Customer Service Hotline: (852) 3716 1616

COVERAGE & FEATURES• ComprehensiveCriticalIllnessProtection

This policy provides 35 Major Illness Benefits protection. In the event of the Insured Person is diagnosed to be suffering from a critical illness within the period of insurance, the Company will subject to the terms and conditions as stated in the policy and agree to pay the benefit amount up to 100% of the Sum Insured to the Proposer.

• EarlyStageCancerBenefitsIf Insured Person is diagnosed to be suffering from an Early Stage Cancer within the period of insurance, the Company will subject to the terms and conditions as stated in the policy and agree to pay an one-off lump sum benefit equivalent to 20% of the Sum Insured to the Proposer. This policy will remain in force and the Major Illness benefit will be reduced by the same amount paid to this benefit.

• One-offLumpSumIf the Insured Person is suffered from the critical illness under the policy during the period of insurance, the Company will pay the Proposer an one-off lump sum net of any Early Stage Cancer (if applicable) benefit and the liability of the Company hereunder is limited to and shall cease upon such settlement.

• 21-DayInsuranceCooling-offPeriodThe Proposer has right to cancel this policy and notify in writing to the Company within 21 days after the policy effective date. If no claim has been made by the Insured Person under the policy during this period, all premium paid to the Company will be refunded.

• GuaranteedRenewal*andCoverupto80YearsOldWide range of Insured age from 6 months to 50 years old, and the Company guarantee renewal up to 79 years old*.

• LowPremiumandSimplifiedUnderwritingSimple health declaration, no medical examination is required.

• ExtendedProtectionOn top of providing sickness cover, the policy is further extended to cover loss of limbs, deafness, blindness, paralysis or loss of language ability that are caused by accident or injury.

Despite anything stated in this policy, the Company shall not be liable to pay for any Illness, resulting directly or indirectly from or caused or contributed by (in whole or in part) any of the following:

1. Any pre-existing condition unless such conditions have been fully disclosed during the application and accepted by the Company in writing and the treatment relating to such pre-existing condition is not expressly excluded by the policy; or

2. The Insured Person is Diagnosed with an Illness or the Insured Person has shown signs or symptoms of any Illness, disease or physical condition which may be the cause or triggering condition of an Illness within 90 days from the Policy Effective Date as specified in the first Policy Schedule from which the coverage under this insurance becomes effective continuously without intermission; or

3. Any drug or alcohol abuse; or

4. Engaging in aviation other than as a fare-paying passenger in an aircraft provided and operated by an airline or air charter company which is duly licensed for the regular transportation of fare-paying passengers;

5. Engaging in military, air force, naval and other disciplinary services; or

6. Participating or engaging in dangerous activities, including but not limited to bungee jumping, glide-kite, glider, winter sports, parachuting, torrent rafting, diving with the use of breathing apparatus, mountaineering, rock climbing, sports in a professional capacity or where the Insured Person would or could earn income or remuneration from engaging in such sport etc. ; or

7. War, hostilities (whether war is declared or not), rebellion, insurrection, riot, civil commotion, terrorist act, nuclear contamination, biological contamination or chemical contamination; or

8. Disease or infection with any Human Immunodeficiency Virus (HIV) and/or any HIV-related Illness, except the Human Immunodeficiency Virus due to blood transfusion, Occupationally acquired Human Immunodeficiency Virus (HIV) as referred to in PART 3-DEFINITION OF ILLNESSES of this policy; or

9. Congenital malformation or abnormal; or

10. Suicide, any deliberate self-induced behaviour, regardless of whether it is normal sanity and whether intoxication; or

11. Sanction Limitation and Exclusion Clause

1. Cancer1.1 Early Stage Cancer# 1.2 Major Cancer# Early Stage Cancer: In the event that the Insured Person is diagnosed with

Early Stage Cancer, the Company shall pay a lump sum equivalent to 20% of the Sum Insured in advance.

