062 426 452 648 783

25 1,520 1,719 1,250 1,375 632 670 931 1,122 1,135 1,266 958 1,072 426 464 665 804

26 1,547 1,787 1,267 1,401 632 683 954 1,149 1,152 1,324 968 1,081 426 476 682 824

27 1,572 1,857 1,280 1,429 632 696 978 1,178 1,167 1,383 973 1,091 426 487 699 845

28 1,595 1,926 1,292 1,456 634 709 1,002 1,206 1,181 1,441 978 1,101 427 499 716 866

29 1,613 1,995 1,303 1,483 634 723 1,025 1,235 1,189 1,500 981 1,110 427 511 733 887

30 1,639 2,064 1,310 1,510 634 735 1,064 1,263 1,205 1,558 981 1,120 427 522 765 908

Annual Premium of the Plan (HK Dollar)

Premium Table The below premiums are not guaranteed and only applicable to insured of standard risk class. Loadings may be applied subject to the underwriting decision. Renewal premium will be based on the prevailing premium rates at the time of renewal. The Company reserves the right to adjust the premiums from time to time.

6



Class III-2(Ward)

Class III-1(Ward)

Class I(Private)


Class III-2(Ward)

Class III-1(Ward)


31 1,686 2,146 1,352 1,570 653 771 1,102 1,310 1,233 1,624 1,013 1,167 444 549 794 944

32 1,753 2,227 1,386 1,628 672 806 1,138 1,357 1,280 1,689 1,038 1,213 461 575 822 979

33 1,833 2,309 1,427 1,686 692 825 1,174 1,387 1,341 1,755 1,069 1,258 478 585 849 998

34 1,907 2,391 1,466 1,753 711 851 1,210 1,450 1,396 1,821 1,099 1,313 495 602 876 1,050

35 1,992 2,473 1,518 1,820 730 888 1,249 1,472 1,461 1,886 1,141 1,367 512 630 906 1,060

36 2,068 2,555 1,575 1,894 749 915 1,286 1,499 1,518 1,952 1,188 1,429 529 649 935 1,076

37 2,142 2,636 1,647 1,968 767 959 1,324 1,544 1,573 2,017 1,251 1,490 545 684 964 1,110

38 2,225 2,718 1,729 2,048 787 1,001 1,359 1,620 1,637 2,083 1,323 1,558 562 717 990 1,175

39 2,335 2,800 1,837 2,141 806 1,053 1,394 1,685 1,727 2,149 1,422 1,638 579 760 1,017 1,228

40 2,473 2,881 1,946 2,230 825 1,088 1,429 1,731 1,846 2,214 1,521 1,715 596 786 1,043 1,263

41 2,594 3,016 2,001 2,332 871 1,120 1,491 1,812 1,905 2,291 1,564 1,792 633 813 1,094 1,329

42 2,721 3,165 2,063 2,452 917 1,152 1,552 1,891 1,969 2,381 1,614 1,888 670 840 1,144 1,394

43 2,832 3,326 2,131 2,574 964 1,184 1,614 1,955 2,018 2,484 1,670 1,985 707 867 1,195 1,443

44 2,929 3,500 2,199 2,695 1,010 1,216 1,676 2,044 2,053 2,600 1,726 2,082 744 894 1,246 1,518

45 3,098 3,688 2,306 2,823 1,057 1,248 1,738 2,133 2,159 2,729 1,821 2,185 782 921 1,297 1,592

46 3,246 3,887 2,463 2,983 1,103 1,279 1,798 2,212 2,245 2,870 1,966 2,320 819 948 1,347 1,657

47 3,419 4,093 2,655 3,147 1,149 1,311 1,860 2,293 2,356 3,018 2,146 2,460 856 975 1,398 1,723

48 3,638 4,305 2,878 3,322 1,196 1,343 1,922 2,373 2,513 3,172 2,357 2,610 893 1,002 1,449 1,789

49 3,828 4,525 3,132 3,496 1,242 1,374 1,983 2,453 2,640 3,333 2,599 2,760 930 1,028 1,499 1,854

50 4,088 4,750 3,418 3,674 1,288 1,406 2,045 2,533 2,838 3,500 2,873 2,913 967 1,055 1,550 1,920

51 4,340 4,860 3,656 3,839 1,365 1,461 2,191 2,609 3,090 3,610 3,070 3,063 1,025 1,094 1,655 1,974

52 4,592 4,971 3,892 4,020 1,443 1,516 2,336 2,686 3,342 3,721 3,266 3,228 1,083 1,133 1,760 2,029

53 4,843 5,081 4,130 4,205 1,520 1,580 2,465 2,775 3,593 3,831 3,463 3,398 1,141 1,181 1,848 2,097

54 5,095 5,191 4,367 4,396 1,597 1,644 2,627 2,865 3,845 3,941 3,660 3,573 1,199 1,229 1,970 2,165

55 5,347 5,301 4,604 4,591 1,675 1,708 2,809 2,955 4,097 4,051 3,856 3,753 1,257 1,277 2,111 2,233

56 5,598 5,412 4,841 4,791 1,751 1,773 3,022 3,045 4,348 4,162 4,053 3,938 1,314 1,326 2,284 2,301

57 5,850 5,522 5,078 4,992 1,828 1,837 3,194 3,135 4,600 4,272 4,249 4,123 1,372 1,374 2,415 2,369

58 6,102 5,632 5,315 5,192 1,905 1,906 3,378 3,231 4,852 4,382 4,446 4,308 1,430 1,427 2,559 2,444

59 6,353 5,742 5,553 5,393 1,983 1,975 3,563 3,327 5,103 4,492 4,643 4,493 1,488 1,480 2,703 2,518

60 6,605 5,853 5,789 5,592 2,060 2,049 3,760 3,431 5,355 4,603 4,839 4,677 1,546 1,538 2,860 2,600

61 7,077 6,246 6,302 6,012 2,294 2,255 4,036 3,654 5,827 4,996 5,352 5,093 1,741 1,705 3,136 2,816

62 7,542 6,640 6,814 6,431 2,527 2,460 4,312 3,877 6,292 5,390 5,864 5,509 1,936 1,871 3,412 3,032

63 7,997 7,034 7,327 6,851 2,761 2,666 4,588 4,101 6,747 5,784 6,377 5,925 2,131 2,038 3,688 3,249

64 8,441 7,427 7,840 7,270 2,994 2,872 4,864 4,324 7,191 6,177 6,890 6,341 2,326 2,205 3,964 3,465

65 8,880 7,821 8,352 7,690 3,228 3,077 5,140 4,547 7,630 6,571 7,402 6,757 2,521 2,371 4,240 3,681

66 9,316 8,215 8,865 8,109 3,462 3,282 5,416 4,769 8,066 6,965 7,915 7,173 2,716 2,538 4,516 3,897

67 9,751 8,608 9,377 8,529 3,695 3,488 5,692 4,992 8,501 7,358 8,427 7,589 2,911 2,705 4,792 4,113

68 10,185 9,002 9,890 8,947 3,929 3,694 5,968 5,216 8,935 7,752 8,940 8,004 3,106 2,872 5,068 4,330

69 10,615 9,395 10,403 9,367 4,162 3,899 6,244 5,439 9,365 8,145 9,453 8,420 3,301 3,038 5,344 4,546

70 11,042 9,789 10,915 9,786 4,396 4,105 6,520 5,662 9,792 8,539 9,965 8,836 3,496 3,205 5,620 4,762


7



Class III-2(Ward)

Class III-1(Ward)

Class I(Private)


Class III-2(Ward)

Class III-1(Ward)


71 11,440 10,172 11,330 10,182 4,580 4,269 6,775 5,875 10,190 8,922 10,380 9,232 3,680 3,369 5,875 4,975

72 11,838 10,556 11,745 10,577 4,763 4,433 7,030 6,087 10,588 9,306 10,795 9,627 3,863 3,533 6,130 5,187

73 12,235 10,939 12,160 10,973 4,947 4,598 7,285 6,300 10,985 9,689 11,210 10,023 4,047 3,698 6,385 5,400

74 12,633 11,323 12,575 11,368 5,131 4,762 7,540 6,513 11,383 10,073 11,625 10,418 4,231 3,862 6,640 5,613

75 13,031 11,706 12,990 11,764 5,315 4,926 7,795 6,726 11,781 10,456 12,040 10,814 4,415 4,026 6,895 5,826

76 13,429 12,089 13,405 12,159 5,498 5,090 8,050 6,938 12,179 10,839 12,455 11,209 4,598 4,190 7,150 6,038

