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Coverage include Cancer, Heart Attack, Stroke and Carcinoma-in-situ
\nReceive 100% premium refund upon policy maturity if no claims are made*
\nOnly HKD 10! Start your worry-less journey!
\n*Applicable to No Claim Refundable Premium Option
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\n\n\n\n
\n
\nComprehensive protection
\nfor 81 critical illnesses
\nCover 81 critical illnesses
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\nReimbursing cancer drug expenses
\n
\nUp to 10% of sum insured or HKD120,000 (whichever is lesser)
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\n100% premium refund – applicable to No Claim Refundable Premium Option
\n\nReceive 100% premium refund upon policy maturity if no claim has been made
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\nExtra aid for stay in Intensive Care Unit (ICU)2
\n\nCover known/unknown diseases or injuries
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\nNominating contingent policyholder for your peace of mind\n
\n\nAid you in processing a claim if the policyholder suffers from specified disability3\n
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\nNo survival period
\n\nUnlike some critical illness plans in the market, our plan does not have survival period that the life insured must live for certain period after being diagnosed with a critical illness.
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|---|---|---|
| Limited time offer 💰 | \n\n \n \n\n \n \n \n For policies with 10-year premium payment term, enjoy total premium of HKD 10 for the first 3 months\n \n \n \n Terms & Conditions apply\n \n \n \n \n Enjoy a 1% premium discount on single premium policy\n \n \n \n \n Terms & Conditions apply \n \n | \n \n \n \n\n \n \n \n Total premium of HKD 10 for the first 3 months\n \n \n \n \n Terms & Conditions apply\n \n | \n
| Covered 81 critical illnesses and cancer drug benefit | \n✓ | \n✓ | \n
| Premium refund benefit | \n✓ | \nX | \n
| Renewal | \nX | \n✓ | \n
| Policy term | \n10 years | \nTo age 86 \n (age next birthday) | \n
| Premium payment term | \nSingle premium \n /10 years | \n To age 86 \n (age next birthday) | \n
| Premium | \nHigher | \nLower | \n
| \n \n Monthly premium^\n \n \n \n \n Sum insured: HKD 100,000/Male/Non-smoker\n \n \n \n | \n \n \n Age of 25: HKD 253 \n \n \n \n \n | \n \n \n Age of 25: HKD 6 \n \n \n \n \n | \n
^For the No Claim Refundable Premium Option, it assumes the premium payment term is 10 years, while the Non-Refundable Premium Option assumes a yearly premium renewable term. All premiums are excluded levy and are rounded to the nearest whole number.
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"}}}],"column-2-{*}":[{"uid":"92cce9cb-38b0-4007-852d-f23ab7894c08","componentName":"RichTextSitecoreRendering","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Persona title - Ken - desktop","params":{"GridParameters":"col-12","DynamicPlaceholderId":"123","FieldNames":"Default"},"fields":{"Text":{"value":"\n• 30 (Age next birthday)
\n• Married
\n• Monthly premium: HKD 113.03
\n• Sum insured: HKD 1,000,000
\n• Premium payment term and premium payment frequency: To age 86 with 10 years premium renewable term, monthly
\n• Beneficiary and contingent policyholder: His wife Amy\n
\nKen is married. He would like to have an affordable critical illness protection plan for himself, aiming to alleviate the potential burden of substantial medical expenses on his wife, Amy. To address this concern, he purchases Zurich Care Non-Refundable Premium Option and nominates his wife Amy as the beneficiary and contingent policyholder.
\n\n![\"Desktop](\"https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/images/individuals/life-insurance/critical-illness/zurich-care-critical-illness-insurance-plan/desktop---ken-timeline---en.png\")
Ken is married. He would like to have an affordable critical illness protection plan for himself, aiming to alleviate the potential burden of substantial medical expenses on his wife, Amy. To address this concern, he purchases Zurich Care Non-Refundable Premium Option and nominates his wife Amy as the beneficiary and contingent policyholder.
\n\n![\"Mobile](\"https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/images/individuals/life-insurance/critical-illness/zurich-care-critical-illness-insurance-plan/mobile---ken-timeline--en.png\")
The above examples are hypothetical and are for illustration purposes only. Zurich Care purports to achieve life insured’s objective to get insurance protection in view of the potentially high expenses on medical treatment for critical illnesses. Zurich Care provides insurance coverage on covered critical illnesses, such as cancer, heart attack and stroke. For details of the definitions of the covered major critical illnesses and early stage critical illness, please refer to the policy documents and provisions.