2. Illnessesrelatedtotheheart2.1 Coronary artery bypass surgery 2.2 Heart attack2.3 Primary pulmonary arterial 2.4 Surgery to aorta hypertension

3. IllnessesrelatedtotheNervoussystem3.1 Apallic syndrome 3.2 Bacterial meningitis3.3 Benign brain tumour 3.4 Coma3.5 Creutzfeldt-Jacob Disease(CJD) 3.6 Encephalitis3.7 Major head trauma 3.8 Motor neurone disease 3.9 Multiple sclerosis 3.10 Paralysis3.11 Poliomyelitis 3.12 Progressive supranuclear palsy3.13 Severe Myasthenia Gravis 3.14 Stroke

4. IllnessesrelatedtomajorOrgans4.1 Aplastic anaemia 4.2 End stage liver failure 4.3 End stage lung disease 4.4 Fulminant viral hepatitis4.5 Kidney failure 4.6 Major organ transplant4.7 Systemic scleroderma 4.8 Systemic lupus erythematosus with

lupus nephritis

5. Othermajorillnesses5.1 Blindness 5.2 Deafness5.3 Elephantiasis 5.4 Loss of limbs5.5 Loss of speech 5.6 Human Immunodeficiency Virus

(HIV) due to blood transfusion5.7 Major burns 5.8 Occupationally acquired Human

Immunodeficiency Virus (HIV)

15 F 600,000 300

24 M 800,000 720

30 M 1,000,000 1,500

1. All supporting documents relevant to the Illness covered by this Policy and the entitlement to benefits must be furnished to the Company at the expense of the claimant within thirty days from the date of which the Illness is Diagnosed.

2. Provided that the claimant could provide good reason to demonstrate that it is not reasonably practicable to adduce the supporting documents within the time limit and the claimant has provided “the Company” such supporting documents as soon as practicable, the claim shall not be invalidated. However, in no circumstances shall the supporting documents be adduced later than one hundred and eighty days upon the demand of “the Company”.

CRITICALILLNESSINSURANCEQ&A

“TAIPINGSMARTCARE” CriticalIllnessInsuranceScheme

COVEREDCRITICALILLNESSES

PREMIUMRATETABLE(HKD) (AnnualrateperHKD200,000suminsured)

MAJOREXCLUSIONS (Pleaserefertothetermsinthepolicyfordetails)

CLAIMSPROVISIONS (Pleaserefertothetermsinthepolicyfordetails)

What’sthedifferencebetweencriticalillnessandnormalmedicalinsurance?Usually the payout of medical insurance is in the form of reimbursement, while critical illness insurance is payable as a lump-sum according to the sum insured or the percentage of the benefit payable listed in the policy.

Whyshouldyouchoose“TaipingSmartcare”?Taiping Smartcare is a critical illness protection that provides pure cover. The premium would be much lower than any critical illness insurance with saving elements in the market.

HowdowedefineEarlyStageCancer?Early Stage Cancer shall mean the presence of one (1) of the following malignant conditions:1. Tumour of the thyroid histologically classified as T1N0M0 according to the TNM

classification;2. Tumour of the prostate histologically classified as T1a or T1b according to the TNM

classification system;3. Chronic lymphocytic leukaemia classified as Rai Stage I or II; or4. Tumour of the ovary histologically classified as T1aN0M0 or T1bN0M0 according to

the TNM classification system. This tumour should be capsule intact, with no tumour on the ovarian surface.

STATEMENT

• The “Taiping Smartcare” Critical Illness Insurance Scheme (the “Plan”) is underwritten by China Taiping Insurance (HK) Company Limited (“CTPI (HK)”) and CTPI (HK) is solely responsible for all content, approvals, coverage and benefit payment.

• This promotional material is issued by CTPI (HK). CTPI (HK) accepts full responsibility for the information contained in this promotional material. CTPI (HK) recommends the Proposer to carefully consider whether the Plan is appropriate for the Proposer in view of the Proposer’s needs before application. The Proposer should not purchase this Plan unless the Proposer understand it and it has been explained to the Proposer how it is suitable for the Proposer. The final decision is the Proposer’s.