77 13,827 12,473 13,819 12,555 5,682 5,254 8,305 7,151 12,577 11,223 12,869 11,605 4,782 4,354 7,405 6,251

78 14,224 12,856 14,234 12,951 5,866 5,419 8,560 7,364 12,974 11,606 13,284 12,001 4,966 4,519 7,660 6,464

79 14,622 13,240 14,649 13,346 6,050 5,583 8,815 7,576 13,372 11,990 13,699 12,396 5,150 4,683 7,915 6,676

80 15,020 13,623 15,064 13,742 6,233 5,747 9,070 7,789 13,770 12,373 14,114 12,792 5,333 4,847 8,170 6,889

81 15,328 13,924 15,368 13,985 6,366 5,868 9,235 7,926 14,078 12,674 14,418 13,035 5,466 4,968 8,335 7,026

82 15,636 14,226 15,672 14,229 6,500 5,990 9,400 8,062 14,386 12,976 14,722 13,279 5,600 5,090 8,500 7,162

83 15,944 14,527 15,976 14,473 6,633 6,111 9,565 8,199 14,694 13,277 15,026 13,523 5,733 5,211 8,665 7,299

84 16,252 14,828 16,279 14,717 6,766 6,233 9,730 8,335 15,002 13,578 15,329 13,767 5,866 5,333 8,830 7,435

85 16,560 15,130 16,583 14,960 6,899 6,354 9,895 8,472 15,310 13,880 15,633 14,010 5,999 5,454 8,995 7,572

86 16,868 15,431 16,887 15,204 7,033 6,475 10,060 8,609 15,618 14,181 15,937 14,254 6,133 5,575 9,160 7,709

87 17,176 15,733 17,191 15,448 7,166 6,597 10,225 8,745 15,926 14,483 16,241 14,498 6,266 5,697 9,325 7,845

88 17,484 16,034 17,495 15,692 7,299 6,718 10,390 8,882 16,234 14,784 16,545 14,742 6,399 5,818 9,490 7,982

89 17,792 16,335 17,799 15,935 7,433 6,840 10,555 9,018 16,542 15,085 16,849 14,985 6,533 5,940 9,655 8,118

90 18,100 16,637 18,102 16,179 7,566 6,961 10,720 9,155 16,850 15,387 17,152 15,229 6,666 6,061 9,820 8,255

91 18,194 16,722 18,198 16,264 7,600 6,991 10,770 9,196 16,944 15,472 17,248 15,314 6,700 6,091 9,870 8,296

92 18,288 16,808 18,293 16,348 7,634 7,022 10,820 9,238 17,038 15,558 17,343 15,398 6,734 6,122 9,920 8,338

93 18,381 16,893 18,388 16,433 7,668 7,052 10,870 9,279 17,131 15,643 17,438 15,483 6,768 6,152 9,970 8,379

94 18,475 16,979 18,484 16,518 7,703 7,082 10,920 9,320 17,225 15,729 17,534 15,568 6,803 6,182 10,020 8,420

95 18,568 17,064 18,579 16,602 7,737 7,113 10,970 9,362 17,318 15,814 17,629 15,652 6,837 6,213 10,070 8,462

96 18,662 17,150 18,674 16,687 7,771 7,143 11,020 9,403 17,412 15,900 17,724 15,737 6,871 6,243 10,120 8,503

97 18,756 17,235 18,769 16,771 7,805 7,173 11,070 9,444 17,506 15,985 17,819 15,821 6,905 6,273 10,170 8,544

98 18,849 17,321 18,865 16,856 7,840 7,204 11,120 9,486 17,599 16,071 17,915 15,906 6,940 6,304 10,220 8,586

99 18,943 17,406 18,960 16,941 7,874 7,234 11,170 9,527 17,693 16,156 18,010 15,991 6,974 6,334 10,270 8,627


USD Basic Plan RiderClass I(Private)


Class III-2(Ward)

Class III-1(Ward)

Class I(Private)


Class III-2(Ward)

Class III-1(Ward)


