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Can.Cash Cancer Plan
Can.Cash Cancer Plan
There is an increasing trend of cancer incident cases found in younger generation. There is around 30,000 new cases of cancer diagnosed in 2014, and approximately one in every four men and five women will develop cancer before the age of 751.
   
Luckily, given modern advanced medical technology with traditional therapy, there are different treatment options, such as targeted therapy, Chinese medicine, diet therapy, psychological counseling, etc., for the patient to choose for the optimal effect.
   
OCBC Wing Hang Bank Limited ("OCBC Wing Hang"), OCBC Wing Hang Insurance Agency Limited ("OCBC Wing Hang Insurance Agency") and Liberty International Insurance Limited ("Liberty International Insurance") are pleased to introduce the "Can.Cash Cancer Plan" (the Plan) for our valuable customers. In the unfortunate event when an Insured was diagnosed of cancer (types of which are covered by the Plan), in accordance with the policy's terms and conditions, the one-off lump sum cash may provide financial assistance to the family and payment of the daily expenses^.
   
From now till 31 July 2017, successful applications of Can. Cash Cancer Plan can enjoy upto HK$300 Supermarket Cash Coupon. Terms and conditions apply. Please click here for the relevant Terms and Conditions.
   
Plan Features^
If the insured is diagnosed with cancer, upon receipt of acceptable proof of occurrence pay benefits upto the sum insured provided the insured survives for not less than 14 days, one-off lump sum cash benefit may be upto HKD1.2 million without requirement for proof of medical expenses3
Benefit will be paid on top of other medical insurance reimbursement
Extended to new born baby from 15 days old who can be insured independently
Triennial term premium guarantee. Premium can be paid on monthly or annual basis
Annually renewable until age 70, irrespective of health condition at renewal
No medical examination is required for easy application.
   
Scope of Coverage^
 
Plan 1
Plan 2
Plan 3
Cancer Benefit3
HKD300,000
HKD600,000
HKD1,000,000
Oncology Treatment Benefit3
HKD60,000
HKD120,000
HKD200,000
Medical Second Opinion4
Medical Second Opinion provided from medical professional to the Insured and his family members
Overall Benefit Amount
HKD360,000
HKD720,000
HKD1,200,000
   
^Above scope of coverage is for reference and illustrative purpose only and does not constitute part of the Policy. Please refer to the Policy for the terms and conditions, including exclusions and types of tumors not covered. In case of any dispute, the English version of the Policy shall prevail.
   
Eligibility
Eligibility^: Hong Kong Residents / Hong Kong Permanent Residents
Age: 15 days to age 64 (Annually Renewable until age 70)
 
For the premium table of the Plan, please click here for details.
   
Exclusions^
Major Exclusions (please refer to the Policy for full details)
No Cancer Benefit will be payable where the Insured is unable to survive for a consecutive period of fourteen (14) days after first being diagnosed as suffering from a Cancer.
No Cancer Benefit will be payable in respect of the Insured under the following circumstances:

a) claims that arise directly (or indirectly) as a result of a Pre-Existing Condition are excluded. A Pre-Existing Condition is an illness, injury, condition or symptom:
- that was known to the Insured prior to the commencement of insurance, or
- for which the Insured had consulted a Medical Practitioner prior to the commencement of insurance, or
- for which a reasonable person in the Insured's position would have consulted a Medical Practitioner prior to the commencement of insurance; or
b) its signs or symptoms or any received medical advice or treatment of which, in the opinion of the Company first occurred within or prior to the ninety (90) days from the Original Commencement Date of the Policy; or
c) is related to Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC) or infection by Human Immunodeficiency Virus (HIV); or
d) arises as a result of suicide, attempted suicide or intentionally self-inflicted injury or disease, whether the Insured is sane or insane; or
e) is caused directly or indirectly by war or any act of war, declared or undeclared, riots, insurrection or civil commotion; or
f) service in the armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order; or
g) violation or attempted violation of the law or resisting arrest or participation in any brawl or affray; or
h) is caused directly or indirectly by the taking of drugs (except under the proper direction of a Medical Practitioner), the taking of poison or alcohol; or
i) Atomic explosion, nuclear fission, radioactive gas, nuclear, biological or chemical contamination, war and terrorism; or
j) unreasonable failure to seek or follow medical advice; or
k) arises from congenital conditions.

