"Medical + Critical Illness" Double Protection
171 insured illnesses
Up to 600% of sum assured
Up to HKD200,000 extra protection on coronavirus*
Critical illnesses often strike without warning, and put you and your family in great stress all in a sudden. While worrying that the unforeseen financial burden of medical care will derail the future plans of your family, you also need experts’ advice from the diagnosis and start the appropriate medical treatment. Tahoe Life understands it and offers you MultiGuard Critical Illness Protection Plan (the “Plan”) with all-round protections against 171 critical illnesses at an affordable cost. In addition to paying out a lump-sum benefit to ease your financial pressure, the Plan also covers multiple claims against cancer, stroke and heart attack, and reimburses you the medical expenses. You will also have access to timely professional advice and support throughout the journey of recovery. Even when there are challenges from time to time, we are standing by you and bringing you back to a brilliant life.
Application submitted on or before11 February 2021 can enjoy extra 1% of first year premium discount.
From now until 31 March 2021, customer who successfully takes out the Plan with policy issued can enjoy the below offer one and offer two:
Tahoe Life cares about your family members as much as you do. If the insured, insured’s spouse, and children aged 18 or below are unfortunately diagnosed with the Novel Coronavirus during the first date after the expiry of the cooling-off period to 31 May 2021, an extra lump-sum payment will be provided:
* Regardless of the number of policies issued by Tahoe Life covering the eligible person.
Customer who successfully takes out the Plan and pays the first year premium in annual payment mode during the Promotion Period can enjoy the first year premium discount as follows:
# The maximum discounted amount of the early bird extra premium discount offer and / or the first year premium discount offer are / is up to USD5,000 / HKD40,000 per policy.
Terms and conditions apply
The Plan provides coverage for 171 critical illnesses, which include 74 major illnesses, 73 early stage critical illnesses and 24 severe child disease, as well as 19 benign tumours. Many of the commonly seen illnesses including cancers, stroke, heart attack, carcinoma-in-situ and angioplasty, etc., are well covered.
As life expectancy increases steadily, it is not uncommon that illnesses may strike more than just one time. With the protection reset benefit under the Plan, you will be able to restore your coverage reduced by prior claims. In the unfortunate event that the insured is diagnosed with a covered major illness or passes away before age 75, any claims paid under the early stage critical illness benefit and / or the severe child disease benefit diagnosed one year or longer before the date of diagnosis with the major illness or the date of death of the insured, the total claimed amount will be payable as part of the major illness benefit or death benefit.
If the insured has undergone a complete surgical excision of one of the covered benign tumours (please refer to “Information at a glance” section in the product brochure for details), the Plan will provide a benign tumour benefit which covers 19 organs or tissues, with an amount up to 20% of the sum assured of the basic plan for up to two times.
If the insured is unfortunately diagnosed with cancer, stroke or heart attack, apart from the lump-sum payment from major illness benefit, the followings will be provided by the Plan to support you to go through the whole recovery journey.
The coverage booster benefit will be payable when the major illness benefit or death benefit of the Plan becomes payable within the first 20 years (for issue age under 21) or the first 10 years of the policy (for issue age 21 or above). The amount of coverage booster benefit will be:
Issue age of the insured |
Coverage booster benefit |
Under age 21 |
80% of the sum assured |
Age 21 or above |
60% of the sum assured |
Prestige Global Medical Assistance Services7
In addition to all-round critical illness protection, the Plan also provides you with professional and attentive Prestige Global Medical Assistance Services. You will have access to a 24-hour medical enquiry service and second medical opinion supported by experienced medical professionals, worldwide medical network and global medical concierge services to take care of your health needs at all times.
US Oncology Second Opinion Services7
In the unfortunate event that the insured is diagnosed with a cancer, the US Oncology Second Opinion Services under this Plan will help you obtain remote video-consultation with medical specialists from the US, and even a joint consultation by both the specialists and your attending doctor, providing you a timely support and greater access to world-class medical service.
whichever is the lesser;
a) 24:00 31 May 2021 Hong Kong time;
b) the total amount of Novel Coronavirus special benefit paid and / or payable
under the policy reaches USD25,000 or HKD200,000;
c) the death of the insured; or
d) termination of the policy.