0 508 339 377 251 179 128 276 181 400 269 295 197 129 92 201 132

1 475 319 348 238 165 120 253 170 374 253 271 186 118 86 184 123

2 440 297 316 224 151 112 231 158 346 234 245 175 108 80 166 114

3 402 275 282 209 137 105 208 147 316 215 217 163 97 74 148 105

4 364 251 248 193 122 97 184 135 286 195 189 150 86 68 131 95

5 323 226 211 177 107 89 160 122 255 175 160 137 75 62 113 86

6 294 210 199 172 102 86 148 118 231 161 152 133 71 59 104 83

7 257 191 185 165 97 82 136 114 199 143 141 129 67 55 96 81

8 223 174 172 160 91 78 124 110 170 128 132 124 63 52 88 78

9 193 159 160 155 86 74 112 106 145 115 124 121 58 49 79 75

10 167 147 149 151 81 71 100 102 124 105 117 118 54 45 71 72

11 164 145 148 152 81 71 101 104 122 102 116 119 54 46 72 74

12 163 146 148 152 81 72 101 106 121 102 116 121 54 47 72 76

13 163 148 148 153 81 73 102 109 120 103 116 122 54 47 72 77

14 163 151 148 154 81 73 102 111 121 105 116 123 54 48 72 79

15 164 154 149 155 81 74 102 114 122 108 116 125 54 49 73 81

16 165 159 149 156 81 75 103 116 123 111 116 126 54 49 73 83

17 167 163 149 156 81 75 103 118 124 115 117 127 54 50 73 84

18 168 167 149 157 81 76 103 121 125 118 117 129 54 51 74 86

19 170 171 150 158 81 77 104 123 127 121 117 130 54 51 74 88

20 171 176 150 159 81 77 104 126 128 125 117 131 54 52 74 90

21 177 185 152 162 81 79 107 129 133 132 118 132 54 53 77 92

22 182 194 154 166 81 81 110 133 137 140 119 134 54 55 79 95

23 187 203 156 169 81 83 113 137 140 147 120 135 54 57 81 98

24 191 212 158 173 81 84 116 140 143 155 122 136 55 58 83 100

25 195 220 160 176 81 86 119 144 146 162 123 137 55 59 85 103

26 198 229 162 180 81 88 122 147 148 170 124 139 55 61 87 106

27 202 238 164 183 81 89 125 151 150 177 125 140 55 62 90 108

28 204 247 166 187 81 91 128 155 151 185 125 141 55 64 92 111

29 207 256 167 190 81 93 131 158 152 192 126 142 55 66 94 114

30 210 265 168 194 81 94 136 162 154 200 126 144 55 67 98 116

Annual Premium of the Plan (US Dollar)

8



Class III-2(Ward)

Class III-1(Ward)

Class I(Private)


Class III-2(Ward)

Class III-1(Ward)


