癌症保

由於投保書內的問題均為雙方合約的基礎, 被保險人必須誠實及準確地回答。

癌症是典型不受控細胞增生入侵體內組織而成為腫瘤及經細胞檢驗和病理學報告確定。

主要有手術切除, 化療, 放射性治療,荷爾蒙治療, 免疫糸统治療, 標靶治療及基因治療等等,並須在指定醫院內診治, 但不包括其他支援性或防預性治療藥物。

自費藥物是按醫院管理局所訂立。非直接治療癌症的自費药物,是不在此計劃內承保之列, 如防預性或支援性等等。

吸煙者是指在投保前的五年內曾吸食任何煙草産品或電子煙。

在第一次投保時,被保險人必須為以起始日計算,年齡滿18歲至55歲。續保則可至85歲。

由保單起始日起無間斷地的首90天(含首尾兩天)。

終生可達港幣50萬。

由於中醫藥對療程一般有舒緩作用,申請人可以考意這項付費的擴展保障

保障範圍
這項附加擴展保障是在保單有效期內由指定中醫師(即由香港大學轄下中醫院內註册的中醫師)處方的藥物費用而賠付基本條件是

(1) 被保險人已被確診及
(2) 已構成基本保單項下自費藥物的理賠條件

中醫師的診金是保單的除外責任。

限額
每天上限為港幣250元或80%的藥費, 以較低為準及終生可達港幣50,000

Self-Financed Drugs for Treatment of Cancer Disease in Hong Kong Government Hospitals Insurance Plan Chinese Medicine Benefit Rider (Download Specimen Policy)


This Rider is part of the Policy to which it is attached. This Rider, while in force, is subject to the followings:


Insuring Coverage

The Chinese Medicine Benefit, as stated below, will indemnify the Policyholder against the costs of Chinese Medicine incurred during the Period of Insurance when the Policyholder is administered Self-Financed Drugs; provided always that:

1.  the costs of Self-Financed Drugs have been admitted under the Policy; and
2.  the costs of Chinese Medicine are prescribed by a designated Chinese Medicine Practitioner stipulated below.

The panel of designated Chinese Medicine Practitioners is restricted to the followings and no others:

1.  Ms Tang Fun Yi (Registration Number 005582); or
2.  of Chinese Medicine Clinical Centres which are directly under the School of Chinese Medicine of the University of Hong Kong.


Limit of Indemnity

The Policyholder shall bear 20% of the costs of prescribed Chinese Medicine.

The Company shall pay for 80% of the costs of prescribed Chinese Medicine subject to a maximum of:

HK$250          per day
HK$50,000     during a lifetime (subsequent renewals: in    aggregate for the reducing balance of Limit of Indemnity after payment, if any, in prior policy year(s))

Exclusion

No benefit is payable under this Rider for consultation fee of Chinese Medicine Practitioner.

Unless otherwise provided herein, the terms, conditions and provisions of the Policy will apply to this Rider. This Insurance Policy is issued in Hong Kong on the date of signing.

For and on behalf of
United Builders Insurance Company Limited






____________________________________
Digital Signature

Date of Signing:




Self-Financed Drugs for Treatment of Cancer Disease in Hong Kong Government Hospitals Insurance Plan (Download Specimen Policy)

Policy Schedule

Policy Number

The Company                           United Builders Insurance Company Limited       
                                              Address:14th Floor, PICO Tower, 66 Gloucester Road, Hong Kong

The Policyholder                        Name
                                               Age         (based on last birthday)
                                               Address


First Insurance Date

Period of Insurance (both dates    From:
inclusive at 00:00 hours)                 To:

Limit of Indemnity                       HK$500,000
                                                 Subjectivities:
                                                 a)  1 st Policy of The Plan: in    aggregate for all costs of Self-Financed Drugs for Treatment            during the Period of Insurance
                                                 b)  Subsequent continuous and    uninterrupted renewals: in aggregate for the reducing balance of Limit of Indemnity after payment, if any, in prior policy year(s)

Chinese Medicine Extension          Nil or HK$50,000

Annual Premium                         HK$
IA Levy (0.1%)                           HK$                                     


Proposal Form                           See attachment.
Proposal Form is the basis of contract between the Policyholder and the Company

This Insurance Policy is issued in Hong Kong on the date of signing.



For and on behalf of United Builders Insurance Company Limited



____________________________________
Digital Signature

Date of Signing: