Well Care Silver Medical Plan

As health comes into sharper focus with age, sufficient medical protection is paramount to our well-being. Facing the realities of aging and accelerating medical costs, your existing insurance plan may be insufficient to cover your health-related expenses. Well Link Life's Well Care Silver Medical Plan ('the plan') is designed for customers from age 55 to 75 years. The plan helps to relieve the financial burden arising from medical expenses, allowing you to focus on your treatment.

Key Feature
Product Summary

Guaranteed Renewable to Age 100 for Peace of Mind

The plan is renewable every five years up to age 100, ensuring your medical coverage can keep pace with any increasing need for medical care.

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The plan is renewable every five years up to age 100, ensuring your medical coverage can keep pace with any increasing need for medical care.

Three Plans Available for Your Selection

Everyone's financial situation and protection requirements are different. Accordingly we have designed three levels of benefits to best suit your needs..

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Everyone's financial situation and protection requirements are different. Accordingly we have designed three levels of benefits to best suit your needs..

Up to 180 Days Hospital Income¹and Two Surgeries Each Year²

This plan protects those without medical insurance and helps manage sudden medical expenses. Even if you have medical insurance, it may not be sufficient to cover today's increasing medical costs. This plan allows you to choose your needed medical services due to disability. It provides up to 180 days hospital income and benefits for up to two surgeries each policy year1. This helps you ease your financial burden and allows you to focus on your treatment.

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This plan protects those without medical insurance and helps manage sudden medical expenses. Even if you have medical insurance, it may not be sufficient to cover today's increasing medical costs. This plan allows you to choose your needed medical services due to disability. It provides up to 180 days hospital income and benefits for up to two surgeries each policy year1. This helps you ease your financial burden and allows you to focus on your treatment.

Maximum 180 days Daily Rehabilitation Benefit^1,3

The Life Insured can reimburse the daily rehabilitation treatment expenses after discharge from each hospital confinement, from 15 days to a maximum of 180 days. The rehabilitation treatment should be recommended by a Physician to the Life Insured who is incapacitated as a direct cause or complication of the same injury or sickness.

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The Life Insured can reimburse the daily rehabilitation treatment expenses after discharge from each hospital confinement, from 15 days to a maximum of 180 days. The rehabilitation treatment should be recommended by a Physician to the Life Insured who is incapacitated as a direct cause or complication of the same injury or sickness.

Simple Application and Underwriting Process

It is quick and easy to apply for this plan, which features a simplified underwriting process.

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It is quick and easy to apply for this plan, which features a simplified underwriting process.

^Remarks:

^{1. Lifetime limit for daily hospital income benefit and daily rehabilitation
benefit is 730 days. Hospital confinement means the registration for admission
and confinement
of the life insured as an in-patient in a hospital upon recommendation of a
physician for the treatment of an injury or sickness provided that the life
insured must be
admitted in the hospital as an in-patient for a minimum of 12 hours and
continuously stay in the Hospital thereafter prior to his discharge which incurs
a charge for
hospital daily room and board or intensive care. Hospital confinement must be
medically necessary.}

^{2. If the life insured is confined in a public hospital, the daily amount
payable under this benefit shall equal: (i) the daily hospital income benefit of
amount as
specified on the policy schedule or (ii) the daily inpatient fee actually
charged by the public hospital, whichever is lower.}

^{3. Hospital confinement for the same inquiry or sickness for a minimum
continuous period of 90 days is required and the life insured who is
incapacitated as a direct or
complication of the same inquiry or sickness receives treatment as recommended
by a physician for rehabilitation treatment after discharge of the hospital
confinement.
Incapacitated means hospital confinement for a minimum continuous period of 90
days and the life Insured suffers any one of the following major disabilities or
loss: (i)
cognitive impairment; (ii) permanent need for wheelchair; or (iii) permanent
loss of use of two limbs, sight, hearing or speech.}

^{4. If the life insured undergoes a surgical operation in a hospital during the
hospital confinement due to disability, the Company shall pay the surgical
benefit on an
indemnity basis subject to the applicable maximum benefit limit as specified in
the policy schedule. If two or more surgical operations are performed
during the same
hospital confinement, the amount payable shall not exceed the maximum benefit
limit of the most complicated surgical procedure performed.}

^{5. Hospital confinement and surgical procedure must be medically necessary*. *
Medically necessary means in respect of confinement, treatment, procedure,
supplies or other
medical services, such confinement, treatment, procedure, supplies or other
medical services which are, in the Company's opinion:}

^{(i) required for, appropriate and consistent with the
symptoms and findings or diagnosis and treatment of the disability;}

^{(ii) in accordance with generally accepted medical practice
and not of an experimental or investigative nature;}

^{(iii) not for the convenience of the life insured, the
policyowner, the physician or any other person; and}

^{(iv) not able to be omitted without adversely affecting the
life insured's medical condition.}

^{6. For hospitals in PRC, hospitals not listed on the prevailing “List of
Specified Hospitals in PRC” maintained by the Company at the time of admission
do not fall within
the definition of “Hospital”. Please refer to the Company's website at
www.wli.com.hk for the “List of Specified Hospitals in PRC”.}

Well Care Silver Medical Plan

Plan Type:

Basic plan

Issue Age:

Age 55 to age 75 （on last birthday）

Policy Term

Renewable every five years, up to age 100. Premium will not be adjusted when the Life Insured reaches age 95.

Premium Payment Mode

Monthly/ Annual

Policy Currency

HKD

Daily Hospital Income Benefit¹

Plan 1: $500

Plan 2: $750

Plan 3: $1,000

Cumulative up to 180 days of hospital confinement per policy year

Daily Rehabilitation Benefit^{1, 3}：

Plan 1: $500

Plan 2: $750

Plan 3: $1,000

Minimum 15 days to maximum 180 days per claim

Surgical Benefit²

Plan 1:

Complex: $50,000

Major: $25,000

Intermediate: $12,500

Minor: -

Plan 2:

Complex: $70,000

Major: $35,000

Intermediate: $17,500

Minor: -

Plan 3:

Complex: $90,000

Major: $45,000

Intermediate: $22,500

Minor: -

Cumlative up to two times per policy year