31 216 275 173 201 84 99 141 168 158 208 130 150 57 70 102 121

32 225 286 178 209 86 103 146 174 164 217 133 156 59 74 105 126

33 235 296 183 216 89 106 151 178 172 225 137 161 61 75 109 128

34 244 307 188 225 91 109 155 186 179 233 141 168 63 77 112 135

35 255 317 195 233 94 114 160 189 187 242 146 175 66 81 116 136

36 265 328 202 243 96 117 165 192 195 250 152 183 68 83 120 138

37 275 338 211 252 98 123 170 198 202 259 160 191 70 88 124 142

38 285 348 222 263 101 128 174 208 210 267 170 200 72 92 127 151

39 299 359 236 274 103 135 179 216 221 276 182 210 74 97 130 157

40 317 369 249 286 106 139 183 222 237 284 195 220 76 101 134 162

41 333 387 257 299 112 144 191 232 244 294 201 230 81 104 140 170

42 349 406 264 314 118 148 199 242 252 305 207 242 86 108 147 179

43 363 426 273 330 124 152 207 251 259 318 214 254 91 111 153 185

44 376 449 282 346 129 156 215 262 263 333 221 267 95 115 160 195

45 397 473 296 362 136 160 223 273 277 350 233 280 100 118 166 204

46 416 498 316 382 141 164 231 284 288 368 252 297 105 122 173 212

47 438 525 340 403 147 168 238 294 302 387 275 315 110 125 179 221

48 466 552 369 426 153 172 246 304 322 407 302 335 114 128 186 229

49 491 580 402 448 159 176 254 314 338 427 333 354 119 132 192 238

50 524 609 438 471 165 180 262 325 364 449 368 373 124 135 199 246

51 556 623 469 492 175 187 281 334 396 463 394 393 131 140 212 253

52 589 637 499 515 185 194 299 344 428 477 419 414 139 145 226 260

53 621 651 529 539 195 203 316 356 461 491 444 436 146 151 237 269

54 653 666 560 564 205 211 337 367 493 505 469 458 154 158 253 278

55 686 680 590 589 215 219 360 379 525 519 494 481 161 164 271 286

56 718 694 621 614 224 227 387 390 557 534 520 505 168 170 293 295

57 750 708 651 640 234 236 409 402 590 548 545 529 176 176 310 304

58 782 722 681 666 244 244 433 414 622 562 570 552 183 183 328 313

59 814 736 712 691 254 253 457 427 654 576 595 576 191 190 347 323

60 847 750 742 717 264 263 482 440 687 590 620 600 198 197 367 333

61 907 801 808 771 294 289 517 468 747 641 686 653 223 219 402 361

62 967 851 874 824 324 315 553 497 807 691 752 706 248 240 437 389

63 1,025 902 939 878 354 342 588 526 865 742 818 760 273 261 473 417

64 1,082 952 1,005 932 384 368 624 554 922 792 883 813 298 283 508 444

65 1,138 1,003 1,071 986 414 394 659 583 978 842 949 866 323 304 544 472

66 1,194 1,053 1,137 1,040 444 421 694 611 1,034 893 1,015 920 348 325 579 500

67 1,250 1,104 1,202 1,093 474 447 730 640 1,090 943 1,080 973 373 347 614 527

68 1,306 1,154 1,268 1,147 504 474 765 669 1,146 994 1,146 1,026 398 368 650 555

69 1,361 1,204 1,334 1,201 534 500 801 697 1,201 1,044 1,212 1,079 423 389 685 583

70 1,416 1,255 1,399 1,255 564 526 836 726 1,255 1,095 1,278 1,133 448 411 721 611


9



Class III-2(Ward)

Class III-1(Ward)

Class I(Private)


Class III-2(Ward)

Class III-1(Ward)


71 1,467 1,304 1,453 1,305 587 547 869 753 1,306 1,144 1,331 1,184 472 432 753 638

72 1,518 1,353 1,506 1,356 611 568 901 780 1,357 1,193 1,384 1,234 495 453 786 665

73 1,569 1,402 1,559 1,407 634 589 934 808 1,408 1,242 1,437 1,285 519 474 819 692

74 1,620 1,452 1,612 1,457 658 611 967 835 1,459 1,291 1,490 1,336 542 495 851 720

75 1,671 1,501 1,665 1,508 681 632 999 862 1,510 1,341 1,544 1,386 566 516 884 747

76 1,722 1,550 1,719 1,559 705 653 1,032 889 1,561 1,390 1,597 1,437 589 537 917 774

77 1,773 1,599 1,772 1,610 728 674 1,065 917 1,612 1,439 1,650 1,488 613 558 949 801

78 1,824 1,648 1,825 1,660 752 695 1,097 944 1,663 1,488 1,703 1,539 637 579 982 829

79 1,875 1,697 1,878 1,711 776 716 1,130 971 1,714 1,537 1,756 1,589 660 600 1,015 856

80 1,926 1,747 1,931 1,762 799 737 1,163 999 1,765 1,586 1,809 1,640 684 621 1,047 883

81 1,965 1,785 1,970 1,793 816 752 1,184 1,016 1,805 1,625 1,848 1,671 701 637 1,069 901

82 2,005 1,824 2,009 1,824 833 768 1,205 1,034 1,844 1,664 1,887 1,702 718 653 1,090 918

83 2,044 1,862 2,048 1,856 850 783 1,226 1,051 1,884 1,702 1,926 1,734 735 668 1,111 936

84 2,084 1,901 2,087 1,887 867 799 1,247 1,069 1,923 1,741 1,965 1,765 752 684 1,132 953

85 2,123 1,940 2,126 1,918 884 815 1,269 1,086 1,963 1,779 2,004 1,796 769 699 1,153 971

86 2,163 1,978 2,165 1,949 902 830 1,290 1,104 2,002 1,818 2,043 1,827 786 715 1,174 988

87 2,202 2,017 2,204 1,981 919 846 1,311 1,121 2,042 1,857 2,082 1,859 803 730 1,196 1,006

88 2,242 2,056 2,243 2,012 936 861 1,332 1,139 2,081 1,895 2,121 1,890 820 746 1,217 1,023

