Brand-New AIA "Cancer Guardian 3" Combines Multiple Protection with Value-Added Services to Address Pain Points on the Cancer Care Journey from Prevention and Prediction to Diagnosis, Treatment and Recovery: Offers First-in-Market "Experimental Drugs Benefit", Unique-in-Market "Prevention and Early Detection Benefits" plus "Health Pilot" Service
In Response to Public Concerns　AIA Hong Kong Funded The Centre for Health Systems & Policy Research, The Jockey Club
School of Public Health and Primary Care of The Chinese University of Hong Kong to Conduct an Independent Study on Cancer Care in Hong Kong

1. As of 1 September 2022, compared against similar cancer protection insurance products provided by major Hong Kong insurance companies.
   
2. Available for Plus and Mega plans only. Starting from the 4th policy year, Cancer Guardian 3 provides the insured with the Prevention and Early Detection Benefits. Depending the attained age of the insured, the insured can choose to receive HPV vaccination or designated cancer screening selection and choose to screen for cancer on every 5 years.
   
3. Available for Plus and Mega plans only. For the Experimental Drugs Benefit to be payable, the insured must be diagnosed with a Stage III or IV covered cancer, or terminal blood cancer (terminal blood cancer refers to any haematological malignancy deemed incurable with existing non-experimental treatment by a haematologist) and with a medical certificate issued by a registered medical practitioner to certify that (a) such prescribed experimental drug is related to his/her active or palliative treatment for the covered cancer, and (b) effective preliminary review for the covered cancer must have been carried out on such prescribed drug at the time of prescription and have obtained approval from one of the following regulatory authorities to be on a clinical trial for testing and/or treatment in humans, and such experimental drug must be in active phase III of a clinical trial :
   • United States Food and Drug Administration (FDA)
   • European Medicines Agency (EMA)
   • National Medical Products Administration (NMPA) of China
   • Department of Health of Hong Kong
     
4. The insured must be diagnosed with cancer (including carcinoma-in-situ). Expressive arts therapy must be administered by a registered expressive arts therapist, who must be duly registered with any of the following professional bodies, including International Expressive Arts Therapy Association and Australian, New Zealand and Asian Creative Arts Therapies Association. Music therapy must be administered by a registered music therapist or registered expressive arts therapist. The music therapist must be duly registered with any of the following professional bodies: Canadian Association for Music Therapy, The Certified Board for Music Therapists, The Health and Care Professions Council, and Australian Music Therapy Association.
   
5. The Centre for Health Systems & Policy Research of The Jockey Club School of Public Health and Primary Care of The Chinese University of Hong Kong released a research report on cancer care in Hong Kong in September 2022, which included a survey on 408 respondents, aged 18-49, about their knowledge, attitudes and practices on cancer screening.
   
6. If the insured is unfortunately diagnosed with a covered cancer, Cancer Guardian 3 also offers preventive screening for the directly related covered cancer to 2 immediate family members of the insured within 120 days from the insured's first diagnosis of such covered cancer.
   
7. This service is provided by the designated service provider engaged by AIAHK and is not applicable to Macau Region. Services are subject to terms and conditions.
   
8. Service arrangements are only applicable/subject to the designated service provider.
   
9. Customers can settle the shortfall payment resulting from their hospital stay after treatment. Once the final claim amount has been settled, any related benefit limits will be reduced accordingly. For more information and the list of designated hospitals, please refer to our Credit Facility Service for Hospitalisation leaflet.
   
10. As of 1 September 2022, the relevant figure is subject to change.
    
11. Expense for predictive purpose is referring to pap smear that is covered under Prevention and Early Detection Benefits. For the avoidance of doubt, except for pap smear as mentioned, Cancer Guardian 3 does not cover any other expenses for predictive purpose.