• This promotional material is for reference only. Please refer to the Plan’s policy for the exact terms and conditions and the full list of policy exclusions. For more information or a copy of the terms and conditions, please contact the sales representative.

• If the Proposer is not satisfied with the policy, the Proposer has the right to cancel this policy and notify in writing to CTPI (HK) within 21 days after the Policy Effective Date. If no claim has been made by the Insured Person in the policy during this period, all premium paid to CTPI (HK) will be refunded.

• If death of the insured person is due to non-covered critical illness during the period of insurance, a proportionate part of the premium paid for the unexpired period of coverage to CTPI (HK) will be refunded to the Proposer.

• This promotional material is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance outside Hong Kong.

• According to the information provided by the Proposer whilst applying for the Plan, CTPI (HK) reserves the right to decide whether to accept or reject the relevant application.

• The company reserves the right to revise the benefit structure, premium or any terms and conditions under this Plan.

• In the event of discrepancies between the English and Chinese versions of this promotion material, the English version shall prevail.

• For Insured Person Aged between six months and 17 years old at the Policy Effective Date, the Proposer of this Policy must be his/her parent or legal guardian. However, when the Insured Person attains the age of 18, he/she will automatically become the Proposer upon renewal.

* The information contained in this pamphlet is designed to serve as an introduction only. For all relevant clauses and details, please refer to the insurance contract.

ELIGIBILITY

• Period of Insurance: 1 year• Age of Proposer: 18 or above• Age of Insured Person: From 6 months to 50 years inclusive (The child(ren) under the age of 18 can enroll individually but the

Proposer of this Policy must be his/her parent or legal guardian)• Premium Payment Mode: Annual• Minimum Sum Insured: HKD200,000 (Each $200,000 per unit)• Maximum Sum Insured: HKD1,000,000 (Based on each Insured

Person)

EXAMPLEOFAPPLICABLEPREMIUM

Ageofinsuredduringapplication

Suminsured(HKD)

PaidPremium(HKD)Sex

6months-5 200 160

6–15 100 100

16–20 140 140

21–25 180 240

26–30 300 420

31–35 460 700

36–40 800 1,220

41–45 1,260 1,840

46–50 2,200 2,400

51–55** 3,600 2,900

56–60** 5,400 3,300

61–65** 7,700 4,400

66–70** 11,300 7,500

71–75** 16,400 10,900

76–79** 21,700 15,200

AgeoftheInsuredPerson Male Female

**Remarks:Premiumratefor51-79areforrenewalonly

CRITICALILLNESSINSURANCEQ&A

被保險人年齡（歲） 男性 女性

6個月–5 200 160

6–15 100 100

16–20 140 140

21–25 180 240

26–30 300 420

31–35 460 700

36–40 800 1,220

41–45 1,260 1,840

46–50 2,200 2,400

51–55** 3,600 2,900

56–60** 5,400 3,300

61–65** 7,700 4,400

66–70** 11,300 7,500

71–75** 16,400 10,900

76–79** 21,700 15,200

*本單張只作一般性簡介，有關條文細節，應以保險單為準。

受保危疾名單

1. 癌症1.1 早期癌症# 1.2 癌症/惡性腫瘤# 早期癌症 :如果被保險人被診斷患上早期癌症，本公司預先賠付投保額的20%

2. 與心臟有關疾病2.1 冠狀動脈搭橋手術 2.2 心肌梗塞

2.3 原發性肺動脈高壓 2.4 主動脈手術

3. 與神經系統相關的疾病3.1 植物人 3.2 細菌性腦(脊)膜炎

3.3 良性腦腫瘤 3.4 昏迷

3.5 庫賈氏病 3.6 腦炎

3.7 嚴重頭部創傷 3.8 運動神經元病

3.9 多發性硬化症 3.10 癱瘓

3.11 脊髓灰質炎 3.12 進行性核上性痳痺

3.13 中風 3.14 重症肌無力

4. 與主要器官相關的疾病4.1 再生障礙性貧血 4.2 末期肝衰竭

4.3 末期肺病 4.4 暴發性病毒性肝炎

4.5 腎衰竭 4.6 主要器官移植

4.7 系統性硬皮病 4.8 系統性紅斑狼瘡連狼瘡性腎炎

5. 其他嚴重疾病5.1 失明 5.2 失聰

5.3 象皮病 5.4 斷肢

5.5 語言能力喪失 5.6 因輸血感染人類免疫力缺乏病毒(HIV)

5.7 嚴重燒傷 5.8 因職業感染人類免疫力缺乏病毒(HIV)

保費表（港幣）─(每20萬港幣保障額之年度保費)

投保保費例子

15歲 女性 600,000 300

24歲 男性 800,000 720

30歲 男性 1,000,000 1,500

主要不受保項目(詳情請參閱保單內之條款)本公司將不會就由下列情況直接或間接引起或構成（全部或部分）的疾病而作出任何賠償：

1. 任何已存在的情況，除非這個情況已經在申請文件中完全披露並經本公司書面接受以及跟這個情況有關的治療沒有被保單豁除;或

2. 被保險人於於首份生效且從沒終斷過保障的承保表內所指明本計劃的保單生效日起計的90日內，被註冊專科醫生確診已患上受保疾病，或有可能導致或引發該受保疾病的任何病患、疾病或身體狀況的症狀或病徵；或

3. 濫用藥物或酒精；或

4. 參加空中飛行，非以乘客身份購票乘搭由正式持牌作定期運輸的航空或包機公司所提供及經營的飛機；或

5. 參與陸軍、空軍、海軍及其他紀律性服務；或

6. 參與或從事危險活動，包括但不限於吊索跳崖、滑翔風箏、滑翔機、冬季運動、跳降落傘、激流、借助呼吸器具潛水活動、登山、攀石、從事專業性質的運動或比賽，或可使被保險人從而獲得收入或酬勞之運動等；或

7. 戰爭、戰鬥（不論是否已宣戰）、判亂、暴動、暴亂、民事騷亂、恐怖主義行動、核污染、生物污染或化學污染；或

8. 任何人體免疫能力缺乏病毒(HIV)及/或其任何有關的疾病或感染，載於本保單第三部份–疾病的定義一節內之因輸血感染人類免疫力缺乏病毒(HIV)及因職業感染人類免疫力缺乏病毒(HIV)除外；或

9. 先天畸形或異常；或

10. 自殺、任何蓄意自致之行為，不論神智是否正常及不論是否昏醉。

11. 制裁限制及除外責任

申請賠償手續(詳情請參閱保單內之條款)1. 所有有關疾病之證明文件需於被確診患上該疾病後30天內呈交給本公

司。提供證明文件所需之費用由索償申請人自行負擔。

2. 索償申請人雖未能在限期內提交證明文件，但如能解釋在上述限期內提交證明文件是不合理且不可行的，並已在合理可行的情況下盡快提交舉證文件，則有關之索償仍然有效，但在任何情況下仍不得超過在本公司提出要求後的180日提交。

保障及特點•週全危疾保障本計劃保障35種嚴重疾病，如被保險人在保險期內被確診患上受保危疾，本公司將根據保單之條款及細則賠償100%的保額予投保人。

•早期癌症保障如被保險人在保險期內確診患上早期癌症，本公司將根據保單之條款及細則先支付一筆過總值相當於20%的保額予投保人後，本計劃將繼續生效，但保障賠償將以同樣數額降低。