89 2,281 2,094 2,282 2,043 953 877 1,353 1,156 2,121 1,934 2,160 1,921 838 762 1,238 1,041

90 2,321 2,133 2,321 2,074 970 892 1,374 1,174 2,160 1,973 2,199 1,952 855 777 1,259 1,058

91 2,333 2,144 2,333 2,085 974 896 1,381 1,179 2,172 1,984 2,211 1,963 859 781 1,265 1,064

92 2,345 2,155 2,345 2,096 979 900 1,387 1,184 2,184 1,995 2,223 1,974 863 785 1,272 1,069

93 2,357 2,166 2,357 2,107 983 904 1,394 1,190 2,196 2,006 2,236 1,985 868 789 1,278 1,074

94 2,369 2,177 2,370 2,118 988 908 1,400 1,195 2,208 2,017 2,248 1,996 872 793 1,285 1,079

95 2,381 2,188 2,382 2,128 992 912 1,406 1,200 2,220 2,027 2,260 2,007 877 797 1,291 1,085

96 2,393 2,199 2,394 2,139 996 916 1,413 1,206 2,232 2,038 2,272 2,018 881 800 1,297 1,090

97 2,405 2,210 2,406 2,150 1,001 920 1,419 1,211 2,244 2,049 2,284 2,028 885 804 1,304 1,095

98 2,417 2,221 2,419 2,161 1,005 924 1,426 1,216 2,256 2,060 2,297 2,039 890 808 1,310 1,101

99 2,429 2,232 2,431 2,172 1,009 927 1,432 1,221 2,268 2,071 2,309 2,050 894 812 1,317 1,106


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This product brochure is for general reference only and is not part of the policy. It provides an overview of the key features of this product and should be read along with other materials which cover additional information about this product. Such materials include, but not limited to, policy provisions that contain exact terms and conditions, benefit illustrations (if any) and other policy documents and other relevant marketing materials, which are all available upon request. You might also consider seeking independent professional advice if needed.

Select Top-Up Medical Plan is designed for individuals looking for long-term financial planning to meet their needs for financial protection against adversities and preparation for health care needs.

Key Product Risks

The following information helps you better understand the key product risks associated with this product that you may need to pay attention before application.

• Premium Payment Term Applicable to Select Top-Up Medical Plan issued as a basic plan - You should only apply for this product if you intend to pay the premium for the whole of the premium payment term. Should you cease paying premiums early, your policy may be terminated and you may lose your insurance coverage and the premiums paid. Applicable to Select Top-Up Medical Plan issued as a rider - You should only

Important Information

apply for this product if you intend to pay the premium for the whole of the premium payment term. Should you cease paying premiums early, you may lose your insurance coverage and the premiums paid under this product.

• Premium Adjustment The Company reserves the right to review and adjust the premium rates of this product based on our expectation and experience on claims. The Company will give prior written notice of any adjustment in premium rates.

• Credit Risk This product is issued and underwritten by the Company. Your policy is therefore subject to the credit risk of the Company. If the Company is unable to satisfy the financial obligation of the policy, you may lose your insurance coverage and the premiums paid.

• Exchange Rate Risk For the policy denominated in currencies other than local currency, you are subject to exchange rate risk. The political and economic environment can affect the currency exchange rate significantly. Exchange rate fluctuates and is determined by the Company from time to time. Any transaction in foreign currencies involves risk. You should take exchange rate risk into consideration when deciding the policy currency.

• Inflation Risk Please note that the medical costs in the future are likely to be higher than they are today due to inflation. Hence, the benefit amounts and the premium rates of this product may be adjusted in the future to reflect the inflation.

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Termination

For Select Top-Up Medical Plan Issued as a Basic Plan Select Top-Up Medical Plan and its coverage will be terminated automatically on the occurrence of the earliest of the following:

• The insured’s death;

• The expiry date of Select Top-Up Medical Plan, i.e. the policy anniversary on which the insured reaches the age of 100;

• Upon your written request for cancellation of Select Top-Up Medical Plan;

• Upon exercising the guaranteed conversion right; or

• Once the lifetime limit is reached.

