Refundable accident protection

Refundable Critical Illness Protection

MetLife 100 Times Refundable Critical Illness Protection Plan

Facing a critical illness takes a huge toll on patients and their loved ones. Besides the enormity of the illness, there’s the nagging worry about financial costs. The MetLife 100 Times Refundable Critical Illness Protection Plan offers comprehensive protection, so if the unexpected were to happen, you can focus on what’s most important – your recovery.

Benefits for you

  • Up to HK$250,000 lump sum cash benefit paid upon confirmed diagnosis of covered Critical Illness
  • Up to HK$37,500 Medical Expenses Reimbursement upon confirmed diagnosis of covered Critical illness (covers both Western and Chinese medicine)
  • Refund of 100% of total premium paid plus HK$5,000 Life Benefit paid if there is a death with no Dread Disease Benefit paid 
  • No medical examination
  • If policy is terminated before maturity, refund of premium will be calculated as follows: 
  • Termination occurs Premium refund calculated as the % of total premium paid
    Before the end of 2nd policy yr. 0%
    Upon or after the end of 2nd policy yr. 10%
    Upon or after the end of 3rd policy yr. 20%
    Upon or after the end of 4th policy yr. 30%
    Upon or after the end of 5th policy yr. 40%
    Upon or after the end of 6th policy yr. 45%
    Upon or after the end of 7th policy yr. 55%
    Upon or after the end of 8th policy yr. 65%
    Upon or after the end of 9th policy yr. 75%
    At the end of 10th policy yr. 83.3% (100 times of the monthly premium paid)

Product features

Question Answer
Is it designed to help cover a mortgage?
  • No
Is it designed to provide a lump sum for loved ones?
  • Yes
Does the amount of coverage stay the same for the duration of the plan? Or provide a min coverage
  • Yes
Is it designed to have an investment opportunity?
  • No
How long does the coverage last?

10 years term, issue up to age 55

Is critical illness coverage included?
  • Yes
Can you choose the amount of coverage?
  • Yes
Coverage Details and limits

Up to Sum insured HK$250,000 Critical Illness +
HK$37,500 Medical Expenses +
HK$5,000 Life Benefit + 100% of Total Premium paid

Are both men and women eligible?
  • Yes
How much will it cost?
  • You decide this
Can I pay in multiple currencies?
  • HKD only
What is the age eligibility?
  • Up to age 55
How do you apply?
  • Call us
Remarks
  • Please refer to the below Remarks, Exclusions and Important notes

The above information is for reference only and the policy may contain exclusions. For more in-depth policy terms and conditions, please refer to the policy provisions of MetLife 100 Times Refundable Critical Illness Protection Plan. 

 

Still not sure?

Get in touch with our MetLife Representatives. 

Call +852 2199 1000

Or simply fill out our Contact Us form online.

click to show more

Remarks, Exclusions, & Important Notes

•   If the insured person has to undergo a covered surgery, Critical Illness Benefit is payable after the insured person actually undergoes the surgery.

•   There is an elimination period and a survival period for Critical Illness Benefit. Elimination period: any signs or symptoms of the covered critical illness or covered surgery, must occur more than 90 days after the coverage comes into effect (the effective date) or 90 days after the date of last reinstatement. Survival period: the life insured must survive at least 30 days after the first confirmed diagnosis of covered critical illness, or after undergoing the covered surgery.

•   This plan offers 4 different benefit levels and the coverage amount refers to the enrolled benefit levels.

•   The policy will terminate upon full payment of Medical Expense Benefit.

Important Notes:

•   The above information is for reference only. Please refer to the Policy Provision of MetLife 100 Times Refundable Critical Illness Protection Plan  (“the Plan”) for details.

•   All insurance policies contain exclusions. Please refer to the Policy Provision of the Plan for details.

•   Metropolitan Life Insurance Company of Hong Kong Limited is the insurance underwriter of the Plan and is solely responsible for all content, approval, coverage and benefit payment. Metropolitan Life Insurance Company of Hong Kong Limited is a wholly-owned subsidiary of MetLife, Inc. in Hong Kong and operates under the “MetLife” brand.

•   In case of any discrepancy between the English and Chinese versions, the English version shall always prevail.

Contact Us

Submit

Contact Us

+852 2199 1000

Monday to Friday
9:00 am to 7:00 pm
Saturday 9:00 am to 1:00 pm
(Closed on Sunday and Public Holidays)

Email us: customerservices@metlife.com.hk