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)

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 1351, Email at metlife_hk_dsf_admin@metlife.com

Or simply fill out our Contact Us form online.

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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.

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Email us: customerservices@metlife.com.hk