• Each insured person can claim up to 2 different Major Critical Illnesses and 2 different Early-Stage Critical Illnesses, subject to the Lifetime Benefit Limit.
• The second Major Critical Illness claimed should not be the complication or sequelae of a Major Critical Illness for which a claim has been paid.
• The second Early-Stage Critical Illness claimed should not be the complication or sequelae of an Early-Stage Critical Illness for which a claim has been paid.

* At Policy Renewal Only

1.The applicant must be a resident in Hong Kong and aged between 18 and 59.

2.Covers under a policy include covers for the applicant, the applicant’s spouse/domestic partner and unmarried children aged between 15 days and 18 years (full-time student up to 23 years old. See eligibility terms for details.

3.Premiums are payable annually or monthly.

4.Lifetime Benefit Limit means the maximum aggregate amount claimable under the policy as a whole by an insured person for the lifetime. The cover under the policy shall terminate automatically when the Lifetime Limit has been used up.

5.Unless cancelled, the policy will automatically be renewed each year. The policy will expire and not be further renewed at the end of the policy year in which the applicant has attained the age of 80.

6.Policy becomes effective after an application has been accepted and the premium and amount payable has been received. There is a waiting period of 90 days for cover in relation to claims made other than those caused by accident during the waiting period. The insured person must be alive for at least 21 days after being first diagnosed with a Major Critical Illness or Early-Stage Critical Illness as specified in the policy wording in order to qualify for a claim.

7.Premium will be adjusted when an insured person enters the next age group according to the premium table.

8.The applicant will have 14 days cooling off period upon receipt of the insurance policy(ies) and/or policy terms. The applicant may cancel the policy by giving written notice to MSIG within the 14 days cooling off period without giving any reason, except where one or more claims have been made before the date of cancellation. Any premium and the Levy paid by the applicant will be refunded without interest. In such case, the policy shall be deemed to have been void from the date of inception. This cancellation right shall not apply at policy renewal. Premium and the Levy once paid will not be refundable after the 14 days cooling off period.

1.Pre-existing conditions before policy commencement date

2.Congenital (inborn) anomalies

3.Illness occurred within 90 days waiting period from the first inception date of the policy except having caused by accident

4.Medical services which are not medically necessary

5.Genetic testing for cancer

6.Experimental, unproven, or unconventional medical treatment

7.Vaccination and immunisation injections for prevention of cancer

8.Over-the-counter medication and nutrient supplement

9.Unreasonable failure to seek or follow medical advice

10.HIV/AIDS

11.War, invasion, rebellion

12.Radioactive contamination

The above is a summary of the Major Exclusions only. For details, please refer to policy provisions.

Insurance Authority (IA) has announced the collection of levy on insurance premium under the ‘Insurance Ordinance’ with effect from 1 January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy.