这是用户在 2025-1-23 22:13 为 https://app.immersivetranslate.com/pdf-pro/3707eaee-4b8f-4875-ab04-8061a9cbe6a8 保存的双语快照页面,由 沉浸式翻译 提供双语支持。了解如何保存?


产品摘要 Singlife Elite Term II(定期支付)


1. 产品描述


该计划是一种非参与型定期寿险计划。基本保障在保单期限内提供对死亡和末期疾病的保护。该计划没有任何现金价值。

此外,保单下为被保险人的意外死亡提供临时保障,或者在联合寿险提案的情况下,为在临时保障期间内遭遇意外死亡的两名被保险人中的 1 st 1 st  1^("st ")1^{\text {st }} 提供保障。临时保障从申请签署之日起生效。
注意:

(a)“您”/“您的”指保单持有人。“我们”/“我们”/“我们的”指新加坡人寿有限公司。


(b)“年龄”指下一个生日的年龄。

产品一览


  • 选择保障期限:

  • 5 年或 10 年(带有保证续保选项)

  • 至 85 岁时的 11 年,每年间隔一次,或
  • 至 99 岁。

  • 在保单有效期内,若被保险人去世或被诊断为绝症,将支付一次性赔付。

  • 保费在整个保单期限内保持不变并且有保障。

  • 可用的 6 种货币选项为:新加坡元(SGD)、美元(USD)、英镑(GBP)、欧元(EUR)、澳元(AUD)和港元(HKD)。

  • 在被保险人经历某些生活阶段事件时,可以选择增加保险金额(无需提供保险可保性证明),例如:- 在其直系家庭中增加一个新子女成员,

  • 为自己或孩子注册初等、中等或高等教育,

  • 在高等教育毕业后一年内进入全职工作,

  • 更改其婚姻状况,

  • 购买房产,或

  • 被保险人年满 21 岁。

  • 选择按月、按季度、半年或按年付款。

  • 增加附加福利,以获得额外的安心。

  1. 计划特点和优势

只有在我们收到令人满意的证明并批准任何索赔后,才会支付福利。


在我们支付任何福利之前,我们将扣除该保单年度剩余的应付保费和任何应付给我们的福利金额。

建议您阅读保单合同以获取完整的除外条款列表。

被保险人签名:

日期
名称 : : quad:\quad: a
财务签名
顾问代表
日期 : : :: 14/03/2024
名称 : : ::
金融联盟私人有限公司
公司名称 : : ::
金融联盟私人有限公司
联系电话 : 86888625 : 86888625 :86888625: 86888625
代表代码 : 77000619 : 77000619 :77000619: 77000619
Date : 14/03/2024 Name : Financial Alliance Pte Ltd Company Name : Financial Alliance Pte Ltd Contact Number :86888625 Representative Code :77000619 | Date | $:$ 14/03/2024 | | | :--- | :---: | :--- | | Name | $:$ | Financial Alliance Pte Ltd | | Company Name | $:$ | Financial Alliance Pte Ltd | | Contact Number | $: 86888625$ | | | Representative Code | $: 77000619$ | |


2.1. 临时意外死亡赔偿金

我们支付的费用
我们不支付的费用

临时意外死亡保险“临时保障”仅适用于申请日期时被保险人年龄低于 60 岁,并且符合申请表中规定的披露义务。

我们在临时保障下每位生命的临时保障利益为:

- 提议的死亡赔偿金保障金额,或

- 新加坡元 500,000(或其等值其他货币),

无论哪个更低,减去第一保单年度应支付的保费。

在收到申请及所有所需的支持文件和信息后,如果我们确定存在超过标准的生命风险,我们保留通过立即通知被保险人撤销临时保障的权利。

临时意外死亡福利结束时
此福利结束:

- 在政策生效日期,

- 从申请签署之日起 90 天内,

- 自我们接受申请之日起 30 天内,若以不合格条款接受,除非被保险人接受该条款,

- 在申请被撤回的日期,

- 在我们拒绝或推迟申请的日期,或者

- 如果拟议的被保险人因事故去世(或者在联合寿险提案的情况下,如果 2 名拟议被保险人中的 1 st 1 st  1^("st ")1^{\text {st }} 因事故去世),

无论哪个是最早的。

“事故”是指仅由暴力、意外、外部和可见的手段直接引起的事件,且与所有其他原因完全独立。

“意外死亡”是指因意外造成的死亡。

“申请”是指由申请中所列的个人签署并提交的申请表,以向我们购买保单,包括为支持该申请而提供给我们的任何书面声明、陈述和/或文件。
The interim Accidental Death cover "Interim Cover" applies only if the Life Assured is less than Age 60 on the date of Application and comply with the duty of disclosure as set out in the Application Form. The Interim Cover Benefit per life by Us under the Interim Cover is: - the proposed Sum Assured for Death Benefit, or - SGD 500,000 (or its equivalent in other currencies), whichever is lower, less the Premiums which would have been required to be paid for the first policy year. Upon receiving the Application and all the required supporting documents and information, We reserve the right to revoke the Interim Cover by informing the Life Assured immediately if We determine that there is more than the standard life risk to cover. When the Interim Accidental Death Benefit Ends This benefit ends: - on the Policy Issue Date, - 90 days from the date of Application signed, - 30 days from the date the Application is accepted by Us on substandard terms, unless the Assured accepts the terms, - on the date the Application is withdrawn, - on the date the Application is rejected or postponed by Us, or - if the proposed Life Assured dies due to an Accident (or in the case of a joint-lives proposal, if the 1^("st ") of the 2 proposed Lives Assured were to die due to an Accident), whichever is the earliest. "Accident" means an event caused solely and independently of all other causes and directly by violent, unexpected, external and visible means. "Accidental Death" means death caused by Accident. "Application" means the application form signed and submitted by the person(s) named in the application to purchase the Policy from Us, including any written statement, representation and/or document given to Us to support the said application.| The interim Accidental Death cover "Interim Cover" applies only if the Life Assured is less than Age 60 on the date of Application and comply with the duty of disclosure as set out in the Application Form. | | :--- | | The Interim Cover Benefit per life by Us under the Interim Cover is: | | - the proposed Sum Assured for Death Benefit, or | | - SGD 500,000 (or its equivalent in other currencies), | | whichever is lower, less the Premiums which would have been required to be paid for the first policy year. | | Upon receiving the Application and all the required supporting documents and information, We reserve the right to revoke the Interim Cover by informing the Life Assured immediately if We determine that there is more than the standard life risk to cover. | | When the Interim Accidental Death Benefit Ends | | This benefit ends: | | - on the Policy Issue Date, | | - 90 days from the date of Application signed, | | - 30 days from the date the Application is accepted by Us on substandard terms, unless the Assured accepts the terms, | | - on the date the Application is withdrawn, | | - on the date the Application is rejected or postponed by Us, or | | - if the proposed Life Assured dies due to an Accident (or in the case of a joint-lives proposal, if the $1^{\text {st }}$ of the 2 proposed Lives Assured were to die due to an Accident), | | whichever is the earliest. | | "Accident" means an event caused solely and independently of all other causes and directly by violent, unexpected, external and visible means. | | "Accidental Death" means death caused by Accident. | | "Application" means the application form signed and submitted by the person(s) named in the application to purchase the Policy from Us, including any written statement, representation and/or document given to Us to support the said application. |

在本保单下,如果死亡是直接或间接、全部或部分由于以下原因造成或引起的,我们将不支付临时意外死亡福利:- 自杀、企图自杀或其他故意自残伤害,无论是精神正常还是精神失常,积极参与战争(无论是否宣战)、内战、战争行为和/或恐怖活动,因使用核武器、生物武器和/或化学武器而导致的或与之相关的任何战争(无论是否宣战)、内战、战争行为和/或恐怖活动,任何海军、陆军、空军、军事或警务职责(包括国民服务和后备役),参与任何空中活动,如跳伞和高空跳伞,除步行外的任何类型的比赛,登山或水下活动,- 乘坐任何类型的飞机,除非作为付费乘客或国际航空公司定期航班的机组成员,任何违法或企图违法行为,或对合法逮捕或监禁的抵抗,酒精或药物的影响,除非是在注册医生的指导下使用或服用 医疗从业者,任何非因事故造成的医疗状况或伤害,或因自愿或非自愿消费毒药或任何可能致命的物质。
We do not pay the Interim Accidental Death Benefit under this Policy if death is directly or indirectly, wholly or partly caused by or arising from or contributed to by: - suicide, attempted suicide or other intentional self-inflicted injury, while sane or insane, active participation in war (declared or undeclared), civil war, war-like actions and/or acts of terrorism, resulting from or in connection with the use of nuclear, biological and/or chemical weapons in any act of war (declared or undeclared), civil war, war-like actions and/or acts of terrorism, any navy, army, air force, military or police duties (includes National Service and Reservist), participation in any aerial activity such as parachuting and sky-diving, racing of any kind other than on foot, mountaineering or underwater activity, - travel on any type of aircraft except as a farepaying passenger or a crew member of an international airline operating on a regularlyscheduled passenger flight of a licensed commercial aircraft, any violation or attempted violation of law, or resistance to lawful arrest or imprisonment, the influence of alcohol or drugs unless administered or taken at the direction of a Registered Medical Practitioner, any medical condition or injury not caused by an Accident, or consumption of poison or any substance which may be fatal if consumed, whether voluntary or involuntary.| We do not pay the Interim Accidental Death Benefit under this Policy if death is directly or indirectly, wholly or partly caused by or arising from or contributed to by: | | :--- | | - suicide, attempted suicide or other intentional self-inflicted injury, while sane or insane, | | active participation in war (declared or undeclared), civil war, war-like actions and/or acts of terrorism, | | resulting from or in connection with the use of nuclear, biological and/or chemical weapons in any act of war (declared or undeclared), civil war, war-like actions and/or acts of terrorism, any navy, army, air force, military or police duties (includes National Service and Reservist), | | participation in any aerial activity such as parachuting and sky-diving, racing of any kind other than on foot, mountaineering or underwater activity, | | - travel on any type of aircraft except as a farepaying passenger or a crew member of an international airline operating on a regularlyscheduled passenger flight of a licensed commercial aircraft, | | any violation or attempted violation of law, or resistance to lawful arrest or imprisonment, the influence of alcohol or drugs unless administered or taken at the direction of a Registered Medical Practitioner, | | any medical condition or injury not caused by an Accident, or | | consumption of poison or any substance which may be fatal if consumed, whether voluntary or involuntary. |
What We Pay What We Do Not Pay "The interim Accidental Death cover "Interim Cover" applies only if the Life Assured is less than Age 60 on the date of Application and comply with the duty of disclosure as set out in the Application Form. The Interim Cover Benefit per life by Us under the Interim Cover is: - the proposed Sum Assured for Death Benefit, or - SGD 500,000 (or its equivalent in other currencies), whichever is lower, less the Premiums which would have been required to be paid for the first policy year. Upon receiving the Application and all the required supporting documents and information, We reserve the right to revoke the Interim Cover by informing the Life Assured immediately if We determine that there is more than the standard life risk to cover. When the Interim Accidental Death Benefit Ends This benefit ends: - on the Policy Issue Date, - 90 days from the date of Application signed, - 30 days from the date the Application is accepted by Us on substandard terms, unless the Assured accepts the terms, - on the date the Application is withdrawn, - on the date the Application is rejected or postponed by Us, or - if the proposed Life Assured dies due to an Accident (or in the case of a joint-lives proposal, if the 1^("st ") of the 2 proposed Lives Assured were to die due to an Accident), whichever is the earliest. "Accident" means an event caused solely and independently of all other causes and directly by violent, unexpected, external and visible means. "Accidental Death" means death caused by Accident. "Application" means the application form signed and submitted by the person(s) named in the application to purchase the Policy from Us, including any written statement, representation and/or document given to Us to support the said application." "We do not pay the Interim Accidental Death Benefit under this Policy if death is directly or indirectly, wholly or partly caused by or arising from or contributed to by: - suicide, attempted suicide or other intentional self-inflicted injury, while sane or insane, active participation in war (declared or undeclared), civil war, war-like actions and/or acts of terrorism, resulting from or in connection with the use of nuclear, biological and/or chemical weapons in any act of war (declared or undeclared), civil war, war-like actions and/or acts of terrorism, any navy, army, air force, military or police duties (includes National Service and Reservist), participation in any aerial activity such as parachuting and sky-diving, racing of any kind other than on foot, mountaineering or underwater activity, - travel on any type of aircraft except as a farepaying passenger or a crew member of an international airline operating on a regularlyscheduled passenger flight of a licensed commercial aircraft, any violation or attempted violation of law, or resistance to lawful arrest or imprisonment, the influence of alcohol or drugs unless administered or taken at the direction of a Registered Medical Practitioner, any medical condition or injury not caused by an Accident, or consumption of poison or any substance which may be fatal if consumed, whether voluntary or involuntary."| What We Pay | What We Do Not Pay | | :---: | :---: | | The interim Accidental Death cover "Interim Cover" applies only if the Life Assured is less than Age 60 on the date of Application and comply with the duty of disclosure as set out in the Application Form. <br> The Interim Cover Benefit per life by Us under the Interim Cover is: <br> - the proposed Sum Assured for Death Benefit, or <br> - SGD 500,000 (or its equivalent in other currencies), <br> whichever is lower, less the Premiums which would have been required to be paid for the first policy year. <br> Upon receiving the Application and all the required supporting documents and information, We reserve the right to revoke the Interim Cover by informing the Life Assured immediately if We determine that there is more than the standard life risk to cover. <br> When the Interim Accidental Death Benefit Ends <br> This benefit ends: <br> - on the Policy Issue Date, <br> - 90 days from the date of Application signed, <br> - 30 days from the date the Application is accepted by Us on substandard terms, unless the Assured accepts the terms, <br> - on the date the Application is withdrawn, <br> - on the date the Application is rejected or postponed by Us, or <br> - if the proposed Life Assured dies due to an Accident (or in the case of a joint-lives proposal, if the $1^{\text {st }}$ of the 2 proposed Lives Assured were to die due to an Accident), <br> whichever is the earliest. <br> "Accident" means an event caused solely and independently of all other causes and directly by violent, unexpected, external and visible means. <br> "Accidental Death" means death caused by Accident. <br> "Application" means the application form signed and submitted by the person(s) named in the application to purchase the Policy from Us, including any written statement, representation and/or document given to Us to support the said application. | We do not pay the Interim Accidental Death Benefit under this Policy if death is directly or indirectly, wholly or partly caused by or arising from or contributed to by: <br> - suicide, attempted suicide or other intentional self-inflicted injury, while sane or insane, <br> active participation in war (declared or undeclared), civil war, war-like actions and/or acts of terrorism, <br> resulting from or in connection with the use of nuclear, biological and/or chemical weapons in any act of war (declared or undeclared), civil war, war-like actions and/or acts of terrorism, any navy, army, air force, military or police duties (includes National Service and Reservist), <br> participation in any aerial activity such as parachuting and sky-diving, racing of any kind other than on foot, mountaineering or underwater activity, <br> - travel on any type of aircraft except as a farepaying passenger or a crew member of an international airline operating on a regularlyscheduled passenger flight of a licensed commercial aircraft, <br> any violation or attempted violation of law, or resistance to lawful arrest or imprisonment, the influence of alcohol or drugs unless administered or taken at the direction of a Registered Medical Practitioner, <br> any medical condition or injury not caused by an Accident, or <br> consumption of poison or any substance which may be fatal if consumed, whether voluntary or involuntary. |

2.2. 身故保险金

我们支付的费用
我们不支付的费用

如果被保险人去世,我们将支付保险金额

我们不支付身故保险金,如果被保险人

一次性保证。

自杀,如第 4 节所述。

如果我们在之前支付了部分保险金额

索赔时,仅支付剩余的保额。

本保单在我们全额支付死亡赔偿金(包括提前支付死亡赔偿金)后终止。
The Policy ends once We pay the Death Benefit (including early payout of the Death Benefit) in full.| The Policy ends once We pay the Death Benefit | | :--- | | (including early payout of the Death Benefit) in full. |
What We Pay What We Do Not Pay If the Life Assured dies, We will pay the Sum We do not pay the Death Benefit if the Life Assured Assured in one lump sum. commits suicide as stated in Section 4. If We have paid part of the Sum Assured in an earlier claim, only the remaining Sum Assured is payable. "The Policy ends once We pay the Death Benefit (including early payout of the Death Benefit) in full." | What We Pay | What We Do Not Pay | | :--- | :--- | | If the Life Assured dies, We will pay the Sum | We do not pay the Death Benefit if the Life Assured | | Assured in one lump sum. | commits suicide as stated in Section 4. | | If We have paid part of the Sum Assured in an earlier | | | claim, only the remaining Sum Assured is payable. | | | The Policy ends once We pay the Death Benefit <br> (including early payout of the Death Benefit) in full. | |


2.3. 终端 III 益处 (TI 益处)

我们支付的费用
我们不支付的费用

如果被保险人被诊断为末期疾病,我们将一次性支付末期疾病赔付金,作为死亡赔付金的提前支付。
If the Life Assured is diagnosed with Terminal Illness, We will pay the TI Benefit in one lump sum, as an early payout of the Death Benefit.| If the Life Assured is diagnosed with Terminal | | :--- | | Illness, We will pay the TI Benefit in one lump sum, | | as an early payout of the Death Benefit. |

我们不支付因人类免疫缺陷病毒(HIV)感染而导致的终末期疾病的 TI 福利。
We do not pay the TI Benefit for Terminal Illness in the presence of Human Immunodeficiency Virus (HIV) infection.| We do not pay the TI Benefit for Terminal Illness in | | :--- | | the presence of Human Immunodeficiency Virus | | (HIV) infection. |

“终末期疾病”是指确诊为

一种预计会导致死亡的疾病

被保险人在 12 个月内。

此诊断必须由专家支持,并由我们指定的注册医疗从业者确认。
This diagnosis must be supported by a specialist and confirmed by Our appointed Registered Medical Practitioner.| This diagnosis must be supported by a specialist | | :--- | | and confirmed by Our appointed Registered Medical | | Practitioner. |
What We Pay What We Do Not Pay "If the Life Assured is diagnosed with Terminal Illness, We will pay the TI Benefit in one lump sum, as an early payout of the Death Benefit." "We do not pay the TI Benefit for Terminal Illness in the presence of Human Immunodeficiency Virus (HIV) infection." "Terminal Illness" means the conclusive diagnosis of an illness that is expected to result in the death of the Life Assured within 12 months. "This diagnosis must be supported by a specialist and confirmed by Our appointed Registered Medical Practitioner." | What We Pay | What We Do Not Pay | | :--- | :--- | | If the Life Assured is diagnosed with Terminal <br> Illness, We will pay the TI Benefit in one lump sum, <br> as an early payout of the Death Benefit. | We do not pay the TI Benefit for Terminal Illness in <br> the presence of Human Immunodeficiency Virus <br> (HIV) infection. | | "Terminal Illness" means the conclusive diagnosis of | | | an illness that is expected to result in the death of | | | the Life Assured within 12 months. | | | This diagnosis must be supported by a specialist <br> and confirmed by Our appointed Registered Medical <br> Practitioner. | |


2.4. 保证可再生选项


(仅适用于 5 年和 10 年的保单期限)
它是什么?

此选项允许您在福利终止日期后自动续保此基本保障,续保期限与现有保单期限相同,无需进一步提供可保性证明。
This option allows You to renew this Basic Cover automatically from the Benefit Cessation Date for the same duration of the existing policy term, without further proof of insurability.| This option allows You to renew this Basic Cover automatically from the Benefit Cessation | | :--- | | Date for the same duration of the existing policy term, without further proof of insurability. |

条件是什么?
What are the conditions?| What are | | :--- | | the | | conditions? |

您必须满足以下所有条件:在福利终止日期,保单有效,- 在保单生效日期选择的保单期限为 5 年或 10 年,受保人续保时年龄为 89 岁或更年轻(如果保单为联合人寿保单,则续保的年龄限制必须基于 2 位受保人中年纪较大的那位),受保人在福利终止日期的保险金额与保单相同或更少,并且我们尚未承认根据本保单提出的任何索赔。
You must meet all of the following conditions: the Policy is in force on the Benefit Cessation Date, - the chosen policy term at Policy Effective Date is 5 years or 10 years, the Life Assured is at Age 89 or younger upon renewal of the Policy (if the Policy is a joint life policy, the age limit for renewal must be based on the older Age of the 2 Lives Assured), the Life Assured is insured for the same Sum Assured or less on the Benefit Cessation Date, and We have not admitted any claim under this Policy.| You must meet all of the following conditions: | | :--- | | the Policy is in force on the Benefit Cessation Date, | | - | | the chosen policy term at Policy Effective Date is 5 years or 10 years, | | the Life Assured is at Age 89 or younger upon renewal of the Policy (if the Policy is a | | joint life policy, the age limit for renewal must be based on the older Age of the 2 Lives | | Assured), | | the Life Assured is insured for the same Sum Assured or less on the Benefit | | Cessation Date, and | | We have not admitted any claim under this Policy. |

您必须注意什么?
What must You take note of?| What must | | :--- | | You take | | note of? |

本保单续期时将继续适用保单生效时的相同接受条款。续期保单应支付的保费将根据被保险人在续期时的年龄计算,使用续期时的现行保费率。续期保费应以生效时选择的相同合同货币支付。如果您不想续保此基本保障,您必须在下次续保日期前 30 天内以书面形式通知我们您的意图。如果行使了保证续保选项,第 10 节中所述的自由观察期不适用于续期保单。
The same terms of acceptance as at the inception of this Policy will continue to apply for each renewed term. Premiums payable for the renewed Policy will be calculated based on the Life Assured's Age at date of renewal, using prevailing premium rates at the time of renewal. The renewal premiums shall be payable in the same contract currency chosen at inception. If You do not want to renew this Basic Cover, You must give Us written notice of Your intention within 30 days before the date of next renewal. The Free Look stated in Section 10 does not apply to the renewed Policy if the Guaranteed Renewable Option is exercised.| The same terms of acceptance as at the inception of this Policy will continue to apply for | | :--- | | each renewed term. | | Premiums payable for the renewed Policy will be calculated based on the Life Assured's | | Age at date of renewal, using prevailing premium rates at the time of renewal. The renewal | | premiums shall be payable in the same contract currency chosen at inception. | | If You do not want to renew this Basic Cover, You must give Us written notice of Your | | intention within 30 days before the date of next renewal. | | The Free Look stated in Section 10 does not apply to the renewed Policy if the Guaranteed | | Renewable Option is exercised. |
What is it? "This option allows You to renew this Basic Cover automatically from the Benefit Cessation Date for the same duration of the existing policy term, without further proof of insurability." "What are the conditions?" "You must meet all of the following conditions: the Policy is in force on the Benefit Cessation Date, - the chosen policy term at Policy Effective Date is 5 years or 10 years, the Life Assured is at Age 89 or younger upon renewal of the Policy (if the Policy is a joint life policy, the age limit for renewal must be based on the older Age of the 2 Lives Assured), the Life Assured is insured for the same Sum Assured or less on the Benefit Cessation Date, and We have not admitted any claim under this Policy." "What must You take note of?" "The same terms of acceptance as at the inception of this Policy will continue to apply for each renewed term. Premiums payable for the renewed Policy will be calculated based on the Life Assured's Age at date of renewal, using prevailing premium rates at the time of renewal. The renewal premiums shall be payable in the same contract currency chosen at inception. If You do not want to renew this Basic Cover, You must give Us written notice of Your intention within 30 days before the date of next renewal. The Free Look stated in Section 10 does not apply to the renewed Policy if the Guaranteed Renewable Option is exercised."| What is it? | This option allows You to renew this Basic Cover automatically from the Benefit Cessation <br> Date for the same duration of the existing policy term, without further proof of insurability. | | :--- | :--- | | What are <br> the <br> conditions? | You must meet all of the following conditions: <br> the Policy is in force on the Benefit Cessation Date, <br> - <br> the chosen policy term at Policy Effective Date is 5 years or 10 years, <br> the Life Assured is at Age 89 or younger upon renewal of the Policy (if the Policy is a <br> joint life policy, the age limit for renewal must be based on the older Age of the 2 Lives <br> Assured), <br> the Life Assured is insured for the same Sum Assured or less on the Benefit <br> Cessation Date, and <br> We have not admitted any claim under this Policy. | | What must <br> You take <br> note of? | The same terms of acceptance as at the inception of this Policy will continue to apply for <br> each renewed term. <br> Premiums payable for the renewed Policy will be calculated based on the Life Assured's <br> Age at date of renewal, using prevailing premium rates at the time of renewal. The renewal <br> premiums shall be payable in the same contract currency chosen at inception. <br> If You do not want to renew this Basic Cover, You must give Us written notice of Your <br> intention within 30 days before the date of next renewal. <br> The Free Look stated in Section 10 does not apply to the renewed Policy if the Guaranteed <br> Renewable Option is exercised. |


2.5. 生命阶段事件的保证发行选项

它是什么?

此选项允许您在保费支付期间增加此基本利益的保险金额,而无需提供可保性证明,如果发生以下任何生活阶段事件:- 被保险人更改婚姻状态(例如,结婚或离婚) - 被保险人通过生育新生儿或合法收养孩子成为父母 - 被保险人购买房产 - 被保险人或被保险人的孩子入读小学、中学或高等教育 - 被保险人在高等教育毕业后一年内进入全职工作 - 被保险人年满 21 岁。
This option allows You to increase the Sum Assured of this Basic Benefit during premium payment period, without proof of insurability if any of the following Life Stage Events happen: - the Life Assured changes marital status (for e.g., marries or divorces) - the Life Assured becomes a parent by having a newborn child or legally adopts a child - the Life Assured purchases a property - the Life Assured or Life Assured's child enrols into primary, secondary or tertiary education - the Life Assured entered full-time employment within one year from tertiary graduation - the Life Assured turns 21 years old.| This option allows You to increase the Sum Assured of this Basic Benefit during premium payment period, without proof of insurability if any of the following Life Stage Events happen: | | :--- | | - the Life Assured changes marital status (for e.g., marries or divorces) | | - the Life Assured becomes a parent by having a newborn child or legally adopts a child | | - the Life Assured purchases a property | | - the Life Assured or Life Assured's child enrols into primary, secondary or tertiary education | | - the Life Assured entered full-time employment within one year from tertiary graduation | | - the Life Assured turns 21 years old. |

条件是什么?

您必须满足以下所有条件:您未根据本保单提交索赔,我们未承认根据本保单的索赔,您只能在被保险人终身内行使此选项最多 2 次,无论您可能拥有多少份提供类似选项的保单,您必须提供令人满意的证明,证明被保险人同意增加保险金额(如果保单为第三方保单,则适用),您必须在生活阶段事件发生后的 90 个日历天内提交申请,并在缴费期间内,您可以行使此选项之前没有等待期,本保单必须完全承保并以标准条款接受,没有任何次标准保费附加、排除或反要约,生活阶段事件必须发生在:被保险人年满 50 岁后紧接着的保单周年之前,或者如果保单为共同寿命保单,则在年长的被保险人年满 50 岁后紧接着的保单周年之前,并且根据此选项可以增加的总保险金额,无论行使多少次,均不得超过: 50 % 50 % 50%50 \% 在保单生效日期同意的基本保障保险金额,或每人最高限额 SGD 500,000(或其在其他货币中的等值)*,以较低者为准,并且增加后的总保险金额(包括我们为同一被保险人承保的所有其他保单)不得超过当前允许的每人死亡和末期疾病保障的最高保险金额限制。* 此最高限额适用于您可能拥有的所有覆盖同一被保险人的保单,无论数量如何,这些保单提供类似选项。 如果该保单是联合人寿保单,则此最高限额适用于两个人的总和。
You must meet all of the following conditions: You have not submitted a claim under this Policy, We have not admitted a claim under this Policy, You can only exercise this option up to 2 times during the lifetime of the Life Assured regardless of the number of policies You may have which offers such similar option, You must provide satisfactory proof that the Assured agrees to the increase in the Sum Assured (applies if the Policy is a third party policy), You must submit the application within 90 calendar days after the Life Stage Event has occurred and within the premium paying period, there is no waiting period before You can exercise this option, this Policy must be fully underwritten and accepted at standard terms without any sub-standard premium loadings, exclusions or counter offers, the Life Stage Event must occur: before the Policy Anniversary immediately after the Life Assured turns Age 50, or if the Policy is a joint life policy, before the Policy Anniversary immediately after the older Life Assured turns Age 50, and the total Sum Assured that can be increased under this option no matter how many times it has been exercised, must not be more than: 50% of the Basic Cover's Sum Assured agreed at Policy Effective Date, or maximum limit of SGD 500,000 per life (or its equivalent in other currencies)*, whichever is lower, and the total Sum Assured after the increase (including all other policies with Us covering the same Life Assured) must not exceed the prevailing maximum sum assured per life limit allowed for Death and Terminal Illness coverage. * This maximum limit applies regardless of the number of policies You may have covering the same Life Assured which offers such similar option. If the Policy is a joint life policy, this maximum limit applies in total for both lives.| You must meet all of the following conditions: | | :--- | | You have not submitted a claim under this Policy, | | We have not admitted a claim under this Policy, | | You can only exercise this option up to 2 times during the lifetime of the Life Assured regardless of the number of policies You may have which offers such similar option, You must provide satisfactory proof that the Assured agrees to the increase in the Sum Assured (applies if the Policy is a third party policy), | | You must submit the application within 90 calendar days after the Life Stage Event has occurred and within the premium paying period, | | there is no waiting period before You can exercise this option, | | this Policy must be fully underwritten and accepted at standard terms without any sub-standard premium loadings, exclusions or counter offers, the Life Stage Event must occur: | | before the Policy Anniversary immediately after the Life Assured turns Age 50, or | | if the Policy is a joint life policy, before the Policy Anniversary immediately after the older Life Assured turns Age 50, and | | the total Sum Assured that can be increased under this option no matter how many times it has been exercised, must not be more than: | | $50 \%$ of the Basic Cover's Sum Assured agreed at Policy Effective Date, or maximum limit of SGD 500,000 per life (or its equivalent in other currencies)*, whichever is lower, and the total Sum Assured after the increase (including all other policies with Us covering the same Life Assured) must not exceed the prevailing maximum sum assured per life limit allowed for Death and Terminal Illness coverage. | | * This maximum limit applies regardless of the number of policies You may have covering the same Life Assured which offers such similar option. If the Policy is a joint life policy, this maximum limit applies in total for both lives. |

您必须注意什么?

在此选项下,保额的增加将在我们批准您行使此选项的申请后的下一个保单周年日生效。保单剩余期限内增加部分保额的应付保费将根据下一个保单周年日时被保险人的年龄计算。如果索赔的死亡、诊断或残疾(如适用)发生在请求增加保额之前,我们保留取消保额增加的权利。
The increase in the Sum Assured under this option will take effect on the next Policy Anniversary immediately after We approve Your application to exercise this option. Premium payable for the increased portion of the Sum Assured for the remaining term of the Policy will be calculated based on the Life Assured's Age at next Policy Anniversary. We reserve the right to void the increase in Sum Assured if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request of the increase in Sum Assured.| The increase in the Sum Assured under this option will take effect on the next Policy Anniversary immediately after We approve Your application to exercise this option. | | :--- | | Premium payable for the increased portion of the Sum Assured for the remaining term of the Policy will be calculated based on the Life Assured's Age at next Policy Anniversary. | | We reserve the right to void the increase in Sum Assured if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request of the increase in Sum Assured. |
What is it? "This option allows You to increase the Sum Assured of this Basic Benefit during premium payment period, without proof of insurability if any of the following Life Stage Events happen: - the Life Assured changes marital status (for e.g., marries or divorces) - the Life Assured becomes a parent by having a newborn child or legally adopts a child - the Life Assured purchases a property - the Life Assured or Life Assured's child enrols into primary, secondary or tertiary education - the Life Assured entered full-time employment within one year from tertiary graduation - the Life Assured turns 21 years old." What are the conditions? "You must meet all of the following conditions: You have not submitted a claim under this Policy, We have not admitted a claim under this Policy, You can only exercise this option up to 2 times during the lifetime of the Life Assured regardless of the number of policies You may have which offers such similar option, You must provide satisfactory proof that the Assured agrees to the increase in the Sum Assured (applies if the Policy is a third party policy), You must submit the application within 90 calendar days after the Life Stage Event has occurred and within the premium paying period, there is no waiting period before You can exercise this option, this Policy must be fully underwritten and accepted at standard terms without any sub-standard premium loadings, exclusions or counter offers, the Life Stage Event must occur: before the Policy Anniversary immediately after the Life Assured turns Age 50, or if the Policy is a joint life policy, before the Policy Anniversary immediately after the older Life Assured turns Age 50, and the total Sum Assured that can be increased under this option no matter how many times it has been exercised, must not be more than: 50% of the Basic Cover's Sum Assured agreed at Policy Effective Date, or maximum limit of SGD 500,000 per life (or its equivalent in other currencies)*, whichever is lower, and the total Sum Assured after the increase (including all other policies with Us covering the same Life Assured) must not exceed the prevailing maximum sum assured per life limit allowed for Death and Terminal Illness coverage. * This maximum limit applies regardless of the number of policies You may have covering the same Life Assured which offers such similar option. If the Policy is a joint life policy, this maximum limit applies in total for both lives." What must You take note of? "The increase in the Sum Assured under this option will take effect on the next Policy Anniversary immediately after We approve Your application to exercise this option. Premium payable for the increased portion of the Sum Assured for the remaining term of the Policy will be calculated based on the Life Assured's Age at next Policy Anniversary. We reserve the right to void the increase in Sum Assured if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request of the increase in Sum Assured."| What is it? | This option allows You to increase the Sum Assured of this Basic Benefit during premium payment period, without proof of insurability if any of the following Life Stage Events happen: <br> - the Life Assured changes marital status (for e.g., marries or divorces) <br> - the Life Assured becomes a parent by having a newborn child or legally adopts a child <br> - the Life Assured purchases a property <br> - the Life Assured or Life Assured's child enrols into primary, secondary or tertiary education <br> - the Life Assured entered full-time employment within one year from tertiary graduation <br> - the Life Assured turns 21 years old. | | :---: | :---: | | What are the conditions? | You must meet all of the following conditions: <br> You have not submitted a claim under this Policy, <br> We have not admitted a claim under this Policy, <br> You can only exercise this option up to 2 times during the lifetime of the Life Assured regardless of the number of policies You may have which offers such similar option, You must provide satisfactory proof that the Assured agrees to the increase in the Sum Assured (applies if the Policy is a third party policy), <br> You must submit the application within 90 calendar days after the Life Stage Event has occurred and within the premium paying period, <br> there is no waiting period before You can exercise this option, <br> this Policy must be fully underwritten and accepted at standard terms without any sub-standard premium loadings, exclusions or counter offers, the Life Stage Event must occur: <br> before the Policy Anniversary immediately after the Life Assured turns Age 50, or <br> if the Policy is a joint life policy, before the Policy Anniversary immediately after the older Life Assured turns Age 50, and <br> the total Sum Assured that can be increased under this option no matter how many times it has been exercised, must not be more than: <br> $50 \%$ of the Basic Cover's Sum Assured agreed at Policy Effective Date, or maximum limit of SGD 500,000 per life (or its equivalent in other currencies)*, whichever is lower, and the total Sum Assured after the increase (including all other policies with Us covering the same Life Assured) must not exceed the prevailing maximum sum assured per life limit allowed for Death and Terminal Illness coverage. <br> * This maximum limit applies regardless of the number of policies You may have covering the same Life Assured which offers such similar option. If the Policy is a joint life policy, this maximum limit applies in total for both lives. | | What must You take note of? | The increase in the Sum Assured under this option will take effect on the next Policy Anniversary immediately after We approve Your application to exercise this option. <br> Premium payable for the increased portion of the Sum Assured for the remaining term of the Policy will be calculated based on the Life Assured's Age at next Policy Anniversary. <br> We reserve the right to void the increase in Sum Assured if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request of the increase in Sum Assured. |


2.6. 保证可转换选项(适用于所有保单条款)

它是什么?

此选项允许您将原保单转换为在转换时可用的新年金或终身寿险保单,无需提供可保性证明。如果您选择完全转换此保单:- 我们将把保额转换为新保单的保额,受您申请时新保单允许的最低和最高保额的限制,并且 - 新保单下的身故赔偿金不得超过您在行使此选项之前原保单下的身故赔偿金。如果您选择部分转换此保单:- 我们将根据转换的金额减少基本利益的保额,受保单最低保额的限制,- 我们将把减少的保额部分转换为新保单的保额,受您申请时新保单允许的最低和最高保额的限制,并且 - 新保单下的身故赔偿金不得超过转换的保额金额。
This option allows You to convert the original Policy to a new endowment or whole life policy available at the point of conversion, without proof of insurability. If You exercise this option to fully convert this Policy: - We will convert the Sum Assured to the sum assured of the new policy, subject to the minimum and maximum sums assured allowed for the new policy at the time of Your application, and - the Death Benefit payable under the new policy must not be more than the Death Benefit payable under the original Policy before You exercise this option. If You exercise this option to partially convert this Policy: - We will reduce the Sum Assured of the Basic Benefits by the amount converted, subject to the minimum Sum Assured of the Policy, - We will convert the part of Sum Assured reduced to the sum assured of the new policy subject to the minimum and maximum sums assured allowed for the new policy at the time of Your application, and - the Death Benefit payable under the new policy must not be more than the amount of Sum Assured converted.| This option allows You to convert the original Policy to a new endowment or whole life policy available at the point of conversion, without proof of insurability. | | :--- | | If You exercise this option to fully convert this Policy: | | - We will convert the Sum Assured to the sum assured of the new policy, subject to the minimum and maximum sums assured allowed for the new policy at the time of Your application, and | | - the Death Benefit payable under the new policy must not be more than the Death Benefit payable under the original Policy before You exercise this option. | | If You exercise this option to partially convert this Policy: | | - We will reduce the Sum Assured of the Basic Benefits by the amount converted, subject to the minimum Sum Assured of the Policy, | | - We will convert the part of Sum Assured reduced to the sum assured of the new policy subject to the minimum and maximum sums assured allowed for the new policy at the time of Your application, and | | - the Death Benefit payable under the new policy must not be more than the amount of Sum Assured converted. |

条件是什么?

您必须满足以下所有条件:- 您未根据本保单提交索赔,- 我们未承认根据本保单的索赔,- 在行使此选项时保单有效,- 在行使此选项时,被保险人年龄为 65 岁或以下(如果保单为联名保单,则转换的年龄限制必须基于 2 位被保险人中年长者的年龄),并且 - 新保单的被保险人必须与原保单的被保险人相同。
You must meet all of the following conditions: - You have not submitted a claim under this Policy, - We have not admitted a claim under this Policy, - the Policy is in force when this option is exercised, - the Life Assured is Age 65 or younger when this option is exercised (if the Policy is a joint life policy, the age limit for conversion must be based on the older Age of the 2 Lives Assured), and - the Life Assured of the new policy must be the same as the original Policy.| You must meet all of the following conditions: | | :--- | | - You have not submitted a claim under this Policy, | | - We have not admitted a claim under this Policy, | | - the Policy is in force when this option is exercised, | | - the Life Assured is Age 65 or younger when this option is exercised (if the Policy is a joint life policy, the age limit for conversion must be based on the older Age of the 2 Lives Assured), and | | - the Life Assured of the new policy must be the same as the original Policy. |

您必须注意什么?

部分转换可能会减少剩余保费支付期限内应支付的保费,且原保单的所有未来利益也将减少。您必须继续按照保单生效日期适用的保费率支付剩余的保额保费,以保持在部分转换后该保单的有效性。新保单的应付保费将基于保单转换时被保险人的年龄和现行保费率。完全或部分转换仅在下一个保费到期日生效。如果该保单为联名保单,则新保单必须承保相同的被保险人。如果没有联名产品可用,两个被保险人可以选择分别投保新的保单。每个被保险人的新保单的保额将是转换保额的一半。与本保单生效时相同的接受条款将继续适用于新保单。此选项只能行使一次,无论是完全还是部分转换。一旦转换生效,转换此保单的行为无法撤回。 我们保留在请求将原保单转换为新的年金或终身寿险之前,如果索赔的死亡、诊断或残疾(如适用)发生在请求转换原保单之前的权利。第 10 节中所述的免费审视适用于行使保证转换选项的新年金或终身寿险。
A partial conversion may reduce the premium payable over the remaining premium payment term and all future benefits of the original Policy will also be reduced. You must continue to pay the Premium for the remaining Sum Assured based on the Premium rate applicable at the Policy Effective Date to keep this Policy in force after partial conversion. Premiums payable for the new policy will be based on the Life Assured's Age at the date when the Policy is converted and the prevailing premium rates. Full or partial conversion can only be effective at the next premium payment due date. If the Policy is a joint life policy, the new policy must insure the same Lives Assured. If a joint life product is not available, both Lives Assured can choose to take up separate new policies. The amount of Sum Assured of the new policy for each Life Assured will be half of the amount of Sum Assured converted. The same terms of acceptance as at the inception of this Policy will continue to apply to the new policy. This option can only be exercised once, be it a full or partial conversion. The action to convert this Policy cannot be reverted once conversion is effective. We reserve the right to void the request to convert the original Policy to a new endowment or whole life policy if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request to convert the original Policy to a new endowment or whole life policy. The Free Look stated in Section 10 applies to the new endowment or whole life policy if the Guaranteed Convertibility Option is exercised.| A partial conversion may reduce the premium payable over the remaining premium payment term and all future benefits of the original Policy will also be reduced. You must continue to pay the Premium for the remaining Sum Assured based on the Premium rate applicable at the Policy Effective Date to keep this Policy in force after partial conversion. | | :--- | | Premiums payable for the new policy will be based on the Life Assured's Age at the date when the Policy is converted and the prevailing premium rates. | | Full or partial conversion can only be effective at the next premium payment due date. | | If the Policy is a joint life policy, the new policy must insure the same Lives Assured. If a joint life product is not available, both Lives Assured can choose to take up separate new policies. The amount of Sum Assured of the new policy for each Life Assured will be half of the amount of Sum Assured converted. | | The same terms of acceptance as at the inception of this Policy will continue to apply to the new policy. | | This option can only be exercised once, be it a full or partial conversion. The action to convert this Policy cannot be reverted once conversion is effective. | | We reserve the right to void the request to convert the original Policy to a new endowment or whole life policy if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request to convert the original Policy to a new endowment or whole life policy. | | The Free Look stated in Section 10 applies to the new endowment or whole life policy if the Guaranteed Convertibility Option is exercised. |
What is it? "This option allows You to convert the original Policy to a new endowment or whole life policy available at the point of conversion, without proof of insurability. If You exercise this option to fully convert this Policy: - We will convert the Sum Assured to the sum assured of the new policy, subject to the minimum and maximum sums assured allowed for the new policy at the time of Your application, and - the Death Benefit payable under the new policy must not be more than the Death Benefit payable under the original Policy before You exercise this option. If You exercise this option to partially convert this Policy: - We will reduce the Sum Assured of the Basic Benefits by the amount converted, subject to the minimum Sum Assured of the Policy, - We will convert the part of Sum Assured reduced to the sum assured of the new policy subject to the minimum and maximum sums assured allowed for the new policy at the time of Your application, and - the Death Benefit payable under the new policy must not be more than the amount of Sum Assured converted." What are the conditions? "You must meet all of the following conditions: - You have not submitted a claim under this Policy, - We have not admitted a claim under this Policy, - the Policy is in force when this option is exercised, - the Life Assured is Age 65 or younger when this option is exercised (if the Policy is a joint life policy, the age limit for conversion must be based on the older Age of the 2 Lives Assured), and - the Life Assured of the new policy must be the same as the original Policy." What must You take note of? "A partial conversion may reduce the premium payable over the remaining premium payment term and all future benefits of the original Policy will also be reduced. You must continue to pay the Premium for the remaining Sum Assured based on the Premium rate applicable at the Policy Effective Date to keep this Policy in force after partial conversion. Premiums payable for the new policy will be based on the Life Assured's Age at the date when the Policy is converted and the prevailing premium rates. Full or partial conversion can only be effective at the next premium payment due date. If the Policy is a joint life policy, the new policy must insure the same Lives Assured. If a joint life product is not available, both Lives Assured can choose to take up separate new policies. The amount of Sum Assured of the new policy for each Life Assured will be half of the amount of Sum Assured converted. The same terms of acceptance as at the inception of this Policy will continue to apply to the new policy. This option can only be exercised once, be it a full or partial conversion. The action to convert this Policy cannot be reverted once conversion is effective. We reserve the right to void the request to convert the original Policy to a new endowment or whole life policy if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request to convert the original Policy to a new endowment or whole life policy. The Free Look stated in Section 10 applies to the new endowment or whole life policy if the Guaranteed Convertibility Option is exercised."| What is it? | This option allows You to convert the original Policy to a new endowment or whole life policy available at the point of conversion, without proof of insurability. <br> If You exercise this option to fully convert this Policy: <br> - We will convert the Sum Assured to the sum assured of the new policy, subject to the minimum and maximum sums assured allowed for the new policy at the time of Your application, and <br> - the Death Benefit payable under the new policy must not be more than the Death Benefit payable under the original Policy before You exercise this option. <br> If You exercise this option to partially convert this Policy: <br> - We will reduce the Sum Assured of the Basic Benefits by the amount converted, subject to the minimum Sum Assured of the Policy, <br> - We will convert the part of Sum Assured reduced to the sum assured of the new policy subject to the minimum and maximum sums assured allowed for the new policy at the time of Your application, and <br> - the Death Benefit payable under the new policy must not be more than the amount of Sum Assured converted. | | :---: | :---: | | What are the conditions? | You must meet all of the following conditions: <br> - You have not submitted a claim under this Policy, <br> - We have not admitted a claim under this Policy, <br> - the Policy is in force when this option is exercised, <br> - the Life Assured is Age 65 or younger when this option is exercised (if the Policy is a joint life policy, the age limit for conversion must be based on the older Age of the 2 Lives Assured), and <br> - the Life Assured of the new policy must be the same as the original Policy. | | What must You take note of? | A partial conversion may reduce the premium payable over the remaining premium payment term and all future benefits of the original Policy will also be reduced. You must continue to pay the Premium for the remaining Sum Assured based on the Premium rate applicable at the Policy Effective Date to keep this Policy in force after partial conversion. <br> Premiums payable for the new policy will be based on the Life Assured's Age at the date when the Policy is converted and the prevailing premium rates. <br> Full or partial conversion can only be effective at the next premium payment due date. <br> If the Policy is a joint life policy, the new policy must insure the same Lives Assured. If a joint life product is not available, both Lives Assured can choose to take up separate new policies. The amount of Sum Assured of the new policy for each Life Assured will be half of the amount of Sum Assured converted. <br> The same terms of acceptance as at the inception of this Policy will continue to apply to the new policy. <br> This option can only be exercised once, be it a full or partial conversion. The action to convert this Policy cannot be reverted once conversion is effective. <br> We reserve the right to void the request to convert the original Policy to a new endowment or whole life policy if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request to convert the original Policy to a new endowment or whole life policy. <br> The Free Look stated in Section 10 applies to the new endowment or whole life policy if the Guaranteed Convertibility Option is exercised. |

3. 合同


本摘要为您提供该计划的概述。政策合同将提供该计划的完整条款和条件。

4. 自杀


如果被保险人在以下一年内自杀(无论是神志清醒还是精神失常):

  • 政策发行日期,或

  • 保单的最后恢复日期,


    无论哪个时间较晚,我们将在死亡日期的前一天立即作废您的保单。


    只要您未根据保单提出任何索赔,我们将退还已支付的保单保费,不计利息,并扣除任何欠款,来自:

  • 政策发行日期,或

  • 最后恢复日期,

    以较晚者为准。


5. 当政策结束时

政策结束:

  • 被保险人去世时,

  • 当我们全额支付死亡赔偿金或提前支付死亡赔偿金时,

  • 当本政策到期时,

  • 当宽限期到期时,如果保单的分期保费仍未支付,

  • 当我们接受您书面请求终止时,或者

  • 当发生任何其他导致保单终止的事件(如本保单中所述)时,


    无论哪个是最早的。


    在本保单结束之前,已支付的任何分期保费均不予退还。如果我们接受您书面请求终止本保单,则不会有任何按比例退还的保费,您的保单将从我们接受您书面请求终止本保单的日期之后的下一个保费到期日开始终止。

6. 联合寿命保障


如果该保单是联合人寿保单,身故保险金或重大疾病保险金仅在首位符合以下条件的被保险人身故时支付:
  • 死,或者

  • 被诊断为末期疾病,

    分别。

    补充福利(如适用)也仅会支付给首位被保险人:
  • 死,或者

  • 被诊断为重大疾病或完全和永久性残疾,

    无论适用哪种。

7. 共同所有权


被保险人是两个人:

  • 如果他们中的任何一方去世,他在保单中的所有权利、选择、所有权和权益将自动转移给幸存的被保险人,

  • 任何需要被保证人请求的交易可以由两个被保证人中的任何一个请求。


8. 通知和索赔证明


书面通知和索赔证明必须在索赔事件和/或被保险人去世后尽快合理地提供给我们。

索赔人必须通知我们并向我们在注册办公室提供以下文件:

  • 已完成的索赔表格,

  • 被保险人的出生日期证明,

  • 由注册医疗从业者出具的医疗报告和/或诊断。医疗报告和/或诊断必须满足以下条件:

  • 由临床、放射学、组织学和实验室证据支持,费用由索赔人承担,且
  • 对我们来说是可以接受的,

  • 死亡证明(用于死亡赔偿申请),

  • 证明索赔人有权根据保单获得付款,且

  • 我们认为必要的任何其他文件以支持该索赔。
  1. 索赔

根据本保单应支付的任何赔偿金将支付给您、您的法定代表人或其他授权方(视情况而定)。在我们收到全额保费之前,我们将不对任何已发生的索赔进行支付。

请联系您的财务顾问代表或访问 https://singlife.com/en/claims 以获取索赔程序。

10. 自由观察期


您从收到本保单之日起有 14 天的时间决定是否继续保留该保单。如果您不想继续,您可以书面通知我们取消本保单。只要您未根据本保单提出任何索赔,我们将从保单生效日期起取消本保单,并退还您支付的保费,不计利息,并扣除考虑您的申请和签发本保单所花费的任何费用。

如果本政策是通过邮寄方式发送给您的,我们认为在邮寄后 7 天内已送达。如果本政策是通过电子方式发送给您的,我们认为在传输日期已送达(除非我们收到未收到的通知),或者当您下载政策时。


11. 销售点文件


在销售点提供以下文件的副本:

  • 封面(如适用)
  • 政策示例
  • 产品摘要

  • 捆绑产品披露(如适用)
  • 事实调查表

  • 您的寿险指南

  • 您的健康保险指南和信息图表“评估我的健康保险覆盖范围”(如适用)

  • 信息图表“基因检测与保险的暂停”

12. 注释


上述仅为所提供计划的摘要。计划的具体条款和条件在保单合同中列出。

在您决定购买该计划之前,您可能希望咨询财务顾问代表的意见。如果您选择不寻求财务顾问代表的建议,您应考虑该计划是否适合您。由于该产品没有储蓄或投资功能,因此如果保单结束或提前终止保单,则没有现金价值。


13. 保单持有人保护计划


本保单受新加坡存款保险公司(SDIC)管理的保单持有人保护计划保护。您的保单自动获得保障,无需您采取进一步行动。如需了解该计划涵盖的福利类型及适用的保障限额,请与我们联系或访问 LIA 或 SDIC 网站(www.lia.org.sg 或 www.sdic.org.sg)。


14. 保险公司的详细信息

该计划由新加坡人寿有限公司承保。网站:www.singlife.com。


产品摘要 Singlife 精英定期 II(限期支付)


1. 产品描述


该计划是一种有限保费支付期限的非参与型定期寿险计划。基本保障在保单有效期内提供对死亡和绝症的保护。如果保单在到期之前保持有效,您将获得长寿奖励。

此外,保单下为被保险人的意外死亡提供临时保障,或者在联合寿险提案的情况下,为在临时保障期间内遭遇意外死亡的两名被保险人中的 1 st 1 st  1^("st ")1^{\text {st }} 提供保障。临时保障从申请签署之日起生效。
注意:

(a)“您”/“您的”指保单持有人。“我们”/“我们”/“我们的”指新加坡人寿有限公司。


(b)“年龄”指下一个生日的年龄。

产品一览


  • 保障期限至 99 岁。

  • 选择保费期限:

  • 有限支付 5 年

  • 限期支付 10 年

  • 限期缴费至 65 岁

  • 限期支付至 75 岁

  • 保费在整个保费期限内保持不变并且有保障。

  • 可用的 6 种货币选项为:新加坡元(SGD)、美元(USD)、英镑(GBP)、欧元(EUR)、澳元(AUD)和港元(HKD)。

  • 在保单有效期内,若被保险人去世或被诊断为终末期疾病,将支付一次性赔付。

  • 退保利益相当于:

  • 30 % 30 % 30%30 \% 的基本利益总保费自第三个 ( 3 rd 3 rd  3^("rd ")3^{\text {rd }} ) 保单年度开始至保费支付期结束。

  • 从保费支付期结束后的基本福利总保费支付的 80 % 80 % 80%80 \%

  • 在被保险人经历某些生活阶段事件时,可以选择增加保险金额(无需提供保险可保性证明),例如:

  • 将一个新的子女成员添加到他的直系家庭中,

  • 为自己或孩子注册初等、中等或高等教育,

  • 在高等教育毕业后一年内进入全职工作,

  • 更改其婚姻状况,

  • 购买房产,或

  • 被保险人年满 21 岁。

  • 领取长寿奖励,该奖励等于基本保障已支付总保费的 100 % 100 % 100%100 \% ,前提是保单在到期之前保持有效。

  • 选择按月、按季度、半年或按年付款。

  • 增加附加福利,以获得额外的安心。

被保险人签名:

日期
名称

2024 年 5 月 9 日 A

财务签名
顾问代表
日期:2024 年 5 月 9 日
名称

金融联盟私人有限公司

公司名称

金融联盟私人有限公司

86888625
联系电话
77000619


2. 计划特点和好处


只有在我们收到令人满意的证明并批准任何索赔后,才会支付福利。


在我们支付任何福利之前,我们将扣除该保单年度剩余的应付保费和任何应付给我们的福利金额。

建议您阅读保单合同以获取完整的除外条款列表。


2.1. 临时意外死亡赔偿金

我们支付的费用

临时意外死亡保险“临时保险”

仅适用于被保险人年龄低于 60 岁时

在申请日期遵守义务

在申请表中列出的披露。

我们提供的每位生命的临时保障利益
临时封面是:

建议的死亡赔偿金保障金额,或

- 新加坡元 500,000(或其等值的其他货币)
货币),

无论哪个更低,减去应付的保费

已要求支付第一份保单的费用
年。

收到申请及所有所需材料后

支持文件和信息,我们保留

撤销临时保障的权利,需通过通知来实现

如果我们确定,生命保障将立即生效

超过标准的寿险风险覆盖。

临时意外死亡福利结束时
What We Pay The interim Accidental Death cover "Interim Cover" applies only if the Life Assured is less than Age 60 on the date of Application and comply with the duty of disclosure as set out in the Application Form. The Interim Cover Benefit per life by Us under the Interim Cover is: the proposed Sum Assured for Death Benefit, or - SGD 500,000 (or its equivalent in other currencies), whichever is lower, less the Premiums which would have been required to be paid for the first policy year. Upon receiving the Application and all the required supporting documents and information, We reserve the right to revoke the Interim Cover by informing the Life Assured immediately if We determine that there is more than the standard life risk to cover. when the Interim Accidental Death Benefit Ends| What We Pay | | :--- | | The interim Accidental Death cover "Interim Cover" | | applies only if the Life Assured is less than Age 60 | | on the date of Application and comply with the duty | | of disclosure as set out in the Application Form. | | The Interim Cover Benefit per life by Us under the | | Interim Cover is: | | the proposed Sum Assured for Death Benefit, or | | - SGD 500,000 (or its equivalent in other | | currencies), | | whichever is lower, less the Premiums which would | | have been required to be paid for the first policy | | year. | | Upon receiving the Application and all the required | | supporting documents and information, We reserve | | the right to revoke the Interim Cover by informing the | | Life Assured immediately if We determine that there | | is more than the standard life risk to cover. | | when the Interim Accidental Death Benefit Ends |
此福利结束:

  • 在政策生效日期,

  • 自申请签署之日起 90 天内,

  • 自我们接受申请之日起 30 天内,除非被保险人接受条款,否则按不合格条款处理

  • 在申请被撤回之日,

  • 在我们拒绝或推迟申请的日期,或者

  • 如果拟议的被保险人因意外死亡(或在联合寿险提案的情况下,如果 2 名拟议被保险人中的 1 st 1 st  1^("st ")1^{\text {st }} 因意外死亡),


    无论哪个是最早的。


    “事故”是指仅由暴力、意外、外部和可见的手段直接引起的事件,且与所有其他原因无关。


    “意外死亡”是指因事故导致的死亡。


    “申请”是指由申请中所列的个人签署并提交的申请表,以向我们购买保单,包括为支持该申请而提供给我们的任何书面声明、陈述和/或文件。


我们不支付的费用


我们不会在本保单下支付临时意外死亡赔偿金,如果死亡是直接或间接、全部或部分由以下原因造成、引起或促成的:

  • 自杀、未遂自杀或其他故意自我伤害,无论是理智还是精神失常,

  • 积极参与战争(无论是宣战还是不宣战)、内战、战争行为和/或恐怖主义行为,

  • 由于在任何战争(无论是宣战还是不宣战)、内战、战争行为和/或恐怖主义行为中使用核、生物和/或化学武器而导致的或与之相关的,

  • 任何海军、陆军、空军、军事或警察职责(包括国民服务和后备役),

  • 参与任何空中活动,如跳伞和高空跳伞、除步行以外的任何形式的赛车、登山或水下活动,

  • 除作为付费乘客或国际航空公司在持牌商业飞机的定期航班上担任机组成员外,不得乘坐任何类型的飞机

  • 任何违反或试图违反法律的行为,或对合法逮捕或监禁的抵抗,

  • 除非在注册医疗从业者的指导下给予或服用,否则不得受酒精或药物的影响

  • 任何非因事故造成的医疗状况或伤害,或

  • 消费毒药或任何可能致命的物质,无论是自愿还是非自愿。

2.2. 身故保险金

我们支付的费用
我们不支付的费用

如果被保险人去世,我们将一次性支付保险金额。
If the Life Assured dies, We will pay the Sum Assured in one lump sum.| If the Life Assured dies, We will pay the Sum | | :--- | | Assured in one lump sum. |

我们不支付死亡赔偿金,如果被保险人自杀,如第 4 节所述。如果我们在之前的索赔中已支付部分保险金额,则仅支付剩余的保险金额。
We do not pay the Death Benefit if the Life Assured commits suicide as stated in Section 4. If We have paid part of the Sum Assured in an earlier claim, only the remaining Sum Assured is payable.| We do not pay the Death Benefit if the Life Assured | | :--- | | commits suicide as stated in Section 4. | | If We have paid part of the Sum Assured in an earlier | | claim, only the remaining Sum Assured is payable. |

本保单在我们全额支付死亡赔偿金(包括提前支付死亡赔偿金)后终止。
The Policy ends once We pay the Death Benefit (including early payout of the Death Benefit) in full.| The Policy ends once We pay the Death Benefit | | :--- | | (including early payout of the Death Benefit) in full. |
What We Pay What We Do Not Pay "If the Life Assured dies, We will pay the Sum Assured in one lump sum." "We do not pay the Death Benefit if the Life Assured commits suicide as stated in Section 4. If We have paid part of the Sum Assured in an earlier claim, only the remaining Sum Assured is payable." "The Policy ends once We pay the Death Benefit (including early payout of the Death Benefit) in full." | What We Pay | What We Do Not Pay | | :--- | :--- | | If the Life Assured dies, We will pay the Sum <br> Assured in one lump sum. | We do not pay the Death Benefit if the Life Assured <br> commits suicide as stated in Section 4. <br> If We have paid part of the Sum Assured in an earlier <br> claim, only the remaining Sum Assured is payable. | | The Policy ends once We pay the Death Benefit <br> (including early payout of the Death Benefit) in full. | |


2.3. 终端 III 益处 (TI 益处)

我们支付的费用
我们不支付的费用

如果被保险人被诊断为晚期疾病,

我们将一次性支付 TI 福利,作为一个总额,

我们不支付因早期领取死亡福利而导致的终末疾病福利。
We do not pay the TI Benefit for Terminal Illness in early payout of the Death Benefit.| We do not pay the TI Benefit for Terminal Illness in | | :--- | | early payout of the Death Benefit. |

“终末期疾病”是指对人类免疫缺陷病毒(HIV)感染的确诊。
"Terminal Illness" means the conclusive diagnosis of (HIV) infection. Human Immunodeficiency Virus| "Terminal Illness" means the conclusive diagnosis of | | :--- | :--- | | (HIV) infection. Human Immunodeficiency Virus |

一种预计会导致死亡的疾病

被保险人在 12 个月内。
What We Pay What We Do Not Pay If the Life Assured is diagnosed with terminal illness, We will pay the TI Benefit in one lump sum, as an "We do not pay the TI Benefit for Terminal Illness in early payout of the Death Benefit." ""Terminal Illness" means the conclusive diagnosis of (HIV) infection. Human Immunodeficiency Virus" an illness that is expected to result in the death of the Life Assured within 12 months. | What We Pay | What We Do Not Pay | | :--- | :--- | | If the Life Assured is diagnosed with terminal illness, | | | We will pay the TI Benefit in one lump sum, as an | We do not pay the TI Benefit for Terminal Illness in <br> early payout of the Death Benefit. | | "Terminal Illness" means the conclusive diagnosis of <br> (HIV) infection. Human Immunodeficiency Virus | | | an illness that is expected to result in the death of | | | the Life Assured within 12 months. | |

2.4. 退保利益


该政策将在以下情况下获得退保利益:

  • 该政策自政策生效日期起已生效至少 2 年;并且

  • 2 nd 2 nd  2^("nd ")2^{\text {nd }} 保单年度后,立即的分期保费已全额支付。

3 rd 3 rd  3^("rd ")3^{\text {rd }} 保单年度开始到保费支付期结束的退保利益等于基本利益已支付总保费的 30 % 30 % 30%30 \%

从保费支付期结束后的退保利益等于基本利益已支付总保费的 80 % 80 % 80%80 \%

在您的保单有效且已获得退保利益的情况下,您可以随时选择全额退保以获得退保利益。您的保单将在全额退保时终止。

您还可以选择通过减少保额部分退保,但须遵循保单的最低保额要求。在基本利益部分退保时,退保利益(如有)将根据减少的保额金额按比例退还。

在支付退保利益之前,我们将扣除任何欠我们的金额。


由于购买人寿保险政策是一项长期承诺,提前终止保单通常涉及高昂的费用,而支付给您的退保价值(如果有的话)可能为零或低于已支付的总保费。

2.5. 长寿奖励


我们将在保单期满时于 99 岁支付给您长寿奖励,前提是保单仍然有效。

长寿奖励等于基本福利所支付的总保费的 100 % 100 % 100%100 \% ,减去到期时应付给我们的任何金额。


2.6. 生命阶段事件的保证发行选项

它是什么?

此选项允许您在保费支付期间增加此基本利益的保险金额,而无需提供可保性证明,如果发生以下任何生活阶段事件:- 被保险人更改婚姻状态(例如,结婚或离婚) - 被保险人通过生育新生儿或合法收养孩子成为父母 - 被保险人购买房产 - 被保险人或被保险人的孩子入读小学、中学或高等教育 - 被保险人在高等教育毕业后一年内进入全职工作 - 被保险人年满 21 岁。
This option allows You to increase the Sum Assured of this Basic Benefit during premium payment period, without proof of insurability if any of the following Life Stage Events happen: - the Life Assured changes marital status (for e.g., marries or divorces) - the Life Assured becomes a parent by having a newborn child or legally adopts a child - the Life Assured purchases a property - the Life Assured or Life Assured's child enrols into primary, secondary or tertiary education - the Life Assured entered full-time employment within one year from tertiary graduation - the Life Assured turns 21 years old.| This option allows You to increase the Sum Assured of this Basic Benefit during premium payment period, without proof of insurability if any of the following Life Stage Events happen: | | :--- | | - the Life Assured changes marital status (for e.g., marries or divorces) | | - the Life Assured becomes a parent by having a newborn child or legally adopts a child | | - the Life Assured purchases a property | | - the Life Assured or Life Assured's child enrols into primary, secondary or tertiary education | | - the Life Assured entered full-time employment within one year from tertiary graduation | | - the Life Assured turns 21 years old. |

条件是什么?

您必须满足以下所有条件:- 您未根据本保单提交索赔, 我们未承认根据本保单的索赔, 您只能在被保险人终身内行使此选项最多 2 次,无论您可能拥有多少份提供类似选项的保单, 您必须提供令人满意的证明,表明被保险人同意增加保险金额(适用于第三方保单), 您必须在生活阶段事件发生后的 90 个日历天内提交申请,并在缴费期间内,您可以行使此选项之前没有等待期, 本保单必须完全承保并以标准条款接受,没有任何次标准保费附加、排除或反要约, 生活阶段事件必须发生在:被保险人年满 50 岁后的保单周年之前,或者如果保单是联合人寿保单,则在年长的被保险人年满 50 岁后的保单周年之前, 并且根据此选项可以增加的总保险金额,无论行使多少次,均不得超过: 50 % 50 % 50%50 \% 在保单生效日期同意的基本利益保险金额,或每人最高限额 SGD 500,000(或其在其他货币中的等值)*,以较低者为准, 增加后的总保险金额(包括我们为同一被保险人承保的所有其他保单)不得超过当前允许的每人死亡和绝症保障的最高保险金额限制。* 此最高限额适用于您可能拥有的所有覆盖同一被保险人的保单,无论数量如何。 如果该保单是联合人寿保单,则此最高限额适用于两个人的总和。
You must meet all of the following conditions: - You have not submitted a claim under this Policy, We have not admitted a claim under this Policy, You can only exercise this option up to 2 times during the lifetime of the Life Assured regardless of the number of policies You may have which offers such similar option, You must provide satisfactory proof that the Assured agrees to the increase in the Sum Assured (applies if the Policy is a third party policy), You must submit the application within 90 calendar days after the Life Stage Event has occurred and within the premium paying period, there is no waiting period before You can exercise this option, this Policy must be fully underwritten and accepted at standard terms without any sub-standard premium loadings, exclusions or counter offers, the Life Stage Event must occur: before the Policy Anniversary immediately after the Life Assured turns Age 50, or if the Policy is a joint life policy, before the Policy Anniversary immediately after the older Life Assured turns Age 50, and the total Sum Assured that can be increased under this option no matter how many times it has been exercised, must not be more than: 50% of the Basic Benefit's Sum Assured agreed at Policy Effective Date, or maximum limit of SGD 500,000 per life (or its equivalent in other currencies)*, whichever is lower, and the total Sum Assured after the increase (including all other policies with Us covering the same Life Assured) must not exceed the prevailing maximum sum assured per life limit allowed for Death and Terminal Illness coverage. * This maximum limit applies regardless of the number of policies You may have covering the same Life Assured which offers such similar option. If the Policy is a joint life policy, this maximum limit applies in total for both lives.| You must meet all of the following conditions: | | :--- | | - You have not submitted a claim under this Policy, | | We have not admitted a claim under this Policy, | | You can only exercise this option up to 2 times during the lifetime of the Life Assured regardless of the number of policies You may have which offers such similar option, You must provide satisfactory proof that the Assured agrees to the increase in the Sum Assured (applies if the Policy is a third party policy), | | You must submit the application within 90 calendar days after the Life Stage Event has occurred and within the premium paying period, | | there is no waiting period before You can exercise this option, | | this Policy must be fully underwritten and accepted at standard terms without any sub-standard premium loadings, exclusions or counter offers, the Life Stage Event must occur: | | before the Policy Anniversary immediately after the Life Assured turns Age 50, or | | if the Policy is a joint life policy, before the Policy Anniversary immediately after the older Life Assured turns Age 50, and | | the total Sum Assured that can be increased under this option no matter how many times it has been exercised, must not be more than: | | $50 \%$ of the Basic Benefit's Sum Assured agreed at Policy Effective Date, or maximum limit of SGD 500,000 per life (or its equivalent in other currencies)*, whichever is lower, and the total Sum Assured after the increase (including all other policies with Us covering the same Life Assured) must not exceed the prevailing maximum sum assured per life limit allowed for Death and Terminal Illness coverage. | | * This maximum limit applies regardless of the number of policies You may have covering the same Life Assured which offers such similar option. If the Policy is a joint life policy, this maximum limit applies in total for both lives. |

您必须注意什么?

在此选项下,保额的增加将在我们批准您行使此选项的申请后的下一个保单周年日生效。基本保障所选的相同保费支付期限选项将适用于增加的保额部分。增加的保额部分应根据被保险人在下一个保单周年日的年龄计算应支付的保费。如果索赔的死亡、诊断或残疾(如适用)发生在请求增加保额之前,我们保留取消保额增加的权利。
The increase in the Sum Assured under this option will take effect on the next Policy Anniversary immediately after We approve Your application to exercise this option. Same premium payment term option selected for the Basic Cover will apply to the increased portion of the Sum Assured. Premium payable for the increased portion of the Sum Assured will be calculated based on the Life Assured's Age at next Policy Anniversary. We reserve the right to void the increase in Sum Assured if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request of the increase in Sum Assured.| The increase in the Sum Assured under this option will take effect on the next Policy Anniversary immediately after We approve Your application to exercise this option. | | :--- | | Same premium payment term option selected for the Basic Cover will apply to the increased portion of the Sum Assured. | | Premium payable for the increased portion of the Sum Assured will be calculated based on the Life Assured's Age at next Policy Anniversary. | | We reserve the right to void the increase in Sum Assured if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request of the increase in Sum Assured. |
What is it? "This option allows You to increase the Sum Assured of this Basic Benefit during premium payment period, without proof of insurability if any of the following Life Stage Events happen: - the Life Assured changes marital status (for e.g., marries or divorces) - the Life Assured becomes a parent by having a newborn child or legally adopts a child - the Life Assured purchases a property - the Life Assured or Life Assured's child enrols into primary, secondary or tertiary education - the Life Assured entered full-time employment within one year from tertiary graduation - the Life Assured turns 21 years old." What are the conditions? "You must meet all of the following conditions: - You have not submitted a claim under this Policy, We have not admitted a claim under this Policy, You can only exercise this option up to 2 times during the lifetime of the Life Assured regardless of the number of policies You may have which offers such similar option, You must provide satisfactory proof that the Assured agrees to the increase in the Sum Assured (applies if the Policy is a third party policy), You must submit the application within 90 calendar days after the Life Stage Event has occurred and within the premium paying period, there is no waiting period before You can exercise this option, this Policy must be fully underwritten and accepted at standard terms without any sub-standard premium loadings, exclusions or counter offers, the Life Stage Event must occur: before the Policy Anniversary immediately after the Life Assured turns Age 50, or if the Policy is a joint life policy, before the Policy Anniversary immediately after the older Life Assured turns Age 50, and the total Sum Assured that can be increased under this option no matter how many times it has been exercised, must not be more than: 50% of the Basic Benefit's Sum Assured agreed at Policy Effective Date, or maximum limit of SGD 500,000 per life (or its equivalent in other currencies)*, whichever is lower, and the total Sum Assured after the increase (including all other policies with Us covering the same Life Assured) must not exceed the prevailing maximum sum assured per life limit allowed for Death and Terminal Illness coverage. * This maximum limit applies regardless of the number of policies You may have covering the same Life Assured which offers such similar option. If the Policy is a joint life policy, this maximum limit applies in total for both lives." What must You take note of? "The increase in the Sum Assured under this option will take effect on the next Policy Anniversary immediately after We approve Your application to exercise this option. Same premium payment term option selected for the Basic Cover will apply to the increased portion of the Sum Assured. Premium payable for the increased portion of the Sum Assured will be calculated based on the Life Assured's Age at next Policy Anniversary. We reserve the right to void the increase in Sum Assured if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request of the increase in Sum Assured."| What is it? | This option allows You to increase the Sum Assured of this Basic Benefit during premium payment period, without proof of insurability if any of the following Life Stage Events happen: <br> - the Life Assured changes marital status (for e.g., marries or divorces) <br> - the Life Assured becomes a parent by having a newborn child or legally adopts a child <br> - the Life Assured purchases a property <br> - the Life Assured or Life Assured's child enrols into primary, secondary or tertiary education <br> - the Life Assured entered full-time employment within one year from tertiary graduation <br> - the Life Assured turns 21 years old. | | :---: | :---: | | What are the conditions? | You must meet all of the following conditions: <br> - You have not submitted a claim under this Policy, <br> We have not admitted a claim under this Policy, <br> You can only exercise this option up to 2 times during the lifetime of the Life Assured regardless of the number of policies You may have which offers such similar option, You must provide satisfactory proof that the Assured agrees to the increase in the Sum Assured (applies if the Policy is a third party policy), <br> You must submit the application within 90 calendar days after the Life Stage Event has occurred and within the premium paying period, <br> there is no waiting period before You can exercise this option, <br> this Policy must be fully underwritten and accepted at standard terms without any sub-standard premium loadings, exclusions or counter offers, the Life Stage Event must occur: <br> before the Policy Anniversary immediately after the Life Assured turns Age 50, or <br> if the Policy is a joint life policy, before the Policy Anniversary immediately after the older Life Assured turns Age 50, and <br> the total Sum Assured that can be increased under this option no matter how many times it has been exercised, must not be more than: <br> $50 \%$ of the Basic Benefit's Sum Assured agreed at Policy Effective Date, or maximum limit of SGD 500,000 per life (or its equivalent in other currencies)*, whichever is lower, and the total Sum Assured after the increase (including all other policies with Us covering the same Life Assured) must not exceed the prevailing maximum sum assured per life limit allowed for Death and Terminal Illness coverage. <br> * This maximum limit applies regardless of the number of policies You may have covering the same Life Assured which offers such similar option. If the Policy is a joint life policy, this maximum limit applies in total for both lives. | | What must You take note of? | The increase in the Sum Assured under this option will take effect on the next Policy Anniversary immediately after We approve Your application to exercise this option. <br> Same premium payment term option selected for the Basic Cover will apply to the increased portion of the Sum Assured. <br> Premium payable for the increased portion of the Sum Assured will be calculated based on the Life Assured's Age at next Policy Anniversary. <br> We reserve the right to void the increase in Sum Assured if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request of the increase in Sum Assured. |


2.7. 保证可转换选项(适用于所有保单条款)

它是什么?

此选项允许您将原保单转换为在转换时可用的新年金或终身寿险保单,无需提供可保性证明。如果您选择完全转换此保单:- 我们将把保额转换为新保单的保额,受您申请时新保单允许的最低和最高保额的限制,并且 - 新保单下的身故赔偿金不得超过您行使此选项之前原保单下的身故赔偿金。如果您选择部分转换此保单:- 我们将根据转换的金额减少基本利益的保额,受保单最低保额的限制,我们将把减少的保额部分转换为新保单的保额,受您申请时新保单允许的最低和最高保额的限制,并且 - 新保单下的身故赔偿金不得超过转换的保额金额。
This option allows You to convert the original Policy to a new endowment or whole life policy available at the point of conversion, without proof of insurability. If You exercise this option to fully convert this Policy: - We will the convert the Sum Assured to the sum assured of the new policy, subject to the minimum and maximum sums assured allowed for the new policy at the time of Your application, and - the Death Benefit payable under the new policy must not be more than the Death Benefit payable under the original Policy before You exercise this option. If You exercise this option to partially convert this Policy: - We will reduce the Sum Assured of the Basic Benefits by the amount converted, subject to the minimum Sum Assured of the Policy, We will convert the part of Sum Assured reduced to the sum assured of the new policy subject to the minimum and maximum sums assured allowed for the new policy at the time of Your application, and - the Death Benefit payable under the new policy must not be more than the amount of Sum Assured converted.| This option allows You to convert the original Policy to a new endowment or whole life policy available at the point of conversion, without proof of insurability. | | :--- | | If You exercise this option to fully convert this Policy: | | - We will the convert the Sum Assured to the sum assured of the new policy, subject to the minimum and maximum sums assured allowed for the new policy at the time of Your application, and | | - the Death Benefit payable under the new policy must not be more than the Death Benefit payable under the original Policy before You exercise this option. | | If You exercise this option to partially convert this Policy: | | - We will reduce the Sum Assured of the Basic Benefits by the amount converted, subject to the minimum Sum Assured of the Policy, | | We will convert the part of Sum Assured reduced to the sum assured of the new policy subject to the minimum and maximum sums assured allowed for the new policy at the time of Your application, and | | - the Death Benefit payable under the new policy must not be more than the amount of Sum Assured converted. |

条件是什么?

您必须满足以下所有条件:- 您未根据本保单提交索赔,- 我们未承认根据本保单的索赔,- 在行使此选项时保单有效,- 在行使此选项时,被保险人年龄为 65 岁或以下(如果保单为联名保单,则转换的年龄限制必须基于 2 位被保险人中年长者的年龄),并且 - 新保单的被保险人必须与原保单的被保险人相同。
You must meet all of the following conditions: - You have not submitted a claim under this Policy, - We have not admitted a claim under this Policy, - the Policy is in force when this option is exercised, - the Life Assured is Age 65 or younger when this option is exercised (if the Policy is a joint life policy, the age limit for conversion must be based on the older Age of the 2 Lives Assured), and - the Life Assured of the new policy must be the same as the original Policy.| You must meet all of the following conditions: | | :--- | | - You have not submitted a claim under this Policy, | | - We have not admitted a claim under this Policy, | | - the Policy is in force when this option is exercised, | | - the Life Assured is Age 65 or younger when this option is exercised (if the Policy is a joint life policy, the age limit for conversion must be based on the older Age of the 2 Lives Assured), and | | - the Life Assured of the new policy must be the same as the original Policy. |

您必须注意什么?

如果部分转换保单的申请被接受,退保利益(如有)将根据减少的保额金额按比例退还。部分转换可能会减少剩余保费支付期限内应支付的保费,原保单的所有未来利益也将减少。您必须继续按照保单生效日期适用的保费率支付剩余保额的保费,以保持在部分转换后保单的有效性。新保单的应付保费将基于保单转换时被保险人的年龄和现行保费率。完全或部分转换仅在下一个保费到期日生效。如果保单是联名保单,新保单必须承保相同的被保险人。如果没有联名产品可用,两个被保险人可以选择分别投保新的保单。每个被保险人的新保单的保额将是转换保额的一半。与本保单生效时相同的接受条款将继续适用于新保单。 此选项只能行使一次,无论是完全转换还是部分转换。一旦转换生效,转换此保单的操作无法撤回。如果索赔的死亡、诊断或残疾(如适用)发生在请求将原保单转换为新年金或终身寿险之前,我们保留无效请求将原保单转换为新年金或终身寿险的权利。如果行使了保证转换选项,第 10 节中所述的自由观察期适用于新年金或终身寿险。
If the application to partially convert the Policy is accepted, the Surrender Benefit (if any) will be refunded proportionately depending on the amount of the Sum Assured reduced. A partial conversion may reduce the premium payable over the remaining premium payment term and all future benefits of the original Policy will also be reduced. You must continue to pay the Premium for the remaining Sum Assured based on the Premium rate applicable at the Policy Effective Date to keep this Policy in force after partial conversion. Premiums payable for the new policy will be based on the Life Assured's Age at the date when the Policy is converted and the prevailing premium rates. Full or partial conversion can only be effective at the next premium payment due date. If the Policy is a joint life policy, the new policy must insure the same Lives Assured. If a joint life product is not available, both Lives Assured can choose to take up separate new policies. The amount of Sum Assured of the new policy for each Life Assured will be half of the amount of Sum Assured converted. The same terms of acceptance as at the inception of this Policy will continue to apply to the new policy. This option can only be exercised once, be it a full or partial conversion. The action to convert this Policy cannot be reverted once conversion is effective. We reserve the right to void the request to convert the original Policy to a new endowment or whole life policy if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request to convert the original Policy to a new endowment or whole life policy. The Free Look stated in Section 10 applies to the new endowment or whole life policy if the Guaranteed Convertibility Option is exercised.| If the application to partially convert the Policy is accepted, the Surrender Benefit (if any) will be refunded proportionately depending on the amount of the Sum Assured reduced. | | :--- | | A partial conversion may reduce the premium payable over the remaining premium payment term and all future benefits of the original Policy will also be reduced. You must continue to pay the Premium for the remaining Sum Assured based on the Premium rate applicable at the Policy Effective Date to keep this Policy in force after partial conversion. | | Premiums payable for the new policy will be based on the Life Assured's Age at the date when the Policy is converted and the prevailing premium rates. | | Full or partial conversion can only be effective at the next premium payment due date. | | If the Policy is a joint life policy, the new policy must insure the same Lives Assured. If a joint life product is not available, both Lives Assured can choose to take up separate new policies. The amount of Sum Assured of the new policy for each Life Assured will be half of the amount of Sum Assured converted. | | The same terms of acceptance as at the inception of this Policy will continue to apply to the new policy. | | This option can only be exercised once, be it a full or partial conversion. The action to convert this Policy cannot be reverted once conversion is effective. | | We reserve the right to void the request to convert the original Policy to a new endowment or whole life policy if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request to convert the original Policy to a new endowment or whole life policy. | | The Free Look stated in Section 10 applies to the new endowment or whole life policy if the Guaranteed Convertibility Option is exercised. |
What is it? "This option allows You to convert the original Policy to a new endowment or whole life policy available at the point of conversion, without proof of insurability. If You exercise this option to fully convert this Policy: - We will the convert the Sum Assured to the sum assured of the new policy, subject to the minimum and maximum sums assured allowed for the new policy at the time of Your application, and - the Death Benefit payable under the new policy must not be more than the Death Benefit payable under the original Policy before You exercise this option. If You exercise this option to partially convert this Policy: - We will reduce the Sum Assured of the Basic Benefits by the amount converted, subject to the minimum Sum Assured of the Policy, We will convert the part of Sum Assured reduced to the sum assured of the new policy subject to the minimum and maximum sums assured allowed for the new policy at the time of Your application, and - the Death Benefit payable under the new policy must not be more than the amount of Sum Assured converted." What are the conditions? "You must meet all of the following conditions: - You have not submitted a claim under this Policy, - We have not admitted a claim under this Policy, - the Policy is in force when this option is exercised, - the Life Assured is Age 65 or younger when this option is exercised (if the Policy is a joint life policy, the age limit for conversion must be based on the older Age of the 2 Lives Assured), and - the Life Assured of the new policy must be the same as the original Policy." What must You take note of? "If the application to partially convert the Policy is accepted, the Surrender Benefit (if any) will be refunded proportionately depending on the amount of the Sum Assured reduced. A partial conversion may reduce the premium payable over the remaining premium payment term and all future benefits of the original Policy will also be reduced. You must continue to pay the Premium for the remaining Sum Assured based on the Premium rate applicable at the Policy Effective Date to keep this Policy in force after partial conversion. Premiums payable for the new policy will be based on the Life Assured's Age at the date when the Policy is converted and the prevailing premium rates. Full or partial conversion can only be effective at the next premium payment due date. If the Policy is a joint life policy, the new policy must insure the same Lives Assured. If a joint life product is not available, both Lives Assured can choose to take up separate new policies. The amount of Sum Assured of the new policy for each Life Assured will be half of the amount of Sum Assured converted. The same terms of acceptance as at the inception of this Policy will continue to apply to the new policy. This option can only be exercised once, be it a full or partial conversion. The action to convert this Policy cannot be reverted once conversion is effective. We reserve the right to void the request to convert the original Policy to a new endowment or whole life policy if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request to convert the original Policy to a new endowment or whole life policy. The Free Look stated in Section 10 applies to the new endowment or whole life policy if the Guaranteed Convertibility Option is exercised."| What is it? | This option allows You to convert the original Policy to a new endowment or whole life policy available at the point of conversion, without proof of insurability. <br> If You exercise this option to fully convert this Policy: <br> - We will the convert the Sum Assured to the sum assured of the new policy, subject to the minimum and maximum sums assured allowed for the new policy at the time of Your application, and <br> - the Death Benefit payable under the new policy must not be more than the Death Benefit payable under the original Policy before You exercise this option. <br> If You exercise this option to partially convert this Policy: <br> - We will reduce the Sum Assured of the Basic Benefits by the amount converted, subject to the minimum Sum Assured of the Policy, <br> We will convert the part of Sum Assured reduced to the sum assured of the new policy subject to the minimum and maximum sums assured allowed for the new policy at the time of Your application, and <br> - the Death Benefit payable under the new policy must not be more than the amount of Sum Assured converted. | | :---: | :---: | | What are the conditions? | You must meet all of the following conditions: <br> - You have not submitted a claim under this Policy, <br> - We have not admitted a claim under this Policy, <br> - the Policy is in force when this option is exercised, <br> - the Life Assured is Age 65 or younger when this option is exercised (if the Policy is a joint life policy, the age limit for conversion must be based on the older Age of the 2 Lives Assured), and <br> - the Life Assured of the new policy must be the same as the original Policy. | | What must You take note of? | If the application to partially convert the Policy is accepted, the Surrender Benefit (if any) will be refunded proportionately depending on the amount of the Sum Assured reduced. <br> A partial conversion may reduce the premium payable over the remaining premium payment term and all future benefits of the original Policy will also be reduced. You must continue to pay the Premium for the remaining Sum Assured based on the Premium rate applicable at the Policy Effective Date to keep this Policy in force after partial conversion. <br> Premiums payable for the new policy will be based on the Life Assured's Age at the date when the Policy is converted and the prevailing premium rates. <br> Full or partial conversion can only be effective at the next premium payment due date. <br> If the Policy is a joint life policy, the new policy must insure the same Lives Assured. If a joint life product is not available, both Lives Assured can choose to take up separate new policies. The amount of Sum Assured of the new policy for each Life Assured will be half of the amount of Sum Assured converted. <br> The same terms of acceptance as at the inception of this Policy will continue to apply to the new policy. <br> This option can only be exercised once, be it a full or partial conversion. The action to convert this Policy cannot be reverted once conversion is effective. <br> We reserve the right to void the request to convert the original Policy to a new endowment or whole life policy if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request to convert the original Policy to a new endowment or whole life policy. <br> The Free Look stated in Section 10 applies to the new endowment or whole life policy if the Guaranteed Convertibility Option is exercised. |

2.8. 政策贷款


您可以选择最高为保单退保利益的 90 % 90 % 90%90 \% 的保单贷款,减去您欠我们的任何款项。适用的最低贷款金额和保单贷款利率将适用,并且可能会根据我们当前的条款和条件进行更改。利率是非保证的,由我们不时决定。

3. 合同


本摘要为您提供该计划的概述。政策合同将提供该计划的完整条款和条件。

4. 自杀


如果被保险人在以下一年内自杀(无论是神志清醒还是精神失常):

  • 政策发行日期,或

  • 保单的最后恢复日期,


    无论哪个时间较晚,我们将在死亡日期的前一天立即作废您的保单。


    只要您未根据保单提出任何索赔,我们将退还已支付的保单保费,不计利息,并扣除任何欠款,来自:

  • 政策发行日期,或

  • 最后恢复日期,

    以较晚者为准。


5. 当政策结束时

政策结束:

  • 被保险人去世时,

  • 当我们全额支付死亡赔偿金或提前支付死亡赔偿金时,

  • 当本政策到期时,

  • 当宽限期到期时,如果保单的分期保费仍未支付,

  • 当我们接受您书面请求终止时,或者

  • 当发生任何其他导致保单终止的事件(如本保单中所述)时,


    无论哪个是最早的。


    在本保单结束之前,已支付的任何分期保费均不予退还。如果我们接受您书面请求终止本保单,则不会有任何按比例退还的保费,您的保单将从我们接受您书面请求终止本保单的日期之后的下一个保费到期日开始终止。

6. 联合寿命保障


如果该保单是联合人寿保险,身故保险金或重大疾病保险金仅在首位符合以下条件的被保险人身故时支付:
  • 死,或者

  • 被诊断为末期疾病,

    分别。

    补充福利(如适用)也仅会支付给首位被保险人:
  • 死,或者

  • 被诊断为重大疾病或完全和永久性残疾,

    无论适用哪种。

7. 共同所有权


被保险人是两个人:

  • 如果他们中的任何一方去世,他在保单中的所有权利、选择、所有权和权益将自动转移给幸存的被保险人,

  • 任何需要被保证人请求的交易可以由两个被保证人中的任何一个请求。


8. 通知和索赔证明


书面通知和索赔证明必须在索赔事件和/或被保险人去世后尽快合理地提供给我们。

索赔人必须通知我们并向我们在注册办公室提供以下文件:

  • 已完成的索赔表格,

  • 被保险人的出生日期证明,

  • 由注册医疗从业者出具的医疗报告和/或诊断。医疗报告和/或诊断必须满足以下条件:

  • quad\quad 由临床、放射学、组织学和实验室证据支持,费用由索赔人承担,
  • 对我们来说是可以接受的,

  • 死亡证明(用于死亡赔偿申请),

  • 证明索赔人有权根据保单获得付款,且

  • 我们认为必要的任何其他文件以支持该索赔。

9. 索赔


根据本保单应支付的任何赔偿金将支付给您、您的法定代表人或其他授权方(视情况而定)。在我们收到全额保费之前,我们将不对任何已发生的索赔进行支付。

请联系您的财务顾问代表或访问 https://singlife.com/en/claims 以获取索赔程序。

10. 自由观察期


您从收到本保单之日起有 14 天的时间决定是否继续保留该保单。如果您不想继续,您可以书面通知我们取消本保单。只要您未根据本保单提出任何索赔,我们将从保单生效日期起取消本保单,并退还您支付的保费,不计利息,并扣除考虑您的申请和签发本保单所花费的任何费用。

如果本政策是通过邮寄方式发送给您的,我们认为在邮寄后 7 天内送达。如果本政策是通过电子方式发送给您的,我们认为在传输日期送达。


11. 销售点文件


在销售点提供以下文件的副本:

  • 封面(如适用)
  • 政策示例
  • 产品摘要

  • 捆绑产品披露(如适用)
  • 事实调查表

  • 您的寿险指南

  • 您的健康保险指南和信息图表“评估我的健康保险覆盖范围”(如适用)

  • 信息图表“基因检测与保险的暂停”

12. 注释


上述仅为所提供计划的摘要。计划的具体条款和条件在保单合同中列出。

在您决定购买该计划之前,您可能希望寻求财务顾问代表的建议。如果您选择不寻求财务顾问代表的建议,您应考虑该计划是否适合您。由于购买人寿保险政策是一项长期承诺,提前终止该政策通常会涉及高昂的费用,而支付给您的退保价值(如果有的话)可能为零或低于已支付的总保费。


13. 保单持有人保护计划


本保单受新加坡存款保险公司(SDIC)管理的保单持有人保护计划保护。您的保单自动获得保障,无需您采取进一步行动。如需了解该计划涵盖的福利类型及适用的保障限额,请与我们联系或访问 LIA 或 SDIC 网站(www.lia.org.sg 或 www.sdic.org.sg)。


14. 保险公司的详细信息

该计划由新加坡人寿有限公司承保。网站:www.singlife.com。


TPD 进阶保障加 Plus III

1. 特点


这是一个非参与性的完全和永久性残疾补充福利(TPD 福利)。它在福利期限内提供对完全和永久性残疾的保护。此 TPD 福利加速了与其附加的保单的身故福利。此补充福利没有任何现金价值。

该附加福利的保费率在整个保费期限内是固定且有保障的。

2. 好处


只有在我们收到令人满意的证明并批准任何索赔后,才会支付福利。


在我们支付任何福利之前,我们将扣除该保单年度剩余的应付保费和应付给我们的任何款项。

建议您阅读保单合同以获取完整的除外条款列表。


2.1. 总体和永久性残疾福利 (TPD 福利)

W
我们不支付的费用

如果被保险人遭受完全和永久性残疾(TPD),我们将支付 TPD 赔付金作为死亡赔付金的提前支付。有关 TPD 的定义,请参阅附录 A。由于 TPD 赔付金是死亡赔付金的提前支付,如果我们在之前的索赔中支付了部分死亡赔付金,导致死亡赔付金低于本附加利益的保险金额,我们将:将本附加利益的保险金额减少至等于死亡赔付金的金额,并且 - TPD 赔付金将基于减少后的本附加利益的保险金额。如果本附加利益的保险金额减少至修订后的死亡赔付金保险金额,保费将相应减少。您只需支付减少后的保费(基于利益开始日期适用的保费率)即可获得剩余的利益。诊断必须由专业人士确认和认证。
If the Life Assured suffers from Total and Permanent Disability (TPD), We will pay the TPD Benefit as an early payout of the Death Benefit. Please refer to Appendix A for the definition of TPD. As the TPD Benefit is an early payout of the Death Benefit, if we have paid part of the Death Benefit in an earlier claim and this causes the Death Benefit to be less than the Sum Assured of this Supplementary Benefit, We will: reduce the Sum Assured of this Supplementary Benefit to the amount equal to the Death Benefit, and - the TPD Benefit will be based on the reduced Sum Assured of this Supplementary Benefit. If the Sum Assured of this Supplementary Benefit is reduced to the revised Sum Assured of the Death Benefit, the premium will be reduced accordingly You only need to pay the reduced premium (based on the premium rates that apply at the Benefit Commencement Date) to receive the remaining benefits. The diagnosis must be confirmed and certified by a| If the Life Assured suffers from Total and Permanent Disability (TPD), We will pay the TPD Benefit as an early payout of the Death Benefit. | | :--- | | Please refer to Appendix A for the definition of TPD. | | As the TPD Benefit is an early payout of the Death Benefit, if we have paid part of the Death Benefit in an earlier claim and this causes the Death Benefit to be less than the Sum Assured of this Supplementary Benefit, We will: | | reduce the Sum Assured of this Supplementary Benefit to the amount equal to the Death Benefit, and | | - the TPD Benefit will be based on the reduced Sum Assured of this Supplementary Benefit. | | If the Sum Assured of this Supplementary Benefit is reduced to the revised Sum Assured of the Death Benefit, the premium will be reduced accordingly You only need to pay the reduced premium (based on the premium rates that apply at the Benefit Commencement Date) to receive the remaining benefits. | | The diagnosis must be confirmed and certified by a |

我们将不支付因以下原因直接或间接、全部或部分导致的任何 TPD(完全丧失劳动能力)福利:- 自残的疾病或伤害,无论是精神正常还是精神失常,- 自杀未遂,- 在任何类型的飞机上旅行期间受伤,除非作为付费乘客或国际航空公司定期航班的机组成员,- 任何既往病症。“既往病症”是指在以下时间之前存在或正在存在的任何状况或疾病,或其原因或症状存在或明显的任何状况或疾病,或被保险人在以下时间之前遭受或正在遭受的任何状况或疾病:- 保单签发日期,- 本附加福利的签发日期,- 本附加福利的福利开始日期,或- 本附加福利的复效日期,以较晚者为准,除非该状况或疾病已被我们声明并接受。
We will not pay the TPD Benefit for any TPD directly or indirectly, wholly or partly caused by or arising from or contributed to by: - self-inflicted illness or injury, while sane or insane, - attempted suicide, - injuries sustained during travel on any type of aircraft except as a fare-paying passenger or a crew member of an international airline operating on a regularly-scheduled passenger flight of a licensed commercial aircraft, or - any Pre-existing Condition. "Pre-existing Condition" means any condition or illness which existed or was existing or the cause or symptoms of which existed or were existing or evident, or any condition or illness which the Life Assured suffered or was suffering from, before the: - Policy Issue Date, - issue date of this Supplementary Benefit, - Benefit Commencement Date of this Supplementary Benefit, or - reinstatement date of this Supplementary Benefit, whichever is the latest, unless the condition or illness had been declared and accepted by Us.| We will not pay the TPD Benefit for any TPD directly or indirectly, wholly or partly caused by or arising from or contributed to by: | | :--- | | - self-inflicted illness or injury, while sane or insane, | | - attempted suicide, | | - injuries sustained during travel on any type of aircraft except as a fare-paying passenger or a crew member of an international airline operating on a regularly-scheduled passenger flight of a licensed commercial aircraft, or | | - any Pre-existing Condition. | | "Pre-existing Condition" means any condition or illness which existed or was existing or the cause or symptoms of which existed or were existing or evident, or any condition or illness which the Life Assured suffered or was suffering from, before the: | | - Policy Issue Date, | | - issue date of this Supplementary Benefit, | | - Benefit Commencement Date of this Supplementary Benefit, or | | - reinstatement date of this Supplementary Benefit, | | whichever is the latest, unless the condition or illness had been declared and accepted by Us. |
W What We Do Not Pay "If the Life Assured suffers from Total and Permanent Disability (TPD), We will pay the TPD Benefit as an early payout of the Death Benefit. Please refer to Appendix A for the definition of TPD. As the TPD Benefit is an early payout of the Death Benefit, if we have paid part of the Death Benefit in an earlier claim and this causes the Death Benefit to be less than the Sum Assured of this Supplementary Benefit, We will: reduce the Sum Assured of this Supplementary Benefit to the amount equal to the Death Benefit, and - the TPD Benefit will be based on the reduced Sum Assured of this Supplementary Benefit. If the Sum Assured of this Supplementary Benefit is reduced to the revised Sum Assured of the Death Benefit, the premium will be reduced accordingly You only need to pay the reduced premium (based on the premium rates that apply at the Benefit Commencement Date) to receive the remaining benefits. The diagnosis must be confirmed and certified by a" "We will not pay the TPD Benefit for any TPD directly or indirectly, wholly or partly caused by or arising from or contributed to by: - self-inflicted illness or injury, while sane or insane, - attempted suicide, - injuries sustained during travel on any type of aircraft except as a fare-paying passenger or a crew member of an international airline operating on a regularly-scheduled passenger flight of a licensed commercial aircraft, or - any Pre-existing Condition. "Pre-existing Condition" means any condition or illness which existed or was existing or the cause or symptoms of which existed or were existing or evident, or any condition or illness which the Life Assured suffered or was suffering from, before the: - Policy Issue Date, - issue date of this Supplementary Benefit, - Benefit Commencement Date of this Supplementary Benefit, or - reinstatement date of this Supplementary Benefit, whichever is the latest, unless the condition or illness had been declared and accepted by Us."| W | What We Do Not Pay | | :---: | :---: | | If the Life Assured suffers from Total and Permanent Disability (TPD), We will pay the TPD Benefit as an early payout of the Death Benefit. <br> Please refer to Appendix A for the definition of TPD. <br> As the TPD Benefit is an early payout of the Death Benefit, if we have paid part of the Death Benefit in an earlier claim and this causes the Death Benefit to be less than the Sum Assured of this Supplementary Benefit, We will: <br> reduce the Sum Assured of this Supplementary Benefit to the amount equal to the Death Benefit, and <br> - the TPD Benefit will be based on the reduced Sum Assured of this Supplementary Benefit. <br> If the Sum Assured of this Supplementary Benefit is reduced to the revised Sum Assured of the Death Benefit, the premium will be reduced accordingly You only need to pay the reduced premium (based on the premium rates that apply at the Benefit Commencement Date) to receive the remaining benefits. <br> The diagnosis must be confirmed and certified by a | We will not pay the TPD Benefit for any TPD directly or indirectly, wholly or partly caused by or arising from or contributed to by: <br> - self-inflicted illness or injury, while sane or insane, <br> - attempted suicide, <br> - injuries sustained during travel on any type of aircraft except as a fare-paying passenger or a crew member of an international airline operating on a regularly-scheduled passenger flight of a licensed commercial aircraft, or <br> - any Pre-existing Condition. <br> "Pre-existing Condition" means any condition or illness which existed or was existing or the cause or symptoms of which existed or were existing or evident, or any condition or illness which the Life Assured suffered or was suffering from, before the: <br> - Policy Issue Date, <br> - issue date of this Supplementary Benefit, <br> - Benefit Commencement Date of this Supplementary Benefit, or <br> - reinstatement date of this Supplementary Benefit, <br> whichever is the latest, unless the condition or illness had been declared and accepted by Us. |
注意:

在此附加福利生效期间,我们将以以下方式支付完全和永久残疾(TPD)福利:


(a)对于在诊断日期年龄为 2 岁及以上的被保险人

如果本保单及我们为同一被保险人签发的任何其他保单的全残保障总保额等于或低于新加坡元 2,000,000(或其等值的其他货币),我们将以适用的合同货币一次性支付全残保障金。

如果本保单及我们为同一被保险人签发的任何其他保单的全残保障总保额超过新加坡元 2,000,000(或其等值的其他货币),我们将:

  • 免除在我们承认 TPD 索赔后紧接着的保单周年纪念日开始的 TPD 福利分期保费,

  • 以三次付款支付全额保障金以获得完全残疾福利:


    首次 SGD 2 , 000 , 000 2 , 000 , 000 2,000,0002,000,000 (或其在其他货币中的等值)在我们批准索赔时

  • quad\quad 剩余的一半在我们支付首笔 SGD 2,000,000(或其等值其他货币)后的一个年度

  • 在我们支付首笔 2,000,000 新加坡元(或其等值其他货币)后的剩余 2 年内


    (b) 对于在诊断日期时年龄低于 2 岁的被保险人

我们将免除因全残保障而产生的分期保费,从我们承认全残索赔后的保单周年日起生效,并将全残保障的总保额分两次支付:

  • 当我们承认 TPD 索赔时,TPD 福利的 20 % 20 % 20%20 \%

  • 在首次付款支付后的剩余 80 % 80 % 80%80 \% 一年内

  1. 保证可再生选项


    (仅适用于附带保证可续期选项的 5 年和 10 年定期计划的附加条款)
它是什么?

如果附加的基本保障具有保证可续保选项,则该选项允许您在保障终止日期后自动续保此附加利益,连同附加的基本保障,续保期限与现有保单期限相同,无需提供可保性证明。
Where the attached Basic Cover has Guaranteed Renewable Option, this option allows You to renew this Supplementary Benefit together with the attached Basic Cover automatically from the Benefit Cessation Date for the same duration of the existing policy term, without proof of insurability.| Where the attached Basic Cover has Guaranteed Renewable Option, this option allows | | :--- | | You to renew this Supplementary Benefit together with the attached Basic Cover | | automatically from the Benefit Cessation Date for the same duration of the existing policy | | term, without proof of insurability. |

条件是什么?
What are the conditions?| What are | | :--- | | the | | conditions? |

您必须在基本保障的福利终止日期满足以下所有条件:此附加福利和基本保障均有效,- - 此附加福利在保单生效日期附加于基本保障,此附加福利在保单生效日期与基本保障具有相同的附加福利期限,受保人续保时年龄为 75 岁或更年轻(如果保单为联合人寿保单,续保的年龄限制必须基于 2 位受保人中年纪较大的那位),受保人在此附加福利的福利终止日期的保险金额与基本保障相同或更少,并且我们尚未承认此附加福利下的任何索赔。
You must meet all of the following conditions on the Benefit Cessation Date of the Basic Cover: both this Supplementary Benefit and the Basic Cover are in force, - - this Supplementary Benefit is attached to the Basic Cover at Policy Effective Date, this Supplementary Benefit has the same Supplementary Benefit term as the Basic Cover at Policy Effective Date, the Life Assured is Age 75 or younger upon renewal of the Basic Cover (if the Policy is a joint life policy, the age limit for renewal must be based on the older Age of the 2 Lives Assured), the Life Assured is insured for the same Sum Assured or less on the Benefit Cessation Date of this Supplementary Benefit, and We have not admitted any claim under this Supplementary Benefit.| You must meet all of the following conditions on the Benefit Cessation Date of the Basic | | :--- | | Cover: | | both this Supplementary Benefit and the Basic Cover are in force, | | - | | - this Supplementary Benefit is attached to the Basic Cover at Policy Effective Date, | | this Supplementary Benefit has the same Supplementary Benefit term as the Basic | | Cover at Policy Effective Date, | | the Life Assured is Age 75 or younger upon renewal of the Basic Cover (if the Policy | | is a joint life policy, the age limit for renewal must be based on the older Age of the 2 | | Lives Assured), | | the Life Assured is insured for the same Sum Assured or less on the Benefit | | Cessation Date of this Supplementary Benefit, and | | We have not admitted any claim under this Supplementary Benefit. |

您必须采取的措施
What must You take| What must | | :--- | | You | | take |

本附加福利开始时的接受条款将在每个续期中继续适用。
The same terms of acceptance as at the inception of this Supplementary Benefit will continue to apply for each renewed term.| The same terms of acceptance as at the inception of this Supplementary Benefit will | | :--- | | continue to apply for each renewed term. |
票据?
What is it? "Where the attached Basic Cover has Guaranteed Renewable Option, this option allows You to renew this Supplementary Benefit together with the attached Basic Cover automatically from the Benefit Cessation Date for the same duration of the existing policy term, without proof of insurability." "What are the conditions?" "You must meet all of the following conditions on the Benefit Cessation Date of the Basic Cover: both this Supplementary Benefit and the Basic Cover are in force, - - this Supplementary Benefit is attached to the Basic Cover at Policy Effective Date, this Supplementary Benefit has the same Supplementary Benefit term as the Basic Cover at Policy Effective Date, the Life Assured is Age 75 or younger upon renewal of the Basic Cover (if the Policy is a joint life policy, the age limit for renewal must be based on the older Age of the 2 Lives Assured), the Life Assured is insured for the same Sum Assured or less on the Benefit Cessation Date of this Supplementary Benefit, and We have not admitted any claim under this Supplementary Benefit." "What must You take" "The same terms of acceptance as at the inception of this Supplementary Benefit will continue to apply for each renewed term." note of? | What is it? | Where the attached Basic Cover has Guaranteed Renewable Option, this option allows <br> You to renew this Supplementary Benefit together with the attached Basic Cover <br> automatically from the Benefit Cessation Date for the same duration of the existing policy <br> term, without proof of insurability. | | :--- | :--- | | What are <br> the <br> conditions? | You must meet all of the following conditions on the Benefit Cessation Date of the Basic <br> Cover: <br> both this Supplementary Benefit and the Basic Cover are in force, <br> - <br> - this Supplementary Benefit is attached to the Basic Cover at Policy Effective Date, <br> this Supplementary Benefit has the same Supplementary Benefit term as the Basic <br> Cover at Policy Effective Date, <br> the Life Assured is Age 75 or younger upon renewal of the Basic Cover (if the Policy <br> is a joint life policy, the age limit for renewal must be based on the older Age of the 2 <br> Lives Assured), <br> the Life Assured is insured for the same Sum Assured or less on the Benefit <br> Cessation Date of this Supplementary Benefit, and <br> We have not admitted any claim under this Supplementary Benefit. | | What must <br> You <br> take | The same terms of acceptance as at the inception of this Supplementary Benefit will <br> continue to apply for each renewed term. | | note of? | |


4. 生命阶段事件的保证发行选项

它是什么?

此选项允许您在保费支付期间增加此附加利益的保险金额,而无需提供保险可保性证明,前提是发生以下任何生活阶段事件:- 被保险人更改婚姻状态(例如,结婚或离婚) - 被保险人通过生育新生儿或合法收养孩子成为父母 - 被保险人购买房产 - 被保险人或被保险人的孩子入读小学、中学或高等教育 - 被保险人在高等教育毕业后一年内进入全职工作 - 被保险人年满 21 岁。
This option allows You to increase the Sum Assured of this Supplementary Benefit during premium payment period, without proof of insurability if any of the following life stage events happen: - the Life Assured changes marital status (for e.g., marries or divorces) - the Life Assured becomes a parent by having a newborn child or legally adopts a child - the Life Assured purchases a property - the Life Assured or Life Assured's child enrols into primary, secondary or tertiary education - the Life Assured entered full-time employment within one year from tertiary graduation - the Life Assured turns 21 years old.| This option allows You to increase the Sum Assured of this Supplementary Benefit during premium payment period, without proof of insurability if any of the following life stage events happen: | | :--- | | - the Life Assured changes marital status (for e.g., marries or divorces) | | - the Life Assured becomes a parent by having a newborn child or legally adopts a child | | - the Life Assured purchases a property | | - the Life Assured or Life Assured's child enrols into primary, secondary or tertiary education | | - the Life Assured entered full-time employment within one year from tertiary graduation | | - the Life Assured turns 21 years old. |

条件是什么?

您必须满足以下所有条件:- 您未根据保单提交索赔,- 我们未根据保单承认索赔,- 您只能在与基本保障相同的被保险人身上行使此选项
You must meet all of the following conditions: - You have not submitted a claim under the Policy, - We have not admitted a claim under the Policy, - You can only exercise this option on the same Life Assured as the Basic Cover,| You must meet all of the following conditions: | | :--- | | - You have not submitted a claim under the Policy, | | - We have not admitted a claim under the Policy, | | - You can only exercise this option on the same Life Assured as the Basic Cover, |
What is it? "This option allows You to increase the Sum Assured of this Supplementary Benefit during premium payment period, without proof of insurability if any of the following life stage events happen: - the Life Assured changes marital status (for e.g., marries or divorces) - the Life Assured becomes a parent by having a newborn child or legally adopts a child - the Life Assured purchases a property - the Life Assured or Life Assured's child enrols into primary, secondary or tertiary education - the Life Assured entered full-time employment within one year from tertiary graduation - the Life Assured turns 21 years old." What are the conditions? "You must meet all of the following conditions: - You have not submitted a claim under the Policy, - We have not admitted a claim under the Policy, - You can only exercise this option on the same Life Assured as the Basic Cover,"| What is it? | This option allows You to increase the Sum Assured of this Supplementary Benefit during premium payment period, without proof of insurability if any of the following life stage events happen: <br> - the Life Assured changes marital status (for e.g., marries or divorces) <br> - the Life Assured becomes a parent by having a newborn child or legally adopts a child <br> - the Life Assured purchases a property <br> - the Life Assured or Life Assured's child enrols into primary, secondary or tertiary education <br> - the Life Assured entered full-time employment within one year from tertiary graduation <br> - the Life Assured turns 21 years old. | | :---: | :---: | | What are the conditions? | You must meet all of the following conditions: <br> - You have not submitted a claim under the Policy, <br> - We have not admitted a claim under the Policy, <br> - You can only exercise this option on the same Life Assured as the Basic Cover, |

您只能在被保险人的生存期间行使此选项最多 2 次,无论您可能拥有多少提供类似选项的保单,您必须提供令人满意的证明,表明被保险人同意增加保险金额(适用于第三方保单),- 您必须在生活阶段事件发生后的 90 个日历天内提交申请,并在缴费期间内,您可以行使此选项之前没有等待期,此附加利益必须完全承保并以标准条款接受,没有任何次标准保费附加、排除或反要约,生活阶段事件必须发生在:被保险人年满 50 岁后紧接着的保单周年之前,或在联合保单的情况下,在年长的被保险人年满 50 岁后紧接着的保单周年之前,并且在此选项下可以增加的总保险金额,无论行使多少次,均不得超过:- 50 % 50 % 50%50 \% 在保单生效日期同意的此附加利益的保险金额,或每人最高限额为 500,000 新加坡元(或其在其他货币中的等值)*,以较低者为准,并且增加后的总保险金额(包括我们为同一被保险人承保的所有其他保单)不得超过当前允许的每人总和永久性残疾保障的最高保险金额限制。 *此最高限额适用于您可能拥有的所有涵盖相同被保险人的保单,无论数量如何,这些保单提供类似的选项。如果保单是联合人寿保单,则此最高限额适用于两位被保险人的总和。
You can only exercise this option up to 2 times during the lifetime of the Life Assured regardless of the number of policies You may have which offers such similar option, You must provide satisfactory proof that the Assured agrees to the increase in the Sum Assured (applies if the Policy is a third party policy), - You must submit the application within 90 calendar days after the Life Stage Event has occurred and within the premium paying period, there is no waiting period before You can exercise this option, this Supplementary Benefit must be fully underwritten and accepted at standard terms without any sub-standard premium loadings, exclusions or counter offers, the Life Stage Event must occur: before the Policy Anniversary immediately after the Life Assured turns Age 50, or in the case of joint policies, before the Policy Anniversary immediately after the older Life Assured turns Age 50, and the total Sum Assured that can be increased under this option no matter how many times it has been exercised, must not be more than: - 50% of the Sum Assured of this Supplementary Benefit agreed at Policy Effective Date, or maximum limit of SGD 500,000 per life (or its equivalent in other currencies)*, whichever is lower, and the total Sum Assured after the increase (including all other policies with Us covering the same Life Assured) must not exceed the prevailing maximum sum assured per life limit allowed for Total and Permanent Disability coverage. *This maximum limit applies regardless of the number of policies You may have covering the same Life Assured which offers such similar option. If the Policy is a joint life policy, this maximum limit applies in total for both lives.| You can only exercise this option up to 2 times during the lifetime of the Life Assured regardless of the number of policies You may have which offers such similar option, You must provide satisfactory proof that the Assured agrees to the increase in the Sum Assured (applies if the Policy is a third party policy), | | :--- | | - You must submit the application within 90 calendar days after the Life Stage Event has occurred and within the premium paying period, | | there is no waiting period before You can exercise this option, | | this Supplementary Benefit must be fully underwritten and accepted at standard terms without any sub-standard premium loadings, exclusions or counter offers, | | the Life Stage Event must occur: | | before the Policy Anniversary immediately after the Life Assured turns Age 50, or | | in the case of joint policies, before the Policy Anniversary immediately after the older Life Assured turns Age 50, and | | the total Sum Assured that can be increased under this option no matter how many times it has been exercised, must not be more than: | | - $50 \%$ of the Sum Assured of this Supplementary Benefit agreed at Policy Effective Date, or | | maximum limit of SGD 500,000 per life (or its equivalent in other currencies)*, whichever is lower, and the total Sum Assured after the increase (including all other policies with Us covering the same Life Assured) must not exceed the prevailing maximum sum assured per life limit allowed for Total and Permanent Disability coverage. | | *This maximum limit applies regardless of the number of policies You may have covering the same Life Assured which offers such similar option. If the Policy is a joint life policy, this maximum limit applies in total for both lives. |

您必须注意什么?