For Select Top-Up Medical Plan Issued as a Rider Select Top-Up Medical Plan and its coverage will be terminated automatically on the occurrence of the earliest of the following:

• If the policy (to which Select Top-Up Medical Plan is attached) has been converted to a reduced paid-up insurance or extended term insurance due to non-payment of premium (if applicable), or surrendered, expired, lapsed, cancelled or terminated;

• The insured’s death;

• The expiry date of Select Top-Up Medical Plan, i.e. the anniversary of the policy to which Select Top-Up Medical Plan is attached on which the insured reaches the age of 100;

• Upon your written request for cancellation of Select Top-Up Medical Plan;

• Upon exercising the guaranteed conversion right; or

• Once the lifetime limit is reached.

You may cancel your Select Top-Up Medical Plan by submitting the form prescribed by us. You may contact your licensed insurance intermediary or contact our Customer Service Center at +852 2894 9833 to get a copy of the form.

Key Exclusions

• No benefits will be payable if the treatment is a direct or indirect consequence of any of the following:

- All pre-existing conditions;

- Any Congenital Condition which has manifested;

- Care or treatment for which payment is not required or is waived or is recoverable from a third party or under any other insurance including (without limitation) Employee’s Compensation Insurance;

- Pregnancy and complications thereof, child birth (including surgical delivery), infertility, miscarriage, abortion, congenital anomalies, sterilization, pre-natal and post-natal care and conditions arising from surgical, mechanical or chemical contraceptive methods of birth control or Treatment pertaining to infertility;

- Declared or undeclared war, invasion, acts of foreign enemies, civil commotion, revolution, military service, insurrection or usurped power or any warlike operations;

- Actual or attempted violation of the law, resistance to arrest, drug or alcohol abuse, suicide, self-inflicted injuries, or sexually transmitted diseases;

- Psychogeriatric or psychiatric condition, including but not confined to psychosis, depressions, neurosis, anxiety, behavioral disorder, etc;

- Injuries caused by those hazardous sports or aviation;

- Cosmetic or plastic surgery or any elective surgery;

- Eyeglasses and refraction or hearing aids, and prescriptions therefor except as necessitated by injuries from accident wholly occurring during the period of coverage;

- General checkup or health tests including the followings: (i) for medical certificates, (ii) due to employment, travel, diagnosis of an insured’s sickness or injury or any treatment which is not medically necessary, (iii) can be done on out-patient basis;

- Vaccination and immunization injections;

- Convalescence, rehabilitation, custodial or rest care, treatment in sanitarium or functional disorders of the mind;

- Room, board or special hospital services not in accordance with the diagnosis and treatment for which hospital confinement is required;

- Infection with Human Immunodeficiency Virus (HIV), Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC) or any opportunistic infections and/or malignant neoplasm (tumour) found in the presence of HIV, AIDS or ARC;

- Disabilities arising from nuclear weapon material, ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion

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of nuclear fuel. Solely for the purpose of this exclusion, combustion shall include any self-sustaining process of nuclear fission;

- Prostheses, corrective devices and medical appliances which are not surgically required; or

- Dental care and treatment, installation of new dentures or bridges to replace natural teeth.

• No benefits will be payable for hospital confinement which is resulted from illness and/or its symptoms occurred during the waiting period. Select Top-Up Medical Plan issued as a basic plan - “waiting period” is the first 30 days from the date of issue of the policy or the date of reinstatement of the policy, whichever is later. For the following illnesses, the waiting period will be the first 120 days from the date of issue of the policy or the date of reinstatement of the policy, whichever is later: illness of tonsils, adenoid, hernia or a disease particular to the female generative organs. Select Top-Up Medical Plan issued as a rider - “waiting period” is the first 30 days from the date of issue of the policy to which Select Top-Up Medical Plan is attached, the date of issue of Select Top-Up Medical Plan or the date of reinstatement of the policy to which Select Top-Up Medical Plan is attached, whichever is the latest. For the following illnesses, the waiting period is the first 120 days from the date of issue of the policy to which Select Top-Up Medical Plan is attached, the date of issue of Select Top-Up Medical Plan or the date of reinstatement of the policy to which Select Top-Up Medical Plan is attached, whichever is the latest: tonsils, adenoid, hernia or a disease

particular to the female generative organs. No waiting period will be required if hospitalization is due to accident.

• Select Top-Up Medical Plan issued as a basic plan - if the insured commits suicide, while sane or insane, within two years of the date of issue or the date of reinstatement of the policy, whichever is later, the insurance coverage will end and we will refund the total amount of premiums you paid without any interest, less any amount

Class of Ward Entitled under this Plan

Actual Class of Ward during Confinement

Adjustment Factor

Ward Semi-private 50%Ward Private 25%Semi-private Private 50%

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paid to you by the Company under the policy and any unpaid loan together with accrued interest.

Revision of Benefits

We reserve the right to revise the benefits payable under this plan to keep the level of benefits in line with the changing medical costs. The premium of this plan will be adjusted accordingly. We shall notify you the changes in writing at least 30 days prior to the anniversary of the policy.

Product Limitation

• Benefits under this plan are payable only if the treatments, medical procedures or medical services received by the insured are medically necessary (except for Compassionate Death Benefit and Additional Death Benefit for Organ Donor). “Medically Necessary” means a medical service which is:

- consistent with the diagnosis and customary western medical treatment for the condition of the illnesses;

- in accordance with standards of good medical practice;

- not for the convenience of the insured or the registered medical practitioner;

- for which the charges are fair and reasonable for such confinement, and medically necessary shall be construed accordingly; and

- not experimental in nature.

• Adjustment Factor applicable if the class of ward of confinement is higher than that of this plan:

Claims

We must be notified in writing within 20 days from the date of admission to hospital in the event of any claim and failure to do so may invalidate a claim unless it can be shown that the circumstances have not been reasonably possible to give such notice and that notice was given as soon as reasonably possible. Admission of any claim will be subject to the proof as required to be provided by you or the insured.

If the period of hospital confinement is longer than 30 days, the claims should be submitted to us monthly.

You should provide the proof to us within 30 days from the date of leaving the hospital. The original documentation and receipts together with a fully completed claim form must be submitted. The cost incurred in providing such proof and medical examination shall be borne by you. You may contact your licensed insurance intermediary or contact our Customer Service Center at +852 2894 9833 to get a copy of the form, or you can download it from our Company website at life.chubb.com/hk.

Disclosure

In the event of material misrepresentation, fraud or non-disclosure, we will contest the policy and all the monies paid to us under the policy will be forfeited.

Cooling-off Period (if Select Top-Up Medical Plan is issued as a rider, cooling-off period is not applicable to Select Top-Up Medical Plan which is attached to a policy after policy issuance)

If you are not satisfied with your policy, you have the right to cancel it by submitting a signed notice and return the policy document (if any) to Chubb Life Insurance Company Ltd. at 33/F Chubb Tower, Windsor House, 311 Gloucester Road, Causeway Bay, Hong Kong within a period of 21 calendar days immediately following either the day of delivery of the policy or a notice informing you or your nominated representative about the availability of the policy and the expiry date of the cooling-off period, whichever is earlier. If the last day of the 21-calendar day period is not a working day, the

cooling-off period shall include the next working day. Upon such cancellation of the policy, we will refund the total amount of premiums you paid without any interest, less any amount paid to you by the Company under the policy, in the original currency paid by you subject to any fluctuation of exchange rate upon cancellation, provided that the amount refunded will not exceed the total amount you paid in the original currency under the policy.

Collection of Premium Levy by Insurance Authority

The Insurance Authority started collecting levy on insurance premiums from policyowners for policies issued in Hong Kong since January 1, 2018. For details of the levy and its collection arrangement, please visit our Company website at life.chubb.com/hk or contact our Customer Service Center at +852 2894 9833. In the event that we refund your premiums, whether in full or in part, e.g. upon cancellation of your policy during the cooling-off period, the proportionate levy paid by you will also be refunded accordingly.

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This product brochure is intended as a general reference and does not form part of the policy. Please refer to the policy documents for the exact terms and conditions. It is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell or solicitation to buy or provision of any of our products outside Hong Kong. This product brochure is printed and distributed by Chubb Life Insurance Company Ltd. (Incorporated in Bermuda with Limited Liability).

© 2020 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos, and Chubb. Insured.SM are protected trademarks of Chubb.

P83/EN/0720/HD/WRJuly 2020

Contact Us

Chubb Life Insurance Company Ltd.(Incorporated in Bermuda with Limited Liability)

22/F, Chubb Tower, Windsor House, 311 Gloucester Road, Causeway Bay, Hong Kong

life.chubb.com/hk 2894 9833

Chubb Life Select Top-Up Medical Plan

Documents

Transcript of Chubb Life Select Top-Up Medical Plan