1320 MultiCare Critical Illness
Plan

Critical illnesses can strike suddenly and worry your loved one and family. To survive the lethal challenges, it is important to have an early detection and match it with appropriate medical treatments. However, with healthcare costs on the rise and relentless challenges to our health, adequate medical reserve and protection with multiple claims are indispensable. Tahoe Life offers you 1320 MultiCare Critical Illness Plan (the “Plan”) which is your all-rounded protection plan against critical illnesses, giving you multiple claims protection up to 1320% of the initial sum assured. Even when critical illness strikes from time to time, with the genetic profiling test and world’s top medical experts, you will be advised with suitable treatment plans, bringing you back to a brilliant life.

Plan Features:

139 Covered Illnesses with Multiple Claims
The Plan provides coverage of multiple claims to 139 illnesses, which include 63 major illnesses (including cancers, stroke and heart attack), 59 early stage critical illnesses (e.g. carcinoma-in-situ, angioplasty, etc.) and 17 severe child diseases. These 139 illnesses are divided into 6 groups (“Critical Illness Group”), each of which with different Critical Illness Group Limit as shown in Table 1 below.　

If the insured is diagnosed with any one of the covered illnesses while the policy of the Plan is effective, a lumpsum cash payment will be provided under the Major Illness Benefit, Early Stage Critical Illness Benefit, Severe Child Disease Benefit or Diabetes Complications Benefit, depending on which benefit covers the illness.

Before age 85 of the insured, subject to the fulfilment of the waiting period requirement, the Plan accepts multiple claims for different covered illnesses until the total claim amount of that Critical Illness Group reaches the Critical Illness Group Limit. Unless otherwise specified, any benefit of the Plan will be payable once only for each illness.

On or after age 85 of the insured, the Major Illness Benefit, Early Stage Critical Illness Benefit, Severe Child Disease Benefit and Diabetes Complications Benefit will still be in effect until the insured is aged 100 or the total claim amount of the above-mentioned benefits reaches 100% of the initial sum assured , whichever is earlier.

Table 1: Critical Illness Group Limit

Critical Illness Group	Critical Illness Group Limit (% of the initial sum assured)
Group 1 - Cancer	610%
Group 2 - Illnesses related to Organ Failure	100%
Group 3 - Illnesses related to Circulatory System	220%
Group 4 - Illnesses related to Nervous System	100%
Group 5 - Other Illnesses	100%
Non-Grouping Other Major Illnesses	100%

Protection is Boosted by Extra 50% Maximum at the Start
The Coverage Booster Benefit will be offered when the designated benefit of the Plan becomes payable within the first 15 years (for issue age under 41) or the first 10 years of the policy (for issue age 41 or above), subject to a maximum amount equivalent to 50% of the initial sum assured.

Designated Benefits	Coverage Booster Benefit
Death Benefit	50% of the initial sum assured
Major Illness Benefit	50% of the initial sum assured
Early Stage Critical Illness Benefit	10% of the initial sum assured
Severe Child Disease Benefit	10% of the initial sum assured

Continuous Protection with Critical Illness Premium Waiver
When the aggregate claim amount from Major Illness Benefit, Early Stage Critical Illness Benefit, Severe Child Disease Benefit and Diabetes Complications Benefit reaches 100% of the initial sum assured (excluding any prior claim(s) under Coverage Booster Benefit, Genetic Profiling Test for Precision Medical Treatment Benefit, Target Cancer Therapy Benefit and Rehabilitation Benefit) during the premium payment term, all future premiums will be waived, giving the insured peace of mind.

Life Insurance and Disability Benefit
The Plan provides life insurance up to the age of 100 of the insured. In the unfortunate event of the death of the insured, the designated beneficiary will receive the Death Benefit, equivalent to 100% of the current sum assured, and any terminal dividend, any Coverage Booster Benefit, less any indebtedness of the policy.

If the insured suffers from total disability due to illness or accident between age 16 and 60 for a continuous period of 180 days or above, the Disability Benefit shall waive the premiums of the basic plan of the policy payable during the continuance of the total disability to maintain the protection.

Protection and Long-term Savings in One Plan
In addition to comprehensive protection, this Plan also brings you wealth accumulation through guaranteed cash value and terminal dividend.

If the policy has been effective for 10 years (for 5-year or 10-year premium payment term) or 15 years (for 15-year or 20-year premium payment term), the plan may pay you a one-off terminal dividend upon the surrender of the policy, the maturity of the policy, payment of 100% of the initial sum assured (including any prior claim(s) under the Major Illness Benefit, Early Stage Critical Illness Benefit, Severe Child Disease Benefit and Diabetes Complications Benefit) or death of the insured. The terminal dividend is not guaranteed.

4 Premium Payment Terms at Choice and Premium Prepayment Option
To fit your financial situation, the Plan offers 4 premium payment terms: 5 years, 10 years, 15 years and 20 years.

For 5-year premium payment term, you can choose to prepay all premiums upon policy application, which will be accumulated at an interest rate and used for the settlement of renewal premium due.

Prestige Global Medical Assistance Services
In addition to all-rounded critical illness protection, the Plan also provides you with professional and
attentive Prestige Global Medical Assistance Services. You will have access to a 24-hour medical enquiry service and second medical opinion supported by experienced medical professionals, worldwide medical network, and global medical concierge services, to take care of your health needs at all times.

Optional Supplementary Contracts (not available for Premium Prepayment Option)
According to your personal needs, you may enhance the protection by adding "Payor's Benefit Supplementary Contract".

For more product details, please visit Tahoe Life’s website.

Plan Cover:

Premium Payment Term	5 years	10 years	15 years	20 years
Issue Age (last birthday of the insured)	15 days to age 65	15 days to age 65	15 days to age 60	15 days to age 55
Policy Currency	USD

Remarks:

1. Terminal dividend are not guaranteed, subject to change and will be determined by Tahoe Life at its discretion.
2. The above information is for reference only. For a complete description of the terms and conditions, please refer to the policy.