¹ The product information in this benefit calculator does not contain the full terms of the product, for the details of the product features, terms and conditions, exclusions and key product risks, you may refer to the product brochure and policy contract of relevant products. This plan can only be purchased as a basic plan or as a rider.

² The highest scores from current and all previous claims will be assigned for each Severity Factors.

^{^} The maximum claim of the Cumulative Severity Score of 3 points and 4 points is US$50,000 / HK$400,000 / MOP400,000 per insured.

^## The surgical categories are for reference only. For the latest surgical categories, please refer to Schedule of Surgical Procedures under the Voluntary Health Insurance Scheme (VHIS) published by the Government.

^@ The maximum of Extra Benefit on Extremely Serious Condition is 40% of Sum Assured.

^% Including:

1. Transplant of human bone marrow using haematopoietic stem cells which is preceded by total bone marrow ablation; or
2. Transplant of one of the following human organs to treat irreversible end-stage failure of the same: heart, lung, liver, kidney, or pancreas.
   Other than as provided in (a) above, stem cell transplants and tissue or cell transplant of pancreas are excluded.

¹ The product information in this benefit calculator does not contain the full terms of the product, for the details of the product features, terms and conditions, exclusions and key product risks, you may refer to the product brochure and policy contract of relevant products. This plan can only be purchased as a basic plan or as a rider.

² The highest scores from current and all previous claims will be assigned for each Severity Factors.

^{^} The maximum claim of the Cumulative Severity Score of 3 points and 4 points is US$50,000 / HK$400,000 / MOP400,000 per insured.

^@ The maximum of Extra Benefit on Extremely Serious Condition is 40% of Sum Assured.

^# Cancer focused treatment means non-surgical treatment for direct purpose of curing or controlling the progression of cancer or carcinoma-in-situ.

^** Specific target cancer means liver cancer, blood cancer, lymphoma, brain cancer, or any Stage IV cancer.

⁺ Specific organs mean heart, liver, kidney and lung.

¹ The product information in this benefit calculator does not contain the full terms of the product, for the details of the product features, terms and conditions, exclusions and key product risks, you may refer to the product brochure and policy contract of relevant products. This plan can only be purchased as a basic plan or as a rider.

² The highest scores from current and all previous claims will be assigned for each Severity Factors.

^{^} The maximum claim of the Cumulative Severity Score of 3 points and 4 points is US$50,000 / HK$400,000 / MOP400,000 per insured.

^@ The maximum of Extra Benefit on Extremely Serious Condition is 40% of Sum Assured.

¹ The product information in this benefit calculator does not contain the full terms of the product, for the details of the product features, terms and conditions, exclusions and key product risks, you may refer to the product brochure and policy contract of relevant products. This plan can only be purchased as a basic plan or as a rider.

² The highest scores from current and all previous claims will be assigned for each Severity Factors.

^{^} The maximum claim of the Cumulative Severity Score of 3 points and 4 points is US$50,000 / HK$400,000 / MOP400,000 per insured.

^@ Maximum booster benefit of sum assured is 40%.

¹ The product information in this benefit calculator does not contain the full terms of the product, for the details of the product features, terms and conditions, exclusions and key product risks, you may refer to the product brochure and policy contract of relevant products. This plan can only be purchased as a basic plan or as a rider.

² The highest scores from current and all previous claims will be assigned for each Severity Factors.

^{^} The maximum claim of the Cumulative Severity Score of 3 points and 4 points is US$50,000 / HK$400,000 / MOP400,000 per insured.