在您申请行使此选项获得批准后的下一个保单周年日,此附加利益的保额增加将生效。为此附加利益选择的相同保费支付期限选项将适用于保额增加的部分。此附加利益保额增加部分的剩余期限应根据被保险人在下一个保单周年日的年龄计算应支付的保费。如果索赔的死亡、诊断或残疾(如适用)发生在请求保额增加之前,我们保留取消保额增加的权利。
The increase in the Sum Assured of this Supplementary Benefit under this option will take effect on the next Policy Anniversary immediately after We approve Your application to exercise this option. Same premium payment term option selected for this Supplementary Benefit will apply to the increased portion of the Sum Assured of this Supplementary Benefit. Premium payable for the increased portion of the Sum Assured of this Supplementary Benefit for its remaining term will be calculated based on the Life Assured's Age at next Policy Anniversary. We reserve the right to void the increase in Sum Assured if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request of the increase in Sum Assured.| The increase in the Sum Assured of this Supplementary Benefit under this option will take effect on the next Policy Anniversary immediately after We approve Your application to exercise this option. | | :--- | | Same premium payment term option selected for this Supplementary Benefit will apply to the increased portion of the Sum Assured of this Supplementary Benefit. | | Premium payable for the increased portion of the Sum Assured of this Supplementary Benefit for its remaining term will be calculated based on the Life Assured's Age at next Policy Anniversary. | | We reserve the right to void the increase in Sum Assured if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request of the increase in Sum Assured. |
"You can only exercise this option up to 2 times during the lifetime of the Life Assured regardless of the number of policies You may have which offers such similar option, You must provide satisfactory proof that the Assured agrees to the increase in the Sum Assured (applies if the Policy is a third party policy), - You must submit the application within 90 calendar days after the Life Stage Event has occurred and within the premium paying period, there is no waiting period before You can exercise this option, this Supplementary Benefit must be fully underwritten and accepted at standard terms without any sub-standard premium loadings, exclusions or counter offers, the Life Stage Event must occur: before the Policy Anniversary immediately after the Life Assured turns Age 50, or in the case of joint policies, before the Policy Anniversary immediately after the older Life Assured turns Age 50, and the total Sum Assured that can be increased under this option no matter how many times it has been exercised, must not be more than: - 50% of the Sum Assured of this Supplementary Benefit agreed at Policy Effective Date, or maximum limit of SGD 500,000 per life (or its equivalent in other currencies)*, whichever is lower, and the total Sum Assured after the increase (including all other policies with Us covering the same Life Assured) must not exceed the prevailing maximum sum assured per life limit allowed for Total and Permanent Disability coverage. *This maximum limit applies regardless of the number of policies You may have covering the same Life Assured which offers such similar option. If the Policy is a joint life policy, this maximum limit applies in total for both lives." What must You take note of? "The increase in the Sum Assured of this Supplementary Benefit under this option will take effect on the next Policy Anniversary immediately after We approve Your application to exercise this option. Same premium payment term option selected for this Supplementary Benefit will apply to the increased portion of the Sum Assured of this Supplementary Benefit. Premium payable for the increased portion of the Sum Assured of this Supplementary Benefit for its remaining term will be calculated based on the Life Assured's Age at next Policy Anniversary. We reserve the right to void the increase in Sum Assured if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request of the increase in Sum Assured."| | You can only exercise this option up to 2 times during the lifetime of the Life Assured regardless of the number of policies You may have which offers such similar option, You must provide satisfactory proof that the Assured agrees to the increase in the Sum Assured (applies if the Policy is a third party policy), <br> - You must submit the application within 90 calendar days after the Life Stage Event has occurred and within the premium paying period, <br> there is no waiting period before You can exercise this option, <br> this Supplementary Benefit must be fully underwritten and accepted at standard terms without any sub-standard premium loadings, exclusions or counter offers, <br> the Life Stage Event must occur: <br> before the Policy Anniversary immediately after the Life Assured turns Age 50, or <br> in the case of joint policies, before the Policy Anniversary immediately after the older Life Assured turns Age 50, and <br> the total Sum Assured that can be increased under this option no matter how many times it has been exercised, must not be more than: <br> - $50 \%$ of the Sum Assured of this Supplementary Benefit agreed at Policy Effective Date, or <br> maximum limit of SGD 500,000 per life (or its equivalent in other currencies)*, whichever is lower, and the total Sum Assured after the increase (including all other policies with Us covering the same Life Assured) must not exceed the prevailing maximum sum assured per life limit allowed for Total and Permanent Disability coverage. <br> *This maximum limit applies regardless of the number of policies You may have covering the same Life Assured which offers such similar option. If the Policy is a joint life policy, this maximum limit applies in total for both lives. | | :---: | :---: | | What must You take note of? | The increase in the Sum Assured of this Supplementary Benefit under this option will take effect on the next Policy Anniversary immediately after We approve Your application to exercise this option. <br> Same premium payment term option selected for this Supplementary Benefit will apply to the increased portion of the Sum Assured of this Supplementary Benefit. <br> Premium payable for the increased portion of the Sum Assured of this Supplementary Benefit for its remaining term will be calculated based on the Life Assured's Age at next Policy Anniversary. <br> We reserve the right to void the increase in Sum Assured if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request of the increase in Sum Assured. |

  1. 保证可转换选项


    (适用于所有骑手条款)
它是什么?

当您行使基本保障的保证可转换选项时,此附加利益将自动转换为与新基本保障相同期限的新附加利益(在转换时可用),无需提供可保性证明。如果您选择完全转换基本保障:- 我们将把此附加利益的保险金额转换为新附加利益的保险金额,受您申请时新附加利益允许的最低和最高保险金额的限制,并且新附加利益的保险金额不得超过您行使此选项之前此附加利益的保险金额。
When you exercise the Guaranteed Convertibility Option for the Basic Cover, this Supplementary Benefit will be converted automatically to a new supplementary benefit for the same term as the new basic cover (available at the point of conversion), without proof of insurability. If You exercise this option to fully convert the Basic Cover: - We will convert the Sum Assured of this Supplementary Benefit to the sum assured of the new supplementary benefit subject to the minimum and maximum sums assured of the new supplementary benefit allowed at the time of Your application, and the sum assured of the new supplementary benefit will not be more than the Sum Assured of this Supplementary Benefit before You exercise this option.| When you exercise the Guaranteed Convertibility Option for the Basic Cover, this | | :--- | | Supplementary Benefit will be converted automatically to a new supplementary benefit for | | the same term as the new basic cover (available at the point of conversion), without proof | | of insurability. | | If You exercise this option to fully convert the Basic Cover: | | - We will convert the Sum Assured of this Supplementary Benefit to the sum assured | | of the new supplementary benefit subject to the minimum and maximum sums | | assured of the new supplementary benefit allowed at the time of Your application, | | and | | the sum assured of the new supplementary benefit will not be more than the Sum | | Assured of this Supplementary Benefit before You exercise this option. |

如果您选择部分转换基本保障:我们将根据转换的金额减少该附加利益的保障金额,但须符合该附加利益的最低保障金额,并且我们将把减少的保障金额部分转换为新附加利益的保障金额,须符合您申请时新附加利益允许的最低和最高保障金额。
If You exercise this option to partially convert the Basic Cover: We will reduce the Sum Assured of this Supplementary Benefit by the amount converted, subject to the minimum Sum Assured of this Supplementary Benefit, and We will convert the part of Sum Assured reduced to the sum assured of the new supplementary benefit subject to the minimum and maximum sums assured allowed for the new supplementary benefit at the time of Your application.| If You exercise this option to partially convert the Basic Cover: | | :--- | | We will reduce the Sum Assured of this Supplementary Benefit by the amount | | converted, subject to the minimum Sum Assured of this Supplementary Benefit, and | | We will convert the part of Sum Assured reduced to the sum assured of the new | | supplementary benefit subject to the minimum and maximum sums assured allowed | | for the new supplementary benefit at the time of Your application. |
What is it? "When you exercise the Guaranteed Convertibility Option for the Basic Cover, this Supplementary Benefit will be converted automatically to a new supplementary benefit for the same term as the new basic cover (available at the point of conversion), without proof of insurability. If You exercise this option to fully convert the Basic Cover: - We will convert the Sum Assured of this Supplementary Benefit to the sum assured of the new supplementary benefit subject to the minimum and maximum sums assured of the new supplementary benefit allowed at the time of Your application, and the sum assured of the new supplementary benefit will not be more than the Sum Assured of this Supplementary Benefit before You exercise this option." "If You exercise this option to partially convert the Basic Cover: We will reduce the Sum Assured of this Supplementary Benefit by the amount converted, subject to the minimum Sum Assured of this Supplementary Benefit, and We will convert the part of Sum Assured reduced to the sum assured of the new supplementary benefit subject to the minimum and maximum sums assured allowed for the new supplementary benefit at the time of Your application." | What is it? | When you exercise the Guaranteed Convertibility Option for the Basic Cover, this <br> Supplementary Benefit will be converted automatically to a new supplementary benefit for <br> the same term as the new basic cover (available at the point of conversion), without proof <br> of insurability. <br> If You exercise this option to fully convert the Basic Cover: <br> - We will convert the Sum Assured of this Supplementary Benefit to the sum assured <br> of the new supplementary benefit subject to the minimum and maximum sums <br> assured of the new supplementary benefit allowed at the time of Your application, <br> and <br> the sum assured of the new supplementary benefit will not be more than the Sum <br> Assured of this Supplementary Benefit before You exercise this option. | | :--- | :--- | | If You exercise this option to partially convert the Basic Cover: <br> We will reduce the Sum Assured of this Supplementary Benefit by the amount <br> converted, subject to the minimum Sum Assured of this Supplementary Benefit, and <br> We will convert the part of Sum Assured reduced to the sum assured of the new <br> supplementary benefit subject to the minimum and maximum sums assured allowed <br> for the new supplementary benefit at the time of Your application. | |

条件是什么?

您必须满足以下所有条件:- 您尚未根据此附加福利提交索赔,- 我们尚未承认根据此附加福利的索赔,- 此附加福利在保单生效日期时附加于基本保障,- 当您行使此基本保障的选项时,基本保障仍然有效,- 新附加福利的被保险人必须与此附加福利的被保险人相同,- 当此附加福利被转换时,被保险人年龄须为 65 岁或以下(如果保单为联名保单,则转换的年龄限制应基于两位被保险人中年长者的年龄),新附加福利的赔付必须是死亡赔付的提前支付,并且不得与新基本保障的死亡赔付同时支付,新附加福利必须包含与此附加福利相同的条款、排除和条件,如果此附加福利允许联名被保险人,则针对相同被保险人的新附加福利必须是:- 联名附加福利,或 - 每位被保险人享有此附加福利一半保额的新附加福利 确保如果:- 联合寿险产品不可用,并且在申请时满足新附加福利的最低和最高保障金额。
You must meet all of the following conditions: - You have not submitted a claim under this Supplementary Benefit, - We have not admitted a claim under this Supplementary Benefit, - this Supplementary Benefit is attached to the Basic Cover at Policy Effective Date, - the Basic Cover is in force when You exercise this option for the Basic Cover, - the Life Assured of the new supplementary benefit must be the same as this Supplementary Benefit, - the Life Assured is Age 65 or younger when this Supplementary Benefit is converted (if the Policy is a joint life policy, the age limit for conversion shall be based on the older Age of the 2 Lives Assured), the payout of the new supplementary benefit must be an early payout of the death benefit and is not payable in addition to the death benefit of the new basic cover, the new supplementary benefit must contain the same terms, exclusions and conditions as this Supplementary Benefit, and if this Supplementary Benefit allows for joint lives, the new supplementary benefit for the same Lives Assured must be: - a joint life Supplementary Benefit, or - new supplementary benefits with half the Sum Assured of this Supplementary Benefit for each Life Assured if: - a joint life product is unavailable, and the minimum and maximum sums assured of the new supplementary benefit allowed at the time of application is met.| You must meet all of the following conditions: | | :--- | | - You have not submitted a claim under this Supplementary Benefit, | | - We have not admitted a claim under this Supplementary Benefit, | | - this Supplementary Benefit is attached to the Basic Cover at Policy Effective Date, | | - the Basic Cover is in force when You exercise this option for the Basic Cover, | | - the Life Assured of the new supplementary benefit must be the same as this Supplementary Benefit, | | - the Life Assured is Age 65 or younger when this Supplementary Benefit is converted (if the Policy is a joint life policy, the age limit for conversion shall be based on the older Age of the 2 Lives Assured), | | the payout of the new supplementary benefit must be an early payout of the death benefit and is not payable in addition to the death benefit of the new basic cover, the new supplementary benefit must contain the same terms, exclusions and conditions as this Supplementary Benefit, and | | if this Supplementary Benefit allows for joint lives, the new supplementary benefit for the same Lives Assured must be: | | - a joint life Supplementary Benefit, or | | - new supplementary benefits with half the Sum Assured of this Supplementary Benefit for each Life Assured if: | | - a joint life product is unavailable, and the minimum and maximum sums assured of the new supplementary benefit allowed at the time of application is met. |

您必须注意什么?

部分转换将减少剩余保费支付期限内应支付的保费,原基本保障和附加保障的所有未来利益也将减少。新附加保障的应付保费将基于被保险人在转换日期的年龄和现行保费率。完全或部分转换仅在下一个保费到期日生效。新附加保障将继续适用与本附加保障开始时相同的接受条款。此选项只能行使一次,无论是完全还是部分转换。一旦转换生效,转换此附加保障的行为无法撤回。如果索赔的死亡、诊断或残疾(如适用)发生在请求将此附加保障转换为新附加保障之前,我们保留无效请求将此附加保障转换为新附加保障的权利。
A partial conversion will reduce the premium payable over the remaining premium payment term and all future benefits of the original Basic Cover and Supplementary Benefits will also be reduced. Premiums payable for the new supplementary benefit will be based on the Life Assured's Age at the date of conversion and the prevailing premium rates. Full or partial conversion can only be effective at the next premium payment due date. The same terms of acceptance as at the inception of this Supplementary Benefit will continue to apply for the new supplementary benefit. This option can only be exercised once, be it a full or partial conversion. The action to convert this Supplementary Benefit cannot be reverted once conversion is effective. We reserve the right to void the request to convert this Supplementary Benefit to a new supplementary benefit if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request to convert this Supplementary Benefit to a new supplementary benefit.| A partial conversion will reduce the premium payable over the remaining premium payment term and all future benefits of the original Basic Cover and Supplementary Benefits will also be reduced. | | :--- | | Premiums payable for the new supplementary benefit will be based on the Life Assured's Age at the date of conversion and the prevailing premium rates. | | Full or partial conversion can only be effective at the next premium payment due date. | | The same terms of acceptance as at the inception of this Supplementary Benefit will continue to apply for the new supplementary benefit. | | This option can only be exercised once, be it a full or partial conversion. The action to convert this Supplementary Benefit cannot be reverted once conversion is effective. | | We reserve the right to void the request to convert this Supplementary Benefit to a new supplementary benefit if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request to convert this Supplementary Benefit to a new supplementary benefit. |
What are the conditions? "You must meet all of the following conditions: - You have not submitted a claim under this Supplementary Benefit, - We have not admitted a claim under this Supplementary Benefit, - this Supplementary Benefit is attached to the Basic Cover at Policy Effective Date, - the Basic Cover is in force when You exercise this option for the Basic Cover, - the Life Assured of the new supplementary benefit must be the same as this Supplementary Benefit, - the Life Assured is Age 65 or younger when this Supplementary Benefit is converted (if the Policy is a joint life policy, the age limit for conversion shall be based on the older Age of the 2 Lives Assured), the payout of the new supplementary benefit must be an early payout of the death benefit and is not payable in addition to the death benefit of the new basic cover, the new supplementary benefit must contain the same terms, exclusions and conditions as this Supplementary Benefit, and if this Supplementary Benefit allows for joint lives, the new supplementary benefit for the same Lives Assured must be: - a joint life Supplementary Benefit, or - new supplementary benefits with half the Sum Assured of this Supplementary Benefit for each Life Assured if: - a joint life product is unavailable, and the minimum and maximum sums assured of the new supplementary benefit allowed at the time of application is met." What must You take note of? "A partial conversion will reduce the premium payable over the remaining premium payment term and all future benefits of the original Basic Cover and Supplementary Benefits will also be reduced. Premiums payable for the new supplementary benefit will be based on the Life Assured's Age at the date of conversion and the prevailing premium rates. Full or partial conversion can only be effective at the next premium payment due date. The same terms of acceptance as at the inception of this Supplementary Benefit will continue to apply for the new supplementary benefit. This option can only be exercised once, be it a full or partial conversion. The action to convert this Supplementary Benefit cannot be reverted once conversion is effective. We reserve the right to void the request to convert this Supplementary Benefit to a new supplementary benefit if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request to convert this Supplementary Benefit to a new supplementary benefit."| What are the conditions? | You must meet all of the following conditions: <br> - You have not submitted a claim under this Supplementary Benefit, <br> - We have not admitted a claim under this Supplementary Benefit, <br> - this Supplementary Benefit is attached to the Basic Cover at Policy Effective Date, <br> - the Basic Cover is in force when You exercise this option for the Basic Cover, <br> - the Life Assured of the new supplementary benefit must be the same as this Supplementary Benefit, <br> - the Life Assured is Age 65 or younger when this Supplementary Benefit is converted (if the Policy is a joint life policy, the age limit for conversion shall be based on the older Age of the 2 Lives Assured), <br> the payout of the new supplementary benefit must be an early payout of the death benefit and is not payable in addition to the death benefit of the new basic cover, the new supplementary benefit must contain the same terms, exclusions and conditions as this Supplementary Benefit, and <br> if this Supplementary Benefit allows for joint lives, the new supplementary benefit for the same Lives Assured must be: <br> - a joint life Supplementary Benefit, or <br> - new supplementary benefits with half the Sum Assured of this Supplementary Benefit for each Life Assured if: <br> - a joint life product is unavailable, and the minimum and maximum sums assured of the new supplementary benefit allowed at the time of application is met. | | :---: | :---: | | What must You take note of? | A partial conversion will reduce the premium payable over the remaining premium payment term and all future benefits of the original Basic Cover and Supplementary Benefits will also be reduced. <br> Premiums payable for the new supplementary benefit will be based on the Life Assured's Age at the date of conversion and the prevailing premium rates. <br> Full or partial conversion can only be effective at the next premium payment due date. <br> The same terms of acceptance as at the inception of this Supplementary Benefit will continue to apply for the new supplementary benefit. <br> This option can only be exercised once, be it a full or partial conversion. The action to convert this Supplementary Benefit cannot be reverted once conversion is effective. <br> We reserve the right to void the request to convert this Supplementary Benefit to a new supplementary benefit if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request to convert this Supplementary Benefit to a new supplementary benefit. |


6. 附加福利何时结束


此附加福利结束:

  • 当我们接受您书面请求终止时,

  • 当政策结束时,

  • 在其福利终止日期,

  • 当宽限期到期时,如果此附加利益的分期保费仍未支付,或者

  • 当我们全额支付此补充福利时,


    无论哪个是最早的。


    在本附加利益结束之前,已支付的任何分期保费均不予退还。如果我们接受您书面请求终止本附加利益,则不会有任何按比例退还的保费,并且本附加利益将从我们接受您书面请求终止之日起紧接着的保费到期日结束。


7. 索赔证明


我们有权不时要求提供持续完全和永久性残疾(TPD)的证明,即使我们已经批准了您的 TPD 福利申请。

我们将停止支付 TPD 福利,如果:

  • 我们没有收到持续 TPD 的令人满意的证明,或者

  • 被保险人能够工作或从事任何职业或行业以获取工资、报酬或利润。

如果我们因上述原因停止支付 TPD 福利,您必须继续支付分期付款


在扣除已支付的全残福利金额后,剩余保险金额的应付保费,基于福利开始日期适用的保费率。

8. 索赔


根据保单应支付的任何利益将支付给您、您的法定代表人或其他授权方(视情况而定)。在我们收到全额保费之前,我们将不对任何发生的索赔进行支付。

请联系您的财务顾问代表或访问 https://singlife.com/en/claims 以获取索赔程序。

9. 注释


上述仅为所提供计划的摘要。计划的具体条款和条件在保单合同中列出。

您可能希望在决定购买该计划之前咨询财务顾问代表的意见。如果您选择不咨询财务顾问代表,您应考虑该计划是否适合您。


10. 保单持有人保护计划


本保单受新加坡存款保险公司(SDIC)管理的保单持有人保护计划保护。您的保单自动获得保障,无需您采取进一步行动。如需了解该计划涵盖的福利类型及适用的保障限额,请与我们联系或访问 LIA 或 SDIC 网站(www.lia.org.sg 或 www.sdic.org.sg)。

附录 A


“完全和永久性残疾”或“TPD”指的是:

  • 如果被保险人年龄在 18 岁及以下:

一种永久性失能状态,在这种状态下,被保险人被限制在家中、医院或机构中,至少需要连续 6 个月的持续护理和医疗关注。

  • 如果被保险人年龄在 19 至 65 岁之间:

  • 一种完全和永久的残疾,持续至少 6 个月,且被保险人无法从残疾开始时起进行任何工作或从事任何职业以赚取或获得工资、赔偿或利润

  • 被保险人因疾病、病痛或伤害完全和永久无法进行至少 6 项“日常生活活动”中的 3 项(尽管有特殊设备的帮助),并且在整个活动中需要他人的身体协助,持续至少 6 个月。

  • 如果被保险人年龄在 66 至 70 岁:

被保险人因疾病、病痛或伤害完全且永久无法进行至少 6 项“日常生活活动”中的 2 项(即使有特殊设备的帮助),并且在整个活动中需要他人的身体协助,持续至少 6 个月。

  • 对于任何年龄的被保险人:

被保险人已遭受完全且不可恢复的损失:

  • 双眼失明,

  • 一只眼睛失明,以及因截肢或失去使用能力而导致的一个肢体在踝关节或手腕以上的损失,或

  • 因解雇或使用损失造成的损失:

  • 双手在手腕处或以上,

  • 双脚在脚踝处或以上,或

  • 一只手在手腕处或以上,一只脚在脚踝处或以上。

注册医疗从业者必须首先确认并证明完全和永久性残疾的诊断,然后我们才能接受 TPD 福利的索赔。


“日常生活活动”是指以下内容:

  • 穿衣 - 穿上、脱下、固定和解开所有衣物的能力,以及在适当情况下,任何支架、假肢或其他外科器械

  • 喂养 - 一旦食物准备好并可用,自己进食的能力,

  • 流动性 - 在平坦的表面上从一个房间移动到另一个房间的能力

  • 如厕 - 使用卫生间或以其他方式管理肠道和膀胱功能的能力,以维持令人满意的个人卫生水平

  • 转移 - 从床上移动到直立椅或轮椅的能力,反之亦然

  • 洗澡 - 在浴缸或淋浴中洗澡的能力(包括进出浴缸或淋浴)或通过其他方式满意地洗澡

1. 特点


这是一项非参与型的附加保障,提供在保障期内对任何一种覆盖的重大疾病的保护。该附加保障加速了与其附加的保单的身故保障。该附加保障没有现金价值。

该附加福利的保费率为固定水平,但不保证,并可能根据未来的经验进行调整。

这不是一个 Medisave 批准的政策,您不能使用 Medisave 支付此附加福利的保费。

2. 好处


只有在我们收到令人满意的证明并批准任何索赔后,才会支付福利。


在我们支付任何福利之前,我们将扣除该保单年度剩余的应付保费和应付给我们的任何款项。

建议您阅读保单合同以获取完整的除外条款列表。


2.1. 重疾福利 (CI 福利)


有关我们覆盖的所有重大疾病的完整列表,请参阅第 2.2 节。
我们支付的费用

CI 保险金将为 100 % 100 % 100%100 \% 的保额

此补充福利。然而,如果我们有

在早期索赔中支付了部分 CI 福利,仅此而已

剩余的 CI 福利应支付。

如果被保险人被诊断出患有任何疾病

第 2.2 节中的重大疾病,除血管成形术外

& 其他冠状动脉侵入性治疗,我们

将一次性支付 CI 福利,作为提前支付

死亡赔偿金的支付。

如果被保险人接受血管成形术及其他治疗

冠状动脉侵入性治疗,我们将支付:
What We Pay The CI Benefit will be 100% of the Sum Assured of this Supplementary Benefit. However, if We have paid part of the CI Benefit in an earlier claim, only the remaining CI Benefit shall be payable. If the Life Assured is diagnosed with any of the Critical Illnesses in Section 2.2 except Angioplasty & Other Invasive Treatment for Coronary Artery, We will pay the CI Benefit in one lump sum, as an early payout of the Death Benefit. If the Life Assured undergoes Angioplasty & Other Invasive Treatment for Coronary Artery, We will pay:| What We Pay | | :--- | | The CI Benefit will be $100 \%$ of the Sum Assured of | | this Supplementary Benefit. However, if We have | | paid part of the CI Benefit in an earlier claim, only | | the remaining CI Benefit shall be payable. | | If the Life Assured is diagnosed with any of the | | Critical Illnesses in Section 2.2 except Angioplasty | | & Other Invasive Treatment for Coronary Artery, We | | will pay the CI Benefit in one lump sum, as an early | | payout of the Death Benefit. | | If the Life Assured undergoes Angioplasty & Other | | Invasive Treatment for Coronary Artery, We will pay: |

(a) 10 % 10 % 10%10 \% 的 CI 福利,或


(b) S $ 25 , 000 S $ 25 , 000 S$25,000\mathrm{S} \$ 25,000 (或其在其他货币中的等值)


作为死亡赔付的提前支付,以较低者为准。

我们将仅为冠状动脉的血管成形术和其他侵入性治疗支付一次。支付冠状动脉的血管成形术和其他侵入性治疗后,身故保险金和重大疾病保险金将相应减少。

我们将仅支付任何后续重大疾病索赔的剩余 CI 福利(心脏血管成形术和其他冠状动脉侵入性治疗除外)。

由于 Cl 利益是死亡利益的提前支付,如果我们在早期索赔中支付了部分死亡利益,并且这导致死亡利益低于该附加利益的保额,我们将:

  • 将此附加利益的保额减少至与身故保险金相等的金额,且

我们将不支付因以下原因直接或间接、全部或部分导致或引起的重大疾病 CI 赔付:

  • 自我造成的疾病或伤害,无论是在清醒还是精神失常状态下,

  • 故意滥用药物或酒精,无论是理智还是失去理智,

  • 获得性免疫缺陷综合症(艾滋病)或通过其他方式感染人类免疫缺陷病毒(HIV),而非通过血液输血和职业性获得 HIV

  • 任何既往病症。


    “既往病症”是指在以下时间之前,任何已存在或正在存在的病症或疾病,或其原因或症状已存在或正在存在或明显的,或被保险人曾经或正在遭受的任何病症或疾病:
  • 政策发行日期,

  • 本附加福利的发行日期,

  • 本附加福利的福利开始日期,或

  • 该附加福利的恢复日期,


    无论哪个是最新的,除非该情况或疾病已被我们声明并接受。

等待期


如果被保险人被诊断为以下情况,我们将不支付 Cl 福利:

  • 特定严重程度的心脏病发作,
  • 主要癌症,

  • 其他严重冠状动脉疾病,或

  • 冠状动脉疾病导致冠状动脉旁路手术或血管成形术及其他冠状动脉侵入性治疗的实施

  • 该附加福利的 CL 福利将基于减少后的保障总额。

如果该附加利益的保险金额减少至修订后的身故保险金额,保费将相应减少,您只需支付减少后的保费(我们会通知您)即可获得剩余的利益。

重大疾病必须由注册医疗从业者诊断。


在 90 天内:

  • 政策发行日期,

  • 本附加福利的发行日期,

  • 本附加福利的福利开始日期,

  • 该补充福利的恢复日期,

  • 如果您行使保证发行选项(如适用),则增加保额的背书的发行日期,或者

  • 您行使保证发行选项后,保险金额增加生效的日期(如适用)


    最新的。


2.2. 关键疾病列表^ ^{ }^{\wedge}

  1. 主要癌症

  2. 特定严重程度的心脏病发作

  3. 中风伴永久性神经功能缺损

  4. 冠状动脉旁路手术

  5. 终末期肾衰竭

  6. 不可逆性再生障碍性贫血

  7. 终末期肺病

  8. 终末期肝衰竭
  9. 昏迷

  10. 失聪(不可逆的听力丧失)

  11. 开放式胸腔心脏瓣膜手术

  12. 不可逆的语言丧失
  13. 主要烧伤

  14. 主要器官 / 骨髓移植
  15. 多发性硬化症
  16. 肌肉萎缩症

  17. 特发性帕金森病

  18. 开放胸部手术至主动脉

  19. 阿尔茨海默病 / 重度痴呆
  20. 暴发性肝炎
  21. 运动神经元疾病

  22. 原发性肺动脉高压

  23. 因输血而感染的 HIV 和职业性获得的 HIV
  24. 良性脑肿瘤
  25. 重度脑炎

  26. 严重细菌性脑膜炎

  27. 失明(不可逆的视力丧失)
  28. 重大头部创伤

  29. 瘫痪(肢体不可逆转的失用)
  30. 进行性硬皮病

  31. 持续植物状态(无反应综合症)

  32. 系统性红斑狼疮伴狼疮性肾炎

  33. 其他严重冠状动脉疾病
  34. 小儿麻痹症

  35. 失去独立存在

  36. 冠状动脉的血管成形术及其他侵入性治疗


    新加坡人寿保险协会(LIA)对 37 种重症疾病(2019 年版)有标准定义。这些重症疾病属于 2019 年版。您可以参考 www.lia.org.sg 获取标准定义(2019 年版)。

  37. 保证可再生选项


    (仅适用于附带保证可续期选项的 5 年和 10 年定期计划的附加条款)
它是什么?

如果附加的基本保障具有保证可续保选项,则该选项允许您在保障终止日期后自动续保此附加利益,连同附加的基本保障,续保期限与现有保单期限相同,无需提供可保性证明。
Where the attached Basic Cover has Guaranteed Renewable Option, this option allows You to renew this Supplementary Benefit together with the attached Basic Cover automatically from the Benefit Cessation Date for the same duration of the existing policy term, without proof of insurability.| Where the attached Basic Cover has Guaranteed Renewable Option, this option allows | | :--- | | You to renew this Supplementary Benefit together with the attached Basic Cover | | automatically from the Benefit Cessation Date for the same duration of the existing policy | | term, without proof of insurability. |

条件是什么?
What are the conditions?| What are | | :--- | | the | | conditions? |

您必须在基本保障的福利终止日期满足以下所有条件:此附加福利和基本保障均有效,- - 此附加福利在保单生效日期附加于基本保障,此附加福利在保单生效日期与基本保障具有相同的附加福利期限,受保人续保时年龄为 75 岁或以下(如果保单为联名保单,则续保的年龄限制必须基于两者中较大的年龄)
You must meet all of the following conditions on the Benefit Cessation Date of the Basic Cover: both this Supplementary Benefit and the Basic Cover are in force, - - this Supplementary Benefit is attached to the Basic Cover at Policy Effective Date, this Supplementary Benefit has the same Supplementary Benefit term as the Basic Cover at Policy Effective Date, the Life Assured is Age 75 or younger upon renewal of the Basic Cover (if the Policy is a joint life policy, the age limit for renewal must be based on the older Age of the 2| You must meet all of the following conditions on the Benefit Cessation Date of the Basic | | :--- | | Cover: | | both this Supplementary Benefit and the Basic Cover are in force, | | - | | - this Supplementary Benefit is attached to the Basic Cover at Policy Effective Date, | | this Supplementary Benefit has the same Supplementary Benefit term as the Basic | | Cover at Policy Effective Date, | | the Life Assured is Age 75 or younger upon renewal of the Basic Cover (if the Policy | | is a joint life policy, the age limit for renewal must be based on the older Age of the 2 |

被保险人于本附加利益的利益终止日期,所投保的金额与保障金额相同或更少,并且我们尚未承认在本附加利益下的任何索赔。
Lives Assured), the Life Assured is insured for the same Sum Assured or less on the Benefit Cessation Date of this Supplementary Benefit, and We have not admitted any claim under this Supplementary Benefit.| Lives Assured), | | :--- | | the Life Assured is insured for the same Sum Assured or less on the Benefit | | Cessation Date of this Supplementary Benefit, and | | We have not admitted any claim under this Supplementary Benefit. |
What is it? "Where the attached Basic Cover has Guaranteed Renewable Option, this option allows You to renew this Supplementary Benefit together with the attached Basic Cover automatically from the Benefit Cessation Date for the same duration of the existing policy term, without proof of insurability." "What are the conditions?" "You must meet all of the following conditions on the Benefit Cessation Date of the Basic Cover: both this Supplementary Benefit and the Basic Cover are in force, - - this Supplementary Benefit is attached to the Basic Cover at Policy Effective Date, this Supplementary Benefit has the same Supplementary Benefit term as the Basic Cover at Policy Effective Date, the Life Assured is Age 75 or younger upon renewal of the Basic Cover (if the Policy is a joint life policy, the age limit for renewal must be based on the older Age of the 2" "Lives Assured), the Life Assured is insured for the same Sum Assured or less on the Benefit Cessation Date of this Supplementary Benefit, and We have not admitted any claim under this Supplementary Benefit." | What is it? | Where the attached Basic Cover has Guaranteed Renewable Option, this option allows <br> You to renew this Supplementary Benefit together with the attached Basic Cover <br> automatically from the Benefit Cessation Date for the same duration of the existing policy <br> term, without proof of insurability. | | :--- | :--- | :--- | | What are <br> the <br> conditions? | You must meet all of the following conditions on the Benefit Cessation Date of the Basic <br> Cover: <br> both this Supplementary Benefit and the Basic Cover are in force, <br> - <br> - this Supplementary Benefit is attached to the Basic Cover at Policy Effective Date, <br> this Supplementary Benefit has the same Supplementary Benefit term as the Basic <br> Cover at Policy Effective Date, <br> the Life Assured is Age 75 or younger upon renewal of the Basic Cover (if the Policy <br> is a joint life policy, the age limit for renewal must be based on the older Age of the 2 | | Lives Assured), <br> the Life Assured is insured for the same Sum Assured or less on the Benefit <br> Cessation Date of this Supplementary Benefit, and <br> We have not admitted any claim under this Supplementary Benefit. | |
E&O.E

您必须注意什么?
What must You take note of?| What must | | :--- | :--- | | You take | | note of? |

本附加福利开始时的接受条款将在每个续期中继续适用。
The same terms of acceptance as at the inception of this Supplementary Benefit will continue to apply for each renewed term.| The same terms of acceptance as at the inception of this Supplementary Benefit will | | :--- | | continue to apply for each renewed term. |

续保此附加利益的保费将根据被保险人在续保时的年龄计算,使用续保时的现行保费率。续保保费应以保单生效时选择的相同合同货币支付。
Premiums payable for the renewal of this Supplementary Benefit will be calculated based on the Life Assured's Age at date of renewal, using prevailing premium rates at the time of renewal. The renewal premiums shall be payable in the same contract currency chosen at policy inception.| Premiums payable for the renewal of this Supplementary Benefit will be calculated based | | :--- | | on the Life Assured's Age at date of renewal, using prevailing premium rates at the time of | | renewal. The renewal premiums shall be payable in the same contract currency chosen at | | policy inception. |
"What must You take note of?" "The same terms of acceptance as at the inception of this Supplementary Benefit will continue to apply for each renewed term." "Premiums payable for the renewal of this Supplementary Benefit will be calculated based on the Life Assured's Age at date of renewal, using prevailing premium rates at the time of renewal. The renewal premiums shall be payable in the same contract currency chosen at policy inception." | What must <br> You take <br> note of? | The same terms of acceptance as at the inception of this Supplementary Benefit will <br> continue to apply for each renewed term. | | :--- | :--- | | Premiums payable for the renewal of this Supplementary Benefit will be calculated based <br> on the Life Assured's Age at date of renewal, using prevailing premium rates at the time of <br> renewal. The renewal premiums shall be payable in the same contract currency chosen at <br> policy inception. | |


4. 生命阶段事件的保证发行选项

它是什么?

此选项允许您在保费支付期间增加此附加利益的保险金额,而无需提供保险可保性证明,前提是发生以下任何生活阶段事件:- 被保险人更改婚姻状态(例如,结婚或离婚) - 被保险人通过生育新生儿或合法收养孩子成为父母 - 被保险人购买房产 - 被保险人或被保险人的孩子入读小学、中学或高等教育 - 被保险人在高等教育毕业后一年内进入全职工作 - 被保险人年满 21 岁。
This option allows You to increase the Sum Assured of this Supplementary Benefit during premium payment period, without proof of insurability if any of the following life stage events happen: - the Life Assured changes marital status (for e.g., marries or divorces) - the Life Assured becomes a parent by having a newborn child or legally adopts a child - the Life Assured purchases a property - the Life Assured or Life Assured's child enrols into primary, secondary or tertiary education - the Life Assured entered full-time employment within one year from tertiary graduation - the Life Assured turns 21 years old.| This option allows You to increase the Sum Assured of this Supplementary Benefit during premium payment period, without proof of insurability if any of the following life stage events happen: | | :--- | | - the Life Assured changes marital status (for e.g., marries or divorces) | | - the Life Assured becomes a parent by having a newborn child or legally adopts a child | | - the Life Assured purchases a property | | - the Life Assured or Life Assured's child enrols into primary, secondary or tertiary education | | - the Life Assured entered full-time employment within one year from tertiary graduation | | - the Life Assured turns 21 years old. |

条件是什么?

您必须满足以下所有条件:您未根据保单提交索赔,我们未承认保单下的索赔,您只能在与基本保障相同的被保险人身上行使此选项,您只能在被保险人终身内最多行使此选项 2 次,无论您可能拥有多少提供类似选项的保单,您必须提供令人满意的证明,表明被保险人同意增加保险金额(适用于第三方保单),您必须在生活阶段事件发生后的 90 个日历天内提交申请,并在缴费期间内,您可以行使此选项之前没有等待期,此附加利益必须完全承保并以标准条款接受,没有任何低于标准的保费附加、排除或反要约,生活阶段事件必须发生在:被保险人年满 50 岁后的保单周年之前,或在联合保单的情况下,在年长的被保险人年满 50 岁后的保单周年之前,并且在此选项下可以增加的总保险金额,无论行使多少次,必须不超过: 50 % 50 % 50%50 \% 在保单生效日期同意的此附加利益的保险金额,或每位被保险人的最高限额为 SGD 100,000(或其在其他货币中的等值)*,以较低者为准,并且增加后的总保险金额(包括我们为同一被保险人承保的所有其他保单)不得超过当前允许的重大疾病保障每位被保险人的最高保险金额限制。 *此最高限额适用于您可能拥有的所有涵盖相同被保险人的保单,无论数量如何,这些保单提供类似的选项。如果保单是联合人寿保单,则此最高限额适用于两位被保险人的总和。
You must meet all of the following conditions: You have not submitted a claim under the Policy, We have not admitted a claim under the Policy, You can only exercise this option on the same Life Assured as the Basic Cover, You can only exercise this option up to 2 times during the lifetime of the Life Assured regardless of the number of policies You may have which offers such similar option, You must provide satisfactory proof that the Assured agrees to the increase in the Sum Assured (applies if the Policy is a third party policy), You must submit the application within 90 calendar days after the Life Stage Event has occurred and within the premium paying period, there is no waiting period before You can exercise this option, this Supplementary Benefit must be fully underwritten and accepted at standard terms without any sub-standard premium loadings, exclusions or counter offers, the Life Stage Event must occur: before the Policy Anniversary immediately after the Life Assured turns Age 50, or in the case of joint policies, before the Policy Anniversary immediately after the older Life Assured turns Age 50, and the total Sum Assured that can be increased under this option no matter how many times it has been exercised, must not be more than: 50% of the Sum Assured of this Supplementary Benefit agreed at Policy Effective Date, or maximum limit of SGD 100,000 per life (or its equivalent in other currencies)*, whichever is lower, and the total Sum Assured after the increase (including all other policies with Us covering the same Life Assured) must not exceed the prevailing maximum sum assured per life limit allowed for Critical Illness coverage. *This maximum limit applies regardless of the number of policies You may have covering the same Life Assured which offers such similar option. If the Policy is a joint life policy, this maximum limit applies in total for both lives.| You must meet all of the following conditions: | | :--- | | You have not submitted a claim under the Policy, We have not admitted a claim under the Policy, | | You can only exercise this option on the same Life Assured as the Basic Cover, You can only exercise this option up to 2 times during the lifetime of the Life Assured regardless of the number of policies You may have which offers such similar option, You must provide satisfactory proof that the Assured agrees to the increase in the Sum Assured (applies if the Policy is a third party policy), | | You must submit the application within 90 calendar days after the Life Stage Event has occurred and within the premium paying period, | | there is no waiting period before You can exercise this option, | | this Supplementary Benefit must be fully underwritten and accepted at standard terms without any sub-standard premium loadings, exclusions or counter offers, the Life Stage Event must occur: | | before the Policy Anniversary immediately after the Life Assured turns Age 50, or | | in the case of joint policies, before the Policy Anniversary immediately after the older Life Assured turns Age 50, and | | the total Sum Assured that can be increased under this option no matter how many times it has been exercised, must not be more than: | | $50 \%$ of the Sum Assured of this Supplementary Benefit agreed at Policy Effective Date, or | | maximum limit of SGD 100,000 per life (or its equivalent in other currencies)*, whichever is lower, and the total Sum Assured after the increase (including all other policies with Us covering the same Life Assured) must not exceed the prevailing maximum sum assured per life limit allowed for Critical Illness coverage. | | *This maximum limit applies regardless of the number of policies You may have covering the same Life Assured which offers such similar option. If the Policy is a joint life policy, this maximum limit applies in total for both lives. |

您必须注意什么?

在您申请行使此选项获得批准后的下一个保单周年日,此附加利益的保额增加将生效。附加利益增加部分的保费将在其剩余期限内根据下一个保单周年日的被保险人年龄计算。如果索赔的死亡、诊断或残疾(如适用)发生在保额增加请求之前,我们保留取消保额增加的权利。
The increase in the Sum Assured of this Supplementary Benefit under this option will take effect on the next Policy Anniversary immediately after We approve Your application to exercise this option. Premium payable for the increased portion of the Sum Assured of this Supplementary Benefit for its remaining term will be calculated based on the Life Assured's Age at next Policy Anniversary. We reserve the right to void the increase in Sum Assured if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request of the increase in Sum Assured.| The increase in the Sum Assured of this Supplementary Benefit under this option will take effect on the next Policy Anniversary immediately after We approve Your application to exercise this option. | | :--- | | Premium payable for the increased portion of the Sum Assured of this Supplementary Benefit for its remaining term will be calculated based on the Life Assured's Age at next Policy Anniversary. | | We reserve the right to void the increase in Sum Assured if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request of the increase in Sum Assured. |
What is it? "This option allows You to increase the Sum Assured of this Supplementary Benefit during premium payment period, without proof of insurability if any of the following life stage events happen: - the Life Assured changes marital status (for e.g., marries or divorces) - the Life Assured becomes a parent by having a newborn child or legally adopts a child - the Life Assured purchases a property - the Life Assured or Life Assured's child enrols into primary, secondary or tertiary education - the Life Assured entered full-time employment within one year from tertiary graduation - the Life Assured turns 21 years old." What are the conditions? "You must meet all of the following conditions: You have not submitted a claim under the Policy, We have not admitted a claim under the Policy, You can only exercise this option on the same Life Assured as the Basic Cover, You can only exercise this option up to 2 times during the lifetime of the Life Assured regardless of the number of policies You may have which offers such similar option, You must provide satisfactory proof that the Assured agrees to the increase in the Sum Assured (applies if the Policy is a third party policy), You must submit the application within 90 calendar days after the Life Stage Event has occurred and within the premium paying period, there is no waiting period before You can exercise this option, this Supplementary Benefit must be fully underwritten and accepted at standard terms without any sub-standard premium loadings, exclusions or counter offers, the Life Stage Event must occur: before the Policy Anniversary immediately after the Life Assured turns Age 50, or in the case of joint policies, before the Policy Anniversary immediately after the older Life Assured turns Age 50, and the total Sum Assured that can be increased under this option no matter how many times it has been exercised, must not be more than: 50% of the Sum Assured of this Supplementary Benefit agreed at Policy Effective Date, or maximum limit of SGD 100,000 per life (or its equivalent in other currencies)*, whichever is lower, and the total Sum Assured after the increase (including all other policies with Us covering the same Life Assured) must not exceed the prevailing maximum sum assured per life limit allowed for Critical Illness coverage. *This maximum limit applies regardless of the number of policies You may have covering the same Life Assured which offers such similar option. If the Policy is a joint life policy, this maximum limit applies in total for both lives." What must You take note of? "The increase in the Sum Assured of this Supplementary Benefit under this option will take effect on the next Policy Anniversary immediately after We approve Your application to exercise this option. Premium payable for the increased portion of the Sum Assured of this Supplementary Benefit for its remaining term will be calculated based on the Life Assured's Age at next Policy Anniversary. We reserve the right to void the increase in Sum Assured if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request of the increase in Sum Assured."| What is it? | This option allows You to increase the Sum Assured of this Supplementary Benefit during premium payment period, without proof of insurability if any of the following life stage events happen: <br> - the Life Assured changes marital status (for e.g., marries or divorces) <br> - the Life Assured becomes a parent by having a newborn child or legally adopts a child <br> - the Life Assured purchases a property <br> - the Life Assured or Life Assured's child enrols into primary, secondary or tertiary education <br> - the Life Assured entered full-time employment within one year from tertiary graduation <br> - the Life Assured turns 21 years old. | | :---: | :---: | | What are the conditions? | You must meet all of the following conditions: <br> You have not submitted a claim under the Policy, We have not admitted a claim under the Policy, <br> You can only exercise this option on the same Life Assured as the Basic Cover, You can only exercise this option up to 2 times during the lifetime of the Life Assured regardless of the number of policies You may have which offers such similar option, You must provide satisfactory proof that the Assured agrees to the increase in the Sum Assured (applies if the Policy is a third party policy), <br> You must submit the application within 90 calendar days after the Life Stage Event has occurred and within the premium paying period, <br> there is no waiting period before You can exercise this option, <br> this Supplementary Benefit must be fully underwritten and accepted at standard terms without any sub-standard premium loadings, exclusions or counter offers, the Life Stage Event must occur: <br> before the Policy Anniversary immediately after the Life Assured turns Age 50, or <br> in the case of joint policies, before the Policy Anniversary immediately after the older Life Assured turns Age 50, and <br> the total Sum Assured that can be increased under this option no matter how many times it has been exercised, must not be more than: <br> $50 \%$ of the Sum Assured of this Supplementary Benefit agreed at Policy Effective Date, or <br> maximum limit of SGD 100,000 per life (or its equivalent in other currencies)*, whichever is lower, and the total Sum Assured after the increase (including all other policies with Us covering the same Life Assured) must not exceed the prevailing maximum sum assured per life limit allowed for Critical Illness coverage. <br> *This maximum limit applies regardless of the number of policies You may have covering the same Life Assured which offers such similar option. If the Policy is a joint life policy, this maximum limit applies in total for both lives. | | What must You take note of? | The increase in the Sum Assured of this Supplementary Benefit under this option will take effect on the next Policy Anniversary immediately after We approve Your application to exercise this option. <br> Premium payable for the increased portion of the Sum Assured of this Supplementary Benefit for its remaining term will be calculated based on the Life Assured's Age at next Policy Anniversary. <br> We reserve the right to void the increase in Sum Assured if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request of the increase in Sum Assured. |

  1. 保证可转换选项(适用于所有附加条款)
它是什么?

当您行使基本保障的保证可转换选项时,此附加利益将自动转换为与新基本保障相同期限的新附加利益(在转换时可用),无需提供可保性证明。如果您选择完全转换基本保障:我们将把此附加利益的保险金额转换为新附加利益的保险金额,受您申请时新附加利益允许的最低和最高保险金额的限制,并且 - 新附加利益的保险金额不得超过您行使此选项之前此附加利益的保险金额。如果您选择部分转换基本保障: - 我们将根据转换的金额减少此附加利益的保险金额,受此附加利益的最低保险金额的限制,并且 - 我们将把减少的保险金额部分转换为新附加利益的保险金额,受您申请时新附加利益允许的最低和最高保险金额的限制。
When you exercise the Guaranteed Convertibility Option for the Basic Cover, this Supplementary Benefit will be converted automatically to a new supplementary benefit for the same term as the new basic cover (available at the point of conversion), without proof of insurability. If You exercise this option to fully convert the Basic Cover: We will convert the Sum Assured of this Supplementary Benefit to the sum assured of the new supplementary benefit subject to the minimum and maximum sums assured of the new supplementary benefit allowed at the time of Your application, and - the sum assured of the new supplementary benefit will not be more than the Sum Assured of this Supplementary Benefit before You exercise this option. If You exercise this option to partially convert the Basic Cover: - We will reduce the Sum Assured of this Supplementary Benefit by the amount converted, subject to the minimum Sum Assured of this Supplementary Benefit, and - We will convert the part of Sum Assured reduced to the sum assured of the new supplementary benefit subject to the minimum and maximum sums assured allowed for the new supplementary benefit at the time of Your application.| When you exercise the Guaranteed Convertibility Option for the Basic Cover, this Supplementary Benefit will be converted automatically to a new supplementary benefit for the same term as the new basic cover (available at the point of conversion), without proof of insurability. | | :--- | | If You exercise this option to fully convert the Basic Cover: | | We will convert the Sum Assured of this Supplementary Benefit to the sum assured of the new supplementary benefit subject to the minimum and maximum sums assured of the new supplementary benefit allowed at the time of Your application, and | | - the sum assured of the new supplementary benefit will not be more than the Sum Assured of this Supplementary Benefit before You exercise this option. | | If You exercise this option to partially convert the Basic Cover: | | - We will reduce the Sum Assured of this Supplementary Benefit by the amount converted, subject to the minimum Sum Assured of this Supplementary Benefit, and | | - We will convert the part of Sum Assured reduced to the sum assured of the new supplementary benefit subject to the minimum and maximum sums assured allowed for the new supplementary benefit at the time of Your application. |

条件是什么?

您必须满足以下所有条件:您未根据此附加福利提交索赔,我们未承认此附加福利的索赔,此附加福利在保单生效日附加于基本保障,您在行使此基本保障选项时基本保障处于有效状态,新附加福利的被保险人必须与此附加福利的被保险人相同,转换此附加福利时被保险人年龄为 65 岁或以下(如果保单为联名保单,则转换的年龄限制应基于两位被保险人中年长者的年龄),新附加福利的支付必须是死亡利益的提前支付,并且不得与新基本保障的死亡利益同时支付,新附加福利必须包含与此附加福利相同的条款、排除和条件,如果此附加福利允许联名被保险人,则针对相同被保险人的新附加福利必须是:- 联名附加福利,或 - 每位被保险人享有此附加福利的保险金额一半的新附加福利,如果: 联合寿险产品不可用,并且在申请时满足新附加福利的最低和最高保障金额。
You must meet all of the following conditions: You have not submitted a claim under this Supplementary Benefit, We have not admitted a claim under this Supplementary Benefit, this Supplementary Benefit is attached to the Basic Cover at Policy Effective Date, the Basic Cover is in force when You exercise this option for the Basic Cover, the Life Assured of the new supplementary benefit must be the same as this Supplementary Benefit, the Life Assured is Age 65 or younger when this Supplementary Benefit is converted (if the Policy is a joint life policy, the age limit for conversion shall be based on the older Age of the 2 Lives Assured), the payout of the new supplementary benefit must be an early payout of the death benefit and is not payable in addition to the death benefit of the new basic cover, the new supplementary benefit must contain the same terms, exclusions and conditions as this Supplementary Benefit, and if this Supplementary Benefit allows for joint lives, the new supplementary benefit for the same Lives Assured must be: - a joint life Supplementary Benefit, or - new supplementary benefits with half the Sum Assured of this Supplementary Benefit for each Life Assured if: a joint life product is unavailable, and the minimum and maximum sums assured of the new supplementary benefit allowed at the time of application is met.| You must meet all of the following conditions: | | :--- | | You have not submitted a claim under this Supplementary Benefit, | | We have not admitted a claim under this Supplementary Benefit, this Supplementary Benefit is attached to the Basic Cover at Policy Effective Date, the Basic Cover is in force when You exercise this option for the Basic Cover, | | the Life Assured of the new supplementary benefit must be the same as this Supplementary Benefit, | | the Life Assured is Age 65 or younger when this Supplementary Benefit is converted (if the Policy is a joint life policy, the age limit for conversion shall be based on the older Age of the 2 Lives Assured), | | the payout of the new supplementary benefit must be an early payout of the death benefit and is not payable in addition to the death benefit of the new basic cover, the new supplementary benefit must contain the same terms, exclusions and conditions as this Supplementary Benefit, and | | if this Supplementary Benefit allows for joint lives, the new supplementary benefit for the same Lives Assured must be: | | - a joint life Supplementary Benefit, or | | - new supplementary benefits with half the Sum Assured of this Supplementary | | Benefit for each Life Assured if: | | a joint life product is unavailable, and | | the minimum and maximum sums assured of the new supplementary benefit allowed at the time of application is met. |

您必须注意什么?

部分转换将减少剩余保费支付期限内应支付的保费,原基本保障和附加保障的所有未来利益也将减少。新附加保障的应付保费将基于被保险人在转换日期的年龄和现行保费率。完全或部分转换仅在下一个保费到期日生效。新附加保障将继续适用与本附加保障开始时相同的接受条款。此选项只能行使一次,无论是完全还是部分转换。一旦转换生效,转换此附加保障的行为无法撤回。如果索赔的死亡、诊断或残疾(如适用)发生在请求将此附加保障转换为新附加保障之前,我们保留无效请求将此附加保障转换为新附加保障的权利。
A partial conversion will reduce the premium payable over the remaining premium payment term and all future benefits of the original Basic Cover and Supplementary Benefits will also be reduced. Premiums payable for the new supplementary benefit will be based on the Life Assured's Age at the date of conversion and the prevailing premium rates. Full or partial conversion can only be effective at the next premium payment due date. The same terms of acceptance as at the inception of this Supplementary Benefit will continue to apply for the new supplementary benefit. This option can only be exercised once, be it a full or partial conversion. The action to convert this Supplementary Benefit cannot be reverted once conversion is effective. We reserve the right to void the request to convert this Supplementary Benefit to a new supplementary benefit if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request to convert this Supplementary Benefit to a new supplementary benefit.| A partial conversion will reduce the premium payable over the remaining premium payment term and all future benefits of the original Basic Cover and Supplementary Benefits will also be reduced. | | :--- | | Premiums payable for the new supplementary benefit will be based on the Life Assured's Age at the date of conversion and the prevailing premium rates. | | Full or partial conversion can only be effective at the next premium payment due date. | | The same terms of acceptance as at the inception of this Supplementary Benefit will continue to apply for the new supplementary benefit. | | This option can only be exercised once, be it a full or partial conversion. The action to convert this Supplementary Benefit cannot be reverted once conversion is effective. | | We reserve the right to void the request to convert this Supplementary Benefit to a new supplementary benefit if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request to convert this Supplementary Benefit to a new supplementary benefit. |
What is it? "When you exercise the Guaranteed Convertibility Option for the Basic Cover, this Supplementary Benefit will be converted automatically to a new supplementary benefit for the same term as the new basic cover (available at the point of conversion), without proof of insurability. If You exercise this option to fully convert the Basic Cover: We will convert the Sum Assured of this Supplementary Benefit to the sum assured of the new supplementary benefit subject to the minimum and maximum sums assured of the new supplementary benefit allowed at the time of Your application, and - the sum assured of the new supplementary benefit will not be more than the Sum Assured of this Supplementary Benefit before You exercise this option. If You exercise this option to partially convert the Basic Cover: - We will reduce the Sum Assured of this Supplementary Benefit by the amount converted, subject to the minimum Sum Assured of this Supplementary Benefit, and - We will convert the part of Sum Assured reduced to the sum assured of the new supplementary benefit subject to the minimum and maximum sums assured allowed for the new supplementary benefit at the time of Your application." What are the conditions? "You must meet all of the following conditions: You have not submitted a claim under this Supplementary Benefit, We have not admitted a claim under this Supplementary Benefit, this Supplementary Benefit is attached to the Basic Cover at Policy Effective Date, the Basic Cover is in force when You exercise this option for the Basic Cover, the Life Assured of the new supplementary benefit must be the same as this Supplementary Benefit, the Life Assured is Age 65 or younger when this Supplementary Benefit is converted (if the Policy is a joint life policy, the age limit for conversion shall be based on the older Age of the 2 Lives Assured), the payout of the new supplementary benefit must be an early payout of the death benefit and is not payable in addition to the death benefit of the new basic cover, the new supplementary benefit must contain the same terms, exclusions and conditions as this Supplementary Benefit, and if this Supplementary Benefit allows for joint lives, the new supplementary benefit for the same Lives Assured must be: - a joint life Supplementary Benefit, or - new supplementary benefits with half the Sum Assured of this Supplementary Benefit for each Life Assured if: a joint life product is unavailable, and the minimum and maximum sums assured of the new supplementary benefit allowed at the time of application is met." What must You take note of? "A partial conversion will reduce the premium payable over the remaining premium payment term and all future benefits of the original Basic Cover and Supplementary Benefits will also be reduced. Premiums payable for the new supplementary benefit will be based on the Life Assured's Age at the date of conversion and the prevailing premium rates. Full or partial conversion can only be effective at the next premium payment due date. The same terms of acceptance as at the inception of this Supplementary Benefit will continue to apply for the new supplementary benefit. This option can only be exercised once, be it a full or partial conversion. The action to convert this Supplementary Benefit cannot be reverted once conversion is effective. We reserve the right to void the request to convert this Supplementary Benefit to a new supplementary benefit if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request to convert this Supplementary Benefit to a new supplementary benefit."| What is it? | When you exercise the Guaranteed Convertibility Option for the Basic Cover, this Supplementary Benefit will be converted automatically to a new supplementary benefit for the same term as the new basic cover (available at the point of conversion), without proof of insurability. <br> If You exercise this option to fully convert the Basic Cover: <br> We will convert the Sum Assured of this Supplementary Benefit to the sum assured of the new supplementary benefit subject to the minimum and maximum sums assured of the new supplementary benefit allowed at the time of Your application, and <br> - the sum assured of the new supplementary benefit will not be more than the Sum Assured of this Supplementary Benefit before You exercise this option. <br> If You exercise this option to partially convert the Basic Cover: <br> - We will reduce the Sum Assured of this Supplementary Benefit by the amount converted, subject to the minimum Sum Assured of this Supplementary Benefit, and <br> - We will convert the part of Sum Assured reduced to the sum assured of the new supplementary benefit subject to the minimum and maximum sums assured allowed for the new supplementary benefit at the time of Your application. | | :---: | :---: | | What are the conditions? | You must meet all of the following conditions: <br> You have not submitted a claim under this Supplementary Benefit, <br> We have not admitted a claim under this Supplementary Benefit, this Supplementary Benefit is attached to the Basic Cover at Policy Effective Date, the Basic Cover is in force when You exercise this option for the Basic Cover, <br> the Life Assured of the new supplementary benefit must be the same as this Supplementary Benefit, <br> the Life Assured is Age 65 or younger when this Supplementary Benefit is converted (if the Policy is a joint life policy, the age limit for conversion shall be based on the older Age of the 2 Lives Assured), <br> the payout of the new supplementary benefit must be an early payout of the death benefit and is not payable in addition to the death benefit of the new basic cover, the new supplementary benefit must contain the same terms, exclusions and conditions as this Supplementary Benefit, and <br> if this Supplementary Benefit allows for joint lives, the new supplementary benefit for the same Lives Assured must be: <br> - a joint life Supplementary Benefit, or <br> - new supplementary benefits with half the Sum Assured of this Supplementary <br> Benefit for each Life Assured if: <br> a joint life product is unavailable, and <br> the minimum and maximum sums assured of the new supplementary benefit allowed at the time of application is met. | | What must You take note of? | A partial conversion will reduce the premium payable over the remaining premium payment term and all future benefits of the original Basic Cover and Supplementary Benefits will also be reduced. <br> Premiums payable for the new supplementary benefit will be based on the Life Assured's Age at the date of conversion and the prevailing premium rates. <br> Full or partial conversion can only be effective at the next premium payment due date. <br> The same terms of acceptance as at the inception of this Supplementary Benefit will continue to apply for the new supplementary benefit. <br> This option can only be exercised once, be it a full or partial conversion. The action to convert this Supplementary Benefit cannot be reverted once conversion is effective. <br> We reserve the right to void the request to convert this Supplementary Benefit to a new supplementary benefit if the date of death, diagnosis or disability (where applicable) of the claim occurred before the request to convert this Supplementary Benefit to a new supplementary benefit. |


6. 附加福利何时结束


此附加福利结束:

  • 当我们接受您书面请求终止时,

  • 当政策结束时,

  • 在其福利终止日期,

  • 当宽限期到期时,如果此附加利益的分期保费仍未支付,或者

  • 当我们全额支付此补充福利时,


    无论哪个是最早的。

在本附加利益结束之前,已支付的任何分期保费均不予退还。如果我们接受您向我们提出的书面请求以结束本附加利益,则不会有任何按比例退还的保费,并且本附加利益将从我们接受您书面请求结束的日期之后的下一个保费到期日开始终止。

7. 索赔


根据保单应支付的任何利益将支付给您、您的法定代表人或其他授权方(视情况而定)。在我们收到全额保费之前,我们将不对任何发生的索赔进行支付。

请联系您的财务顾问代表或访问 https://singlife.com/en/claims 以获取索赔程序。

8. 注释


上述仅为所提供计划的摘要。计划的具体条款和条件在保单合同中列出。

在您决定购买该计划之前,您可能希望咨询财务顾问代表。如果您选择不咨询财务顾问代表,您应考虑该计划是否适合您。购买不适合您的健康保险产品可能会影响您未来医疗需求的融资能力。


9. 保单持有人保护计划


本保单受新加坡存款保险公司(SDIC)管理的保单持有人保护计划保护。您的保单自动获得保障,无需您采取进一步行动。如需了解该计划涵盖的福利类型及适用的保障限额,请与我们联系或访问 LIA 或 SDIC 网站(www.lia.org.sg 或 www.sdic.org.sg)。

1. 特点


这是一项定期支付的非参与性补充福利,提供在福利期限内对不同严重程度的重大疾病(CI)的保护。它还提供额外的福利,如重症监护福利、良性和边缘恶性肿瘤福利以及特别福利。此补充福利没有现金价值。

该附加福利的保费率在整个保费期限内保持不变。请注意,保费率并不保证。这些费率可能会根据未来的经验进行调整。

这不是一个 Medisave 批准的政策,您不能使用 Medisave 支付此附加福利的保费。

2. 好处


此附加福利为您提供以下福利:

  • 重大疾病福利
  • 重症监护福利,

  • 良性和边缘恶性肿瘤的益处,和
  • 特别福利。

只有在我们收到令人满意的证明并批准任何索赔后,才会支付福利。


在我们支付任何福利之前,我们将扣除该保单年度剩余的应付保费和任何应付给我们的福利金额。

建议您阅读保单合同以获取完整的除外条款列表。


2.1. 重疾福利 (CI 福利)

我们支付的费用
我们不支付的费用

CI 赔付将为此附加利益的保额的 100 % 100 % 100%100 \% 。如果被保险人被诊断为附录 A 中的任何早期、中期或重度危急疾病,我们将一次性支付 CI 赔付。为避免疑义,此附加利益在危急疾病赔付后终止。有关此利益所涵盖的危急疾病的列表和定义,请参阅附录 A A AA B B BB
The CI Benefit will be 100% of the Sum Assured of this Supplementary Benefit. If the Life Assured is diagnosed with any of the Early, Intermediate or Severe Stage Critical Illnesses in Appendix A, We will pay the CI Benefit in one lump sum. For avoidance of doubt, this Supplementary Benefit ends once the Critical Illness Benefit is paid. Please refer to Appendix A and B for the list and definitions of the Critical Illnesses covered under this benefit.| The CI Benefit will be $100 \%$ of the Sum Assured of this Supplementary Benefit. | | :--- | | If the Life Assured is diagnosed with any of the Early, Intermediate or Severe Stage Critical Illnesses in Appendix A, We will pay the CI Benefit in one lump sum. | | For avoidance of doubt, this Supplementary Benefit ends once the Critical Illness Benefit is paid. | | Please refer to Appendix $A$ and $B$ for the list and definitions of the Critical Illnesses covered under this benefit. |

请参阅第 5 节以了解排除条款。等待期 如果以下任何一种重大疾病的早期、中期或重度阶段发生,我们将不支付 CI 福利:- 指定严重程度的心脏病发作、重大癌症或其他严重冠状动脉疾病的诊断日期,或 - 导致进行冠状动脉旁路手术的冠状动脉疾病的诊断日期,在以下任一日期的 90 天内发生:- 保单签发日期,- 本附加福利的签发日期,- 本附加福利的福利开始日期,或 - 本附加福利的复效日期,以较晚者为准。生存期 如果:- 被保险人在本福利覆盖的重大疾病的诊断日期或进行手术的日期后未能生存至少 7 天,我们将不支付 CI 福利。
Please refer to Section 5 for the exclusions. Waiting Period We will not pay for Early, Intermediate or Severe Stage of any of the following Critical Illness under the CI Benefit if: - the date of diagnosis of Heart Attack of Specified Severity, Major Cancer, or Other Serious Coronary Artery Disease, or - the date of diagnosis of coronary artery disease leading to performance of Coronary Artery Bypass Surgery, occurs within 90 days from: - the Policy Issue Date, - the issue date of this Supplementary Benefit, - the Benefit Commencement Date of this Supplementary Benefit, or - the reinstatement date of this Supplementary Benefit, whichever is the latest. Survival Period We will not pay the Cl Benefit if: - the Life Assured does not survive at least 7 days after the date of diagnosis or the date of surgical procedure performed for a Critical Illness covered under this benefit.| Please refer to Section 5 for the exclusions. | | :--- | | Waiting Period | | We will not pay for Early, Intermediate or Severe Stage of any of the following Critical Illness under the CI Benefit if: | | - the date of diagnosis of Heart Attack of Specified Severity, Major Cancer, or Other Serious Coronary Artery Disease, or | | - the date of diagnosis of coronary artery disease leading to performance of Coronary Artery Bypass Surgery, | | occurs within 90 days from: | | - the Policy Issue Date, | | - the issue date of this Supplementary Benefit, | | - the Benefit Commencement Date of this Supplementary Benefit, or | | - the reinstatement date of this Supplementary Benefit, | | whichever is the latest. | | Survival Period | | We will not pay the Cl Benefit if: | | - the Life Assured does not survive at least 7 days after the date of diagnosis or the date of surgical procedure performed for a Critical Illness covered under this benefit. |
What We Pay What We Do Not Pay "The CI Benefit will be 100% of the Sum Assured of this Supplementary Benefit. If the Life Assured is diagnosed with any of the Early, Intermediate or Severe Stage Critical Illnesses in Appendix A, We will pay the CI Benefit in one lump sum. For avoidance of doubt, this Supplementary Benefit ends once the Critical Illness Benefit is paid. Please refer to Appendix A and B for the list and definitions of the Critical Illnesses covered under this benefit." "Please refer to Section 5 for the exclusions. Waiting Period We will not pay for Early, Intermediate or Severe Stage of any of the following Critical Illness under the CI Benefit if: - the date of diagnosis of Heart Attack of Specified Severity, Major Cancer, or Other Serious Coronary Artery Disease, or - the date of diagnosis of coronary artery disease leading to performance of Coronary Artery Bypass Surgery, occurs within 90 days from: - the Policy Issue Date, - the issue date of this Supplementary Benefit, - the Benefit Commencement Date of this Supplementary Benefit, or - the reinstatement date of this Supplementary Benefit, whichever is the latest. Survival Period We will not pay the Cl Benefit if: - the Life Assured does not survive at least 7 days after the date of diagnosis or the date of surgical procedure performed for a Critical Illness covered under this benefit."| What We Pay | What We Do Not Pay | | :---: | :---: | | The CI Benefit will be $100 \%$ of the Sum Assured of this Supplementary Benefit. <br> If the Life Assured is diagnosed with any of the Early, Intermediate or Severe Stage Critical Illnesses in Appendix A, We will pay the CI Benefit in one lump sum. <br> For avoidance of doubt, this Supplementary Benefit ends once the Critical Illness Benefit is paid. <br> Please refer to Appendix $A$ and $B$ for the list and definitions of the Critical Illnesses covered under this benefit. | Please refer to Section 5 for the exclusions. <br> Waiting Period <br> We will not pay for Early, Intermediate or Severe Stage of any of the following Critical Illness under the CI Benefit if: <br> - the date of diagnosis of Heart Attack of Specified Severity, Major Cancer, or Other Serious Coronary Artery Disease, or <br> - the date of diagnosis of coronary artery disease leading to performance of Coronary Artery Bypass Surgery, <br> occurs within 90 days from: <br> - the Policy Issue Date, <br> - the issue date of this Supplementary Benefit, <br> - the Benefit Commencement Date of this Supplementary Benefit, or <br> - the reinstatement date of this Supplementary Benefit, <br> whichever is the latest. <br> Survival Period <br> We will not pay the Cl Benefit if: <br> - the Life Assured does not survive at least 7 days after the date of diagnosis or the date of surgical procedure performed for a Critical Illness covered under this benefit. |


2.2. 重症监护福利

我们支付的费用

如果被保险人: -quad-\quad 因疾病或事故被送入重症监护室(ICU),并且
If the Life Assured: -quad is admitted to the Intensive Care Unit (ICU) due to an illness or Accident, and| If the Life Assured: | | :--- | | $-\quad$ is admitted to the Intensive Care Unit (ICU) due | | to an illness or Accident, and |

- 在一家医院的重症监护室住院 4 天或更长时间

必要医疗治疗的入院,
What We Pay "If the Life Assured: -quad is admitted to the Intensive Care Unit (ICU) due to an illness or Accident, and" - stay in ICU for 4 days or more in one hospital admission for Necessary Medical Treatment,| What We Pay | | :--- | | If the Life Assured: <br> $-\quad$ is admitted to the Intensive Care Unit (ICU) due <br> to an illness or Accident, and | | - stay in ICU for 4 days or more in one hospital | | admission for Necessary Medical Treatment, |

我们将支付额外的 20 % 20 % 20%20 \% 的保额,最高不超过 S $ 25 , 000 S $ 25 , 000 S$25,000S \$ 25,000 (或其在其他货币中的等值)。

此项福利仅允许提交 1 个索赔。


该福利的支付不会减少此附加福利的保额。


当此福利结束时


此福利于以下日期结束:

  • 索赔提出的日期,

  • 保单周年纪念日,受保人年龄为 85 岁,或

  • 该附加福利到期的日期,以较早者为准。


    “重症监护病房”或“ICU”指的是新加坡医院的重症监护病房。高依赖病房和其他病房不被视为重症监护病房。


    “必要医疗治疗”是指在注册医疗从业者或专家的专业意见中,合理且常见的治疗,适合并与疾病或伤害的症状、发现、诊断及其他相关临床情况一致,并减少疾病或伤害对被保险人负面影响的治疗。
治疗:

  • 必须符合新加坡普遍接受的良好医疗实践标准,与当前的专业医疗护理标准一致,并具有经过验证的医疗益处

  • 不得仅为被保险人或注册医疗从业者或专家的便利,这包括但不限于可以合理地在医院外提供的治疗,但作为住院治疗提供

  • 不得用于调查或研究,包括但不限于实验性或新型物理治疗、医疗技术或外科技术、未获得机构审查委员会和健康科学管理局批准的医疗设备,以及药品的医学试验,无论这些试验是否获得健康科学管理局或类似机构颁发的临床试验证书

  • 不得用于预防、健康筛查或促进健康,这包括但不限于饮食替代品或补充剂。

请参阅第 5 节以了解排除条款。


在 ICU 的住院必须被确认为必要医疗治疗。如果被保险人可以在任何其他设施中安全且充分地接受治疗,我们将不将 ICU 的住院视为必要医疗治疗。

等待期


我们将不支付重症监护福利,如果:

  • 可接受索赔的重症监护室住院第一天的日期,


    在 90 天内发生:

  • 政策发行日期,

  • 该附加福利的发行日期,

  • 该补充福利的福利开始日期,或

  • 该补充福利的恢复日期,


    最新的。

生存期


我们将不支付重症监护福利,如果:

  • 被保险人在符合索赔条件的情况下,入院重症监护室后的第一天起至少存活 7 天。


2.3. 良性和边缘恶性肿瘤的益处

我们支付的费用
What We Pay| What We Pay | | :--- |

如果被保险人接受完全手术

良性肿瘤切除(疑似)

恶性肿瘤) 需要从任何部位进行外科切除

被覆盖的指定器官或被诊断为

边缘恶性肿瘤,我们将支付

额外 20%的保险金额,受限于

最高金额为 25,000 新加坡元(或其等值金额)

其他货币)每人。

此项福利仅允许提交 1 个索赔。

该福利的支付不会减少

本附加利益的保障金额。
If the Life Assured undergoes a complete surgical excision of a Benign Tumour (suspected malignancy) requiring surgical excision from any of the covered Specified Organs or is diagnosed with a Borderline Malignant Tumour, We will pay an additional 20% of the Sum Assured, subject to a maximum amount of S$25,000 (or its equivalent in other currencies) per life. Only 1 claim is allowed under this benefit. The payout from this benefit does not reduce the Sum Assured of this Supplementary Benefit.| If the Life Assured undergoes a complete surgical | | :--- | | excision of a Benign Tumour (suspected | | malignancy) requiring surgical excision from any of | | the covered Specified Organs or is diagnosed with | | a Borderline Malignant Tumour, We will pay an | | additional 20% of the Sum Assured, subject to a | | maximum amount of S$25,000 (or its equivalent in | | other currencies) per life. | | Only 1 claim is allowed under this benefit. | | The payout from this benefit does not reduce the | | Sum Assured of this Supplementary Benefit. |


当此福利结束时


此福利于以下日期结束:


  • 索赔提出的日期,

  • 保单周年纪念日,受保人年龄为 85 岁,或

  • 该附加福利到期的日期,以较早者为准。

请参阅附录 C 以获取定义和此项福利所涵盖的指定机构列表。

我们不支付的费用

请参阅第 5 节以了解排除条款。
What We Do Not Pay Please refer to Section 5 for the exclusions.| What We Do Not Pay | | :---: | | Please refer to Section 5 for the exclusions. |

等待期


我们将不支付良性和边缘恶性肿瘤福利,如果:

  • 边缘恶性肿瘤的诊断日期或导致需要外科切除的良性肿瘤(怀疑恶性)诊断的任何情况的日期,


    在 90 天内发生:

  • 政策发行日期,

  • 该附加福利的发行日期,

  • 该补充福利的福利开始日期,或

  • 该补充福利的恢复日期,


    最新的。

生存期


我们将不支付良性和边缘恶性肿瘤福利,如果:

  • 被保险人在被诊断为边缘恶性肿瘤的日期或因需外科切除的良性肿瘤(怀疑恶性)进行外科手术的日期后未能存活至少 7 天。

2.4. 特别福利


每种情况每个生命的货币。

每个条件只能支付一次,最多允许在此福利下提出 6 次索赔。每次特殊福利索赔之间没有等待期。

此项福利的支付不会减少此附加福利的保额。


当此福利结束时


此福利于以下日期结束:

  • 第六次索赔提出的日期,

  • 保单周年纪念日,受保人年龄为 85 岁,或

  • 在此附加福利到期的日期,以较早者为准。

涵盖以下条件:
  1. 糖尿病并发症

我们不支付的费用


请参阅第 5 节以了解排除条款。

等待期


我们将不支付特别福利,如果:

  • 以下疾病的诊断日期:严重老年性耳聋(与年龄相关的听力损失)或与年龄相关的黄斑变性伴视觉障碍,或

  • 导致以下手术进行的疾病诊断日期:需要外科修复的尿失禁、因癌症而进行的乳房切除术、子宫切除术或冠状动脉的血管成形术及其他侵入性治疗


    在 90 天内发生:

  • 政策发行日期,

  • 该附加福利的发行日期,

  • 该补充福利的福利开始日期,或

  • 该补充福利的恢复日期,


    最新的。

  1. 冠状动脉的血管成形术及其他侵入性治疗

  2. 骨质疏松伴骨折

  3. 严重类风湿关节炎
  4. 乳房切除术

  5. 慢性肾上腺功能不全(阿迪森病)

  6. 慢性复发性胰腺炎

  7. 因癌症而进行的子宫切除术

  8. 登革出血热
  9. 威尔逊病
  10. 严重的克罗恩病

  11. 重度溃疡性结肠炎
  12. 嗜铬细胞瘤

  13. 与视觉障碍相关的年龄相关性黄斑变性

  14. 严重的老年性耳聋(与年龄相关的听力损失)

  15. 需要外科修复的尿失禁结束于:

  • 保单周年纪念日,受保人年龄为 85 岁,或

  • 该附加福利到期的日期,以较早者为准。

涵盖以下条件:

  1. 严重青少年类风湿关节炎(斯蒂尔病)
  2. 重型血友病

  3. 风湿热伴瓣膜损害
  4. 成骨不全症

  5. 胰岛素依赖型糖尿病
  6. 川崎病

  7. 肾小球肾炎伴肾病综合症

  8. I 型青少年脊髓性肌萎缩症

  9. 特定严重程度的自闭症
  10. 广义破伤风
  11. 狂犬病
    结束于:

  • 保单周年纪念日,受保人年满 18 岁时,

  • 该附加福利到期的日期,以较早者为准。

注意:


如果我们支付“冠状动脉的血管成形术及其他侵入性治疗”的特别福利,则该福利将是对我们(如有)根据其他类型的重大疾病基本福利或补充福利支付的任何“冠状动脉的血管成形术及其他侵入性治疗”福利的补充,这些福利覆盖同一被保险人。如果您与我们有多于一份保单,涵盖“冠状动脉的血管成形术及其他侵入性治疗”的特别福利,则“冠状动脉的血管成形术及其他侵入性治疗”的赔付将汇总至每位被保险人最高限额 S $ 25 , 000 S $ 25 , 000 S$25,000\mathrm{S} \$ 25,000 (或其在其他货币中的等值)。

请参阅附录 D D DD 以了解此福利涵盖的条件定义。

生存期


我们将不支付特别福利,如果:

  • 被保险人在诊断日期或为本福利所涵盖的疾病进行手术的日期后未能存活至少 7 天。

  1. 保证可再生选项


    (仅适用于附带保证可续期选项的 5 年和 10 年定期计划的附加条款)
它是什么?
如果附加的基本保障具有保证可续保选项,则该选项允许您在保障终止日期后自动续保此附加利益,连同附加的基本保障,续保期限与现有保单期限相同,无需提供可保性证明。

条件是什么?

您必须在基本保障的福利终止日期满足以下所有条件:- 此附加保障和基本保障均有效,- 此附加保障在保单生效日期附加于基本保障,- 此附加保障在保单生效日期与基本保障具有相同的附加保障期限,- 被保险人在续保基本保障时年龄为 65 岁或更小,- 被保险人在此附加保障的福利终止日期的保险金额与基本保障相同或更少,- 我们尚未承认此附加保障的 Cl 福利下的任何索赔。
You must meet all of the following conditions on the Benefit Cessation Date of the Basic Cover: - both this Supplementary Benefit and the Basic Cover are in force, - this Supplementary Benefit is attached to the Basic Cover at Policy Effective Date, - this Supplementary Benefit has the same Supplementary Benefit term as the Basic Cover at Policy Effective Date, - the Life Assured is at Age 65 or younger upon renewal of the Basic Cover, - the Life Assured is insured for the same Sum Assured or less on the Benefit Cessation Date of this Supplementary Benefit, and - We have not admitted any claim under the Cl Benefit of this Supplementary Benefit.| You must meet all of the following conditions on the Benefit Cessation Date of the Basic Cover: | | :--- | | - both this Supplementary Benefit and the Basic Cover are in force, | | - this Supplementary Benefit is attached to the Basic Cover at Policy Effective Date, | | - this Supplementary Benefit has the same Supplementary Benefit term as the Basic Cover at Policy Effective Date, | | - the Life Assured is at Age 65 or younger upon renewal of the Basic Cover, | | - the Life Assured is insured for the same Sum Assured or less on the Benefit Cessation Date of this Supplementary Benefit, and | | - We have not admitted any claim under the Cl Benefit of this Supplementary Benefit. |

您必须注意什么?

与本附加福利开始时相同的接受条款将继续适用于每个续期,除非有以下索赔:- 特殊福利,- 重症监护福利,或 - 良性和边缘恶性肿瘤福利。以下适用:- 如果有特殊福利的索赔,将继续续保,但可索赔的条件数量将相应减少。特殊福利的索赔次数不会恢复到原来的 6 次,任何已索赔的条件将不再被接受。- 如果有重症监护福利的索赔,将不会恢复到原来的每次索赔一次的福利,此福利将不再被接受索赔。- 如果有良性和边缘恶性肿瘤福利的索赔,将不会恢复到原来的每次索赔一次的福利,此福利将不再被接受索赔。续保附加福利应支付的保费将根据续保时被保险人的年龄计算,使用续保时的现行保费率。 续保保费应以保单生效时选择的相同合同货币支付。
The same terms of acceptance as at the inception of this Supplementary Benefit will continue to apply for each renewed term unless there is a claim under the: - Special Benefit, - Intensive Care Benefit, or - Benign and Borderline Malignant Tumour Benefit. The following apply: - If there is a claim under the Special Benefit, it will continue to be renewed but the number of conditions claimable under the Special Benefit will be reduced accordingly. The number of claims allowed on Special Benefit will not be refreshed back to the original 6 times and any claimed condition will not be admissible again. - If there is a claim under the Intensive Care Benefit, it will not be refreshed back to the original one time per claim benefit and this benefit will not be admissible for claim again. - If there is a claim under the Benign and Borderline Malignant Tumour Benefit, it will not be refreshed back to the original one time per claim benefit and this benefit will not be admissible for claim again. Premiums payable for the renewed Supplementary Benefit will be calculated based on the Life Assured's Age at date of renewal, using prevailing premium rates at the time of renewal. The renewal premiums shall be payable in the same contract currency chosen at policy inception.| The same terms of acceptance as at the inception of this Supplementary Benefit will continue to apply for each renewed term unless there is a claim under the: | | :--- | | - Special Benefit, | | - Intensive Care Benefit, or | | - Benign and Borderline Malignant Tumour Benefit. | | The following apply: | | - If there is a claim under the Special Benefit, it will continue to be renewed but the number of conditions claimable under the Special Benefit will be reduced accordingly. The number of claims allowed on Special Benefit will not be refreshed back to the original 6 times and any claimed condition will not be admissible again. | | - If there is a claim under the Intensive Care Benefit, it will not be refreshed back to the original one time per claim benefit and this benefit will not be admissible for claim again. | | - If there is a claim under the Benign and Borderline Malignant Tumour Benefit, it will not be refreshed back to the original one time per claim benefit and this benefit will not be admissible for claim again. | | Premiums payable for the renewed Supplementary Benefit will be calculated based on the Life Assured's Age at date of renewal, using prevailing premium rates at the time of renewal. The renewal premiums shall be payable in the same contract currency chosen at policy inception. |
What is it? Where the attached Basic Cover has Guaranteed Renewable Option, this option allows You to renew this Supplementary Benefit together with the attached Basic Cover automatically from the Benefit Cessation Date for the same duration of the existing policy term, without proof of insurability. What are the conditions? "You must meet all of the following conditions on the Benefit Cessation Date of the Basic Cover: - both this Supplementary Benefit and the Basic Cover are in force, - this Supplementary Benefit is attached to the Basic Cover at Policy Effective Date, - this Supplementary Benefit has the same Supplementary Benefit term as the Basic Cover at Policy Effective Date, - the Life Assured is at Age 65 or younger upon renewal of the Basic Cover, - the Life Assured is insured for the same Sum Assured or less on the Benefit Cessation Date of this Supplementary Benefit, and - We have not admitted any claim under the Cl Benefit of this Supplementary Benefit." What must You take note of? "The same terms of acceptance as at the inception of this Supplementary Benefit will continue to apply for each renewed term unless there is a claim under the: - Special Benefit, - Intensive Care Benefit, or - Benign and Borderline Malignant Tumour Benefit. The following apply: - If there is a claim under the Special Benefit, it will continue to be renewed but the number of conditions claimable under the Special Benefit will be reduced accordingly. The number of claims allowed on Special Benefit will not be refreshed back to the original 6 times and any claimed condition will not be admissible again. - If there is a claim under the Intensive Care Benefit, it will not be refreshed back to the original one time per claim benefit and this benefit will not be admissible for claim again. - If there is a claim under the Benign and Borderline Malignant Tumour Benefit, it will not be refreshed back to the original one time per claim benefit and this benefit will not be admissible for claim again. Premiums payable for the renewed Supplementary Benefit will be calculated based on the Life Assured's Age at date of renewal, using prevailing premium rates at the time of renewal. The renewal premiums shall be payable in the same contract currency chosen at policy inception."| What is it? | Where the attached Basic Cover has Guaranteed Renewable Option, this option allows You to renew this Supplementary Benefit together with the attached Basic Cover automatically from the Benefit Cessation Date for the same duration of the existing policy term, without proof of insurability. | | :---: | :---: | | What are the conditions? | You must meet all of the following conditions on the Benefit Cessation Date of the Basic Cover: <br> - both this Supplementary Benefit and the Basic Cover are in force, <br> - this Supplementary Benefit is attached to the Basic Cover at Policy Effective Date, <br> - this Supplementary Benefit has the same Supplementary Benefit term as the Basic Cover at Policy Effective Date, <br> - the Life Assured is at Age 65 or younger upon renewal of the Basic Cover, <br> - the Life Assured is insured for the same Sum Assured or less on the Benefit Cessation Date of this Supplementary Benefit, and <br> - We have not admitted any claim under the Cl Benefit of this Supplementary Benefit. | | What must You take note of? | The same terms of acceptance as at the inception of this Supplementary Benefit will continue to apply for each renewed term unless there is a claim under the: <br> - Special Benefit, <br> - Intensive Care Benefit, or <br> - Benign and Borderline Malignant Tumour Benefit. <br> The following apply: <br> - If there is a claim under the Special Benefit, it will continue to be renewed but the number of conditions claimable under the Special Benefit will be reduced accordingly. The number of claims allowed on Special Benefit will not be refreshed back to the original 6 times and any claimed condition will not be admissible again. <br> - If there is a claim under the Intensive Care Benefit, it will not be refreshed back to the original one time per claim benefit and this benefit will not be admissible for claim again. <br> - If there is a claim under the Benign and Borderline Malignant Tumour Benefit, it will not be refreshed back to the original one time per claim benefit and this benefit will not be admissible for claim again. <br> Premiums payable for the renewed Supplementary Benefit will be calculated based on the Life Assured's Age at date of renewal, using prevailing premium rates at the time of renewal. The renewal premiums shall be payable in the same contract currency chosen at policy inception. |


4. 当此附加福利结束时


此附加福利结束:

  • 当我们接受您书面请求终止时,

  • 被保险人去世时,

  • 当保单结束时(除非保单因全额提前支付身故保险金而结束,受保人将继续享有此附加利益的保障),

  • 在其福利终止日期,

  • 当宽限期到期且此附加福利的分期保费未支付时,或者

  • 当我们根据此附加福利全额支付 CI 福利时,


    无论哪个是最早的。


    在本附加利益结束之前,已支付的任何分期保费均不予退还。如果我们接受您书面请求终止本附加利益,则不会有任何按比例退还的保费,并且本附加利益将从我们接受您书面请求终止之日起紧接着的保费到期日结束。


5. 不包括的内容


(a)我们将不支付任何补充福利下的任何福利,因以下原因直接或间接、全部或部分造成、引起或促成的任何情况:

  • 自我造成的伤害或疾病,无论是理智还是失常,

  • 故意滥用药物或酒精,无论是理智还是失去理智,

  • 获得性免疫缺陷综合症(AIDS)或任何人类免疫缺陷病毒(HIV)感染,除本附加福利中规定的某些情况外,或

  • 任何既往病症。


    “既往病症”是指在以下时间之前,任何已存在或正在存在的病症或疾病,或其原因或症状已存在或正在存在或明显的,或被保险人曾经或正在遭受的任何病症或疾病:
  • 政策发行日期,

  • 本附加福利的发行日期,

  • 本附加福利的福利开始日期,或

  • 该附加福利的恢复日期,


    无论哪个是最新的,除非该情况或疾病已被我们声明并接受。


    (b) 此外,如果任何情况直接或间接、全部或部分地由以下原因造成、引起或助长,我们将不支付重症监护福利:
  • 被保险人:
  • 遭受症状的,

  • 进行调查,或
  • 被诊断为,

    在以下时间之前或 90 天内的任何疾病:

  • 政策发行日期,

  • 该附加福利的发行日期,

  • 该补充福利的福利开始日期,或

  • 该附加福利的恢复日期,


    无论哪个是最新的,
  • 自杀未遂,

  • 旨在改善外观的治疗,例如美容手术或与先前美容治疗相关的任何治疗,

  • 海外医疗治疗,

  • 怀孕、分娩、流产、堕胎或妊娠终止,或任何形式的相关住院或治疗,

  • 不孕症、次生不孕、辅助受孕、勃起功能障碍、阳痿或任何避孕治疗,

  • 心理障碍、人格障碍、精神状况或行为障碍,包括因这些障碍而产生的任何成瘾或依赖,例如赌博或游戏成瘾

  • 非法行为、挑衅性攻击或故意暴露于危险中,

  • 性传播疾病的治疗,
  • 性别转换手术,

  • 未经机构审查委员会和医疗器械监管中心批准的实验性或开创性的医疗或外科技术和医疗设备,以及药品的医学试验,无论这些试验是否获得新加坡卫生科学局颁发的临床试验证书

  • 替代或补充治疗,包括传统中医(TCM)或因社会或非医疗原因在任何医疗机构的逗留,

  • 因直接参与民事骚乱、暴动或罢工而导致的伤害治疗,

  • 辐射或放射性污染,或

  • 好战行动(无论是否宣战)、战争、入侵、骚乱或任何类似事件。

建议您阅读保单合同以获取完整的除外条款列表。

6. 索赔


根据本保单应支付的任何赔偿金将支付给您、您的法定代表人或其他授权方(视情况而定)。在我们收到全额保费之前,我们将不对任何已发生的索赔进行支付。

请联系您的财务顾问代表或访问 https://singlife.com/en/claims 以获取索赔程序。

7. 注释


上述仅为所提供计划的摘要。建议您阅读保单合同以获取完整的除外条款列表。计划的具体条款和条件在保单合同中列出。

在您决定购买该计划之前,您可能希望咨询财务顾问代表的意见。如果您选择不咨询财务顾问代表,您应考虑该计划是否适合您。购买不适合您的健康保险政策可能会影响您未来医疗需求的融资能力。


8. 保单持有人保护计划


本保单受新加坡存款保险公司(SDIC)管理的保单持有人保护计划保护。您的保单自动获得保障,无需您采取进一步行动。如需了解该计划涵盖的福利类型及适用的保障限额,请与我们联系或访问 LIA 或 SDIC 网站(www.lia.org.sg 或 www.sdic.org.sg)。


附录 A:涵盖的早期、中期和重度阶段危重疾病名单

CI 集团 严重阶段
早期和中期阶段
1 主要癌症*

原位癌(CIS)和早期癌症:(a)原位癌(CIS)(b)早期癌症:- 早期前列腺癌 - 早期甲状腺癌 - 早期膀胱癌 - 早期慢性淋巴细胞白血病 - 神经内分泌肿瘤 - 早期黑色素瘤 - 胃肠道间质肿瘤 - 骨髓恶性肿瘤
Carcinoma in-situ (CIS) and Early Cancers: (a) Carcinoma in-situ (CIS) (b) Early Cancers: - Early Prostate Cancer - Early Thyroid Cancer - Early Bladder Cancer - Early Chronic Lymphocytic Leukaemia - Neuroendocrine Tumours - Early Melanoma - Gastro-Intestinal Stromal tumours - Bone Marrow Malignancies| Carcinoma in-situ (CIS) and Early Cancers: | | :--- | | (a) Carcinoma in-situ (CIS) | | (b) Early Cancers: | | - Early Prostate Cancer | | - Early Thyroid Cancer | | - Early Bladder Cancer | | - Early Chronic Lymphocytic Leukaemia | | - Neuroendocrine Tumours | | - Early Melanoma | | - Gastro-Intestinal Stromal tumours | | - Bone Marrow Malignancies |
2
特定严重程度的心脏病发作*

心血管系统的特定外科手术程序:

心脏起搏器植入
(b)心包切除术

(c) 心脏除颤器插入
(d)心肌病
3
中风与 quad\quad 永久性

神经缺损*

脑动脉瘤手术(通过血管内手术)
脑动脉瘤手术

脑室分流插入
颈动脉手术
4
冠状动脉旁路手术*

经心肌激光再灌注术,或钥匙孔冠状动脉旁路手术,或冠状动脉内膜切除术,或增强型外部反脉冲装置
5
终末期肾衰竭*

肾切除术 - 一侧肾脏的外科切除
慢性肾病
6
不可逆性再生障碍性贫血*

可逆性再生障碍性贫血

骨髓增生异常综合症或骨髓纤维化
7
终末期肺病*
严重哮喘

插入下腔静脉滤器

手术切除一侧肺部
8
终末期肝衰竭*
肝脏手术
肝硬化
9 昏迷*
昏迷 48 小时
严重癫痫
10 Meafness (Irreversible Loss of
部分听力损失

海绵窦血栓形成手术

耳蜗植入手术
11
开放式胸腔心脏瓣膜手术*

经皮瓣膜手术
12
不可逆的语言丧失*

永久性(或临时性)气管切开术

由于神经疾病导致的不可逆失语
13 主要烧伤* 轻度烧伤
14
主要器官 / 骨髓

移植*

其他器官移植 (a) 小肠移植 (b) 角膜移植
Other Organ Transplants (a) Small Bowel Transplant (b) Corneal Transplant| Other Organ Transplants | | :--- | | (a) Small Bowel Transplant | | (b) Corneal Transplant |

主要器官/骨髓移植(在等待名单上)
15 多发性硬化症*
早期多发性硬化症(中间阶段)
16 肌肉萎缩症*
脊髓疾病或损伤导致肠道和膀胱功能障碍
CI Group Severe Stage Early and Intermediate Stages 1 Major Cancer* "Carcinoma in-situ (CIS) and Early Cancers: (a) Carcinoma in-situ (CIS) (b) Early Cancers: - Early Prostate Cancer - Early Thyroid Cancer - Early Bladder Cancer - Early Chronic Lymphocytic Leukaemia - Neuroendocrine Tumours - Early Melanoma - Gastro-Intestinal Stromal tumours - Bone Marrow Malignancies" 2 Heart Attack of Specified Severity* Specified Surgical Procedures of the Cardiovascular System: (a) Cardiac pacemaker insertion (b) Pericardiectomy (c) Cardiac defibrillator insertion (d) Cardiomyopathy 3 Stroke with quad PermanentNeurological Deficit* Brain aneurysm surgery (via endovascular procedures) Brain aneurysm surgery Cerebral shunt insertion Carotid artery surgery 4 Coronary Artery By-pass Surgery* Transmyocardial Laser Revascularisation, or Keyhole Coronary Bypass Surgery, or Coronary Artery Atherectomy, or Enhanced External Counterpulsation Device 5 End Stage Kidney Failure* Nephrectomy - Surgical Removal of One Kidney Chronic Kidney Disease 6 Irreversible Aplastic Anaemia* Reversible Aplastic Anaemia Myelodysplastic Syndrome or Myelofibrosis 7 End Stage Lung Disease* Severe Asthma Insertion of a Vena-cava filter Surgical removal of one lung 8 End Stage Liver Failure* Liver Surgery Liver Cirrhosis 9 Coma* Coma for 48 hours Severe Epilepsy 10 Meafness (Irreversible Loss of Partial loss of hearing Cavernous sinus thrombosis surgery Cochlear implant surgery 11 Open Chest Heart Valve Surgery* Percutaneous Valve Surgery 12 Irreversible Loss of Speech* Permanent (or Temporary) Tracheostomy Irreversible Loss of Speech due to neurological disease 13 Major Burns* Mild Burns 14 Major Organ / Bone MarrowTransplantation* "Other Organ Transplants (a) Small Bowel Transplant (b) Corneal Transplant" Major Organ/Bone Marrow Transplant (on waitlist) 15 Multiple Sclerosis* Early Multiple Sclerosis (Intermediate Stage) 16 Muscular Dystrophy* Spinal Cord Disease or Injury resulting in Bowel and Bladder Dysfunction| CI Group | Severe Stage | Early and Intermediate Stages | | :---: | :---: | :---: | | 1 | Major Cancer* | Carcinoma in-situ (CIS) and Early Cancers: <br> (a) Carcinoma in-situ (CIS) <br> (b) Early Cancers: <br> - Early Prostate Cancer <br> - Early Thyroid Cancer <br> - Early Bladder Cancer <br> - Early Chronic Lymphocytic Leukaemia <br> - Neuroendocrine Tumours <br> - Early Melanoma <br> - Gastro-Intestinal Stromal tumours <br> - Bone Marrow Malignancies | | 2 | Heart Attack of Specified Severity* | Specified Surgical Procedures of the Cardiovascular System: | | | | (a) Cardiac pacemaker insertion | | | | (b) Pericardiectomy | | | | (c) Cardiac defibrillator insertion | | | | (d) Cardiomyopathy | | 3 | Stroke with $\quad$ PermanentNeurological Deficit* | Brain aneurysm surgery (via endovascular procedures) | | | | Brain aneurysm surgery | | | | Cerebral shunt insertion | | | | Carotid artery surgery | | 4 | Coronary Artery By-pass Surgery* | Transmyocardial Laser Revascularisation, or Keyhole Coronary Bypass Surgery, or Coronary Artery Atherectomy, or Enhanced External Counterpulsation Device | | 5 | End Stage Kidney Failure* | Nephrectomy - Surgical Removal of One Kidney | | | | Chronic Kidney Disease | | 6 | Irreversible Aplastic Anaemia* | Reversible Aplastic Anaemia | | | | Myelodysplastic Syndrome or Myelofibrosis | | 7 | End Stage Lung Disease* | Severe Asthma | | | | Insertion of a Vena-cava filter | | | | Surgical removal of one lung | | 8 | End Stage Liver Failure* | Liver Surgery | | | | Liver Cirrhosis | | 9 | Coma* | Coma for 48 hours | | | | Severe Epilepsy | | 10 | ```Meafness (Irreversible Loss of``` | Partial loss of hearing | | | | Cavernous sinus thrombosis surgery | | | | Cochlear implant surgery | | 11 | Open Chest Heart Valve Surgery* | Percutaneous Valve Surgery | | 12 | Irreversible Loss of Speech* | Permanent (or Temporary) Tracheostomy | | | | Irreversible Loss of Speech due to neurological disease | | 13 | Major Burns* | Mild Burns | | 14 | Major Organ / Bone MarrowTransplantation* | Other Organ Transplants <br> (a) Small Bowel Transplant <br> (b) Corneal Transplant | | | | Major Organ/Bone Marrow Transplant (on waitlist) | | 15 | Multiple Sclerosis* | Early Multiple Sclerosis (Intermediate Stage) | | 16 | Muscular Dystrophy* | Spinal Cord Disease or Injury resulting in Bowel and Bladder Dysfunction |

中度肌肉萎缩症
17
特发性帕金森病*

早期帕金森病

中度严重的帕金森病
18
开放胸部手术至主动脉*

大型无症状主动脉瘤

微创手术到主动脉
19 阿尔茨海默病

痴呆症* 疾病 / 严重
早期痴呆

中度严重痴呆症,包括阿尔茨海默病
20 暴发性肝炎*
肝炎伴肝硬化

胆道重建手术

慢性原发性硬化性胆管炎
21 运动神经元疾病* 周围神经病

早期运动神经元疾病(中期阶段)
22
原发性肺动脉高压*

早期原发性或继发性肺动脉高压
23
因输血和职业性获得的 HIV HIV HIV HIV^(**)\mathrm{HIV}^{*}

器官移植和攻击导致的 HIV
24 良性脑肿瘤*
垂体肿瘤的外科切除

硬膜下血肿手术
25 重度脑炎* 脑炎
26
严重细菌性脑膜炎*
细菌性脑膜炎
27
失明(不可逆的视力丧失)*

单眼不可逆失明或视神经萎缩伴随低视力
28 重大头部创伤*
面部重建手术

颈髓损伤

中级阶段重大头部创伤
29
瘫痪(肢体不可逆失用)*

一肢不可逆的失用

不可逆的肢体使用丧失,需要假肢
30
进行性硬皮病*

早期进展性硬皮病

系统性硬化症伴 CREST 综合症
31
持久植物人状态

(无意识综合症)
无动性缄默症
锁定综合症
32
系统性红斑狼疮伴狼疮性肾炎*

轻度系统性红斑狼疮
33
其他严重冠状动脉疾病*

轻度冠状动脉疾病
34 小儿麻痹症*
中度严重脊髓灰质炎
35
失去独立存在*

失去独立存在(早期阶段)

失去独立存在(中间阶段)
36
克鲁茨费尔特-雅各布病

较轻型克雅二氏病

中度严重的克雅二氏病
37 象皮病 不适用
38
髓样囊性疾病
不适用
39 坏死性筋膜炎 不适用
40
进行性核上性麻痹

轻度进行性核上性麻痹
41
重症肌无力
不适用
42
肾上腺腺瘤的肾上腺切除术
不适用
43
慢性自身免疫性肝炎
不适用
Moderate Muscular Dystrophy 17 Idiopathic Parkinson's Disease* Early Parkinson's Disease Moderately Severe Parkinson's Disease 18 Open Chest Surgery to Aorta* Large Asymptomatic Aortic Aneurysm Minimally Invasive Surgery to Aorta 19 Alzheimer'sDementia* Disease / Severe Early Dementia Moderately Severe Dementia including Alzheimer's Disease 20 Fulminant Hepatitis* Hepatitis with Cirrhosis Biliary Tract Reconstruction Surgery Chronic Primary Sclerosing Cholangitis 21 Motor Neurone Disease* Peripheral Neuropathy Early Motor Neurone Disease (Intermediate Stage) 22 Primary Pulmonary Hypertension* Early Primary or Secondary Pulmonary Hypertension 23 HIV Due to Blood Transfusion and Occupationally Acquired HIV^(**) HIV due to Organ Transplant and Assault 24 Benign Brain Tumour* Surgical Removal of Pituitary Tumour Surgery for Subdural Haematoma 25 Severe Encephalitis* Encephalitis 26 Severe Bacterial Meningitis* Bacterial Meningitis 27 Blindness (Irreversible Loss of Sight)* Irreversible Loss of sight in one eye or Optic Nerve Atrophy with low vision 28 Major Head Trauma* Facial Reconstructive Surgery Cervical Spinal Cord Injury Intermediate Stage Major Head Trauma 29 Paralysis (Irreversible Loss of Use of Limbs)* Irreversible Loss of Use of One Limb Irreversible Loss of Use of One Limb requiring Prosthesis 30 Progressive Scleroderma* Early Progressive Scleroderma Systemic Sclerosis with CREST Syndrome 31 Persistent Vegetative State(Apallic Syndrome) Akinetic Mutism Locked in syndrome 32 Systemic Lupus Erythematosus with Lupus Nephritis* Mild Systemic Lupus Erythematosus 33 Other Serious Coronary Artery Disease* Mild Coronary Artery Disease 34 Poliomyelitis* Moderately Severe Poliomyelitis 35 Loss of Independent Existence* Loss of Independent Existence (Early Stage) Loss of Independent Existence (Intermediate Stage) 36 Creutzfeld- Jacob Disease Less Severe Creutzfeld-Jacob Disease Moderately Severe Creutzfeld-Jacob Disease 37 Elephantiasis Not applicable 38 Medullary Cystic Disease Not applicable 39 Necrotising Fasciitis Not applicable 40 Progressive Supranuclear Palsy Less Severe Progressive Supranuclear Palsy 41 Severe Myasthenia Gravis Not applicable 42 Adrenalectomy for Adrenal Adenoma Not applicable 43 Chronic Auto-Immune Hepatitis Not applicable| | | Moderate Muscular Dystrophy | | :---: | :---: | :---: | | 17 | Idiopathic Parkinson's Disease* | Early Parkinson's Disease | | | | Moderately Severe Parkinson's Disease | | 18 | Open Chest Surgery to Aorta* | Large Asymptomatic Aortic Aneurysm | | | | Minimally Invasive Surgery to Aorta | | 19 | Alzheimer'sDementia* Disease / Severe | Early Dementia | | | | Moderately Severe Dementia including Alzheimer's Disease | | 20 | Fulminant Hepatitis* | Hepatitis with Cirrhosis | | | | Biliary Tract Reconstruction Surgery | | | | Chronic Primary Sclerosing Cholangitis | | 21 | Motor Neurone Disease* | Peripheral Neuropathy | | | | Early Motor Neurone Disease (Intermediate Stage) | | 22 | Primary Pulmonary Hypertension* | Early Primary or Secondary Pulmonary Hypertension | | 23 | HIV Due to Blood Transfusion and Occupationally Acquired $\mathrm{HIV}^{*}$ | HIV due to Organ Transplant and Assault | | 24 | Benign Brain Tumour* | Surgical Removal of Pituitary Tumour | | | | Surgery for Subdural Haematoma | | 25 | Severe Encephalitis* | Encephalitis | | 26 | Severe Bacterial Meningitis* | Bacterial Meningitis | | 27 | Blindness (Irreversible Loss of Sight)* | Irreversible Loss of sight in one eye or Optic Nerve Atrophy with low vision | | 28 | Major Head Trauma* | Facial Reconstructive Surgery | | | | Cervical Spinal Cord Injury | | | | Intermediate Stage Major Head Trauma | | 29 | Paralysis (Irreversible Loss of Use of Limbs)* | Irreversible Loss of Use of One Limb | | | | Irreversible Loss of Use of One Limb requiring Prosthesis | | 30 | Progressive Scleroderma* | Early Progressive Scleroderma | | | | Systemic Sclerosis with CREST Syndrome | | 31 | Persistent Vegetative State(Apallic Syndrome) | Akinetic Mutism | | | | Locked in syndrome | | 32 | Systemic Lupus Erythematosus with Lupus Nephritis* | Mild Systemic Lupus Erythematosus | | 33 | Other Serious Coronary Artery Disease* | Mild Coronary Artery Disease | | 34 | Poliomyelitis* | Moderately Severe Poliomyelitis | | 35 | Loss of Independent Existence* | Loss of Independent Existence (Early Stage) | | | | Loss of Independent Existence (Intermediate Stage) | | 36 | Creutzfeld- Jacob Disease | Less Severe Creutzfeld-Jacob Disease | | | | Moderately Severe Creutzfeld-Jacob Disease | | 37 | Elephantiasis | Not applicable | | 38 | Medullary Cystic Disease | Not applicable | | 39 | Necrotising Fasciitis | Not applicable | | 40 | Progressive Supranuclear Palsy | Less Severe Progressive Supranuclear Palsy | | 41 | Severe Myasthenia Gravis | Not applicable | | 42 | Adrenalectomy for Adrenal Adenoma | Not applicable | | 43 | Chronic Auto-Immune Hepatitis | Not applicable |
44 感染性心内膜炎
轻度感染性心内膜炎
45

多根臂丛神经损伤
Multiple Root of Brachial Plexus Injury| Multiple Root of Brachial Plexus | | :--- | | Injury |
不适用
46
严重的艾森门格综合症

严重的艾森门格综合症(中间阶段)
47
特发性脊柱侧弯的手术
不适用
48 结核性脑膜炎 不适用
49
严重肺纤维化
不适用
50 严重心肌病 不适用
51 获得性脑损伤 不适用
52 脑外科手术 不适用
53
医疗获得的 HIV 感染
不适用
54

职业性获得的乙型或丙型肝炎
Occupationally Acquired Hepatitis B or C| Occupationally Acquired Hepatitis | | :--- | | B or C |
不适用
55 埃博拉 不适用
56

全小肠切除术(十二指肠、空肠和回肠)
Resection of the whole small intestine (duodenum, jejunum and ileum)| Resection of the whole small | | :--- | | intestine (duodenum, jejunum and | | ileum) |
不适用
57
青少年亨廷顿病
不适用
58

胆道闭锁已接受肝脏移植
Biliary Atresia having undergone Liver transplantation| Biliary Atresia having undergone | | :--- | | Liver transplantation |

胆道闭锁(诊断时)
59 重度支气管扩张症 不适用
60 终末期疾病* 不适用
44 Infective Endocarditis Less Severe Infective Endocarditis 45 "Multiple Root of Brachial Plexus Injury" Not applicable 46 Severe Eisenmenger's Syndrome Severe Eisenmenger's Syndrome (Intermediate Stage) 47 Surgery for Idiopathic Scoliosis Not applicable 48 Tuberculosis Meningitis Not applicable 49 Severe Pulmonary Fibrosis Not applicable 50 Severe Cardiomyopathy Not applicable 51 Acquired Brain Damage Not applicable 52 Brain Surgery Not applicable 53 Medically Acquired HIV Infection Not applicable 54 "Occupationally Acquired Hepatitis B or C" Not applicable 55 Ebola Not applicable 56 "Resection of the whole small intestine (duodenum, jejunum and ileum)" Not applicable 57 Juvenile Huntington Disease Not applicable 58 "Biliary Atresia having undergone Liver transplantation" Biliary Atresia (on diagnosis) 59 Severe Bronchiectasis Not applicable 60 Terminal Illness* Not applicable| 44 | Infective Endocarditis | Less Severe Infective Endocarditis | | :--- | :--- | :--- | | 45 | Multiple Root of Brachial Plexus <br> Injury | Not applicable | | 46 | Severe Eisenmenger's Syndrome | Severe Eisenmenger's Syndrome (Intermediate Stage) | | 47 | Surgery for Idiopathic Scoliosis | Not applicable | | 48 | Tuberculosis Meningitis | Not applicable | | 49 | Severe Pulmonary Fibrosis | Not applicable | | 50 | Severe Cardiomyopathy | Not applicable | | 51 | Acquired Brain Damage | Not applicable | | 52 | Brain Surgery | Not applicable | | 53 | Medically Acquired HIV Infection | Not applicable | | 54 | Occupationally Acquired Hepatitis <br> B or C | Not applicable | | 55 | Ebola | Not applicable | | 56 | Resection of the whole small <br> intestine (duodenum, jejunum and <br> ileum) | Not applicable | | 57 | Juvenile Huntington Disease | Not applicable | | 58 | Biliary Atresia having undergone <br> Liver transplantation | Biliary Atresia (on diagnosis) | | 59 | Severe Bronchiectasis | Not applicable | | 60 | Terminal Illness* | Not applicable |

新加坡人寿保险协会(LIA)对 37 种重症疾病(2019 版)有标准定义。这些重症疾病属于 2019 版。您可以参考 www.lia.org.sg 获取标准定义(2019 版)。对于不属于 2019 版的重症疾病,定义由保险公司确定。


附录 B - 早期、中期和重度阶段重大疾病的定义


  1. 主要癌症(CI 组 1)


严重阶段主要癌症


恶性肿瘤经过组织学确认确诊,特征是恶性细胞的失控生长,并侵袭和破坏正常组织。

重大癌症一词包括但不限于白血病、淋巴瘤和肉瘤。

根据在血液、唾液、粪便、尿液或任何其他体液中发现肿瘤细胞和/或肿瘤相关分子的基础上诊断出的重大癌症,在没有进一步明确和临床可验证证据的情况下,不符合上述定义。

对于上述定义,以下内容被排除在外:

  • 所有组织学上分类为以下任何一种的肿瘤:
  • 前恶性
  • 非侵入性,

  • 原位癌 (Tis) 或 Ta,

  • 边缘恶性肿瘤,

  • 具有任何恶性潜力的程度,

  • 具有可疑的恶性肿瘤,

  • 不确定或未知行为的新生物,或

  • 所有级别的发育不良、鳞状上皮内病变(HSIL 和 LSIL)以及上皮内肿瘤

  • 任何非黑色素瘤皮肤癌、局限于皮肤的原发性皮肤淋巴瘤和皮肤纤维肉瘤,除非有证据表明已转移至淋巴结或更远处

  • 未导致侵入表皮以外的恶性黑色素瘤,

  • 所有组织学上描述为 T1NOMO(TNM 分类)或以下的前列腺癌,或其他等同或更低分类的前列腺癌,

  • 所有组织学上分类为 T1N0M0(TNM 分类)或以下的甲状腺癌,


早期和中期阶段


原位癌(CIS)和早期癌症


原位癌 (CIS):


CIS 指的是局限于其起源细胞的癌细胞的集中自主新生长,尚未导致对周围组织的侵袭和/或破坏。“侵袭”指的是超越基底膜的正常组织的渗透和/或主动破坏。

(b) 早期癌症:


  • 早期前列腺癌:根据 TNM 分类,组织学上描述为 T1a 或 T1b 的前列腺癌,或使用其他等效分类描述的前列腺癌。

  • 早期甲状腺癌:根据 TNM 分类,组织学上描述为 T1NOMO 的甲状腺癌,以及直径小于一厘米的甲状腺乳头状微癌。

  • 早期膀胱癌:膀胱乳头状微癌。

  • 早期慢性淋巴细胞白血病:慢性淋巴细胞白血病(CLL)RAI 阶段一或二。

  • 神经内分泌肿瘤:所有神经内分泌肿瘤在组织学上被分类为 T1N0M0(TNM 分类)。

  • 早期黑色素瘤:侵袭性黑色素瘤的 Breslow 厚度小于 1.5 毫米,或 Clark 等级低于 3。

  • 胃肠道间质肿瘤:所有胃肠道间质肿瘤根据最新版本的 AJCC 癌症分期手册在组织学上被分类为 I 期或 IA 期。

  • 骨髓恶性肿瘤:所有不需要反复输血、化疗、靶向癌症治疗、骨髓移植、造血干细胞移植或其他重大干预治疗的骨髓恶性肿瘤。

癌症或原位癌的诊断必须始终基于对固定组织的显微镜检查进行阳性诊断,并辅以活检结果。临床诊断不符合这一标准。

以下条件明确不在承保范围内:

  • 所有组织学上分类为以下任何一种的肿瘤:
  • 前恶性

  • 边缘恶性肿瘤,

  • 具有任何恶性潜力的程度,

  • 具有可疑的恶性肿瘤,

  • 不确定或未知行为的新生物,或

  • 宫颈上皮内瘤变(CIN)分类,报告 CIN I、CIN II 和 CIN III(严重不典型增生但无原位癌)以及低级别和高级别鳞状上皮病变,除非特别报告为 CIS(原位癌)。

  • 前列腺上皮内瘤变 (PIN)

  • 外阴上皮内瘤变 (VIN)

  • 在感染人类免疫缺陷病毒(HIV)的情况下,所有肿瘤

  • 所有胃肠道间质肿瘤在组织学上被分类为低于 I 期或 IA 期,依据最新版本的 AJCC 癌症分期手册

  • 胆道系统原位癌,

  • CLL RAI 0 期或更低,和

  • 所有组织学上分类为 T1N0M0(TNM 分类)或以下的神经内分泌肿瘤,

  • 所有组织学上分类为 T1N0M0(TNM 分类)或以下的膀胱肿瘤,

  • 所有根据最新版本的 AJCC 癌症分期手册组织学分类为 I 期或 IA 期的胃肠道间质肿瘤,或更低

  • 慢性淋巴细胞白血病低于 RAI 第 3 期,

  • 所有不需要反复输血、化疗、靶向癌症治疗、骨髓移植、造血干细胞移植或其他重大干预治疗的骨髓恶性肿瘤,

  • 所有肿瘤在 HIV 感染的情况下。

  • 非侵袭性黑色素瘤在组织学上描述为“原位”,以及任何非黑色素瘤皮肤癌、局限于皮肤的原发性皮肤淋巴瘤和皮肤纤维肉瘤突起。

  1. 特定严重程度的心脏病发作(CI 组 2)

严重阶段


特定严重程度的心脏病发作


心肌因缺血而死亡,至少符合以下 3 个标准,证明新心脏病发作的发生:

  • 典型胸痛的历史,

  • 新的特征性心电图变化,伴随以下任一情况的发展:ST 段抬高或压低、T 波倒置、病理性 Q 波或左束支传导阻滞

  • 心脏生物标志物的升高,包括 CKMB 超过一般接受的正常实验室水平或心脏肌钙蛋白 T 或 I 在 0.5 ng / ml 0.5 ng / ml 0.5ng//ml0.5 \mathrm{ng} / \mathrm{ml} 及以上

  • 影像学证据显示新的可存活心肌损失或新的局部壁运动异常。影像学检查必须由公司指定的心脏病专家进行。

对于上述定义,以下内容被排除在外:
  • 心绞痛,

  • 不确定年龄的心脏病发作,和

  • 在进行动脉内心脏手术后,包括但不限于冠状动脉造影和冠状动脉,心脏生物标志物或肌钙蛋白 T 或 I 的升高


早期和中期阶段


心血管系统的特定外科手术程序


心脏起搏器植入


由于无法通过其他手段治疗的严重心律失常,需插入永久性心脏起搏器。心脏起搏器的插入必须由顾问心脏病专家认证为医学上必要。

(b)心包切除术

进行心包切除术或因心包疾病而进行任何需要微创心脏手术的外科手术。这两种外科手术必须由顾问心脏病专家认证为医学上必要。

仅针刺引流心包积液或心包针刺活检被明确排除在外。


© 心脏除颤器植入

由于心律失常无法通过其他方法治疗,插入永久性心脏除颤器。该手术程序必须由顾问心脏病专家认证为医学上必要。

(d)心肌病

心肌病的明确诊断导致至少达到纽约心脏协会(NYHA)心脏功能障碍分类的 III 级的永久性身体损伤。该诊断必须由顾问心脏病专家确认,并通过超声检查结果支持,显示心室功能受损。

无论上述情况如何,与酒精或药物滥用直接相关的心肌病被排除在外。

NYHA 心脏功能障碍分级:


I 级:没有身体活动的限制。普通身体活动不会导致过度疲劳、呼吸困难或心绞痛。

说明性注释: 0.5 ng / ml = 0.5 ug / L = 0.5 ng / ml = 0.5 ug / L = 0.5ng//ml=0.5ug//L=0.5 \mathrm{ng} / \mathrm{ml}=0.5 \mathrm{ug} / \mathrm{L}= 500pg/ml

第二类:轻度限制身体活动。普通身体活动会导致症状。


第三类:身体活动明显受限。静息时舒适,但普通活动会引发症状。


第四级:无法进行任何身体活动而不感到不适。即使在休息时也可能出现症状。


3. 有永久性神经功能缺损的中风(CI 组 3)


严重阶段中风伴永久性神经功能缺损


脑血管事件,包括脑组织梗死、脑出血和蛛网膜下腔出血、脑内栓塞和脑血栓形成,导致永久性神经功能缺损。此诊断必须由以下所有条件支持:

  • 事件发生后至少 6 周由神经科医生确认的永久性临床神经功能缺损的证据,且

  • 与新中风诊断一致的磁共振成像、计算机断层扫描或其他可靠影像技术的发现。

以下内容被排除在外:

  • 短暂性缺血发作,

  • 因事故或伤害、感染、血管炎和炎症性疾病导致的脑损伤,

  • 影响眼睛或视神经的血管疾病,

  • 前庭系统的缺血性疾病,

  • 既往脑损伤内的继发性出血。


早期和中期阶段


脑动脉瘤手术(通过血管内手术)


进行颅内动脉瘤的外科修复或通过血管内手术切除动静脉畸形的实际过程。外科干预必须由神经外科医生或神经科医生认证为绝对必要。

脑动脉瘤手术


进行颅内手术,通过开颅手术夹闭、修复或切除一个或多个脑动脉的动脉瘤或动静脉畸形。诊断必须由神经外科医生通过计算机断层扫描(CT)、磁共振成像(MRI)、磁共振血管成像(MRA)或血管造影进行。未涉及开颅手术或伽马刀放射外科的程序被排除在外。


脑室分流插入


实际进行从大脑脑室植入分流器的手术,以缓解脑脊液中的压力升高。分流器的需求必须由神经外科医生认证为医学上必要。

颈动脉手术


颈动脉内膜切除术的实际进行是由于颈动脉至少 80 % 80 % 80%80 \% 的狭窄,这一狭窄是通过动脉造影或任何其他可用的适当诊断测试诊断出来的。

颈动脉以外的血管内膜切除术被特别排除在外。


4. 冠状动脉旁路手术(CI 组 4)


严重阶段冠状动脉旁路手术


实际进行开胸手术或微创直接冠状动脉旁路手术,以纠正一个或多个冠状动脉的狭窄或阻塞,使用旁路移植物。此诊断必须有显著冠状动脉阻塞的血管造影证据支持,并且该手术必须被顾问心脏病专家认为是医学上必要的。

血管成形术及所有其他动脉内、导管基础技术、‘钥匙孔’或激光程序均不包括在内。


早期和中期阶段


经心肌激光再灌注术,或钥匙孔冠状动脉旁路手术,或冠状动脉内膜切除术,或增强型外部反脉冲装置

首次进行的实际手术,用于纠正一个或多个冠状动脉的狭窄或阻塞,采用以下程序:

  • 心肌内激光再血管化,

  • 钥孔冠状动脉旁路手术

  • 冠状动脉动脉粥样硬化切除术,或

  • 增强型外部反搏装置。

所有其他程序将不包括在此福利中。


5. 终末期肾衰竭 (CI 组 5)


严重阶段末期肾衰竭 慢性不可逆的双肾衰竭,需要进行永久性肾透析或肾脏移植。


早期和中期阶段


肾切除术 - 一侧肾脏的外科切除,以及慢性肾病


(a)肾切除术 - 一侧肾脏的外科切除:

因任何疾病或意外而完全切除一侧肾脏的手术。肾脏的手术切除必须由肾脏科医生证明为医学上必要。被保险人捐赠肾脏的情况被排除在外。


(b)慢性肾病:

慢性肾病或慢性肾功能不全的晚期也包括在内,当使用肾脏疾病饮食修正(MDRD)公式或 Cockcroft-Gault 公式计算的肾小球滤过率(GFR)低于 30 mL / min / 1.73 m 2 30 mL / min / 1.73 m 2 30mL//min//1.73m^(2)30 \mathrm{~mL} / \mathrm{min} / 1.73 \mathrm{~m}^{2} 且该状况持续至少 90 天时。

诊断必须由肾脏科医生确认。


6. 不可逆性再生障碍性贫血(CI 第 6 组)
严重阶段 E

不可逆性再生障碍性贫血
R

慢性持续性和不可逆转的骨骼
法案

骨髓衰竭,经过活检确认,

导致贫血、嗜中性粒细胞减少症

和需要血小板减少症
\bullet

至少接受一种治疗
\bullet
以下:

- 血液制品输血,
\bullet

- 骨髓刺激剂,

- 免疫抑制剂,或

- 骨髓或造血

- 干细胞移植。

诊断必须得到确认
血液学家。
Severe Stage E Irreversible Aplastic Anaemia R Chronic persistent and irreversible bone Act marrow failure, confirmed by biopsy, and which results in anaemia, neutropenia of and thrombocytopenia requiring ∙ treatment with at least one of the ∙ following: - Blood product transfusion, ∙ - Bone marrow stimulating agents, - Immunosuppressive agents, or - Bone marrow or haematopoietic - stem cell transplantation. The diagnosis must be confirmed by a haematologist. | Severe Stage | E | | :--- | :--- | | Irreversible Aplastic Anaemia | R | | Chronic persistent and irreversible bone | Act | | marrow failure, confirmed by biopsy, | and | | which results in anaemia, neutropenia | of | | and thrombocytopenia requiring | $\bullet$ | | treatment with at least one of the | $\bullet$ | | following: | | | - Blood product transfusion, | $\bullet$ | | - Bone marrow stimulating agents, | | | - Immunosuppressive agents, or | - Bone marrow or haematopoietic | | - stem cell transplantation. | | | The diagnosis must be confirmed by a | | | haematologist. | |
血液学家。


早期和中期阶段


可逆性再生障碍性贫血


急性可逆性骨髓衰竭,经过活检确认,导致贫血、中性粒细胞减少症和血小板减少症,需要用以下任一治疗:

  • 血液制品输血,

  • 骨髓刺激剂,

  • 免疫抑制剂,或

  • 骨髓移植或造血干细胞移植。

诊断必须由血液学家确认。


骨髓增生异常综合症或骨髓纤维化


骨髓增生异常综合症(MDS)或骨髓纤维化的诊断必须由血液学家通过骨髓活检确认。

持续和持续的支持性护理,包括定期输血和/或化疗,必须是无限期的要求,由血液科医生认证。

在 HIV 感染的情况下,骨髓纤维化被排除。


7. 末期肺病(CI 组 7)


早期和中期阶段

Severe Asthma

急性重度哮喘发作的证据,伴有持续性哮喘状态,需要住院治疗,并在呼吸科医生的建议下使用机械通气机进行至少 4 小时的辅助通气。


插入下腔静脉滤器


在有反复肺栓塞的文献证明后,进行静脉腔滤器的外科植入。静脉腔滤器的植入需要由顾问心脏病专家认证为医学上必要。

55 mmHg 或更低 ( PaO 2 55 mmHg ) PaO 2 55 mmHg (PaO_(2) <= 55mmHg)\left(\mathrm{PaO}_{2} \leq 55 \mathrm{mmHg}\right) ,并且
  • 静息时呼吸困难。

诊断必须由呼吸科医生确认。


手术切除一侧肺部


因被保险人的疾病或意外而进行的左肺或右肺的全部外科切除。肺部的部分切除不包括在此福利内。


8. 终末期肝衰竭(Cl 组 8)
严重阶段
早期和中期阶段

终末期肝衰竭
肝脏手术

终末期肝衰竭的证据

所有以下内容:

部分肝切除术,至少切除一个完整的肝叶,因疾病或事故被医学上认为是必要的,所导致的情况包括: - 持续性黄疸, - 腹水,和 - 肝性脑病。因酒精或药物滥用引起的肝病被排除在外。
Partial hepatectomy of at least one entire lobe of the liver that has been found medically necessary as a result of illness or Accident as suffered by the Life - Permanent jaundice, - Ascites, and - Hepatic encephalopathy. Liver disease secondary to alcohol or drug abuse is excluded.| Partial hepatectomy of at least one entire lobe of the liver that has been found | | :--- | | medically necessary as a result of illness or Accident as suffered by the Life | | - Permanent jaundice, | | - Ascites, and | | - Hepatic encephalopathy. | | Liver disease secondary to alcohol or | | drug abuse is excluded. |

因酒精或药物滥用直接或间接、全部或部分引起的肝脏疾病被排除在外。作为供体的肝切除术被排除在外。
Liver disease caused directly or indirectly, wholly or partly, by alcohol or drug abuse is excluded. Hepatectomy as a donor is excluded.| Liver disease caused directly or indirectly, wholly or partly, by alcohol or drug | | :--- | | abuse is excluded. Hepatectomy as a donor is excluded. |

肝硬化 肝硬化伴有 HAI-Knodell 评分为 6 及以上,肝活检结果显示。肝硬化的诊断必须由肝病专家明确确认,并基于肝活检的组织学结果。
Liver Cirrhosis Cirrhosis of Liver with a HAI-Knodell Score of 6 and above as evident by liver biopsy. The diagnosis of liver cirhosis must be unequivocally confirmed by a hepatologist and based on the histological findings of the liver biopsy.| Liver Cirrhosis | | :--- | | Cirrhosis of Liver with a HAI-Knodell Score of 6 and above as evident by liver | | biopsy. The diagnosis of liver cirhosis must be unequivocally confirmed by a | | hepatologist and based on the histological findings of the liver biopsy. |

因酒精和药物滥用引起的肝病被排除在外。
Severe Stage Early and Intermediate Stages End Stage Liver Failure Liver Surgery End stage liver failure as evidenced by all of the following: "Partial hepatectomy of at least one entire lobe of the liver that has been found medically necessary as a result of illness or Accident as suffered by the Life - Permanent jaundice, - Ascites, and - Hepatic encephalopathy. Liver disease secondary to alcohol or drug abuse is excluded." "Liver disease caused directly or indirectly, wholly or partly, by alcohol or drug abuse is excluded. Hepatectomy as a donor is excluded." "Liver Cirrhosis Cirrhosis of Liver with a HAI-Knodell Score of 6 and above as evident by liver biopsy. The diagnosis of liver cirhosis must be unequivocally confirmed by a hepatologist and based on the histological findings of the liver biopsy." Liver disease secondary to alcohol and drug abuse are excluded.| Severe Stage | Early and Intermediate Stages | | :--- | :--- | | End Stage Liver Failure | Liver Surgery | | End stage liver failure as evidenced by | | | all of the following: | Partial hepatectomy of at least one entire lobe of the liver that has been found <br> medically necessary as a result of illness or Accident as suffered by the Life <br> - Permanent jaundice, <br> - Ascites, and <br> - Hepatic encephalopathy. <br> Liver disease secondary to alcohol or <br> drug abuse is excluded. | | | Liver disease caused directly or indirectly, wholly or partly, by alcohol or drug <br> abuse is excluded. Hepatectomy as a donor is excluded. | | | Liver Cirrhosis <br> Cirrhosis of Liver with a HAI-Knodell Score of 6 and above as evident by liver <br> biopsy. The diagnosis of liver cirhosis must be unequivocally confirmed by a <br> hepatologist and based on the histological findings of the liver biopsy. | | | Liver disease secondary to alcohol and drug abuse are excluded. |

  1. quad\quad 昏迷 (Cl 组 9)
严重阶段
昏迷

持续至少 96 小时的昏迷
Severe Stage Coma A coma that persists for at least 96| Severe Stage | | :--- | | Coma | | A coma that persists for at least 96 |

小时。此诊断必须有以下所有证据支持:

  • 至少 96 小时内对外部刺激没有反应,

  • 生命支持措施是维持生命所必需的,

  • 脑损伤导致永久性神经功能缺损,必须在昏迷发作至少 30 天后进行评估。

根据上述定义,医学诱导的昏迷以及直接因酒精或药物滥用导致的昏迷被排除在外。


早期和中期阶段

昏迷 48 小时

持续至少 48 小时的昏迷。此诊断必须有以下所有证据的支持:


(a) 至少 48 小时内对外部刺激没有反应,


(b) 生命支持措施是维持生命所必需的,


© 脑损伤导致永久性神经功能缺损,必须在昏迷发作至少 30 天后进行评估。

因酒精、药物滥用或医学诱导直接导致的昏迷被排除在外。

严重癫痫


严重癫痫由以下所有因素确认:

  • 由神经科医生通过使用脑电图(EEG)、磁共振成像(MRI)、正电子发射断层扫描(PET)或任何其他可用的适当诊断测试所做的诊断,

  • 必须有文档记录每周超过 5 次的反复无诱因的强直-阵挛或大发作,并且已知对最佳治疗具有耐药性,需通过药物血清水平检测确认

  • 被保险人必须在神经科医生的建议下,至少服用 2 种处方抗癫痫(抗惊厥)药物至少 6 个月。

发热性或缺失(小发作)癫痫单独不会满足此定义的要求。


10. 耳聋(不可逆的听力丧失)(CI 第 10 组)
S
早期和中期阶段

失聪(不可逆转的损失)

听证会

部分听力损失

永久性双耳(与双耳相关或涉及双耳)听力损失

完全且不可逆的听力丧失

因疾病导致所有听力频率至少损失 60 分贝

由于疾病导致的双耳

事故。听力损失必须由耳鼻喉科(ENT)确诊。

事故。此诊断必须是

专家并通过客观诊断测试进行支持,以指示

支持由听力测量和声音-
q

耳鼻喉科专家

总计意味着“在所有听觉频率中损失至少 80 分贝”。

实际进行海绵窦的外科引流

血栓形成。必须确认海绵窦血栓的存在以及需要外科干预的情况。

不可逆转意味着“无法合理恢复到至少 40”

必要的神经外科

医疗治疗的分贝,听力

耳蜗植入手术

援助和/或外科手术

与当前标准一致

实际进行的外科耳蜗植入手术(涉及一侧或双侧)

可用的医疗服务

耳朵) 由于耳蜗或听神经的永久性损伤。

新加坡经过 6 个月的时间

手术程序以及植入物的插入必须经过认证

从干预之日起。

由耳鼻喉科(ENT)专家认为是医学上必要的。
S Early and Intermediate Stages Deafness (Irreversible Loss ofHearing) Partial loss of hearing Permanent binaural (relating to or involving both ears) hearing loss with the Total and irreversible loss of hearing in loss of at least 60 decibels in all frequencies of hearing as a result of illness or both ears as a result of illness or Accident. The hearing loss must be established by an Ear, Nose, Throat (ENT) accident. This diagnosis must be specialist and supported by an objective diagnostic test to indicate the supported by audiometric and sound- q an Ear, Nose, Throat (ENT) specia Total means "the loss of at least 80 decibels in all frequencies of hearing". The actual undergoing of a surgical drainage for Cavernous Sinus Thrombosis. The presence of Cavernous Sinus Thrombosis as well as the requirement for surgical intervention must be certified to be medically Irreversible means "cannot be reasonably restored to at least 40 necessary by a neurosurg decibels by medical treatment, hearing Cochlear implant surgery aid and/or surgical procedures consistent with the current standard of The actual undergoing of a surgical cochlear implant (relating to one or both the medical services available in ears) as a result of permanent damage to the cochlea or auditory nerve. The Singapore after a period of 6 months surgical procedure as well as the insertion of the implant must be certified to from the date of intervention." be medically necessary by an Ear, Nose, Throat (ENT) specialist.| S | Early and Intermediate Stages | | :---: | :---: | | Deafness (Irreversible Loss ofHearing) | Partial loss of hearing | | | Permanent binaural (relating to or involving both ears) hearing loss with the | | Total and irreversible loss of hearing in | loss of at least 60 decibels in all frequencies of hearing as a result of illness or | | both ears as a result of illness or | Accident. The hearing loss must be established by an Ear, Nose, Throat (ENT) | | accident. This diagnosis must be | specialist and supported by an objective diagnostic test to indicate the | | supported by audiometric and sound- | q | | an Ear, Nose, Throat (ENT) specia | | | Total means "the loss of at least 80 decibels in all frequencies of hearing". | The actual undergoing of a surgical drainage for Cavernous Sinus | | | Thrombosis. The presence of Cavernous Sinus Thrombosis as well as the requirement for surgical intervention must be certified to be medically | | Irreversible means "cannot be reasonably restored to at least 40 | necessary by a neurosurg | | | | | decibels by medical treatment, hearing | Cochlear implant surgery | | aid and/or surgical procedures | | | consistent with the current standard of | The actual undergoing of a surgical cochlear implant (relating to one or both | | the medical services available in | ears) as a result of permanent damage to the cochlea or auditory nerve. The | | Singapore after a period of 6 months | surgical procedure as well as the insertion of the implant must be certified to | | from the date of intervention." | be medically necessary by an Ear, Nose, Throat (ENT) specialist. |

  1. 开放胸腔心脏瓣膜手术(CI 组 11)
严重阶段

开放式胸腔心脏瓣膜手术

实际进行的开胸手术

心脏瓣膜置换或修复手术

异常。心脏的诊断

阀门异常必须得到支持

通过心脏导管插入术或

超声心动图及其程序

必须考虑医学因素

由顾问心脏病专家所需。
Severe Stage Open Chest Heart Valve Surgery The actual undergoing of open-heart surgery to replace or repair heart valve abnormalities. The diagnosis of heart valve abnormality must be supported by cardiac catheterization or echocardiogram and the procedure must be considered medically necessary by a consultant cardiologist.| Severe Stage | | :--- | | Open Chest Heart Valve Surgery | | The actual undergoing of open-heart | | surgery to replace or repair heart valve | | abnormalities. The diagnosis of heart | | valve abnormality must be supported | | by cardiac catheterization or | | echocardiogram and the procedure | | must be considered medically | | necessary by a consultant cardiologist. |


早期和中期经皮瓣膜手术


经皮瓣膜手术是指经皮瓣膜成形术、经皮瓣膜切开术和经皮瓣膜置换术,这些手术通过微创或血管内导管技术进行。手术必须被咨询心脏病专家认为是医学上必要的,并得到适当检查的支持。


12. 不可逆的语言丧失 (CI 组 12)


严重阶段不可逆的语言丧失


由于声带受伤或疾病导致的完全和不可逆转的说话能力丧失。必须确立连续 12 个月无法说话的情况。此诊断必须由耳鼻喉科(ENT)专家提供的医学证据支持。

所有精神相关原因均被排除。


早期和中期阶段的永久(或临时)气管切开术


进行气管切开术以治疗肺病或气道疾病,或作为重大创伤或烧伤后的通气支持措施。

需要医疗专家的护理证明。


气管切开术必须是为了挽救生命而进行的。只有在气管切开术需要保持在位并且功能正常持续 3 个月的情况下,才可支付该项福利。


由于神经疾病导致的不可逆失语


由于神经疾病或损伤导致的完全和不可逆转的说话能力丧失。必须确立连续 12 个月的无法说话状态。此诊断必须由耳鼻喉科(ENT)专家提供的医学证据支持。

所有精神相关原因均被排除。


13. 主要烧伤(Cl 组 13)
严重阶段
早期和中期阶段
主要烧伤

轻度烧伤 - 二级(部分厚度皮肤)烧伤,覆盖至少 20%的被保险人身体表面,或
Mild Burns - second degree (partial thickness of the skin) burns covering at least 20% of the surface of the Life Assured's body, or| Mild Burns | | :--- | | - second degree (partial thickness of the skin) burns covering at least 20% | | of the surface of the Life Assured's body, or |

第三度(全层皮肤)烧伤覆盖至少 20%的被保险人身体表面。
Third degree (full thickness of the skin) burns covering at least 20% of the surface of the Life Assured's body.| Third degree (full thickness of the skin) | | :--- | | burns covering at least 20% of the | | surface of the Life Assured's body. |

- 第三度(全层皮肤)烧伤,覆盖至少 50%的被保险人面部。
- third degree (full thickness of the skin) burns covering at least 50% of the face of the Life Assured.| - third degree (full thickness of the skin) burns covering at least 50% of the | | :--- | | face of the Life Assured. |
Severe Stage Early and Intermediate Stages Major Burns "Mild Burns - second degree (partial thickness of the skin) burns covering at least 20% of the surface of the Life Assured's body, or" "Third degree (full thickness of the skin) burns covering at least 20% of the surface of the Life Assured's body." "- third degree (full thickness of the skin) burns covering at least 50% of the face of the Life Assured."| Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Major Burns | Mild Burns <br> - second degree (partial thickness of the skin) burns covering at least 20% <br> of the surface of the Life Assured's body, or | | Third degree (full thickness of the skin) <br> burns covering at least 20% of the <br> surface of the Life Assured's body. | - third degree (full thickness of the skin) burns covering at least 50% of the <br> face of the Life Assured. |

  1. 主要器官/骨髓移植(CI 组 14)
严重阶段

主要器官 / 骨髓
移植

移植的接收:

- 人骨髓使用

造血干细胞先于

通过全骨髓消融,或
Severe Stage Major Organ / Bone Marrow Transplantation The receipt of a transplant of: - Human bone marrow using haematopoietic stem cells preceded by total bone marrow ablation, or| Severe Stage | | :--- | | Major Organ / Bone Marrow | | Transplantation | | The receipt of a transplant of: | | - Human bone marrow using | | haematopoietic stem cells preceded | | by total bone marrow ablation, or |

  • 以下人类器官之一:心脏、肺、肝脏、肾脏、胰腺,因相关器官不可逆的终末期衰竭而导致。

其他干细胞移植被排除在外。


早期和中期阶段

其他器官移植

小肠移植

移植的接收:

  • 至少一米的小肠通过因肠功能衰竭而进行的剖腹手术获得自身血供。

    (b)角膜移植

移植的接收:

  • 由于不可逆的瘢痕导致整个角膜的视力下降,无法通过其他方法纠正。


主要器官 / 骨髓移植(在等待名单上)


此福利仅限于新加坡卫生部医院名单上官方器官移植候补名单上的人员。

接受移植的官方候补名单的文件证明:

  • 人类骨髓使用造血干细胞,前提是完全骨髓消融,或

  • 以下人类器官之一:心脏、肺、肝脏、肾脏、胰腺,因相关器官不可逆的终末期衰竭而导致

    是必需的。

    其他干细胞移植被排除在外。

  1. 多发性硬化症(CI 组 15)
严重阶段
早期和中期阶段
多发性硬化症
早期多发性硬化症(中间阶段)

多发性确诊

多发性硬化症的明确诊断由神经科医生确认

硬化症,必须得到所有人的支持
以下内容的翻译:

由调查支持,明确确认诊断为

调查明确无误地

确认诊断为多发性

其他神经损伤的原因,如系统性红斑狼疮

硬化症,以及持续至少 6 个月的多重神经功能缺损。
Sclerosis, and Multiple neurological deficits which occurred over a continuous period of at least 6 months.| Sclerosis, and | | :--- | | Multiple neurological deficits which | | occurred over a continuous period | | of at least 6 months. |

红斑狼疮性肾炎和人类免疫缺陷病毒(HIV)被排除在外。
Erythematosus with Lupus Nephritis and Human Immunodeficiency Virus (HIV) are excluded.| Erythematosus with Lupus Nephritis and Human Immunodeficiency Virus | | :--- | | (HIV) are excluded. |

其他神经损伤的原因

例如 SLE 和 HIV 被排除在外。
Severe Stage Early and Intermediate Stages Multiple Sclerosis Early Multiple Sclerosis (Intermediate stage) The definite diagnosis of Multiple The definite diagnosis of Multiple Sclerosis confirmed by a neurologist and Sclerosis, and must be supported by all of the following: supported by investigations which unequivocally confirm the diagnosis to be Investigations which unequivocally confirm the diagnosis to be Multiple Other causes of neurological damage such as Systemic Lupus "Sclerosis, and Multiple neurological deficits which occurred over a continuous period of at least 6 months." "Erythematosus with Lupus Nephritis and Human Immunodeficiency Virus (HIV) are excluded." Other causes of neurological damage such as SLE and HIV are excluded. | Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Multiple Sclerosis | Early Multiple Sclerosis (Intermediate stage) | | The definite diagnosis of Multiple | The definite diagnosis of Multiple Sclerosis confirmed by a neurologist and | | Sclerosis, and must be supported by all | | | of the following: | | | supported by investigations which unequivocally confirm the diagnosis to be | | | Investigations which unequivocally | | | confirm the diagnosis to be Multiple | Other causes of neurological damage such as Systemic Lupus | | Sclerosis, and <br> Multiple neurological deficits which <br> occurred over a continuous period <br> of at least 6 months. | Erythematosus with Lupus Nephritis and Human Immunodeficiency Virus <br> (HIV) are excluded. | | Other causes of neurological damage | | | such as SLE and HIV are excluded. | |

  1. 肌肉萎缩症(Cl 组 16)
严重阶段
早期和中期阶段
肌肉萎缩症

脊髓疾病或损伤导致肠道和膀胱功能障碍
Spinal Cord Disease or Injury resulting in Bowel and Bladder Dysfunction| Spinal Cord Disease or Injury resulting in Bowel and Bladder | | :--- | | Dysfunction |

肌肉萎缩症的明确诊断必须由顾问做出
The unequivocal diagnosis of muscular dystrophy must be made by a consultant| The unequivocal diagnosis of muscular | | :--- | | dystrophy must be made by a consultant |
Severe Stage Early and Intermediate Stages Muscular Dystrophy "Spinal Cord Disease or Injury resulting in Bowel and Bladder Dysfunction" "The unequivocal diagnosis of muscular dystrophy must be made by a consultant" | Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Muscular Dystrophy | Spinal Cord Disease or Injury resulting in Bowel and Bladder <br> Dysfunction | | The unequivocal diagnosis of muscular <br> dystrophy must be made by a consultant | |

神经科医生。该状况必须导致被保险人无法在连续至少 6 个月的时间内(无论是借助他人还是独立)完成至少 6 项“日常生活活动”中的 3 项。

为了本定义的目的,“辅助”应指借助特殊设备、装置和/或器械,而不涉及人力援助。

脊髓疾病或马尾神经损伤导致永久性肠道功能障碍和膀胱功能障碍,需要定期自我导尿或永久性尿道。诊断必须由神经科顾问支持。需要自我导尿或尿道的肠道和膀胱功能障碍必须确认存在至少 6 个月,以符合该福利的索赔资格。


中度肌肉萎缩症


肌肉萎缩症的明确诊断必须由咨询神经科医生做出。该病症必须导致被保险人无法在至少连续 6 个月的时间内(无论是否有辅助)完成至少 6 项“日常生活活动”中的 2 项。


为了本定义的目的,“辅助”应指借助特殊设备、装置和/或器械,而不涉及人力援助。


特发性帕金森病(CI 组 17)
严重阶段

特发性帕金森病

特发性疾病的明确诊断

帕金森病由顾问提供

神经科医生。这个诊断必须是

得到以下所有支持
条件:

该疾病无法控制
与药物一起,和

被保险人无法

执行(无论是有辅助还是无辅助)

至少 3 项 6 个“日常活动”

居住"连续一段时间在
至少 6 个月。
Severe Stage Idiopathic Parkinson's Disease The unequivocal diagnosis of idiopathic Parkinson's Disease by a consultant neurologist. This diagnosis must be supported by all of the following conditions: The disease cannot be controlled with medication, and Inability of the Life Assured to perform (whether aided or unaided) at least 3 of the 6 "Activities of Daily Living" for a continuous period of at least 6 months.| Severe Stage | | :--- | | Idiopathic Parkinson's Disease | | The unequivocal diagnosis of idiopathic | | Parkinson's Disease by a consultant | | neurologist. This diagnosis must be | | supported by all of the following | | conditions: | | The disease cannot be controlled | | with medication, and | | Inability of the Life Assured to | | perform (whether aided or unaided) | | at least 3 of the 6 "Activities of Daily | | Living" for a continuous period of at | | least 6 months. |

为了本定义的目的,“辅助”应指借助特殊设备、装置和/或器械,而不涉及人力援助。


早期和中期阶段 早期帕金森病


相关领域专家对特发性帕金森病的明确诊断。

此诊断必须由以下条件支持:

  • 该疾病无法通过药物控制


中度严重的帕金森病


顾问神经科医生对特发性帕金森病的明确诊断。该诊断必须得到以下所有条件的支持:

  • 该疾病无法通过药物控制,

  • 被保险人无法在至少连续 6 个月内(无论是否有帮助)完成 6 项“日常生活活动”中的至少 2 项。

为了本定义的目的,“辅助”应指借助特殊设备、装置和/或器械,而不涉及人力援助。


18. 开胸主动脉手术(CI 组 18)
严重阶段
早期和中期阶段

开放胸部手术至主动脉

大型无症状主动脉瘤及微创主动脉手术
Large Asymptomatic Aortic Aneurysm, and Minimally Invasive Surgery to Aorta| Large Asymptomatic Aortic Aneurysm, and Minimally Invasive | | :--- | | Surgery to Aorta |

进行重大手术以修复或纠正主动脉的动脉瘤、狭窄、阻塞或剥离,通过外科手术打开胸部或腹部。根据本定义,主动脉指胸主动脉和腹主动脉,但不包括其
The actual undergoing of major surgery to repair or correct an aneurysm, narrowing, obstruction or dissection of the aorta through surgical opening of the chest or abdomen. For the purpose of this definition, aorta shall mean the thoracic and abdominal aorta but not its| The actual undergoing of major surgery | | :--- | | to repair or correct an aneurysm, | | narrowing, obstruction or dissection of | | the aorta through surgical opening of | | the chest or abdomen. For the purpose | | of this definition, aorta shall mean the | | thoracic and abdominal aorta but not its |

