• Private medical insurance can cover the cost of private healthcare, including specialist fees, diagnosis fees, treatment fees, various examination fees, surgery fees, hospital charges and other additional services (such as private ambulance fees, nurse caring, online consultation, etc.). You can also add dental insurance, travel insurance, physical therapy insurance and psychotherapy insurance.

• Life insurance is a type of financial protection that pays out following a valid claim if the policyholder dies. The payout is typically a cash sum. After the death of the insured person, the payout from a life insurance policy could be used to support dependents with ongoing living costs, such as the mortgage or rent, childcare, and household bills. You can also add critical illness insurance and disability insurance as additional coverage. For customers who purchase life insurance and critical illness insurance, we will help you set up a trust for free.

• Critical illness insurance, means that when the insured suffers from a serious disease, such as cancer, heart disease, stroke, etc., and meets the claims conditions, the insurance company will make a one-time payment according to the insurance amount agreed in the contract.

• Income Protection protects the insurer if they are unable to continue their work due to accident or sickness resulting in temporary or permanent loss of income. The insurance company will pay a set amount of tax-free income to the insurer regularly during the contract period.

** The plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

** The policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents.