Whole Life Medicare
Whole Life MediCare not only guarantees a fixed premium rate, but by paying the premium for 25 years only, your coverage of up to $2 million will be lifelong, giving you total peace of mind.

• Comprehensive Health Benefits of Up to $2 Million
  Carrying a full range of benefits, Whole Life MediCare provides you with benefits of up to a maximum of HK$/MOP2,000,000 or US$250,000.

• Whole Life Coverage for Lifelong Peace of Mind
  With Whole Life MediCare, you are assured of full health protection up to the age of 100 years, so that you can live your life to the full.

• Guaranteed Premium with 25-year Payment Only
  To give you a guaranteed premium rate with no hidden surprises, the planned premium is locked in once the policy is issued. With this guaranteed rate, your premium is fixed and your protection is guaranteed for life but with a 25-year payment term.

• Top-notch Worldwide Coverage
  This plan provides protection for hospital confinement due to accident or sickness anywhere in the world8, giving you even more peace of mind.

Points to Note
To keep this plan as economical as possible, some standard limitations apply to the first 9 benefit items listed above. These include, for example: claims due to sickness occurring within 15 days of policy issue; in the Cancer Benefit only, claims due to sickness occurring within 60 days of policy issue; pre-existing illnesses; general check-up; childbirth or pregnancy; drug addiction or alcoholism; dental care or surgery (unless necessitated by injury due to accident); treatment by Chinese bonesetters, herbalists or acupuncturists; cosmetic or plastic surgery; congenital deformities or anomalies; expenses incurred by the procurement or use of special equipment such as artificial limbs, hearing aids and dentures etc., treatment of surgery for tonsils, adenoids, or hernia (except where the insured has been continuously covered under this policy for a period of 120 days immediately prior to such treatment or surgery); refractive errors of the eyes; AIDS; suicide or self-inflicted injuries; engaging in or taking part in driving or riding in any race; acts of war; riots or civil disturbances; illegal acts; nuclear radiation; and asbestos. Apart from these, some standard limitations are also applied to Total and Permanent Disability Benefit. For example, claims due to illnesses occurring within 60 days after the policy is issued, suicide or self-inflicted injury, intoxication by alcohol or drugs, inhaling gas, acts of war, racing on horses or wheels, professional sports, underwater activities involving the use of breathing apparatus, any accident involving aircraft (unless you are a fare-paying passenger in a commercial aircraft), illegal acts, pre-existing illness, AIDS, or congenital deformities or anomalies, are not covered by this policy.

1. Maximum benefit term for mental disorder is 90 days on a per life basis.
2. The In-hospital Doctor's Call Benefit, which is payable for a maximum of one in-hospital doctor’s visit per day, is equal to the daily benefit or the actual expenses incurred for the respective doctor’s visit net of other claims received, whichever is lower.
3. The actual Hospital Services Benefit, Surgical Benefit, Anesthetist's Fee and Operating Theater Fee Benefit payable are based on the actual expenses incurred, net of other claims received, subject to the maximum benefit per disability.
4. Long Term Hospitalization Benefit is payable on the 91st day and onwards of hospitalization until the end of the Hospital Benefit payable per disability. Long Term Hospitalization Benefit is not applicable to mental disorders or hospitalization occurring outside Hong Kong, Macau, Japan, Singapore, Malaysia, Taiwan, South Korea, Northern America, Europe, Australia or New Zealand.
5. This benefit is payable on one occasion per day within 14 days after discharge from the hospital and only where the out-patient treatment provided by the doctor-in-charge is directly related to and is a result of the Surgical Procedure.
6. The Cancer Benefit is payable on one occasion on a per-policy basis.
7. Total and Permanent Disability Benefit is payable when the insured suffers from total and permanent disability aged between 4 and 65. Maximum Total Benefit is up to 1,000 times the Daily Benefit. If a claim is paid, the amount of Total and Permanent Disability Benefit/Death Benefit will be equal to the Maximum Benefit net of any claims paid. The Death Benefit is guaranteed to be at least 10 times the Daily Benefit.
8. If the insured requires in-patient treatment exceeding 24 hours due to accident or sickness in Hong Kong, Macau, Japan, Singapore, Malaysia, Taiwan, South Korea, Northern America, Europe, Australia or New Zealand, this plan will provide full coverage. If hospitalization takes place in countries other than the foregoing, the insured will also enjoy up to 50% of maximum benefit for a period of up to 90 days, and no Long Term Hospitalization Benefit will be paid.

The above contains general information only. For full details, please refer to the policy documents. Luso International Banking Ltd. is an appointed insurance agent (Corporate body established in Macao) of MassMutual Asia Ltd. (“MassMutual Asia”). This plan is underwritten by MassMutual Asia, an authorized insurer approved by the Monetary Authority of Macao and Office of the Commissioner of Insurance of Hong Kong.

For inquiries, please call our customer service hotline 2870 2800 or visit any of our branches.

Lifetime Health Protector

Unlike other conventional hospital benefits schemes in the market, MassMutual’s Lifetime Health Protector offers you a fixed premium rate guaranteed for life! And although the premium payment term is only 20 years, the benefit term covers the rest of your natural life, with health benefits of up to HK$2 million.

• Comprehensive coverage up to HK$2 million
  In addition to providing a full range of hospital and other benefits, Lifetime Health Protector also gives you the option of choosing your own daily benefit at the inception, tailored to your individual needs. The plan also provides you with a Total Benefit of up to 1,000 times the daily benefit, up to a maximum of HK$/MOP2,000,000 or US$250,000.

• Guaranteed Premium Rate with 20-year payment only!
  To give you a guaranteed premium rate with no hidden surprises, the planned premium is locked in once the policy is issued. With this guaranteed rate, your premium is fixed and your protection is guaranteed for life but with a 20-year payment term.
  
  
• Top-notch Worldwide Coverage
  Even if the hospitalization were covered by another hospital benefit scheme, this plan would still provide you the stated benefit amount³ as illustrated in the schedule. Best of all, you would be free to use the money as you wished. In addition, no matter where in the world⁷ you were hospitalized due to accident or sickness, the benefits would still apply.

Points to note
To keep this plan as economical as possible, some standard limitations apply to the first 6 benefit items listed above. These include, for example: claims due to sickness occurring within 15 days of policy issue; in the Cancer Benefit only, claims due to sickness occurring within 60 days of policy issue; pre-existing illnesses; general check-up; childbirth or pregnancy; drug addiction or alcoholism; dental care or surgery (unless necessitated by injury due to accident); treatment by Chinese bonesetters, herbalists or acupuncturists; cosmetic or plastic surgery; congenital deformities or anomalies; expenses incurred by the procurement or use of special equipment such as artificial limbs, hearing aids and dentures etc.; treatment of surgery for tonsils, adenoids, or hernia (except where the insured has been continuously covered under this policy for a period of 120 days immediately prior to such treatment or surgery); refractive errors of the eyes; AIDS; suicide or self-inflicted injuries; engaging in or taking part in driving or riding in any race; acts of war; riots or civil disturbances; illegal acts; nuclear radiation; and asbestos. Apart from these, some standard limitations are also applied to Total and Permanent Disability Benefit. For example, claims due to illnesses occurring within 60 days after the policy is issued, suicide or self-inflicted injury, intoxication by alcohol or drugs, inhaling gas, acts of war, racing on horses or wheels, professional sports, underwater activities involving the use of breathing apparatus, any accident involving aircraft (unless you are a fare-paying passenger in a commercial aircraft), illegal acts, pre-existing illness, AIDS, or congenital deformities or anomalies, are not covered by this policy.

1. Maximum benefit term for mental disorders is 90 days on a per life basis.
2. Long Term Hospitalization Benefit is payable on the 91st day and onwards of hospitalization until the end of the Hospital Benefit payable per disability. Long Term Hospitalization Benefit is not applicable to mental disorders or hospitalization occurring outside Hong Kong, Macau, Japan, Singapore, Malaysia, Taiwan, South Korea, Northern America, Europe, Australia or New Zealand.
3. The actual Surgery Benefit payable is based on the actual expenses incurred by each operation including surgeon’s fee, anesthetist’s fee, operating theater fee, net of other claims received, subject to the maximum benefit set by the Surgical Fees Schedule.
4. This benefit is payable on one occasion per day within 14 days after discharge from the hospital and only where the out-patient treatment provided by the doctor-in-charge is directly related to and is a result of the Surgical Procedure.
5. The Cancer Benefit is payable on one occasion on a per policy basis.
6. Total and Permanent Disability Benefit is payable when the insured suffers from total and permanent disability aged between 4 and 65. Maximum Total Benefit is up to 1,000 times of the Daily Benefit. If a claim is paid, the amount of Total and Permanent Disability Benefit / Death Benefit will be equal to the Maximum Benefit net of any claims paid. The Death Benefit is guaranteed to be at least 10 times of the Daily Benefit.
7. If the insured requires in-patient treatment exceeding 24 hours due to accident or sickness in Hong Kong, Macau, Japan, Singapore, Malaysia, Taiwan, South Korea, Northern America, Europe, Australia or New Zealand, this plan will provide full coverage. If hospitalization takes place in countries other than the foregoing, the insured will also enjoy 50% of the benefits items 1, 2, 4, 5 and 6 for a period of up to 90 days, and no Long Term Hospitalization Benefit will be paid.

The above contains general information only. For full details, please refer to the policy documents. Luso International Banking Ltd. is an appointed insurance agent (Corporate body established in Macao) of MassMutual Asia Ltd. (“MassMutual Asia”). This plan is underwritten by MassMutual Asia, an authorized insurer approved by the Monetary Authority of Macao and Office of the Commissioner of Insurance of Hong Kong.

For inquiries, please call our customer service hotline 2870 2800 or visit any of our branches.

Comprehensive Cancer Benefit 100% Premium Refundable Plan
The Comprehensive Cancer Benefit 100% Premium Refundable Plan provides the most comprehensive protection and financial support for those in different phases of the cancer.

• The Most Comprehensive Cancer Protection Plan Available
  For those diagnosed with Early Cancer, a lump-sum benefit equivalent to 30% of the Sum Insured will be payable, to help relieve the huge financial burden during recovery. In addition, a lump-sum benefit equivalent to 100% of the Sum Insured will be payable upon diagnosis of Later-stage Cancer, up to a maximum of US$100,000.¹
  
  

  Early Cancer

  A malignant tumor pathologically confirmed by the presence of cancer cells.  The tumor should be localized with no invasion.

  Later-stage Cancer

  A malignant tumor pathologically confirmed and characterized by uncontrolled growth and spread of malignant cells and invasion of tissue.

  
  
• Death Benefit for Extra Protection
  In the unfortunate event of the Insured’s death, the beneficiary will receive an amount equal to all premiums paid regardless of the cause of death or claims record.²
  
  
• Money-Back 100% Guaranteed
  The Comprehensive Cancer Benefit 100% Premium Refundable Plan guarantees you a full refund of all premiums paid, effective from the 15th policy anniversary onwards.³
  
  
• MediNet Pro
  Second Medical Opinion Provided by US Medical Specialists – This value-added service enables the Insured to seek alternative professional advice on his or her illness from renowned medical specialists at various specialist US hospitals and on the methods of treatment available, provided the Insured is suffering from a cancer covered by the plan.
  Quality Treatment Referrals in the United States or Canada – Furthermore, MediNet Pro will, upon request, refer the Insured to a hospital network in the US and Canada delivering the best possible treatment at a discounted price, should the Insured suffer from a cancer covered by the plan.⁴

Points to note
The term ‘cancer’ excludes benign tumors or pre-precancerous disease with absence of cancer cells, any skin cancer except malignant melanomas, and tumors in the presence of any Human Immunodeficiency Virus.  In addition, to keep this plan as economical as possible, the following causes of cancer are not covered by the policy.  These include: any cancer occurring within 60 days of Policy issue; if the Insured is diagnosed as suffering from cancer and dies within 14 days; pre-existing conditions; suicide or self-inflicted injuries; intoxication by alcohol or drugs (except as prescribed by a doctor); inhaling gas (except from hazard incidental to occupation) or AIDS.

1. Within the benefit term, “Early Cancer” can be claimed once only.  The maximum claim amount of the “Later-stage Cancer” is net of any claim paid on account of “Early Cancer”, up to a maximum of 100% sum insured.
2. The calculation of total premiums paid is based on the annual modal premium.
3. The full premium refund on policy surrender will be net of any claim benefits paid.  The calculation of total premiums paid is based on the annual modal premium.
4. MediNet Pro is provided by Inter Partner Assistance Hong Kong Ltd..  The current administration fee for each Second Medical Opinion is HK$500.  For each referral for medical treatment in the US and Canada, the current administration fee is US$500.  The Insured is responsible for paying the administration fee and for any medical treatment and other related costs in the US and Canada.  Inter Partner Assistance Hong Kong Ltd. reserves the right to review the price and the number of hospitals from time to time.

The above contains general information only. For full details, please refer to the policy documents. Luso International Banking Ltd. is an appointed insurance agent (Corporate body established in Macao) of MassMutual Asia Ltd. (“MassMutual Asia”). This plan is underwritten by MassMutual Asia, an authorized insurer approved by the Monetary Authority of Macao and Office of the Commissioner of Insurance of Hong Kong.

For inquiries, please call our customer service hotline 2870 2800 or visit any of our branches.

Hospital & Surgical Benefit
Hospital & Surgical Benefit provides reimbursement of up to MOP/HKD719,750 for hospital and medical costs arising from each illness or accidental injury. Best of all, this plan offers your family affordable and comprehensive coverage in one convenient package.

The above contains general information only. For full details, please refer to the policy documents. Luso International Banking Ltd. is an appointed insurance agent (Corporate body established in Macao) of MassMutual Asia Ltd. (“MassMutual Asia”). This plan is underwritten by MassMutual Asia, an authorized insurer approved by the Monetary Authority of Macao and Office of the Commissioner of Insurance of Hong Kong.

Hospital Income Benefit
If you or your insured family members are hospitalized due to sickness or injury, Hospital Income Benefit makes instant cash available of up to MOP/HKD1,200 per day, for a maximum of 1,000 days, to help you cope with unexpected expenses.

The above contains general information only. For full details, please refer to the policy documents. Luso International Banking Ltd. is an appointed insurance agent (Corporate body established in Macao) of MassMutual Asia Ltd. (“MassMutual Asia”). This plan is underwritten by MassMutual Asia, an authorized insurer approved by the Monetary Authority of Macao and Office of the Commissioner of Insurance of Hong Kong.

MONEY-BACK Hospital Income Protector
The Money-Back Hospital Income Protector is your best protection formula. Not only are you entitled to a daily hospital income for hospitalization, but also, in the happy event that you do not make any claims at all, you will get back all the premiums you paid.¹

1. If there is claims record, the amount of refund will be equal to the total premiums paid net of any claim benefits paid.

The above contains general information only. For full details, please refer to the policy documents. Luso International Banking Ltd. is an appointed insurance agent (Corporate body established in Macao) of MassMutual Asia Ltd. (“MassMutual Asia”). This plan is underwritten by MassMutual Asia, an authorized insurer approved by the Monetary Authority of Macao and Office of the Commissioner of Insurance of Hong Kong.

MONEY-BACK Accident Protector
The Money-Back Accident Protector offers you a real win-win solution. Not only are you entitled to a lump sum benefit in the unfortunate event of accidental death or injury, but also, in the happy event that you do not make any claims at all, you will get back all the premiums you paid.¹

1. If there is claims record, the refund amount will be equal to the total premiums paid net of any claim benefits paid.

The above contains general information only. For full details, please refer to the policy documents. Luso International Banking Ltd. is an appointed insurance agent (Corporate body established in Macao) of MassMutual Asia Ltd. (“MassMutual Asia”). This plan is underwritten by MassMutual Asia, an authorized insurer approved by the Monetary Authority of Macao and Office of the Commissioner of Insurance of Hong Kong.

For inquiries, please call our customer service hotline 2870 2800 or visit any of our branches.

Mainland China Accident Emergency Medical Protection Plan
In the unfortunate event of an accident when traveling in Mainland China, simply present your Accident Emergency Medical Card, you can receive immediate medical treatment at more than 4,000 authorized medical centers or hospital with no pre-payment required.

The above information is for reference only.  Please refer to policy document for benefit coverage and exact terms and conditions.  This plan is underwritten by Ming An Insurance Co. (H.K.) Ltd. and China Life Insurance (Overseas) Co., Ltd. Macau Branch is the general agent in Macau.

For inquiries, please call our customer service hotline 2870 2800 or visit any of our branches.