This webpage is for general reference only and should not be regarded as professional advice, recommendation and it is not part of the policy. It provides an overview of the key features of the product and should be read along with other materials which cover additional information about the product. Such materials include, but not limited to, product brochure that contains key product risks, policy provisions that contain exact terms and conditions, benefit illustrations (if any) and other policy documents and other relevant marketing materials, which are all available upon request. You might also consider seeking independent professional advice if needed.

The above information shall not be construed as an offer to sell, solicitation or persuasion to buy or provision of any of our products outside Hong Kong. For further information, please contact your Chubb Life Hong Kong Insurance Consultant or call our Customer Service Center Hotline at (852) 2894 9833.
The “Chubb Life Hong Kong”, “Company”, “we”, or “our” herein refers to Chubb Life Insurance Hong Kong Limited. “You”, “Your”, “Yourself” herein refers to the Insured.

1. These services do not form part of the Plan. The Company, the third-party service provider(s) and its designated service provider(s) reserve the right to terminate or vary any part or all of the services at their sole discretion without notice. We shall not be responsible or liable for any acts, negligence and omissions to act on the part of the medical services and treatments provided by the third-party service provider(s) and its designated service provider(s), case management team and medical network, or its personnel (including doctors, nurses, other medical staff or other professional healthcare or personal care workers). We make no representation, warranty or undertaking as to any service offered, provided or procured by the third-party service provider(s) and its designated service provider(s). Your Policy must be in force when using the services. Unless otherwise specified, we only cover the costs for the administrative support of the above services for the Insured and 2 family members designated by Owner. All the actual costs of the services (if any) incurred by arranged and referred services shall be borne by you. In other words, you may be asked to pay for the relevant services when you use them.  Please refer to the “Step by Step Care – value-added services leaflet” for details and the applicable terms and conditions of the related services.
2. The Insured can be considered to suffer from Moderate Dementia or Severe Dementia if they experience conditions that lead to progressive deterioration or loss of intellectual capacity, or abnormal behavior, resulting in a permanent and significant reduction in mental and social functioning. This diagnosis must be supported by specific criteria and confirmed by a Registered Specialist in psychiatry, neurology, or geriatrics. The conditions must directly result in the Insured’s total and permanent inability to perform certain Activities of Daily Living, making the Insured require continuous supervision and assistance by another person with Activities of Daily Living. Please refer to the Policy provisions for the detailed definition of Moderate Dementia and Severe Dementia.
3. For claiming the Moderate Dementia Benefit, Severe Dementia Benefit and Caregiver Support Benefit, you or the claimant must notify us in writing within 60 days from the date of the Insured’s initial diagnosis of a Moderate Dementia or Severe Dementia, or the date of the Caregiver receiving counselling related to Mental Distress (as the case may be) under this Plan. A fully completed claim form and all relevant proof as required by us of claim must be provided to us at your or the claimant’s own expense within 180 days of the Insured’s initial diagnosis or the Caregiver’s counselling date. Please refer to the Policy provisions for the details.
4. If the Insured is diagnosed with Severe Dementia and the Severe Dementia Benefit is payable, all future Premium payable (if any) under this Policy will be waived after the initial diagnosis of the Severe Dementia. Where there has been an overpayment of premium, we will refund the overpaid premium. Wavier of Premium shall apply from the next scheduled Premium Due Date following the claim of the Severe Dementia Benefit being approved by us.
5. During the lifetime of the Insured and while the Policy is in force, if the Severe Dementia Benefit is payable after the Waiting Period, following the payment of the Severe Dementia Benefit, we will pay Continuing Care Benefit in monthly installments up to 15 years. We will make the 1st installment payment 1 year after the Severe Dementia Benefit is first paid, and continue making installment payments on a monthly basis until all installments are paid or the death of the Insured, whichever is earlier. To receive the Continuing Care Benefit, you or the claimant must submit evidence showing the Insured is alive not less than 1 month but not more than 2 months prior to the 1st installment payment, and on a yearly basis thereafter. We will withhold payment of this benefit if you or the claimant fails to submit evidence to our satisfaction.
6. You are strongly advised to designate a Successor Owner who will become the new Owner of the Policy after you are diagnosed as Mentally Incapacitated (as defined under the Mental Health Ordinance (Cap. 136 of the Laws of Hong Kong)) by a Registered Specialist in psychiatry, neurology or geriatrics. In the event that no Successor Owner has been successfully designated and recorded by us, any Moderate Dementia Benefit, Severe Dementia Benefit, Continuing Care Benefit and Caregiver Support Benefit which have become payable will be paid to you even though you have already been diagnosed as Mentally Incapacitated. We reserve the right to withhold payment for any such benefits if we are unable to make payment to you due to any reason beyond our reasonable control.
7. Written application for the designation of a Successor Owner should be made by the Owner. When the Owner is changed or a new Successor Owner is named, any prior designation of Successor Owner will be cancelled. Neither of these actions would change the Beneficiary on our record. The Successor Owner must notify us in writing within 60 days from the date when the Owner becomes Mentally Incapacitated. All relevant proof as required by us must be provided at the Successor Owner’s own expense within 180 days from the date of the initial diagnosis. All rights of ownership in your Policy will be passed to the Successor Owner after the Owner dies or is Mentally Incapacitated upon our approval of the request. Please refer to the Policy provisions for details.
8. During the Continuing Care Benefit payout period, evidence of the Insured’s survival is required. For the avoidance of doubt, if the necessary evidence of the Insured’s survival is not provided, the Caregiver Support Benefit will not be paid.
9. Caregiver means the family member, relative or friend (excluding a foreign domestic helper) of the Insured who is aged 18 or above and assists the Insured with daily activities or medical care after the Insured is diagnosed with Severe Dementia, as designated by you and such designation has been approved and recorded by us.