INTRODUCTION
BENEFITS & COVERAGES
PREMIUM

HospitalRefund 102 Plan

When there is an unexpected hospitalization due to sickness or accident, it may affect your regular income and create financial burden. The HospitalRefund 102 Plan offers you a Daily Cash Benefit for each day of confinement. Protecting you against income loss during confinement and extra expenses, allowing you to receive medical treatment with a peace of mind!

To meet different financial needs, you may select Premium Paying Period of 31), 5 or 10 years, with protection up to 15 years2). This plan also offers 102% of premium refund at maturity, regardless of any claims made during the Benefit Term, ensuring extra peace of mind!

PLAN FEATURES & BENEFITS

  • Daily Cash Benefit up to $1,500
  • Double Daily Cash Benefit
  • Total Permanent Disability Benefit 3)4)
  • 102% Premium Refund at Maturity
  • Death Benefit
  • Fixed premium throughout the period
  • Easy Application​
Insured Age (years old ) 5) 6 months – 55 years old 56 57 58 59 60
Benefit Term (years) 15 14 13 12 11 10
Premium Paying Period (years) 5 / 10 3
Daily Cash Benefit $600 / $900 / $1,200 / $1,500
Payment Mode Annual / Monthly6)
Plan Currency MOP / HKD

Notes:

  1. Applicable to the Insured who are aged from 56 to 60 on the Policy Effective Date.
  2. Benefit Term varies with the Issue Age of Insured, for details, please refer to the section of “Plan Summary” in this website.
  3. Only available if the Insured faces Total Permanent Disability (TPD) between the ages 18 and 64 (both inclusive).
  4. Total Permanent Disability continues during a period of at least 12 months of inability to perform 3 out of 5 activities of daily living. Activities of daily living mean washing, dressing, feeding, toileting and transferring.
  5. Issue Age is defined as age last birthday.
  6. Monthly premium = Annual Premium/12 x 1.06

This product is underwritten by Fidelidade Macau Life — Insurance Company Limited. The above product information is for reference only.

Download this Product Leaflet here. Please contact us for further details about the product and how to apply for it.

  • Daily Cash Benefit up to MOP 1,500 

This plan gives you 4 options of Daily Cash Benefit, payable up to 1,000 days for each confinement in Macau, Hong Kong and Specific Area 1).

Location of Confinement Macao, Hong Kong &
Other Specific Areas1) 		Non Specific Areas
Daily Cash Benefit $600 $900 $1,200 $1,500 $300 $450 $600 $750
Max. no. of days per confinement 1,000 45

*The Daily Cash Benefit of confinement in Mainland China & Non Specific Area is 50% of the Daily Cash Benefit of confinement in Macau, Hong Kong & Specific Area

  • Double Daily Cash Benefit

The Daily Cash Benefit shall be doubled in case of hospitalisation in the Intensive Care Unit (payable up to 90 days), specific major organ transplant operation (payable up to 90 days) or specific infectious disease inclusive of COVID-19 (payable up to 30 days).

  • Total Permanent Disability Benefit 2)3)

If the Insured suffers Total Permanent Disability2)3), a reimbursement of associated costs will be payable up to the limit of 100 days of Daily Cash Benefit.

  • 102% Premium Refund at Maturity

You will receive 102% of the Total Premiums Paid as Maturity Benefit, even if you have made claims on Daily Cash Benefit.

  • Death Benefit

In case of death of the Insured, the benefit shall be 102% of the total premiums paid. In case of Accidental Death, the benefit shall be doubled.

  • Fixed premium throughout the period

You may select Premium Paying Period of 34), 5 or 10 years and with a fixed premium throughout the Premium Paying Period to fit your financial planning the best!

  • Easy Application

Easy application process and no medical examinations required.

Notes:

1) Specific Areas includes the following countries/ regions:

(i) Asia: Hong Kong, Japan, Macao, Malaysia, Singapore, South Korea, Taiwan and Thailand;

(ii) Oceania: Australia and New Zealand;

(iii) North America: Canada and USA;

(iv) Europe: Andorra, Austria, Belgium, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom and Vatican City.

