1. “Cancer” means a malignant tumour characterized by the uncontrolled growth and spread of malignant cells and the invasion of normal tissues. The cancer should be confirmed by histological evidence of malignancy on a pathology report. This includes leukaemia, but excludes any of the following: a. Any lesions described as pre-malignant, non-invasive or carcinoma-in-situ; b. Any non-melanoma skin cancer of AJCC stage I or below; c. All tumours in the presence of any human immunodeficiency virus; or d. Chronic Lymphocytic Leukaemia (CLL) at RAI Stage 0 or less.

2. “Carcinoma-in-situ” means a focal autonomous new growth of carcinomatous cells which has not yet resulted in the invasion of normal tissues. “Invasion” means an infiltration and/or active destruction of tissue or surrounding tissue beyond the basement membrane. The diagnosis of Carcinoma-in-situ must always be supported by a histopathological biopsy report and confirmed by a Registered Specialist in the relevant field. Clinical or cytological diagnosis alone does not meet this standard. For Carcinoma-in-situ of Cervix Uteri, it must be at a grading of CIN III – which has been confirmed by histopathology as Carcinoma-in-situ. For Carcinoma-in-situ of Prostate Gland, it must be at a grading of Prostatic Intraepithelial Neoplasia (PIN III) – which has been confirmed by histopathology as Carcinoma-in-situ.

3. The Rider will only cover the Medically Necessary expenses related to the diagnosis and treatments of the Covered Cancer, and such charges must be Reasonable and Customary. “Medically Necessary” means a medical service which is: (i) consistent with the diagnosis and customary western medical treatment for the condition; (ii) in accordance with standards of good medical practice; (iii) not for the convenience of the Insured or the Registered Medical Practitioner; (iv) for which the charges are fair and reasonable for such Covered Cancer, and medically necessary shall be construed accordingly; and (v) not experimental in nature. “Reasonable and Customary” means, in relation to a charge for medical service, such level which does not exceed the general range of charges being charged by the relevant service providers in the locality where the charge is incurred for similar treatment, services or supplies to individuals with similar conditions, e.g. of the same sex and similar Age, for a similar disability, as determined by the Company. The Reasonable and Customary charges shall not in any event exceed the actual charges incurred.

4. “Lifetime Limit” means the maximum total benefit amount paid and payable per Insured cumulatively under the diagnostic benefit, hospitalization and surgical benefit, outpatient benefit, Reconstructive Surgery benefit and monitoring benefit of this Rider, irrespective whether any limits of any benefit items stated in the Rider Benefit Schedule have been reached. If the Insured is covered under more than one Silver Cancer Protector policies, this Lifetime Limit will apply across all of these policies, whether or not such policies are in force or terminated. The Lifetime Limit is shown on the Rider Benefit Schedule of this product brochure.

4. While the Rider is in force, if the Insured undergoes surgery as a result of a Disability, whether on an Inpatient or Outpatient basis, and the severity of surgery is categorized as Intermediate and/or above under the Schedule of Surgical Procedures, and which, in the opinion of a Registered Medical Practitioner or a Registered Specialist, is Medically Necessary for Treatment of the Disability, we will pay you the Surgical Cash Benefit for such surgery in the lump sum amount stated in the Rider Benefit Schedule, subject to the maximum limit and maximum number of claims per Rider Policy Year as stated in the Rider Benefit Schedule.

5. “Disability” refers to any illness(es), disease(es), or Injury(ies) and shall include all illness(es), disease(es) or Injury(ies) arising from the same cause, including any complications arising therefrom. If the Insured suffers from more than one Disability resulting in a Confinement, such Disabilities will be treated as a single Disability for the purpose of benefit payments under this Rider while this Rider is in force. The Disability must be confirmed by a Registered Medical Practitioner or Registered Specialist with the supporting of the clinical and medical evidences.

6. While the Rider is in force, if the Insured undergoes surgery as a result of a Disability, whether on an Inpatient or Outpatient basis, and the severity of surgery is categorized as Intermediate and/or above under the Schedule of Surgical Procedures, and which, in the opinion of a Registered Medical Practitioner or a Registered Specialist, is Medically Necessary for Treatment of the Disability, we will pay you the Surgical Cash Benefit for such surgery in the lump sum amount stated in the Rider Benefit Schedule, subject to the maximum limit and maximum number of claims per Rider Policy Year as stated in the Rider Benefit Schedule.

7. While this Rider is in force, if the Insured is Confined in the Hospital as a result of a Disability, which, in the opinion of a Registered Medical Practitioner or a Registered Specialist, is Medically Necessary for the Treatment of the Disability, we will pay you the Hospital Cash Benefit for each day of Confinement in the lump sum amount as stated in the Rider Benefit Schedule, subject to the maximum limit and maximum number of days per Confinement as stated in the Rider Benefit Schedule.

8. Please note that we will deduct any outstanding premiums and loans with accrued interest before making any benefit payment under the Basic Plan. If the insured is age below one on the policy issue date and dies before the first policy anniversary, the sum of the death benefit (including any extra death benefit and any amount payable under the free Personal Accident coverage) and any accumulated dividends and interest will be reduced by 70%.

9. Extra death benefit are not applicable for policy conversion and substandard-risk case.

10. The Company must receive written notice within 60 days from the date after the initial diagnosis that the insured suers from terminal illness and the insured has a life expectancy of no more than six months, together with evidence satisfactory to the Company. Such written notice must not be received less than six months prior to the maturity date of the policy.

11. Once the Terminal Illness Benefit has been fully paid, the policy will be terminated. We will deduct any outstanding premiums and loans with accrued interest before making any benefit payment under the Basic Plan. The Terminal Illness Benefit will be the sum of the following: (i) 92.5% of an amount equivalent to: 110% of the Sum Assured of the Basic Plan, if it is diagnosed within the first 10 policy years and before age 65 of the Insured; or 100% of the Sum Assured of the Basic Plan, if it is diagnosed at or after the 10th policy anniversary or at or after the age 65 of the Insured, whichever is earlier; or (ii) 100% of the guaranteed cash value, whichever is higher; plus any accumulated dividends and interest.

12. Dividend is not guaranteed. The Company will determine the amount of dividend each year and allocate the dividend, if any, on policy anniversary.

13. Upon the death of the Insured, policy surrender or policy maturity, a discretionary one-off Terminal Dividend may be paid. Please note that Terminal Dividend does not accumulate within the policy, and does not form a permanent addition to the policy value. Payment and amount of Terminal Dividend is not guaranteed. It is determined by the Company and subject to change from time to time.

The content on this webpage is intended 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 products, and does not include all product features. For product details and key product risks, please refer to the website of Silver Life Insurance Plan, Silver Cancer Protector, Silver Hospital & Surgical Cash Benefit and Custom Whole Life. This webpage should be read along with other materials which cover additional information about the products. 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), policy documents and other relevant marketing materials, which are all available upon request. You might also consider seeking independent professional advice if needed. Customers are required to complete a financial needs analysis before applying for an insurance product. Insurance applications are subject to the underwriting decision of the Company. This webpage is intended to be used in Hong Kong only and shall not be construed as an offer to sell, solicitation to buy or provision of any of our products outside Hong Kong.

"Age” refers to the Insured’s age at the nearest birthday. “You” or “your” refers to the Owner of the Policy.

The “Chubb Life Hong Kong”, “Company”, “we”, “our” or “us” herein refers to Chubb Life Insurance Hong Kong Limited.