No Benefit will be payable in respect of the Insured for more than one (1) Cancer claims.
Remarks^
1. Hospital Authority Hong Kong Cancer Registry, 2014 and 2009 Hong Kong Cancer Statistics.
2. Subject to the terms and conditions of the Policy and the renewal availability of the Plan, the Insured can be guaranteed for annual renewal upto age 70.
3. The Plan is only valid for cancer (types of which are covered by the Plan) diagnosed after the 90 days initial waiting period (carcinoma in situ and precancerous lesions are not covered by the policy) and survived for at least 14 days. Please refer to the Policy terms for details.
4. This is a service provided by third-party service providers. Liberty International reserves the right to modify or terminate any services provided by third-party service providers from time to time.
5. The triennial term premium will be subject to review once every three years. For example, if the Insured is insured at the age of 35, his / her premium will be payable at 35, 36 and 37 years of age. Premiums payable at the age of 38 will be subject to the newly adjusted premium after review and the same adjusted premium will be applicable for another two years (i.e. for age 39 and 40) and so on.
6. Smokers will be subject to an additional 100% premium loading.
7. The Plan and the related terms and conditions are applicable to subscription of the Plan within Hong Kong only.
   
OCBC Wing Hang Insurance Agency is a wholly-owned subsidiary of OCBC Wing Hang.
   
OCBC Wing Hang and OCBC Wing Hang Insurance Agency are registered in accordance with the Insurance Companies Ordinance (Cap. 41 of the Laws of Hong Kong) as insurance agencies and are the authorized insurance agencies of Liberty International Insurance for distribution of this Plan in the HKSAR. The plan is underwritten by Liberty International Insurance which is authorized and regulated by the Commissioner of Insurance of the Hong Kong Special Administrative Region ("HKSAR"). Liberty International Insurance will be responsible for providing your insurance coverage and handling claims under your Plan.
   
Premiums will be payable to Liberty International Insurance upon enrolment to this Plan. Liberty International Insurance would provide OCBC Wing Hang and OCBC Wing Hang Insurance Agency commission and performance bonus accordingly in respect of the selling of this Plan. The existing staff remuneration policy on sales offered by OCBC Wing Hang and OCBC Wing Hang Insurance Agency takes into account various aspects of the staff performance instead of focusing solely on the sales amount.
   
Information in this webpage is for reference and illustrative purpose only and shall not form any part of the policy document. OCBC Wing Hang, OCBC Wing Hang Insurance Agency and Liberty International Insurance may at any time(s) amend the contents of this webpage in any manner as it may at its absolute discretion deem fit without notice. Liberty International Insurance reserves the right of final approval.
   
Liberty International Insurance reserves the right to accept or decline any application for this Plan. In case of any dispute in connection with the contents of this Plan, the decision of Liberty International Insurance shall be final and conclusive. If you have any enquiries, please visit any branches of OCBC Wing Hang or call the enquiry hotline 2272 8811.
   
This Plan is a product of Liberty International Insurance but not OCBC Wing Hang or OCBC Wing Hang Insurance Agency. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between OCBC Wing Hang, OCBC Wing Hang Insurance Agency and the customer out of the selling process or processing of the related transaction, OCBC Wing Hang and OCBC Wing Hang Insurance Agency are required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved directly between Liberty International Insurance and the customer.
   
In case of any conflict or inconsistency between the English and Chinese versions of this product information, the English version shall prevail.
   
 
For more information on our insurance products, please contact us.
Hotline: (852) 2272 8811
Fax: (852) 2854 1103
Email: enquiry@ocbcwhins.com or visit any branches of OCBC Wing Hang for enquiry
   
 
   
 

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