2) Only available if the insured suffers from total disability between the ages 18 and 64 (both inclusive).

3) The total disability is considered as permanent if it continues during a period of at least 12 months of inability to perform 3 out of 5 activities of daily living. Activities of daily living mean washing, dressing, feeding, toileting and transferring.

4) Applicable to the Insured who are aged from 56 to 60 on the Policy Effective Date.

This product is underwritten by Fidelidade Macau Life — Insurance Company Limited. The above product information is for reference only.

Download this Product Leaflet here. Please contact us for further details about the product and how to apply for it.

ANNUAL PREMIUM1) TABLE (MOP/HKD)

Premium Paying Period: 10 years
  Male Female
   
    		Daily Cash Benefit Daily Cash Benefit
Issue Age2) 600 900 1,200 1,500 600 900 1,200 1,500
6 months – 5 years old 10,534 15,096 19,654 24,289 8,675 12,355 16,040 19,757
6 – 10 5,541 7,678 9,720 11,852 4,860 6,580 8,297 10,039
11 – 15 4,616 6,213 7,834 9,429 4,007 5,400 6,783 8,119
16 – 20 4,364 5,840 7,348 8,925 4,054 5,465 6,875 8,215
21 – 25 4,770 6,473 8,135 9,879 4,814 6,546 8,246 10,071
26 – 30 5,191 7,141 9,110 10,991 5,327 7,390 9,442 11,465
31 – 35 6,050 8,397 10,640 13,026 6,399 8,889 11,452 13,935
36 – 40 7,017 9,812 12,608 15,406 7,667 10,829 13,960 17,092
41 – 45 9,012 12,726 16,604 20,415 9,486 13,574 17,518 21,495
46 – 50 11,678 16,808 21,970 27,152 11,157 16,117 20,899 25,788
51 – 55 19,135 27,979 36,552 45,378 16,857 24,464 32,097 39,744

 

Premium Paying Period: 5 years
  Male Female
   
    		Daily Cash Benefit Daily Cash Benefit
Issue Age2) 600 900 1,200 1,500 600 900 1,200 1,500
6 months – 5 years old 16,687 24,002 31,320 38,495 13,827 19,591 25,296 31,300
6 – 10 8,887 12,203 15,574 18,939 7,726 10,550 13,295 16,043
11 – 15 7,377 9,945 12,496 15,057 6,411 8,493 10,564 12,728
16 – 20 6,978 9,317 11,674 13,923 6,488 8,605 10,700 12,947
21 – 25 7,613 10,361 13,043 15,730 7,692 10,493 13,218 15,948
26 – 30 8,320 11,402 14,454 17,625 8,656 11,748 15,061 18,359
31 – 35 9,719 13,545 17,193 20,939 10,281 14,330 18,29 22,345
36 – 40 11,238 15,734 20,313 24,718 12,251 17,335 22,252 27,263
41 – 45 14,403 20,399 26,427 32,435 15,123 21,571 27,884 34,292
46 – 50 18,390 26,557 34,713 42,863 17,602 25,355 33,094 41,066
51 – 55 30,446 44,198 58,137 72,067 26,571 38,798 50,984 63,169

 

Premium Paying Period: 3 years
  Male Female
   
    		Daily Cash Benefit Daily Cash Benefit
Issue Age2) 600 900 1,200 1,500 600 900 1,200 1,500
56 61,579 90,650 119,712 148,771 53,127 78,058 102,952 127,260
57 65,789 96,923 128,038 159,152 56,753 83,388 109,190 135,757
58 71,343 105,184 139,023 172,860 61,476 90,438 119,387 148,323
59 78,502 115,950 153,392 190,830 68,040 100,185 132,327 164,466
60 88,485 130,800 173,109 215,415 76,524 112,795 147,487 183,483

1)Monthly premium = Annual Premium/12 x 1.06

2)Issue Age is defined as age last birthday.

This product is underwritten by Fidelidade Macau Life — Insurance Company Limited. The above product information is for reference only.

Download this Product Leaflet here. Please contact us for further details about the product and how to apply for it.