•一次性賠償若被保險人在保險期內不幸確診患上受保危疾，扣除早期癌症的賠償後(如適用)，此計劃可提供一次性賠償，保障亦會在支付賠償後隨即終止。

•二十一天保險冷靜期投保人有權與保單生效日後21天內書面要求取消保單。如被保險人未曾提出索償，已繳保費可獲全數退回。

•保證續保，保障至80歲受保年齡由出生後6個月到50歲，並保證續保到79歲。

•保費便宜，簡易核保簡單健康申報，無需健康檢查。

•延伸保障除提供疾病保障外，更延伸保障因意外或受傷而導致的斷肢、失聰、失明、癱瘓或語言能力喪失。

危疾保險問與答危疾保險與一般住院醫療保險有何差別？一般住院醫療保險是按住院醫療總開支以實報實銷的方式賠償，而危疾保險則是以保單列明之保額或保障的百分比提供一筆過賠償，即使被保險人因患上危疾而需要放棄工作，一筆過的危疾賠償便可支持病人的家庭及生活的開支等。

為什麼選擇「太平智康保」？「太平智康保」危疾保險計劃為純粹保障型的危疾險，保費遠較市場上具儲蓄成份的危疾險低廉，更能針對性切合尋求純粹危疾保障的客戶。

早期癌症怎麼定義？早期癌症是指出現以下任何一種的惡性腫瘤情況：

(a) 根據TNM評級系統，有關甲狀腺腫瘤必須在組織學上被界定為T1N0M0級別；

(b) 根據TNM評級系統，前列腺腫瘤必須在組織學上被界定為T1a或T1b；

(c) 被分類為Rai級別I或II的慢性淋巴性白血病；或

(d) 根據TNM組織學分期在T1aN0M0或T1bN0M0的卵巢腫瘤,腫瘤包膜必須完整，卵巢表面無腫瘤。

聲明

• 「太平智康保」危疾保險計劃(“本計劃”)由中國太平保險(香港)有限公司(“太平香港”)承保，並全面負責一切計劃內容，保單批核，保障及賠償事宜。

• 本宣傳品由太平香港發行。太平香港對本宣傳品所載的一切資料承擔一切責任。太平香港建議投保人在參加任何或購買任何計劃前，請認真考慮本計劃是否適合投保人的需要，否則，投保人不應購買本計劃。投保人應獲解釋本計劃如何適合投保人及應為選擇作最終決定。

• 本宣傳品只供參考之用，有關詳盡條款及細則及所有不保事項，概以本計劃之保險合約條款及細則為準。有關詳情，請與銷售人員查詢。

• 如投保人對保單有任何不滿意，投保人有權於保單生效日後21天內以書面通知太平香港要求取消保單。如被保險人未曾提出索償，已繳保費可獲全數退回。

• 被保險人在保險期內非因受保危疾身故，太平香港將就未到期之保障期部分按比例獲退回已繳保費予投保人。

• 本宣傳品只在香港派發，並不能詮釋為在香港境外提供或出售或遊說購買太平香港的任何產品。

• 太平香港保留根據投保人於投保時所提供的資料而決定是否接受或拒絕有關投保本計劃申請的權利。

• 本公司保留在本產品中對其保障，保費或其他任何條款修改的權利。

• 本宣傳品的中英文版本如有任何差異，概以英文版本為準。

• 於保單生效日時年齡界乎6個月至17歲的被保險人，投保人必須為被保險人的父母或合法監護人，然而，當被保險人年滿18歲時，被保險人於續保時將自動成為投保人。

• 保險期：1年

• 投保人年齡：18歲或以上

• 被保險人年齡：出生後6個月至50歲 (18歲以下兒童可獨立投保，惟投保人必須為被保險人的父母或合法監護人)

• 保費繳付方式：年繳

• 最低保障金額：港幣200,000(以每20萬為單位)

• 最高保障金額：港幣1,000,000(以每名被保險人計算)

投保條件

L-A

G-J

F-55

-052

017-

5000

性別 投保保額(港元) 投保保費（港元）

被保險人投保時年齡

**備註：51-79歲只適用於續保

客戶服務熱線：(852)37161616

危疾保險計劃「太平智康保」