Give You 5 promotion offer
Successfully apply for designated plans from 1 April to 30 June 2023 to enjoy a preferential Premium Deposit Fund (“PDF”) interest rate of 5% p.a.* on the prepaid premium during the Premium Prepayment Period, on top of any prevailing customer promotion(s)~. For details, please visit here.
* The preferential PDF interest rate is not guaranteed. Generali Life (Hong Kong) Limited (the “Company”) reserves the right to revise the rates from time to time.
~ Prevailing customer promotion(s) refers to any customer promotions of designated plans offered concurrently at the time of the application of such plan. For details, please refer to the relevant promotion flyer.
~ Prevailing customer promotion(s) refers to any customer promotions of designated plans offered concurrently at the time of the application of such plan. For details, please refer to the relevant promotion flyer.
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.
Unlimited Major Critical Illness Benefit, until age 100~
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~.
Accumulate your benefits with interest
The Plan allows you to accumulate the benefit payouts (except death benefit) in the Benefit Accumulation Account to earn non-guaranteed interest7. You may choose to withdraw some money from the account to settle only a portion of the medical expense if you have the budget as such keeping the remaining balance to earn non-guaranteed interest7, or withdraw the balance at any time8 based on your needs.
Flexibility to lock-in Terminal Dividend6 for securing market upside
The Plan provides Terminal Dividend9 from the 5th Policy Anniversary to further boost your benefits. The Company will pay the Terminal Dividend9 upon policy surrender (whether in full or part), first payment of Major Critical Illness Benefit1, early termination (e.g. death of the Insured if no Major Critical Illness Benefit1 was paid or payable, or lapse of the policy) or expiration of the Policy.
Subject to the Company’s approval and the relevant terms and conditions, you may opt to lock-in a portion of Terminal Dividend9 amount through Flexi Lock-in Option6 and allocate to the Benefit Accumulation Account for accumulating non-guaranteed interest7. You may choose to cash it out at any time8 based on your needs.
*Based on comparing it with other critical illness plans issued by Hong Kong’s major life insurance companies as at June 2022.
~If the Plan is intended for unborn baby4, coverage period will be 100 years after policy becomes effective.
Extra 60% of Sum Assured on Major Critical Illnesses or death before the 10th Policy Anniversary
Before the 10th Policy Anniversary, the Company will pay a one-off Extra Coverage Benefit3, which is equivalent to 60% of Sum Assured, 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.
Protection during your pregnancy stage
The Plan covers mother during the pregnancy stage upon miscarriage, stillbirth, a pregnancy termination or in the event of death of both the mother and baby4.
Protection upon the birth of your child
Your child (as the Insured after birth) will be able to enjoy savings and a full coverage# against critical illnesses and death upon birth and until age 100.
Additional 40% of Sum Assured protection for Cancer before the Insured reaches age 22
The Company will pay a one-off Extra Child Cancer Benefit5, which is equivalent to 40% of Sum Assured, for the 1st diagnosed suffering from Cancer before your child reaches age 22, giving you and your child tremendous support during the hard times.
Distinctive juvenile illnesses coverage
The Plan covers 12 juvenile illnesses, such as Attention-Deficit Hyperactivity Disorder (ADHD), Autism and Tourette Syndrome (TS), which are distinctive in the market*. Your child will also be guarded even if the illnesses are arose from congenital conditions, allowing you and your children to go through the hard time together.
*Based on comparing it with other critical illness plans issued by Hong Kong’s major life insurance companies as at June 2022.
#Full coverage on covered illness benefit will be available after 90 days of birth, and full coverage on death will be available after 180 days of birth. For details of this coverage, please refer to “Unborn Baby Benefit” under the “Plan Summary” section in the Product Brochure.
Major Critical Illness Benefit 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. 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.
Major Critical Illness Benefit1 (69 Major Critical Illnesses)
If you have been unfortunately diagnosed with the covered Major Critical Illnesses, 100% of Sum Assured will be payable for each covered Major Critical Illnesses as the Major Critical Illness Benefit1. Each subsequent payout of other Major Critical Illnesses under the Major Critical Illness Benefit1 will not be affected by any other nor preceding claims.
Early Stage or Minor Illness Benefit9 (69 Early Stage or Minor Illnesses)
If you have been unfortunately diagnosed with the covered Early Stage or Minor Illnesses, the Company will pay 20% of Sum Assured for each of the covered Early Stage or Minor Illnesses (including juvenile illnesses) as Early Stage or Minor Illness Benefit10. The benefit payable under Early Stage or Minor Illness Benefit10 will also cover Carcinoma-in-situ, Percutaneous Coronary Intervention and Surgical Excision of Covered Benign Tumour (which is initially considered by a medical specialist to have definite and significant malignant potential but is finally diagnosed to be a non-cancerous benign tumour after completing the excision by a medical specialist).
Please refer to “List of Covered Illnesses under the Plan” in Product Brochure regarding the scope of illness coverage.
Gift of Life
From the beginning of life journey, Generali’s enhanced Critical Illness Plan – LionGuardian Beyond provides ∞ unlimited Major Critical Illness Benefit. Future premium will be waived one 100% of Sum Assured is paid while enjoying protection until age 100. LionGuardian Beyond protects your child by providing unlimited protection even with the recurrence, metastasis or persistence of cancer.
Comprehensive Protection with Unlimited Claim
Advancements in medical technology has led to higher cancer survival rates, however, cancer often recurs. If the cancer recurs, persists or spreads, how do you ensure that you have enough money to handle the hefty medical expenses? How does LionGuardian Beyond provide comprehensive protection and support to Mr. Chan and his family on the road of recovery? Click on the video now to know more!
Gift of Life for Ruby Lam's baby
After the birth of her son, the usually care-free Ruby Lam became increasingly worrisome, especially about her son’s health. Ruby decided to give him a Gift of Life with Generali’s critical illness plan, providing him unlimited claims for Major Critical Illness until age 100. LionGuardian Beyond also offers additional child protection. Click on the video now to learn more about why Ruby chooses Generali’s critical illness plan.
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 underwritten 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.
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