"}}}]}},{"uid":"d68b04b5-3e61-4e10-896f-6662aa812ee2","componentName":"TabsItem","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Tabs - Case Study/Tab Item 2","params":{"DynamicPlaceholderId":"33"},"fields":{"Icon":{"id":"fb80c88e-858b-4fe6-91f3-cd33de07e877","url":"https://localhost/en/global/styles/icons/dsm/finance-icons/dollar","name":"Dollar","displayName":"Dollar","fields":{"Value":{"value":"icon icon--currency-dollar_24_outline"}}},"Heading":{"value":"No Claim Refundable Premium Option"},"Content":{"value":""},"ItemId":{"value":""}},"placeholders":{"headless-tab-item":[{"uid":"4a773c95-78bd-4420-80db-2957341208b0","componentName":"Container","dataSource":"","params":{"GridParameters":"col-12","DynamicPlaceholderId":"110","FieldNames":"Default"},"placeholders":{"container-{*}":[{"uid":"0c49eda1-f49d-45d5-9ff5-f1a5362058f2","componentName":"ColumnSplitter","dataSource":"","params":{"DynamicPlaceholderId":"111","ColumnWidth2":"col-md-6 col-lg-8 col-xl-8 col-xxl-8 d-none d-sm-none d-md-inline d-lg-inline d-xl-inline d-xxl-inline","EnabledPlaceholders":"1,2,3","SplitterSize":"2","GridParameters":"col-12 col-sm-12 col-lg-12 col-xl-12 col-xxl-12 me-auto ms-auto mx-auto me-sm-auto ms-sm-auto mx-sm-auto","ColumnWidth3":"col-12 col-sm-12 d-inline d-sm-inline d-md-none d-lg-none d-xl-none d-xxl-none","ColumnWidth1":"col-12 col-sm-12 col-md-6 col-lg-4 col-xl-4 col-xxl-4 me-auto ms-auto mx-auto me-sm-auto ms-sm-auto mx-sm-auto","FieldNames":"Default"},"placeholders":{"column-1-{*}":[{"uid":"d254c7ea-c1ef-460f-afb6-faa7a23e3809","componentName":"Container","dataSource":"","params":{"Styles":"card bg-height with-border-radius bg-white","GridParameters":"col-12","DynamicPlaceholderId":"112","FieldNames":"Default","__JsonStyles":"{\"cardStyle\":\"card bg-height\",\"common\":\"with-border-radius\",\"primaryColours\":\"bg-white\"}"},"placeholders":{"container-{*}":[{"uid":"0d9f8232-6265-4847-822f-a6e5efdc1df3","componentName":"ColumnSplitter","dataSource":"","params":{"DynamicPlaceholderId":"113","ColumnWidth2":"col-8 col-sm-8 col-lg-8 col-xl-8 col-xxl-8","EnabledPlaceholders":"1,2,3","SplitterSize":"2","GridParameters":"col-12","ColumnWidth3":"col-12 col-sm-12 col-lg-12 col-xl-12 col-xxl-12","ColumnWidth1":"col-4 col-sm-4 col-lg-4 col-xl-4 col-xxl-4","FieldNames":"Default"},"placeholders":{"column-1-{*}":[{"uid":"4e6e1bca-4cd9-493b-8937-5e8677ce715b","componentName":"RichTextSitecoreRendering","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/marys icon - image","params":{"GridParameters":"col-12","DynamicPlaceholderId":"143","FieldNames":"Default"},"fields":{"Text":{"value":"\n![\"Mary](\"https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/images/individuals/life-insurance/critical-illness/zurich-care-critical-illness-insurance-plan/mary-icon.png\"){kind=icon}
"}}}],"column-2-{*}":[{"uid":"27b82626-26ad-4d0b-804c-f8675d378afc","componentName":"RichTextSitecoreRendering","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Persona title - Case Study Mary","params":{"GridParameters":"col-12","DynamicPlaceholderId":"114","FieldNames":"Default"},"fields":{"Text":{"value":"\n• 30 (Age next birthday)
\n• Married
\n• Sum insured: HKD 200,000
\n• Annual premium: HKD 7,041.72 (for 10 years premium payment term) (HKD 27,160.92 if policyholder pays a single premium)
\n• Premium payment term and premium payment frequency: 10 years, annual
\n• Beneficiary and contingent policyholder: Her husband Andrew\n
\nMary, as the main breadwinner of her family, recognizes the importance of safeguarding against unforeseen critical illnesses and securing her daughter Julia's financial well-being in the event of unfortunate circumstances. To address these concerns, Mary purchases Zurich Care No Claim Refundable Premium Option for herself and nominates her husband Andrew as the beneficiary and contingent policyholder.
\n![\"Mary](\"https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/images/individuals/life-insurance/critical-illness/zurich-care-critical-illness-insurance-plan/desktop-mary-timeline-en.png\")
Mary, as the main breadwinner of her family, recognizes the importance of safeguarding against unforeseen critical illnesses and securing her daughter Julia's financial well-being in the event of unfortunate circumstances. To address these concerns, Mary purchases Zurich Care No Claim Refundable Premium Option for herself and nominates her husband Andrew as the beneficiary and contingent policyholder.
\n![\"mary](\"https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/images/individuals/life-insurance/critical-illness/zurich-care-critical-illness-insurance-plan/mobile-marytimeline-en1.png\")
The above examples are hypothetical and are for illustration purposes only. Zurich Care purports to achieve life insured’s objective to get insurance protection in view of the potentially high expenses on medical treatment for critical illnesses. Zurich Care provides insurance coverage on covered critical illnesses, such as cancer, heart attack and stroke. For details of the definitions of the covered major critical illnesses and early stage critical illness, please refer to the policy documents and provisions.
"}}}]}}]}}]}}]}}]}},{"uid":"55eb3a51-a9d7-4ae3-b80f-af035e9f70e5","componentName":"Container","dataSource":"","params":{"Styles":"margin-top","GridParameters":"col-12","DynamicPlaceholderId":"65","FieldNames":"Default","__JsonStyles":"{\"extraMargins\":\"margin-top\"}"},"placeholders":{"container-65":[{"uid":"8850bf0c-f734-4de9-9bfb-90aae3ea9e34","componentName":"RichTextSitecoreRendering","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Title - Product Information","params":{"Styles":"margin-top margin-bottom","GridParameters":"col-12","DynamicPlaceholderId":"152","FieldNames":"Default","__JsonStyles":"{\"extraMargins\":\"margin-top margin-bottom\"}"},"fields":{"Text":{"value":"\n
\n
| \n | No Claim Refundable Premium Option | \nNon-Refundable Premium Option | \n
|---|---|---|
| Premium payment term\n | \nSingle premium/10 years | \nTo age 86 \n (age next birthday) | \n
| Policy term | \n10 years | \nTo age 86 \n (age next birthday) | \n
| Premium renewable term | \nN/A | \nYearly/5 years/10 years | \n
| Premium payment frequency | \nMonthly/annually \n (not applicable to single premium) | \n Monthly/annually | \n
| Minimum sum insured (per policy) | \nHKD 30,000 | \nHKD 100,000 | \n
| Maximum sum insured (per product) | \n1-18 (age next birthday): HKD 800,000 \n 19-55 (age next birthday): HKD 1,500,000 \n 56-60 (age next birthday): HKD 1,000,000 \n 61-66 (age next birthday): HKD 500,000\n | \n |
| Issue age | \n1-66 \n (age next birthday)\n | \n |
| Policy currency | \nHKD\n | \n|
| Waiting period | \n90 days\n | \n|
| Residency | \nThe policyholder and the life insured must be Hong Kong residents\n | \n
| \n | No Claim Refundable Premium Option\n | \nNon-Refundable Premium Option | \n
|---|---|---|
| Premium refund benefit | \n\n 100% of total premiums paid will be refunded to policyholder if no claim has been made as at policy maturity (end of the 10th policy year)\n | \nNot applicable | \n
| Death benefit | \n110% of total premiums paid less any outstanding premium | \n5% of sum insured less any outstanding premium | \n
| Major critical illness benefit | \n\n • Cover 71 major critical illnesses \n• 100% of sum insured minus advance payment for early stage critical illness benefit or ICU benefit2 and any outstanding premium \n• The policy will be automatically terminated when this benefit is payable (except the life insured had confirmed diagnosis of cancer) \n | \n |
| Advance payment for early stage critical illness benefit or ICU benefit2 | \n\n • Cover 10 early stage critical illnesses and ICU benefit2 \n• 20% of sum insured or HKD 300,000 (whichever is lesser) \n• Only one settlement of claim can be made under this benefit throughout the policy term \n \n | \n |
| Cancer drug benefit4 | \n\n \n \n• Reimburse cancer drug expenses within 24 months after the first confirmed diagnosis of cancer \n• Up to 10% of sum insured or HKD 120,000 (whichever is lesser) \n• The cancer drug must be listed under the latest Hospital Authority Drug Formulary List of Malignant Disease and Immunosuppression \n | \n
| \n | No Claim Refundable Premium Option | \nNon-Refundable Premium Option | \n
|---|---|---|
| Renewal | \nNot allowed | \n\n Renewal is guaranteed until the age of 85 \n (age next birthday) | \n
| Change of sum insured | \nNot allowed | \n\n Reduction of sum insured throughout the policy term is allowed subject to minimum sum insured and our approval | \n
| \n | No Claim Refundable Premium Option\n | \nNon-Refundable Premium Option | \n
|---|---|---|
| Premium | \nThe premium is guaranteed unchanged throughout the premium payment term | \n\n • The premium is fixed within the first premium renewal term and may be revised after the first premium renewable term.\n \n• Premium rate will depend on age, gender, smoking status, health conditions and premium renewable term or other factors (please see “Premium adjustment” for more details) \n | \n
Designed with more flexibility to fit your needs and budget. Zurich Care provides two plan options, No Claim Refundable Premium Option and Non-Refundable Premium Option. Both plan options provide coverage for major critical illness benefits, advance payment for early stage critical illness benefits or ICU benefit, death benefit and cancer drug benefit. For the No Claim Refundable Premium Option, it provides premium refund benefit if no claim has been made as at policy maturity (end of the 10th policy year).
"},"ItemId":{"value":""}},"placeholders":{"headless-accordion-item":[]}},{"uid":"cac263d2-9985-439e-8d78-7f7e7acc9f94","componentName":"AccordionItem","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Accordion - FAQs 1/Q1-2","params":{"DynamicPlaceholderId":"84"},"fields":{"IsOpenedByDefault":{"value":false},"Heading":{"value":"What kind of cancers are covered by Zurich Care?"},"Content":{"value":"Zurich Care covers for any malignant tumor positively diagnosed and any occurrence of histologically confirmed leukemia, lymphoma or sarcoma. Except for Tumor of the Thyroid (at TNM classification T1N0M0 or a lower stage); Tumor of the Prostate (at TNM classification T1a or T1b or T1c or a lower stage); Chronic Lymphocytic Leukaemia classified as less than RAI stage III; Skin Cancer (except Malignant Melanoma); any Cancer where HIV infection is also present; and any pre-malignant or non-invasive Cancer or Carcinoma-in-situ , or as having either borderline malignancy or low malignant potential."},"ItemId":{"value":""}},"placeholders":{"headless-accordion-item":[]}},{"uid":"3f44962c-4876-4196-8ec0-a81a032816ba","componentName":"AccordionItem","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Accordion - FAQs 1/Q1-3","params":{"DynamicPlaceholderId":"88"},"fields":{"IsOpenedByDefault":{"value":false},"Heading":{"value":"How to entitle a cancer drug benefit?"},"Content":{"value":"After the confirmed diagnosis of Cancer for the life insured, with a need to receive cancer drug further for the cancer treatment. Such cancer drug must be listed under the latest Hospital Authority Drug Formulary List of Malignant Disease and Immunosuppression.
"},"ItemId":{"value":""}},"placeholders":{"headless-accordion-item":[]}},{"uid":"b6e4e25e-e17e-433e-bab4-6c50f8e3db6c","componentName":"AccordionItem","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Accordion - FAQs 1/Q1-4","params":{"DynamicPlaceholderId":"89"},"fields":{"IsOpenedByDefault":{"value":false},"Heading":{"value":"What sum insured fits my need?"},"Content":{"value":"You are free to choose the sum insured according to your protection needs and affordability. You may choose an amount that is able to cover your medical expenses and loss of income during recovery.
"},"ItemId":{"value":""}},"placeholders":{"headless-accordion-item":[]}}]}}]}}]}},{"uid":"d848791a-1165-4d49-b74b-8f5007dc58c0","componentName":"TabsItem","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Tabs - FAQ/Tab Item 2","params":{"DynamicPlaceholderId":"90"},"fields":{"Icon":{"id":"0fc13e88-77f8-43af-a509-49d70d6574b4","url":"https://localhost/en/global/styles/icons/dsm/communication-icons/lightbulb","name":"Lightbulb","displayName":"Lightbulb","fields":{"Value":{"value":"icon icon--lightbulb_24_outline"}}},"Heading":{"value":"Application Information"},"Content":{"value":""},"ItemId":{"value":""}},"placeholders":{"headless-tab-item":[{"uid":"71ced072-ad45-4940-b251-6d15095ca8be","componentName":"Container","dataSource":"","params":{"Styles":"full-width","GridParameters":"col-12","DynamicPlaceholderId":"98","FieldNames":"Default","__JsonStyles":"{\"width\":\"full-width\"}"},"placeholders":{"container-{*}":[{"uid":"ff958a59-6dd9-4e79-8467-9268fe359d8a","componentName":"Accordion","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Accordion - FAQs 2","params":{"GridParameters":"col-12","DynamicPlaceholderId":"91","FieldNames":"Default"},"fields":{},"placeholders":{"headless-accordion":[{"uid":"8b7663b9-89ee-4fe4-9ea9-41900a40c686","componentName":"AccordionItem","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Accordion - FAQs 2/Q2-1","params":{"DynamicPlaceholderId":"92"},"fields":{"IsOpenedByDefault":{"value":false},"Heading":{"value":"Is there an age limit for applying Zurich Care?"},"Content":{"value":"Anyone from the age of 1- 66 (age next birthday) can apply for Zurich Care."},"ItemId":{"value":""}},"placeholders":{"headless-accordion-item":[]}},{"uid":"d24abb4b-0a2f-4f7f-89b0-442a191c0645","componentName":"AccordionItem","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Accordion - FAQs 2/Q2-2","params":{"DynamicPlaceholderId":"93"},"fields":{"IsOpenedByDefault":{"value":false},"Heading":{"value":"Do I need to undergo a medical examination when applying for Zurich Care?"},"Content":{"value":"No, you do not need to undergo a medical examination. The applicant only needs to answer a few underwriting questions about their health condition, and the approval result can be obtained in as little as 4 minutes. Apply now!
"},"ItemId":{"value":""}},"placeholders":{"headless-accordion-item":[]}},{"uid":"83a6b671-1b00-44c4-afd3-819ef1c2ac05","componentName":"AccordionItem","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Accordion - FAQs 2/Q2-3","params":{"DynamicPlaceholderId":"94"},"fields":{"IsOpenedByDefault":{"value":false},"Heading":{"value":"How many ways do you accept payments?"},"Content":{"value":"We accept VISA and Master Credit card auto-pay (CCA) for both initial and renewal premium(s). Any incurred credit card fee for all initial and renewal premium(s) should be absorbed in pricing. After policy issue, in case of CCA failure for renewal premiums, other existing payment methods should be accepted which is subject to the prevailing administration rules.
"},"ItemId":{"value":""}},"placeholders":{"headless-accordion-item":[]}},{"uid":"ba0292e5-ef98-4121-9f90-ab185ada83c7","componentName":"AccordionItem","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Accordion - FAQs 2/Q2-4","params":{"DynamicPlaceholderId":"95"},"fields":{"IsOpenedByDefault":{"value":false},"Heading":{"value":"Is the premium guaranteed to remain unchanged throughout the policy term?"},"Content":{"value":"For the No Claim Refundable Premium Option, the premium shall remain unchanged throughout the policy term. For the Non-Refundable Premium Option, the premium shall remain unchanged until the first premium renewable term.
"},"ItemId":{"value":""}},"placeholders":{"headless-accordion-item":[]}},{"uid":"1d7ec218-a3f3-42d2-960c-14a1a47d4a6c","componentName":"AccordionItem","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Accordion - FAQs 2/Q2-5","params":{"DynamicPlaceholderId":"96"},"fields":{"IsOpenedByDefault":{"value":false},"Heading":{"value":"Will the insurance plan be renewed automatically if I do not do anything?"},"Content":{"value":"Yes, Non-Refundable Premium Option will be renewed automatically at the end of each premium renewable term up to the age of 100 (age next birthday) of the life insured without health underwriting. Unless we have been informed in writing of your intention not to renew the policy before the next renewal, the policy will be automatically renewed for another premium renewable term (subject to premium change) at the end of each premium renewable term until the policy expiry date."},"ItemId":{"value":""}},"placeholders":{"headless-accordion-item":[]}},{"uid":"718456fa-ac3a-43d9-8e16-963a6910f68a","componentName":"AccordionItem","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Accordion - FAQs 2/Q2-6","params":{"DynamicPlaceholderId":"97"},"fields":{"IsOpenedByDefault":{"value":false},"Heading":{"value":"How much will I get back if I cancel my policy?"},"Content":{"value":"Provided that no claim has been made under your policy, you have the right to cancel it within 21 calendar days immediately following the day of delivery of the cooling-off notice to you. After the cooling-off period, you may request for policy surrender (i.e. policy cancellation), after which the policy will terminate. This policy has no cash value, no amount will be refunded upon policy surrender. For the avoidance of doubt, no benefits and no surrender value shall be paid and no premium shall be refunded if the policy is terminated upon the surrender of the policy.
"},"ItemId":{"value":""}},"placeholders":{"headless-accordion-item":[]}}]}}]}}]}},{"uid":"daa5dc0a-750a-46d9-a41c-b0716294fbaf","componentName":"TabsItem","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Tabs - FAQ/Tab Item 3","params":{"DynamicPlaceholderId":"99"},"fields":{"Icon":{"id":"ad655eae-aa1b-4e2f-859a-8c08f9ca786e","url":"https://localhost/en/global/styles/icons/dsm/communication-icons/book-close","name":"Book Close","displayName":"Book Close","fields":{"Value":{"value":"icon icon--book-close_24_outline"}}},"Heading":{"value":"Policy Management"},"Content":{"value":""},"ItemId":{"value":""}},"placeholders":{"headless-tab-item":[{"uid":"10cb049b-2088-484a-901b-cbfd61e42fd0","componentName":"Container","dataSource":"","params":{"Styles":"full-width","GridParameters":"col-12","DynamicPlaceholderId":"105","FieldNames":"Default","__JsonStyles":"{\"width\":\"full-width\"}"},"placeholders":{"container-{*}":[{"uid":"8ed7d674-40c5-40d6-b628-fbd1da48a58e","componentName":"Accordion","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Accordion - FAQs 3","params":{"GridParameters":"col-12","DynamicPlaceholderId":"100","FieldNames":"Default"},"fields":{},"placeholders":{"headless-accordion":[{"uid":"ae7ec72b-ce60-4303-87d4-aa512bdf64c4","componentName":"AccordionItem","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Accordion - FAQs 3/Q3-1","params":{"DynamicPlaceholderId":"106"},"fields":{"IsOpenedByDefault":{"value":false},"Heading":{"value":"How to manage my policy(ies)?"},"Content":{"value":"You can call our customer care hotline at +852 2968 2288 for queries or you can login to our online platform “One Zurich” to manage your policy(ies) and check policy(ies) information.
"},"ItemId":{"value":""}},"placeholders":{"headless-accordion-item":[]}},{"uid":"8675e180-5dfc-40a4-a179-431d703bd671","componentName":"AccordionItem","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Accordion - FAQs 3/Q3-2","params":{"DynamicPlaceholderId":"107"},"fields":{"IsOpenedByDefault":{"value":false},"Heading":{"value":"What is the claims procedure for Zurich Care?"},"Content":{"value":"If you wish to make a claim, you must send us the appropriate claim forms and relevant proof with immediate notice in case of death of the life insured or within 90 days from the date after the diagnosis of critical illness and/or surgery or stayed in Intensive Care Unit (ICU) of a hospital for a consecutive three days or more. You can obtain the appropriate claim form from Zurich website www.zurich.com.hk.
"},"ItemId":{"value":""}},"placeholders":{"headless-accordion-item":[]}},{"uid":"0707a49b-72d7-4b9a-89dc-cb88fca08aab","componentName":"AccordionItem","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Accordion - FAQs 3/Q3-3","params":{"DynamicPlaceholderId":"108"},"fields":{"IsOpenedByDefault":{"value":false},"Heading":{"value":"Is there a waiting period for Zurich Care Critical Illness Plan?"},"Content":{"value":"Yes, there is 90 days waiting period for both No Claim Refundable Premium Option and Non-Refundable Premium Option. Waiting period applies to major critical illness benefit, advance payment for early stage critical illness benefit or ICU benefit and cancer drug benefit. This means that claimant is not eligible for the benefits within 90 days immediately from the policy issue date, or the policy reinstatement date, whichever is later (except when a critical illness is caused by an accident and the waiting period will not apply).
"},"ItemId":{"value":""}},"placeholders":{"headless-accordion-item":[]}},{"uid":"e67a050d-7c7f-4d90-adb8-b6ce037de6b6","componentName":"AccordionItem","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Accordion - FAQs 3/Q3-4","params":{"DynamicPlaceholderId":"109"},"fields":{"IsOpenedByDefault":{"value":false},"Heading":{"value":"Will the claim of advance payment for early stage critical illness benefit or ICU benefit affect the payment of major critical illness benefits, death benefit and cancer drug benefit?"},"Content":{"value":"Any advance payment for early stage critical illness benefit or ICU benefit will be deducted from major critical illness benefits when major critical illness benefit is payable. The Advance payment will not be deducted from death benefit and cancer drug benefit.
"},"ItemId":{"value":""}},"placeholders":{"headless-accordion-item":[]}}]}}]}}]}}]}},{"uid":"bb02fecc-f0d6-4488-99c2-28295c8f71aa","componentName":"Headline","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Title - Know more","params":{"GridParameters":"col-12","FieldNames":"H2","DynamicPlaceholderId":"219"},"fields":{"Icon":null,"Title":{"value":"Know more"}}}]}},{"uid":"16fcc825-a02b-4796-b028-3532c7151faa","componentName":"Container","dataSource":"","params":{"Styles":"margin-top","GridParameters":"col-12","DynamicPlaceholderId":"197","FieldNames":"Default","__JsonStyles":"{\"extraMargins\":\"margin-top\"}"},"placeholders":{"container-197":[{"uid":"c5a0a0fc-75ce-4cc7-9b96-8de9f4aa1d77","componentName":"Accordion","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Accordion - Know more","params":{"Styles":"margin-top","GridParameters":"col-12","DynamicPlaceholderId":"198","FieldNames":"Default","__JsonStyles":"{\"extraMargins\":\"margin-top\"}"},"fields":{},"placeholders":{"headless-accordion":[{"uid":"0f61e146-8402-4040-af03-e19ba8cd917b","componentName":"AccordionItem","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Accordion - Know more/Important Information","params":{"DynamicPlaceholderId":"199"},"fields":{"IsOpenedByDefault":{"value":false},"Heading":{"value":"Important information"},"Content":{"value":"Benefit limitations and restrictions
\n
\nThe aggregate of benefit made hereunder throughout the policy term shall not exceed:
\ni. one hundred and ten percent (110%) of the total premiums paid payable to death benefit (applicable to No Claim Refundable Premium Option)/ five percent (5%) of the sum insured payable to death benefit (applicable to Non-Refundable Premium Option); or
\nii. one hundred and ten percent (110%) of the sum insured payable to major critical illness benefit, advance payment for early stage critical illness benefit or ICU benefit2 and cancer drug benefit4.
\n
\nIf the life insured dies before the cancer drug benefit4 reaches the limit, a compassionate death remuneration of HKD 5,000 will be paid to the beneficiary(ies).
\n
\nDeath benefit, major critical illness benefit, premium refund benefit (only applicable to No Claim Refundable Premium Option) and advance payment for early stage critical illness benefit or ICU benefit2 shall not be paid more than once under the policy throughout the policy term. Once the death benefit becomes payable or all other benefits become payable to the policyholder, all of our obligations under the policy is discharged and we will no longer be liable to pay any benefit to the policyholder under the policy.
\n
\nExclusions
\n
\nNo major critical illness benefit or advance payment for early stage critical illness benefit or ICU benefit2 or cancer drug benefit4 shall be payable for any claims, directly or indirectly, caused by or arising from any of the following occurrences:
\n
\ni. The critical illness existed before the policy issue date, or the policy reinstatement date, whichever is the latest;
\nii. Any pre-existing conditions from which the life insured has been suffering from;
\niii. The life insured is diagnosed with a critical illness by a registered medical practitioner, or has shown any signs or symptoms of any critical illness disease or physical condition which may be the cause or triggering condition of a critical illness within the waiting period5 of 90 days from the policy issue date or the policy reinstatement date, whichever is the latest (except when a critical illness is caused by an accident);
\niv. Suicide or attempted suicide or self-inflicted injuries, whether sane or insane;
\nv. Any Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex or infection by Human Immunodeficiency Virus (HIV), except for AIDS due to blood transfusion or HIV Acquired due to Assault or Occupationally Acquired HIV;
\nvi. Any congenital or inherited disorder or developmental condition (only applicable if the disorder gives rise to signs or symptoms or was diagnosed before the life insured reaches age nine (age next birthday) of the life insured;
\nvii. Narcotics used by the life insured unless it is taken as prescribed by a registered medical practitioner, or the life insured’s abusive use of drugs and/or alcohol;
\nviii. Violation or attempted violation of the law or participation in fight or affray or resistance to arrest;
\nix. War, whether declared or undeclared, revolution or any warlike operations;
\nx. Entering, exiting, operation, being transported, or in any way engaging in air travel except as a fare paying passenger in any aircraft operated by a commercial passenger airline on a regular scheduled passenger trip over its established passenger route.
\n
\nTermination
\n
\nThe policy shall be terminated on the earliest of the following:
\n
\ni. the death of the life insured;
\nii. the surrender of the policy;
\niii. failure of submission of the requirement documents for his/her identity verification of the policyholder within the specified time;
\niv. the lapse of the policy due to the end of the grace period;
\nv. the policy maturity date (for No Claim Refundable Premium Option) /policy expiry date (for Non-Refundable Premium Option);
\nvi. the major critical illness benefit is paid or payable (except the life insured confirmed diagnosis of cancer);
\nvii. upon reaching the maximum payable limit for the cancer drug benefit4;
\nviii. in our reasonable opinion the policy has to be terminated to comply with relevant legal and regulatory requirements applicable to us;
\nix. 24 months after the first confirmed diagnosis of cancer; or
\nx. we first become aware that the policyholder becomes a sanctioned person under applicable trade and economic laws.
\nIn respect of termination as a result of (i) above, the 110% of total premiums paid (applicable to No Claim Refundable Premium Option) / 5% of sum insured (applicable to Non-Refundable Premium Option) for death benefit minus any outstanding premium (applicable to regular premium payment term), will be paid by us to the beneficiary.
\n
\nPolicy will be void and the premium shall be refunded without interest if the policy is terminated upon (iii) above.
\n
\nThe policy has no cash value. For the avoidance of doubt, no benefits and no surrender value shall be paid and no premium shall be refunded if the policy is terminated upon (ii), (iv), (v) (applicable to Non-Refundable Premium Option), (vii), (viii) and (ix) above. The premium will be refunded without interest if the policy is terminated upon (x).
\n
\nIf a policy is terminated upon the policy maturity date/policy expiry date, coverage under the policy will be provided up to the policy maturity date/policy expiry date.
\n
\nPremium payment
\n
\nYou may choose to pay your regular premium monthly or annually (if applicable) throughout the whole premium payment term. Premium is fixed within the first premium renewal term unless you request to reduce the sum insured subsequently (only applicable to Non-Refundable Premium Option). You may request to change your regular premium payment frequency by fulfilling the administrative requirement. If the premium(s) is/are due but remain unpaid for 30 days since premium due date, the policy will be lapsed and you will lose your valuable coverage under this policy. You may apply for reinstatement after the policy is lapsed, subject to the terms set out by us and subject to our approval. Please note that the premiums will not be reduced as a result of any advance payment for early stage critical illness benefit or ICU benefit2 being paid and/or payable.
\n
\nSuicide clause
\n
\nIf the life insured, whether sane or insane, commits suicide within one year from the policy issue date or the policy reinstatement date, whichever is later, our liability under the policy will be limited to the refund of total premiums paid (without interest) and less any advance payment for early stage critical illness benefit or ICU benefit2 paid and/or payable and any outstanding premium of the policy.
\n
\nMedically necessary
\n
\nIt means in respect of medical treatment and/or service, they are:
\ni. consistent with the diagnosis and customary medical treatment for the condition; and
\nii. in accordance with standards of generally accepted medical practice; and
\niii. not just for the convenience of the life insured and his or her relative, or the registered medical practitioner(s).
\nExperimental and/or unconventional medical technology/procedure performed on the life insured are not considered to be medically necessary.
\n
\nBorrowing power
\n
\nThis policy does not provide any cash value for policy loans and has no borrowing power.
\n
\nCooling-off period
\n
\nProvided that no claim has been made under the policy, the policyholder has the right to cancel the policy and obtain a refund of any premium(s) and levy (if any) paid by you, by sending us a written notice to customer@hk.zurich.com through the email address you registered at the time of online application, within 21 calendar days immediately following the day of delivery of the cooling-off notice to you.
\n
\nTermination right due to regulatory exposure
\n
\nIf you move to another country during the lifecycle of your policy, you must notify us of such planned change prior to such change but no later than within 30 days of such change. Please note that you may no longer be eligible to make payments into your policy. The local laws and regulations of the jurisdiction to which you move may affect our ability to continue to service your policy in accordance with the policy provisions. Therefore, we reserve all rights to take any steps that we deem appropriate, including the right to cancel the policy.
\n
\nSurrender
\n
\nYou may surrender the policy at any time by giving us written notice. No surrender value shall be paid upon the surrender of the policy. The policy has no cash value and no benefits are payable on surrender. Upon surrender, the policy shall be terminated.
\n
\nAuthorization
\n
\nZurich Care is issued by Zurich, which is subject to the prudential regulation of the Insurance Authority of Hong Kong (“IA”).
\n
\nInsurance Authority levy
\n
\nFrom January 2018, the Insurance Authority requires all Hong Kong policyholders to pay a levy on their insurance premiums. The purpose of the levy is to finance the IA, and it is calculated as a percentage of the premium paid. The levy collected by the IA will be imposed on this policy at the applicable rate.
\n
\nFor more information on levy, please visit our website or webpage of the Insurance Authority.
\n
\nGoverning law
\n
\nThe policy shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.
\n
\nDispute resolution
\n
\nIn the event of dispute, it will be resolved by the courts of Hong Kong.
\n
\nComplaints and enquiries
\n
\nIf you are dissatisfied with our service, you have the right to complain by contacting us. If you have any enquiries, you can also contact us.
1. Angioplasty and Other Invasive Treatments for Coronary Artery Disease
\n2. Carcinoma-in-situ
\n3. Cerebral Aneurysm Requiring Surgery
\n4. Biliary Tract Reconstruction Surgery
\n5. Chronic Kidney Disease and Surgical Removal of One Kidney
\n6. Liver Surgery (partial hepatectomy)
\n7. Major Organ Transplantation (on Waiting List)
\n8. Surgical Removal of either Left or Right Lung
\n9. Cardiac Pacemaker/Defibrillator Insertion
\n10. Acute Aplastic Anaemia
\n
\n^For details of the definitions of the covered major critical illnesses and early stage critical illness, please refer to the policy documents and provisions.
1. Cancer*
\n2. Cerebral Metastasis
\n3. Acute Necrohemorrhagic Pancreatitis
\n4. Aplastic Anaemia
\n5. Chronic Relapsing Pancreatitis
\n6. End Stage Liver Failure
\n7. End Stage Lung Disease
\n8. Fulminant Hepatitis
\n9. Kidney Failure
\n10. Major Organ Transplant
\n11. Medullary Cystic Disease
\n12. Crohn's Disease
\n13. Systemic Lupus Erythematosus (SLE)
\n14. Systemic Scleroderma
\n15. Ulcerative Colitis
\n16. Cardiomyopathy
\n17. Dissecting Aortic Aneurysm
\n18. Eisenmenger’s Syndrome
\n19. Heart Attack
\n20. Infective Endocarditis
\n21. Primary Pulmonary Arterial Hypertension
\n22. Heart Valve Replacement/Repair
\n23. Surgery for Disease of the Aorta
\n24. Surgery to Coronary Arteries with By-Pass Grafts
\n25. Alzheimer's Disease/Irreversible Organic Degenerative Brain Disorder
\n26. Amyotrophic Lateral Sclerosis (ALS)
\n27. Apallic Syndrome
\n28. Bacterial Meningitis
\n29. Benign Brain Tumor
\n30. Coma
\n31. Creutzfeldt-Jakob Disease
\n32. Total Deafness
\n33. Encephalitis
\n34. Hemiplegia
\n35. Major Head Trauma
\n36. Meningeal Tuberculosis
\n37. Multiple Sclerosis
\n38. Muscular Dystrophy
\n39. Paralysis
\n40. Parkinson’s Disease
\n41. Poliomyelitis
\n42. Primary Lateral Sclerosis
\n43. Progressive Bulbar Palsy (PBP)
\n44. Progressive Muscular Atrophy
\n45. Progressive Supranuclear Palsy
\n46. Spinal Muscular Atrophy
\n47. Stroke
\n48. Total Blindness
\n49. AIDS due to Blood Transfusion
\n50. Chronic Adrenal Insufficiency (Addison's Disease)
\n51. Diabetic Complications
\n52. Ebola
\n53. Elephantiasis
\n54. Haemolytic Streptococcal Gangrene
\n55. HIV Acquired due to Assault
\n56. Loss of Limbs
\n57. Loss of One Limb and One Eye
\n58. Loss of Speech
\n59. Major Burns
\n60. Occupationally Acquired HIV
\n61. Severe Rheumatoid Arthritis
\n62. Severe Osteoporosis
\n63. Terminal Illness
\n64. Necrotising Fasciitis
\n65. Other Serious Coronary Artery Disease
\n66. Severe Myasthenia Gravis
\n67. Systemic Sclerosis
\n68. Chronic Auto-immune Hepatitis
\n69. Pheochromocytoma
\n70. Severe Pulmonary Fibrosis
\n71. Loss of Independent Existence
\n
\n^For details of the definitions of the covered major critical illnesses and early stage critical illness, please refer to the policy documents and provisions.
\n
\n*Cover for Cancer under major critical illnesses do not include Tumor of the Thyroid (at TNM classification T1N0M0 or a lower stage); Tumor of the Prostate (at TNM classification T1a or T1b or T1c or a lower stage); Chronic Lymphocytic Leukaemia classified as less than RAI stage III; Skin Cancer (except Malignant Melanoma); any Cancer where HIV infection is also present; and any pre-malignant or non-invasive Cancer or Carcinoma-in-situ , or as having either borderline malignancy or low malignant potential.
1. This is based on Zurich’s research market conditions as of August 20, 2024 and comparison among other online critical illness products for Composite and Long Term Businesses as defined by the Insurance Authority in the Register of Authorized Insurers.
\n2. The aggregate limit of advance payment for each of the covered early stage critical illness or ICU benefit shall not exceed HKD 300,000 per life insured under all policies of the Zurich Care issued by Zurich. For the ICU benefit, the life insured must stay in an Intensive Care Unit of a hospital for a consecutive three days or more and be diagnosed with a known/unknown disease or injuries. The ICU stay must be confirmed as medically necessary treatment by a registered medical practitioner.
\n3. Specified disability means Terminal Illness/Coma/Loss of Independent Existence/Apallic Syndrome/Major Head Trauma or Paralysis. In case the policyholder suffers from a specified disability, the contingent policyholder will become the new policyholder of the policy and he/she can exercise all rights under the policy including making any claim and managing the policy, after he/she submits relevant proof of the specified disability and subject to our approval.
\n4. Cancer drug benefit must be confirmed as for medically necessary of cancer drug expenses for the purpose of cancer treatment, including Chemo/Immune/Targeted therapy prescribed by the doctor. The cancer drug benefit is payable on a reimbursement basis and subject to a maximum payable limit of (1) 10% of the sum insured or (2) HKD 120,000 per life insured under all policies of Zurich Care issued by Zurich (whichever is lesser). In the unfortunate event that the life insured passes away before reaching the maximum payable limit, a compassionate death remuneration of HKD 5,000 will be paid. The cancer drug benefit shall automatically terminate on the occurrence of the earliest of the following:
\n5. A waiting period of 90 days applies and no major critical illness benefit, advance payment for early stage critical illness benefit or ICU benefit2 and cancer drug benefit4 shall be payable within 90 days immediately from the policy issue date, or the policy reinstatement date, whichever is the latest (except when a critical illness is caused by an accident).
"},"ItemId":{"value":""}},"placeholders":{"headless-accordion-item":[]}},{"uid":"1d5c2a85-549d-40da-aee3-d2cdd934354c","componentName":"AccordionItem","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Accordion - Know more/Claim Procedure","params":{"DynamicPlaceholderId":"203"},"fields":{"IsOpenedByDefault":{"value":false},"Heading":{"value":"Claim procedure"},"Content":{"value":"If you wish to make a claim, you must send us the appropriate claim forms and relevant proof with immediate notice in case of death of the life insured or within 90 days from the date after the diagnosis of critical illness and/or surgery or stayed in Intensive Care Unit (ICU) of a hospital for a consecutive three days or more. You can obtain the appropriate claim form from Zurich website."},"ItemId":{"value":""}},"placeholders":{"headless-accordion-item":[]}},{"uid":"d33a1b3e-ec6d-4a36-8761-7ab6f075fe4f","componentName":"AccordionItem","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Accordion - Know more/Important Notice","params":{"DynamicPlaceholderId":"204"},"fields":{"IsOpenedByDefault":{"value":false},"Heading":{"value":"Important notices"},"Content":{"value":"This product factsheet does not contain the full terms of the policy and the full terms can be found in the policy documents and provisions. Please make sure you consider your liquidity needs when considering the premium affordability of the policy.
"},"ItemId":{"value":""}},"placeholders":{"headless-accordion-item":[]}},{"uid":"9c50589d-1e2d-4aee-a7ec-6dbaffdd6e7e","componentName":"AccordionItem","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Accordion - Know more/Important Documents","params":{"DynamicPlaceholderId":"205"},"fields":{"IsOpenedByDefault":{"value":false},"Heading":{"value":"Important documents"},"Content":{"value":"You should carefully read this product factsheet and the policy provisions before you make your decision on your purchase of this plan.
"},"ItemId":{"value":""}},"placeholders":{"headless-accordion-item":[]}},{"uid":"0a391d3b-2199-4a68-9a70-f811fe47abab","componentName":"AccordionItem","dataSource":"/sitecore/content/Zurich Headless/HongKong/Home/Products/Accident and health/Critical Illness/zurich-care-critical-illness-insurance-plan/Data/Accordion - Know more/Disclaimer","params":{"DynamicPlaceholderId":"206"},"fields":{"IsOpenedByDefault":{"value":false},"Heading":{"value":"Disclaimer"},"Content":{"value":"The information in this document is intended as a general summary for your reference only and does not constitute financial, investment or taxation advice or advice of whatsoever kind. You are recommended to seek professional advice if you find it necessary. For full terms and conditions, please refer to the policy provisions which shall prevail in case of inconsistency. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail. Zurich Life Insurance (Hong Kong) Limited reserves the right of final approval and decision on all matters.
\n
\nThis document is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell or a solicitation to buy or provision of any of our products outside Hong Kong. We hereby declare that we have no intention to offer to sell, to solicit to buy or to provide any of our products in any jurisdiction other than Hong Kong in which such offer to sell or solicitation to buy or provision of any of our products is illegal under the laws of that jurisdiction.
*Only available in Traditional Chinese
\nIn the event of any discrepancy or inconsistencies between the English and Chinese versions, the English version shall prevail.
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