If you are diagnosed with a carcinoma-in-situ and the Cumulative Severity Score is increased by the Severity Factor under Step 1 and the corresponding Extra Severity Score under Step 2, we will pay no less than 10% of Sum Assured as a guaranteed minimum amount under the Severe Condition Benefit. Please note such guaranteed minimum amount can only be exercised once per policy and is subject to a maximum of HKD/MOP400,000 / USD50,000 per life for claims of score 3 and 4.
Reminder
ReminderThis benefit calculator provides simple estimation about the percentage of Sum Assured payable related to Cancer or Carcinoma-in-situ only.
Disclaimer / Note:
This tool provides simple estimation about the percentage of Sum Assured payable related to Cancer or Carcinoma-in-situ, the projected result is based on data you have submitted and is for reference only. It does not constitute our liability for any claim payment. The final claim decision will be based on your policy documents and other applicable terms and conditions. For details, please contact us and refer to the [product brochure] and relevant documents.
The maximum of Severe Condition Benefit is 120% of Sum Assured.
The maximum of Extra Benefit on Extremely Serious Condition is 40% of Sum Assured.
• The maximum of Severe Condition Benefit is 120% of Sum Assured ;
• The maximum of Extra Benefit on Extremely Serious Condition is 40% of Sum Assured.
ABDOMINAL AND DIGESTIVE SYSTEM
Oesophageal / stomach / duodenum
Minor
Oesophagogastroduodenoscopy (OGD) +/- biopsy and/or polypectomy
Percutaneous gastrostomy
Major
Excision of oesophageal lesion / destruction of lesion or tissue of
oesophagus, cervical approach
Permanent gastrostomy / gastroenterostomy
Complex
Oesophagectomy
Total oesophagectomy and interposition of intestine
Proximal gastrectomy / radical gastrectomy / total gastrectomy +/-
intestinal interposition
Jejunum, ileum and large intestine
Minor
Colonoscopy +/- biopsy
Colonoscopy with polypectomy
Sigmoidoscopy
Major
Ileostomy or colostomy
Resection of small intestine and anastomosis
Complex
Anterior resection of rectum, open or laparoscopic
Abdominoperineal resection, open or laparoscopic
Colectomy, open or laparoscopic
Low anterior resection of rectum , open or laparoscopic
Liver
Minor
Fine needle aspiration (FNA) biopsy of liver
Pancreas
Intermediate
Closed biopsy of pancreatic duct
Major
Excision / destruction of lesion of pancreas or pancreatic duct
Complex
Pancreaticoduodenectomy (Whipple's Operation)
Abdominal wall
Intermediate
Laparoscopy / peritoneoscopy
Major
Exploratory laparotomy
BRAIN AND NERVOUS SYSTEM
Brain
Major
Brain biopsy
Complex
Craniectomy
Excision of brain tumour or brain abscess
Excision of brain, including lobectomy
Hemispherectomy
ENDOCRINE SYSTEM
Adrenal Gland
Major
Unilateral adrenalectomy, laparoscopic or retroperitoneoscopic
Complex
Bilateral adrenalectomy, laparoscopic or retroperitoneoscopic
Thyroid Gland
Minor
Fine needle aspiration (FNA) of thyroid gland +/- imaging
guidance
Major
Hemithyroidectomy / partial thyroidectomy / subtotal
thyroidectomy / parathyroidectomy
Total thyroidectomy / complete parathyroidectomy /
robotic-assisted total thyroidectomy
EAR/ NOSE / THROAT / RESPIRATORY SYSTEM
Respiratory system
Minor
Bronchoscopy +/- biopsy
Laryngoscopy +/- biopsy
Microlaryngoscopy +/- Biopsy +/- excision of nodule / polyp /
Reinke's edema
Tracheostomy, temporary / permanent / revision
Intermediate
Laryngeal diversion
Partial / total resection of laryngeal tumour
Thoracoscopy +/- biopsy
Major
Pleurectomy
Segmental resection of lung
Thoracoplasty
Complex
Laryngectomy +/- radical neck resection
Lobectomy of lung / pneumonectomy
EYE
Eye
Intermediate
Enucleation of eye
FEMALE GENITAL SYSTEM
Cervix
Minor
Colposcopy +/- biopsy
Conization of cervix
Destruction of lesion of cervix by excision/ cryosurgery /
cauterization / laser
Endocervical curettage
Loop electrosurgical excision procedure (LEEP)
Intermediate
Amputation of cervix
Fallopian tubes and ovaries^
Major
Ovarian cystectomy, open or laparoscopic
Wedge resection of ovary, open or laparoscopic
Oophorectomy, laparoscopic
Salpingo-oophorectomy, open or laparoscopic
Uterus
Minor
Hysteroscopy +/- biopsy
Intermediate
Hysteroscopy with excision or destruction of uterus and supporting
structures
Complex
Radical abdominal hysterectomy
Pelvic exenteration
Vagina
Minor
Destruction of lesion of vagina by excision / cryosurgery /
cauterization / laser
Intermediate
Partial vaginectomy
Major
Vaginectomy, complete
Vaginal reconstruction
Complex
Radical vaginectomy
Vulva and introitus
Minor
Destruction of lesion of vulva by excision / cryosurgery /
cauterization / laser
Wide local excision of vulva with cold knife or LEEP
Excision biopsy of vulva
Intermediate
Vulvectomy
Major
Radical vulvectomy
HEMIC AND LYMPHATIC SYSTEM
Lymph Nodes
Minor
Biopsy / excision of superficial lymph nodes / simple excision of
lymphatic structure
Incisional biopsy of cervical lymph node / fine needle aspiration
(FNA) biopsy of lymph nodes
Intermediate
Bilateral inguinal lymphadenectomy
Cervical lymphadenectomy
Major
Inguinal and pelvic lymphadenectomy
Radical groin dissection
Radical pelvic lymphadenectomy
Selective / radical / functional neck dissection
Wide excision of axillary lymph node
MALE GENITAL SYSTEM
Prostate
Minor
Prostate biopsy
Major
Transurethral prostatectomy or TURP
Prostatectomy, open or laparoscopic
Complex
Radical prostatectomy, open or laparoscopic
Testicles^
Minor
Testicular biopsy
Intermediate
Exploration of testis
Major
Orchidectomy or orchidopexy, laparoscopic
MUSCULOSKELETAL SYSTEM
Bone
Intermediate
Amputation of one arm / hand / leg / foot
Spine
Minor
Spinal biopsy
SKIN AND BREAST
Skin
Minor
Curettage / cryotherapy / cauterization / laser treatment of lesion
of skin
Local excision or destruction of lesion or tissue of skin and
subcutaneous tissue
Breast
Minor
Fine needle aspiration (FNA) of breast cyst
Incisional breast biopsy
Intermediate
Breast tumour/ lump excision +/- biopsy
Partial or simple mastectomy
Major
Modified radical mastectomy
Partial or radical mastectomy with axillary lymphadenectomy
Total or radical mastectomy
URINARY SYSTEM
Kidney
Minor
Percutaneous insertion of nephrostomy tube
Renal biopsy
Major
Nephroscopy
Nephrectomy, open or laparoscopic or retroperitoneoscopic
Bladder, ureter and urethra
Minor
Cystoscopy +/- biopsy
Cystoscopy with catheterization of ureter/ transurethral bladder
clearance
Major
Diverticulectomy of urinary bladder, open or laparoscopic
Transurethral resection of bladder tumour
Partial cystectomy, open or laparoscopic
Ileal or colonic replacement of ureter
Unilateral reimplantation of ureter into bowel or bladder
Bilateral reimplantation of ureter into bowel or bladder
Complex
Radical/ total cystectomy, open or laparoscopic
Formation of ileal conduit, including ureteric implantation
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Cancer or Carcinoma-in-situ
Benefit Calculator for Severity index
Please input the surgery or treatment received, or the duration of confinement to calculate the percentage of Sum Assured payable.
SEVERE
CONDITION
BENEFIT 0 % OF SUM
ASSURED
EXTREMELY SERIOUS
CONDITION 0 % OF SUM
ASSURED
ASSURED
CONDITION
BENEFIT 0 % OF SUM
ASSURED
(MAX)
+
EXTRA BENEFIT ONEXTREMELY SERIOUS
CONDITION 0 % OF SUM
ASSURED
(MAX)
=
0
%
OF SUMASSURED
(MAX)
SEVERE CONDITION
BENEFIT
0 % OF SA
EXTREMELY SERIOUS CONDITION
0 % OF SA
BENEFIT
0 % OF SA
(MAX)
+
EXTRA BENEFIT ONEXTREMELY SERIOUS CONDITION
0 % OF SA
(MAX)
=
0
%
OF SA(MAX)
CUMULATIVE
SEVERITY
SCORE 0
HOSPITAL STAY 0 + EXTRA
SEVERITY SCORE 0 = CUMULATIVE SEVERITY SCORE 0
SEVERITY
SCORE 0
Benefit cap of USD 50k
=
SURGERY
0
+
TREATMENT
0
+
INTENSIVEHOSPITAL STAY 0 + EXTRA
SEVERITY SCORE 0 = CUMULATIVE SEVERITY SCORE 0
Surgery
Please select the category of surgery:
Get start from
[Surgery]
0
point
NO
+1
point
Major VHIS Surgery
+2
points
Complex VHIS Surgery
+4
points
Major Organ Transplant or on waiting list of Major Organ
Transplant#
EXTRA BENEFIT ON EXTREMELY SERIOUS
CONDITION@
Remark: 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.
^ Subject to a maximum of HKD/MOP400,000 / USD50,000 per life for claims of score 3 and 4.
@ The maximum of Extra Benefit on Extremely Serious Condition is 40% of Sum Assured.
# Including:
- Transplant of human bone marrow using haematopoietic stem cells which is preceded by total bone marrow ablation; or
- 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.
Treatment
Please select the nature of treatment:
Please select [Treatment]
options
0
point
NO
+1
point
General medication and alternative treatment
(For Example: Painkillers, Chinese Medicine) +2 points Cancer focused treatment**
(For Example: Radiotherapy, Chemotherapy, Targeted Therapy, Hormonal Therapy, Immunotherapy and Proton Therapy) +4 points Treatment for liver cancer , blood cancer, lymphoma, brain cancer, or any Stage IV Cancer
(Fulfilling as Specified Cancer. Any Treatment including Painkillers, Chinese Medicine) EXTRA BENEFIT ON EXTREMELY SERIOUS CONDITION@
(For Example: Painkillers, Chinese Medicine) +2 points Cancer focused treatment**
(For Example: Radiotherapy, Chemotherapy, Targeted Therapy, Hormonal Therapy, Immunotherapy and Proton Therapy) +4 points Treatment for liver cancer , blood cancer, lymphoma, brain cancer, or any Stage IV Cancer
(Fulfilling as Specified Cancer. Any Treatment including Painkillers, Chinese Medicine) EXTRA BENEFIT ON EXTREMELY SERIOUS CONDITION@
Remark: 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.
^ Subject to a maximum of HKD/MOP400,000 / USD50,000 per life for claims of score 3 and 4.
@ 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.
Intensive Hospital Stay
Please select length of stay in the ICU, and whether a coma occurred during
hospitalisation:
Please select [Intensive
Hospital Stay] options
0
point
NO
+1
point
3-4 consecutive days in ICU
+2
points
5 consecutive days or more in ICU
+4
points
Hospitalisation and coma for 96 consecutive hours or more
EXTRA BENEFIT ON EXTREMELY SERIOUS
CONDITION@
Remark: 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.
^ Subject to a maximum of HKD/MOP400,000 / USD50,000 per life for claims of score 3 and 4.
@ The maximum of Extra Benefit on Extremely Serious Condition is 40% of Sum Assured.
Extra Severity Score
Please select the type of illness (max up to 2 points per policy):
Please select [Extra
Severity Score] options
+1
point
Carcinoma-in-situ
+2
points
Cancer
Remark: 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.
^ Subject to a maximum of HKD/MOP400,000 / USD50,000 per life for claims of score 3 and 4.