(a)大型无症状主动脉瘤:通过适当的影像学技术证实的大型无症状腹部或胸部主动脉瘤或主动脉夹层。主动脉直径必须大于 55mm,并且诊断必须由咨询心脏病专家确认。
(a) Large Asymptomatic Aortic Aneurysm: Large asymptomatic abdominal or thoracic aortic aneurysm or aortic dissection as evidenced by appropriate imaging technique. The aorta must be enlarged greater than 55mm in diameter and the diagnosis must be confirmed by a consultant cardiologist.| (a) Large Asymptomatic Aortic Aneurysm: | | :--- | | Large asymptomatic abdominal or thoracic aortic aneurysm or aortic | | dissection as evidenced by appropriate imaging technique. The aorta | | must be enlarged greater than 55mm in diameter and the diagnosis | | must be confirmed by a consultant cardiologist. |

仅使用微创或动脉内技术进行的手术被排除在外。
Surgery performed using only minimally invasive or intra-arterial techniques are excluded.| Surgery performed using only minimally | | :--- | :--- | | invasive or intra-arterial techniques are | | excluded. |

(b)微创手术修复主动脉:通过微创或动脉内技术进行手术,以修复或纠正主动脉的动脉瘤、狭窄、阻塞或夹层,需通过心脏超声心动图或任何其他可用的适当诊断测试进行证实,并由顾问心脏病专家确认。
(b) Minimally Invasive Surgery to Aorta: The actual undergoing of surgery via minimally invasive or intra-arterial techniques to repair or correct an aneurysm, narrowing, obstruction or dissection of the aorta, as evidenced by a cardiac echocardiogram or any other appropriate diagnostic test that is available and confirmed by a consultant cardiologist.| (b) Minimally Invasive Surgery to Aorta: | | :--- | | The actual undergoing of surgery via minimally invasive or intra-arterial | | techniques to repair or correct an aneurysm, narrowing, obstruction or | | dissection of the aorta, as evidenced by a cardiac echocardiogram or | | any other appropriate diagnostic test that is available and confirmed by | | a consultant cardiologist. |

对于本定义,主动脉指的是胸主动脉和腹主动脉,但不包括其分支。
For the purpose of this definition, Aorta shall mean the thoracic and abdominal aorta but not its branches.| For the purpose of this definition, Aorta shall mean the thoracic and | | :--- | | abdominal aorta but not its branches. |
Severe Stage Early and Intermediate Stages Open Chest Surgery to Aorta "Large Asymptomatic Aortic Aneurysm, and Minimally Invasive Surgery to Aorta" "The actual undergoing of major surgery to repair or correct an aneurysm, narrowing, obstruction or dissection of the aorta through surgical opening of the chest or abdomen. For the purpose of this definition, aorta shall mean the thoracic and abdominal aorta but not its" "(a) Large Asymptomatic Aortic Aneurysm: Large asymptomatic abdominal or thoracic aortic aneurysm or aortic dissection as evidenced by appropriate imaging technique. The aorta must be enlarged greater than 55mm in diameter and the diagnosis must be confirmed by a consultant cardiologist." "Surgery performed using only minimally invasive or intra-arterial techniques are excluded." "(b) Minimally Invasive Surgery to Aorta: The actual undergoing of surgery via minimally invasive or intra-arterial techniques to repair or correct an aneurysm, narrowing, obstruction or dissection of the aorta, as evidenced by a cardiac echocardiogram or any other appropriate diagnostic test that is available and confirmed by a consultant cardiologist." "For the purpose of this definition, Aorta shall mean the thoracic and abdominal aorta but not its branches."| Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Open Chest Surgery to Aorta | Large Asymptomatic Aortic Aneurysm, and Minimally Invasive <br> Surgery to Aorta | | The actual undergoing of major surgery <br> to repair or correct an aneurysm, <br> narrowing, obstruction or dissection of <br> the aorta through surgical opening of <br> the chest or abdomen. For the purpose <br> of this definition, aorta shall mean the <br> thoracic and abdominal aorta but not its | (a) Large Asymptomatic Aortic Aneurysm: <br> Large asymptomatic abdominal or thoracic aortic aneurysm or aortic <br> dissection as evidenced by appropriate imaging technique. The aorta <br> must be enlarged greater than 55mm in diameter and the diagnosis <br> must be confirmed by a consultant cardiologist. | | Surgery performed using only minimally <br> invasive or intra-arterial techniques are <br> excluded. | (b) Minimally Invasive Surgery to Aorta: <br> The actual undergoing of surgery via minimally invasive or intra-arterial <br> techniques to repair or correct an aneurysm, narrowing, obstruction or <br> dissection of the aorta, as evidenced by a cardiac echocardiogram or <br> any other appropriate diagnostic test that is available and confirmed by <br> a consultant cardiologist. | | | For the purpose of this definition, Aorta shall mean the thoracic and <br> abdominal aorta but not its branches. |

  1. 阿尔茨海默病 / 重度痴呆(CI 组 19)
严重阶段
早期和中期阶段

阿尔茨海默病 / / /// 严重的认知功能恶化或丧失,经过临床评估和影像学检查确认,源于阿尔茨海默病或不可逆的器质性疾病,导致精神和社会功能显著下降,需要对被保险人进行持续监督。此诊断必须得到适当顾问的临床确认,并由我们指定的注册医疗从业者支持。以下情况不包括在内:- 非器质性疾病,如神经症和精神疾病,以及 - 与酒精相关的脑损伤。
Alzheimer's,Dementia,Disease // Severe Deterioration or loss of cognitive function as confirmed by clinical evaluation and imaging tests, arising from Alzheimer's disease or irreversible organic disorders, resulting in significant reduction in mental and social functioning requiring the continuous supervision of the life assured. This diagnosis must be supported by the clinical confirmation of an appropriate consultant and supported by Our appointed Registered Medical Practitioner. The following are excluded: - Non-organic diseases such as neurosis and psychiatric illnesses, and - Alcohol related brain damage.| Alzheimer's <br> Dementia Disease $/$ Severe | | :--- | | Deterioration or loss of cognitive function as confirmed by clinical evaluation and imaging tests, arising from Alzheimer's disease or irreversible organic disorders, resulting in significant reduction in mental and social functioning requiring the continuous supervision of the life assured. This diagnosis must be supported by the clinical confirmation of an appropriate consultant and supported by Our appointed Registered Medical Practitioner. | | The following are excluded: | | - Non-organic diseases such as neurosis and psychiatric illnesses, and | | - Alcohol related brain damage. |

早期痴呆症 由顾问神经科医生通过神经评估确认的痴呆症,特征为认知障碍,表现为以下任一情况: - 两次迷你心理状态检查(Mini Mental State Examination)得分为 30 分中的 24 分或更低,且两次检查间隔 6 个月,或通过两次神经心理测评测试进行评估,间隔 6 个月,测试电池清楚地定义了障碍的严重程度。被保险人必须已接受顾问神经科医生开处方的疾病修正治疗。以下情况被排除在外: - 非器质性疾病,如神经症和精神疾病,以及 - 与酒精相关的脑损伤。 中度严重痴呆症,包括阿尔茨海默病 由顾问神经科医生确诊的阿尔茨海默病或由于不可逆转的器质性脑障碍引起的痴呆症。迷你心理状态检查得分必须低于 30 分中的 20 分,或使用其他阿尔茨海默病测试的等效得分。还必须有永久性临床能力丧失,无法完成以下所有事项: - 记忆, - 推理,以及 - 感知、理解、表达和实施想法。此诊断必须得到注册医疗从业者的临床确认支持。 以下内容被排除在外:- 非器质性疾病,如神经症和精神疾病,以及 - 与酒精相关的脑损伤。
Early Dementia Diagnosis of dementia by neurological assessment by a consultant neurologist confirming cognitive impairment characterised by either: - 2 Mini Mental State Examination score of 24 or less out of 30 performed 6 months apart, or assessed by 2 neuropsychometric tests performed 6 months apart with a battery of tests which clearly define the severity of the impairment. The Life Assured must have been placed on disease modifying treatment prescribed by a consultant neurologist. The following are excluded: - Non-organic diseases such as neurosis and psychiatric illnesses, and - Alcohol related brain damage. Moderately Severe Dementia including Alzheimer's Disease A definite diagnosis of Alzheimer's disease or dementia due to irreversible organic brain disorders by a consultant neurologist. The Mini-mental exam score must be less than 20 out of 30 or an equivalent of this score using other Alzheimer's tests. There must also be permanent clinical loss of the ability to do all the following: - Remember, - Reason, and - Perceive, understand, express and give effect to ideas. This diagnosis must be supported by the clinical confirmation of a Registered Medical Practitioner. The following are excluded: - Non-organic diseases such as neurosis and psychiatric illnesses, and - Alcohol related brain damage.| Early Dementia | | :--- | | Diagnosis of dementia by neurological assessment by a consultant neurologist confirming cognitive impairment characterised by either: | | - 2 Mini Mental State Examination score of 24 or less out of 30 performed 6 months apart, or | | assessed by 2 neuropsychometric tests performed 6 months apart with a battery of tests which clearly define the severity of the impairment. | | The Life Assured must have been placed on disease modifying treatment prescribed by a consultant neurologist. | | The following are excluded: | | - Non-organic diseases such as neurosis and psychiatric illnesses, and | | - Alcohol related brain damage. | | Moderately Severe Dementia including Alzheimer's Disease | | A definite diagnosis of Alzheimer's disease or dementia due to irreversible organic brain disorders by a consultant neurologist. The Mini-mental exam score must be less than 20 out of 30 or an equivalent of this score using other Alzheimer's tests. There must also be permanent clinical loss of the ability to do all the following: | | - Remember, | | - Reason, and | | - Perceive, understand, express and give effect to ideas. | | This diagnosis must be supported by the clinical confirmation of a Registered Medical Practitioner. | | The following are excluded: | | - Non-organic diseases such as neurosis and psychiatric illnesses, and | | - Alcohol related brain damage. |
Severe Stage Early and Intermediate Stages "Alzheimer's,Dementia,Disease // Severe Deterioration or loss of cognitive function as confirmed by clinical evaluation and imaging tests, arising from Alzheimer's disease or irreversible organic disorders, resulting in significant reduction in mental and social functioning requiring the continuous supervision of the life assured. This diagnosis must be supported by the clinical confirmation of an appropriate consultant and supported by Our appointed Registered Medical Practitioner. The following are excluded: - Non-organic diseases such as neurosis and psychiatric illnesses, and - Alcohol related brain damage." "Early Dementia Diagnosis of dementia by neurological assessment by a consultant neurologist confirming cognitive impairment characterised by either: - 2 Mini Mental State Examination score of 24 or less out of 30 performed 6 months apart, or assessed by 2 neuropsychometric tests performed 6 months apart with a battery of tests which clearly define the severity of the impairment. The Life Assured must have been placed on disease modifying treatment prescribed by a consultant neurologist. The following are excluded: - Non-organic diseases such as neurosis and psychiatric illnesses, and - Alcohol related brain damage. Moderately Severe Dementia including Alzheimer's Disease A definite diagnosis of Alzheimer's disease or dementia due to irreversible organic brain disorders by a consultant neurologist. The Mini-mental exam score must be less than 20 out of 30 or an equivalent of this score using other Alzheimer's tests. There must also be permanent clinical loss of the ability to do all the following: - Remember, - Reason, and - Perceive, understand, express and give effect to ideas. This diagnosis must be supported by the clinical confirmation of a Registered Medical Practitioner. The following are excluded: - Non-organic diseases such as neurosis and psychiatric illnesses, and - Alcohol related brain damage."| Severe Stage | Early and Intermediate Stages | | :---: | :---: | | Alzheimer's <br> Dementia Disease $/$ Severe <br> Deterioration or loss of cognitive function as confirmed by clinical evaluation and imaging tests, arising from Alzheimer's disease or irreversible organic disorders, resulting in significant reduction in mental and social functioning requiring the continuous supervision of the life assured. This diagnosis must be supported by the clinical confirmation of an appropriate consultant and supported by Our appointed Registered Medical Practitioner. <br> The following are excluded: <br> - Non-organic diseases such as neurosis and psychiatric illnesses, and <br> - Alcohol related brain damage. | Early Dementia <br> Diagnosis of dementia by neurological assessment by a consultant neurologist confirming cognitive impairment characterised by either: <br> - 2 Mini Mental State Examination score of 24 or less out of 30 performed 6 months apart, or <br> assessed by 2 neuropsychometric tests performed 6 months apart with a battery of tests which clearly define the severity of the impairment. <br> The Life Assured must have been placed on disease modifying treatment prescribed by a consultant neurologist. <br> The following are excluded: <br> - Non-organic diseases such as neurosis and psychiatric illnesses, and <br> - Alcohol related brain damage. <br> Moderately Severe Dementia including Alzheimer's Disease <br> A definite diagnosis of Alzheimer's disease or dementia due to irreversible organic brain disorders by a consultant neurologist. The Mini-mental exam score must be less than 20 out of 30 or an equivalent of this score using other Alzheimer's tests. There must also be permanent clinical loss of the ability to do all the following: <br> - Remember, <br> - Reason, and <br> - Perceive, understand, express and give effect to ideas. <br> This diagnosis must be supported by the clinical confirmation of a Registered Medical Practitioner. <br> The following are excluded: <br> - Non-organic diseases such as neurosis and psychiatric illnesses, and <br> - Alcohol related brain damage. |


20. 爆发性肝炎(CI 组 20)


严重阶段暴发性肝炎,由肝炎病毒引起的肝脏亚大到大范围坏死,迅速导致肝功能衰竭。此诊断必须由以下所有内容支持:- 腹部超声确认的肝脏迅速缩小,- 坏死涉及整个肝小叶,仅留下塌陷的网状框架,- 肝功能检测迅速恶化,- 黄疸加重,以及- 肝性脑病。


早期和中期阶段

肝炎伴肝硬化

由肝炎病毒引起的肝脏亚大规模坏死导致肝硬化。必须由胃肠病专家确诊肝硬化,并且必须通过肝活检支持,显示 Metavir 分级的组织学阶段为 F4 或 Knodell 纤维化评分为 4。

因酒精和药物滥用引起的肝病被排除在外。


胆道重建手术


胆道重建手术,包括胆总管肠吻合术(胆总管空肠吻合术或胆总管十二指肠吻合术),用于治疗胆道疾病,包括胆道闭锁,且不适合其他外科或内窥镜手术。该手术必须被肝胆疾病专家视为最合适的治疗方法。如果该手术是为了治疗胆结石疾病或胆管炎的后果,则不予支付此项福利。


慢性原发性硬化性胆管炎


该福利适用于通过胆道造影确认的慢性原发性硬化性胆管炎,确认胆道逐渐闭塞

诊断必须由胃肠病专家进行,并且病情必须发展到出现永久性黄疸的程度。
ducts. The diagnosis must be made by a gastroenterologist and the condition must have progressed to the point where there is permanent jaundice.| ducts. The diagnosis must be made by a gastroenterologist and the | | :--- | | condition must have progressed to the point where there is permanent | | jaundice. |

胆道硬化或阻塞,作为胆道手术、胆石病、感染、炎症性肠病或其他继发性诱因的结果被排除在外。
Biliary tract sclerosis or obstruction as a consequence of biliary surgery, gall stone disease, infection, inflammatory bowel disease or other secondary precipitants is excluded.| Biliary tract sclerosis or obstruction as a consequence of biliary surgery, gall | | :--- | | stone disease, infection, inflammatory bowel disease or other secondary | | precipitants is excluded. |
"ducts. The diagnosis must be made by a gastroenterologist and the condition must have progressed to the point where there is permanent jaundice." "Biliary tract sclerosis or obstruction as a consequence of biliary surgery, gall stone disease, infection, inflammatory bowel disease or other secondary precipitants is excluded." | | ducts. The diagnosis must be made by a gastroenterologist and the <br> condition must have progressed to the point where there is permanent <br> jaundice. | | :--- | :--- | | Biliary tract sclerosis or obstruction as a consequence of biliary surgery, gall <br> stone disease, infection, inflammatory bowel disease or other secondary <br> precipitants is excluded. | |

  1. 运动神经元疾病(CI 组 21)
严重阶段
运动神经元疾病

运动神经元疾病的特征是

渐进性退化

皮质脊髓束和前角

细胞或球状传出神经元

包括脊髓性肌萎缩症,

进行性球麻痹,肌萎缩

侧索硬化症和原发性侧索

硬化症。此诊断必须是

由神经科医生确认为

渐进的并导致永久性的
神经缺损。
Severe Stage Motor Neurone Disease Motor neurone disease characterised by progressive degeneration of corticospinal tracts and anterior horn cells or bulbar efferent neurones which include spinal muscular atrophy, progressive bulbar palsy, amyotrophic lateral sclerosis and primary lateral sclerosis. This diagnosis must be confirmed by a neurologist as progressive and resulting in permanent neurological deficit. | Severe Stage | | | :--- | :--- | | Motor Neurone Disease | | | Motor neurone disease characterised by | | | progressive degeneration of | | | corticospinal tracts and anterior horn | | | cells or bulbar efferent neurones which | | | include spinal muscular atrophy, | | | progressive bulbar palsy, amyotrophic | | | lateral sclerosis and primary lateral | | | sclerosis. This diagnosis must be | | | confirmed by a neurologist as | | | progressive and resulting in permanent | | | neurological deficit. | |

早期和中期阶段

周围神经病

这指的是由前角细胞引起的严重周围运动神经病,导致显著的运动无力、肌肉颤动和肌肉萎缩。诊断必须由顾问神经科医生通过神经传导研究确认,并导致永久需要使用助行器或轮椅。糖尿病神经病和由于酒精引起的神经病被排除在外。


早期运动神经元疾病(中期阶段)


运动神经元疾病的特征是皮质脊髓束和前角细胞或延髓外周神经元的进行性退化,包括脊髓性肌萎缩症、进行性延髓麻痹


肌萎缩侧索硬化症和原发性侧索硬化症。此诊断必须由神经科医生确认为进行性,并通过适当的检查支持。


22. 原发性肺动脉高压(Cl 组 22)
严重阶段

原发性肺动脉高压

原发性肺动脉高压

显著的右心室扩大

通过包括的调查确认

心脏导管插入,导致

永久性身体残疾

纽约心脏病学会的最低四级

纽约心脏病协会(NYHA)分级
心脏功能障碍。

NYHA 心脏功能分级
减值:
Severe Stage Primary Pulmonary Hypertension Primary Pulmonary Hypertension with substantial right ventricular enlargement confirmed by investigations including cardiac catheterisation, resulting in permanent physical impairment of at least Class IV of the New York Heart Association (NYHA) Classification of Cardiac Impairment. The NYHA Classification of Cardiac Impairment:| Severe Stage | | :--- | | Primary Pulmonary Hypertension | | Primary Pulmonary Hypertension with | | substantial right ventricular enlargement | | confirmed by investigations including | | cardiac catheterisation, resulting in | | permanent physical impairment of at | | least Class IV of the New York Heart | | Association (NYHA) Classification of | | Cardiac Impairment. | | The NYHA Classification of Cardiac | | Impairment: |

班级没有身体活动的限制。普通的身体活动不会导致过度疲劳、呼吸困难或心绞痛。


轻度身体活动限制 II:活动。普通身体活动会导致症状。


类标记的物理限制


III:活动。静息时舒适,但较少的日常活动会引发症状。


无法参与任何班级


IV:无不适的身体活动。即使在休息时也可能出现症状。


早期和中期阶段


早期原发性或继发性肺动脉高压


原发性或继发性肺动脉高压,经过包括心脏导管检查在内的检查确认有显著的右心室扩大,导致纽约心脏协会(NYHA)心脏功能障碍分类至少为 III 级的永久性身体残疾。

NYHA 心脏功能障碍分级:


I 级:没有身体活动的限制。普通身体活动不会导致过度疲劳、呼吸困难或心绞痛。

第二类:轻度限制身体活动。普通身体活动会导致症状。


第三类:身体活动明显受限。静息时舒适,但普通活动会引发症状。

第四级:无法进行任何身体活动而不感到不适。即使在休息时也可能出现症状。


23. 由于输血和职业性获得的 HIV(CI 组 23)


由于输血和职业性获得的严重阶段 HIV


通过输血感染人类免疫缺陷病毒(HIV),前提是满足以下所有条件:

  • 输血是医学上必要的,或作为医疗治疗的一部分进行

  • 该输血是在政策发行日期、该附加利益的发行日期、该附加利益的利益开始日期、该附加利益的批注日期或该附加利益的复效日期(以较晚者为准)之后在新加坡接受的

  • 感染源已确定为提供输血的机构,该机构能够追踪到 HIV 污染血液的来源。


    (b) 由于在保单生效日期、该附加利益的生效日期、该附加利益的利益开始日期、批注日期或该附加利益的复效日期(以较晚者为准)后发生的意外而感染人类免疫缺陷病毒(HIV),前提是被保险人在新加坡执行其职业的正常专业职责,并且以下所有条件均已向公司证明令人满意:

  • 证明事故涉及确切来源的 HIV 感染液体,

  • 在记录的事故发生后 180 天内,从 HIV 阴性转为 HIV 阳性的血清转化证明。该证明必须包括在事故发生后 5 天内进行的 HIV 抗体阴性测试。

  • 艾滋病毒感染是由于其他任何方式,包括性行为和使用


早期和中期阶段


器官移植和攻击导致的 HIV


通过器官移植感染人类免疫缺陷病毒(HIV),前提是满足以下所有条件:

  • 器官移植是医学上必要的或作为医疗治疗的一部分

  • 该器官移植是在政策发行日期、该附加福利的发行日期、该附加福利的福利开始日期、背书日期或该附加福利的复效日期之后在新加坡进行的,以较晚者为准

  • 感染的来源已确定为提供移植的机构,该机构能够追溯到感染的移植器官的 HIV 来源。


    (b) 感染人类免疫缺陷病毒(HIV),该感染是由于身体或性侵犯所致,前提是满足以下所有条件:

  • 与袭击相关的事件必须在袭击发生后 30 天内报告给相关部门,并且必须立案

  • 该事件发生在保单生效日期、该附加利益的发行日期、该附加利益的利益开始日期、批单日期或该附加利益的复效日期之后,以较晚者为准

  • 对导致感染的攻击的证据必须在攻击发生后的 30 天内报告给公司

  • 证明攻击涉及 HIV 感染液体的明确来源,和

  • 在记录的攻击发生后的 180 天内,从 HIV 阴性转为 HIV 阳性的血清转化证明。该证明必须包括在攻击发生后 5 天内进行的 HIV 抗体阴性测试。

本附加福利在因 Cl Group 23 提出的索赔中不应由我们支付,前提是治疗在感染之前已可用。“治疗”是指任何使 HIV 失去活性或不具传染性的治疗。

因其他方式导致的 HIV 感染,包括双方同意的性行为或静脉注射药物的使用,均不包括在内。
intravenous drugs is
excluded

此福利仅在被保险人的职业为医疗从业者、住院医师、医学生、国家注册护士、医学实验室技术员、牙医(外科医生和护士)或在医疗中心或诊所(在新加坡)工作的辅助医疗人员时支付。

此补充福利在(a)或(b)条款下不适用,前提是感染之前已出现治愈方法。“治愈”是指任何使 HIV 失去活性或不具传染性的治疗。


良性脑肿瘤(Cl 组 24)


严重阶段良性脑肿瘤 良性脑肿瘤是指位于颅内的非恶性肿瘤

vault and limited to the brain, meninges or cranial nerves where all of the following conditions are met:

  • 它已被外科切除,或者如果无法手术,则导致了永久性神经功能缺损,

  • 其存在必须由神经科医生或神经外科医生确认,并通过磁共振成像、计算机断层扫描或其他可靠的影像技术的发现来支持。

以下内容被排除在外:
  • 囊肿,
  • 脓肿,
  • 血管瘤,
  • 肉芽肿,
  • 血管畸形
  • 血肿,

  • 垂体腺、脊髓和颅底的肿瘤。


早期和中期阶段

Surgical Removal of Pituitary Tumour

实际进行的垂体肿瘤手术切除是由于与肿瘤引起的颅内压增高相关的症状所必需的。必须通过影像学检查如 CT 扫描或 MRI 确认潜在肿瘤的存在。特别排除了对垂体微腺瘤(直径为 1 厘米或以下的肿瘤)的部分切除。


硬膜下血肿手术


因事故导致的硬膜下血肿,实际进行的钻孔手术。钻孔手术的必要性必须由神经外科医生认证为医学上必要。


25. 严重脑炎(CI 组 25)
严重阶段
早期和中期阶段
重度脑炎 脑炎

严重的脑实质炎症

严重的脑物质炎症(大脑半球、脑干或

(大脑半球, 脑干或

小脑) 需要住院治疗。诊断必须得到确认。

小脑) 并导致永久性

顾问神经科医生,并得到任何确认性诊断测试的支持。

神经缺损,必须

记录至少 6 周。这个

因 HIV 感染引起的脑炎被排除在外。

诊断必须由一个认证

顾问神经科医生并得到支持

任何确认性诊断测试。
Severe Stage Early and Intermediate Stages Severe Encephalitis Encephalitis Severe inflammation of brain substance Severe inflammation of brain substance (cerebral hemisphere, brainstem or (cerebral hemisphere, brainstem or cerebellum) requiring hospitalisation. The diagnosis must be confirmed by a cerebellum) and resulting in permanent consultant neurologist and supported by any confirmatory diagnostic tests. neurological deficit which must be documented for at least 6 weeks. This Encephalitis caused by HIV infection is excluded. diagnosis must be certified by a consultant neurologist and supported by any confirmatory diagnostic tests. | Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Severe Encephalitis | Encephalitis | | Severe inflammation of brain substance | Severe inflammation of brain substance (cerebral hemisphere, brainstem or | | (cerebral hemisphere, brainstem or | cerebellum) requiring hospitalisation. The diagnosis must be confirmed by a | | cerebellum) and resulting in permanent | consultant neurologist and supported by any confirmatory diagnostic tests. | | neurological deficit which must be | | | documented for at least 6 weeks. This | Encephalitis caused by HIV infection is excluded. | | diagnosis must be certified by a | | | consultant neurologist and supported by | | | any confirmatory diagnostic tests. | |

因 HIV 感染引起的脑炎被排除在外。


26. 严重细菌性脑膜炎(CI 组 26)
严重阶段
早期和中期阶段

严重细菌性脑膜炎
细菌性脑膜炎

细菌感染导致脑或脊髓膜的严重炎症,造成显著、不可逆转和永久性的神经功能缺损。神经功能缺损必须持续至少 6 周。此诊断必须通过以下方式确认:- 腰椎穿刺中发现脑脊液中的细菌感染,以及 - 一名顾问神经科医生。存在 HIV 感染时排除细菌性脑膜炎。
Bacterial infection resulting in severe inflammation of the membranes of the brain or spinal cord resulting in significant, irreversible and permanent neurological deficit. The neurological deficit must persist for at least 6 weeks. This diagnosis must be confirmed by: - The presence of bacterial infection in cerebrospinal fluid by lumbar puncture, and - A consultant neurologist. Bacterial Meningitis in the presence of HIV infection is excluded.| Bacterial infection resulting in severe inflammation of the membranes of the brain or spinal cord resulting in significant, irreversible and permanent neurological deficit. The neurological deficit must persist for at least 6 weeks. This diagnosis must be confirmed by: | | :--- | | - The presence of bacterial infection in cerebrospinal fluid by lumbar puncture, and | | - A consultant neurologist. | | Bacterial Meningitis in the presence of HIV infection is excluded. |

细菌感染导致脑或脊髓膜的严重炎症,需要住院治疗。此诊断必须通过以下方式确认:- 腰椎穿刺中发现细菌感染的脑脊液,以及 - 一名顾问神经科医生。在 HIV 感染的情况下,排除细菌性脑膜炎。
Bacterial infection resulting in severe inflammation of the membranes of the brain or spinal cord which requires hospitalisation. This diagnosis must be confirmed by: - The presence of bacterial infection in cerebrospinal fluid by lumbar puncture, and - A consultant neurologist. Bacterial Meningitis in the presence of HIV infection is excluded.| Bacterial infection resulting in severe inflammation of the membranes of the brain or spinal cord which requires hospitalisation. This diagnosis must be confirmed by: | | :--- | | - The presence of bacterial infection in cerebrospinal fluid by lumbar puncture, and | | - A consultant neurologist. | | Bacterial Meningitis in the presence of HIV infection is excluded. |
Severe Stage Early and Intermediate Stages Severe Bacterial Meningitis Bacterial Meningitis "Bacterial infection resulting in severe inflammation of the membranes of the brain or spinal cord resulting in significant, irreversible and permanent neurological deficit. The neurological deficit must persist for at least 6 weeks. This diagnosis must be confirmed by: - The presence of bacterial infection in cerebrospinal fluid by lumbar puncture, and - A consultant neurologist. Bacterial Meningitis in the presence of HIV infection is excluded." "Bacterial infection resulting in severe inflammation of the membranes of the brain or spinal cord which requires hospitalisation. This diagnosis must be confirmed by: - The presence of bacterial infection in cerebrospinal fluid by lumbar puncture, and - A consultant neurologist. Bacterial Meningitis in the presence of HIV infection is excluded."| Severe Stage | Early and Intermediate Stages | | :---: | :---: | | Severe Bacterial Meningitis | Bacterial Meningitis | | Bacterial infection resulting in severe inflammation of the membranes of the brain or spinal cord resulting in significant, irreversible and permanent neurological deficit. The neurological deficit must persist for at least 6 weeks. This diagnosis must be confirmed by: <br> - The presence of bacterial infection in cerebrospinal fluid by lumbar puncture, and <br> - A consultant neurologist. <br> Bacterial Meningitis in the presence of HIV infection is excluded. | Bacterial infection resulting in severe inflammation of the membranes of the brain or spinal cord which requires hospitalisation. This diagnosis must be confirmed by: <br> - The presence of bacterial infection in cerebrospinal fluid by lumbar puncture, and <br> - A consultant neurologist. <br> Bacterial Meningitis in the presence of HIV infection is excluded. |

  1. 失明(不可逆的视力丧失)(CI 组 27)



    失明不得通过外科手术、植入物或任何其他手段进行矫正。


早期和中期阶段


单眼不可逆失明或视神经萎缩伴随低视力

因疾病(或明确诊断为影响一只或双眼的视神经萎缩)或事故导致一只眼睛永久性和不可逆转的失明,以至于即使使用视觉辅助工具进行测试,视力在一只眼睛中测得为 6 / 60 6 / 60 6//606 / 60 或更差,或一只眼睛的视野为 20 度或更少。视神经萎缩、视力丧失程度和失明必须由眼科医生确认。

因酒精或药物滥用导致的失明被排除在外。


因酒精或药物滥用导致的视神经萎缩被排除在外。


28. 重大头部创伤(CI 组 28)
严重阶段
早期和中期阶段
重大头部创伤
面部重建手术

意外性头部受伤导致

颈部以上的重建手术的实际进行(恢复

永久性神经功能缺损

或重新构建面部结构的形状和外观

评估不得早于 6 周后

有缺陷、缺失、损坏或变形的) 由外科医生进行的

事故发生的日期。此诊断

相关领域,如耳鼻喉科(ENT)或美容外科医生

必须由顾问确认

因事故发生后直接导致的畸形矫正

神经科医生并得到相关支持

政策问题日期,此附加福利的发行日期,福利

磁共振的研究结果

本附加福利的开始日期、背书日期或

成像,计算机断层扫描,或

本附加福利的恢复日期,以较晚者为准。

其他可靠的成像技术。

“事故”是指一种暴力事件,

手术的必要性必须经过认证,证明其在医学上是必要的,这种必要性是由于意外、外部、非自愿和可见的性质,独立于任何其他原因,并且是头部受伤的唯一原因。
The need for surgery must be certified to be medically necessary by the unexpected, external, involuntary and visible nature which is independent of any other cause and is the sole cause of the head Injury.| The need for surgery must be certified to be medically necessary by the | | :--- | | unexpected, external, involuntary and | | visible nature which is independent of | | any other cause and is the sole cause of | | the head Injury. |

和/或美容鼻手术均被排除在外。其他牙齿修复单独。

颈髓损伤
Severe Stage Early and Intermediate Stages Major Head Trauma Facial Reconstructive Surgery Accidental head injury resulting in The actual undergoing of re-constructive surgery above the neck (restoration permanent neurological deficit to be or re-construction of the shape of and appearance of facial structures which assessed no sooner than 6 weeks from are defective, missing or damaged or misshapen) performed by a surgeon in the date of the accident. This diagnosis the relevant field such as Ear, Nose, Throat (ENT) or cosmetic surgeon to must be confirmed by a consultant correct disfigurement as a direct result of an Accident that occurred after the neurologist and supported by relevant Policy Issue Date, issue date of this Supplementary Benefit, Benefit findings on Magnetic Resonance Commencement Date of this Supplementary Benefit, date of Endorsement or Imaging, Computerised Tomography, or reinstatement date of this Supplementary Benefit, whichever is the latest. other reliable imaging techniques. "Accident" means an event of violent, "The need for surgery must be certified to be medically necessary by the unexpected, external, involuntary and visible nature which is independent of any other cause and is the sole cause of the head Injury." and/or cosmetic nose surgery are all excluded. olher dental restoration alone Cervical Spinal Cord Injury | Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Major Head Trauma | Facial Reconstructive Surgery | | Accidental head injury resulting in | The actual undergoing of re-constructive surgery above the neck (restoration | | permanent neurological deficit to be | or re-construction of the shape of and appearance of facial structures which | | assessed no sooner than 6 weeks from | are defective, missing or damaged or misshapen) performed by a surgeon in | | the date of the accident. This diagnosis | the relevant field such as Ear, Nose, Throat (ENT) or cosmetic surgeon to | | must be confirmed by a consultant | correct disfigurement as a direct result of an Accident that occurred after the | | neurologist and supported by relevant | Policy Issue Date, issue date of this Supplementary Benefit, Benefit | | findings on Magnetic Resonance | Commencement Date of this Supplementary Benefit, date of Endorsement or | | Imaging, Computerised Tomography, or | reinstatement date of this Supplementary Benefit, whichever is the latest. | | other reliable imaging techniques. | | | "Accident" means an event of violent, | The need for surgery must be certified to be medically necessary by the <br> unexpected, external, involuntary and <br> visible nature which is independent of <br> any other cause and is the sole cause of <br> the head Injury. | | and/or cosmetic nose surgery are all excluded. olher dental restoration alone | | | Cervical Spinal Cord Injury | |

以下内容被排除在外:

  • 脊髓损伤,和

  • 由于其他原因造成的头部受伤。

意外的颈椎脊髓损伤导致至少一条完整肢体的失用,评估时间不得早于事故发生后 6 周。诊断必须由顾问神经科医生确认,并且有明确的磁共振成像、计算机断层扫描或其他可靠成像技术的结果支持。


中级阶段重大头部创伤


因严重头部创伤而进行开颅手术,以治疗凹陷性颅骨骨折或重大颅内损伤。手术必须有手术报告的证据支持。

此项福利不包括钻孔手术。


因自残、酗酒或药物滥用导致的重大头部创伤被排除在外。


29. 瘫痪(肢体不可逆失用)(CI 组 29)


严重阶段瘫痪(不可逆的肢体失用)


因伤害或疾病导致至少 2 个完整肢体的完全和不可逆的失用,持续时间至少为 6 周,并且没有可预见的恢复可能。此情况必须由神经科顾问确认。

自残伤害不予赔偿。


早期和中期阶段


一肢不可逆的失用

因疾病或事故导致一只完整肢体(肘部以上或膝部以上)完全且不可逆的失用。此情况必须由相关领域的专家确认。

因自残、酗酒或药物滥用导致的肢体失用不予赔偿。


不可逆的肢体使用丧失,需要假肢


一只完整肢体(肘部以上或膝部以上)完全且不可逆的失用,因疾病或事故需要安装和使用假肢。此情况必须由相关领域的专家确认。

因自残、酗酒或药物滥用导致的肢体失用不予赔偿。


30. 进行性硬皮病(CI 组 30)


早期和中期阶段


早期进展性硬皮病


风湿病学家必须根据临床认可的标准做出进行性全身性硬皮病的明确诊断。该诊断必须得到活检或等效确认测试及血清学证据的明确支持。

以下内容被排除在外:

  • 局部硬皮病(线性硬皮病或斑块型硬皮病),

  • 嗜酸性筋膜炎,和
  • CREST 综合症


系统性硬化症伴 CREST 综合症


风湿病学家必须根据临床认可的标准明确诊断为伴有 CREST 综合症的系统性硬化症。该诊断必须得到活检或等效确认测试和血清学证据的明确支持。该疾病必须涉及皮肤,伴有钙沉积(钙化症)、手指或脚趾的皮肤增厚(硬指症),并且还必须涉及食管。还必须存在毛细血管扩张(血管扩张)和雷诺现象,导致四肢动脉痉挛。

以下内容被排除: ∙quad\bullet \quad 局部硬皮病(线性硬皮病或斑块型硬皮病),以及 ∙quad\bullet \quad 嗜酸性筋膜炎
The following are excluded: ∙quad Localised scleroderma (linear scleroderma or morphea), and ∙quad Eosinophilic fasciitis| The following are excluded: | | :--- | | | | $\bullet \quad$ Localised scleroderma (linear scleroderma or morphea), and | | | | $\bullet \quad$ Eosinophilic fasciitis |
"The following are excluded: ∙quad Localised scleroderma (linear scleroderma or morphea), and ∙quad Eosinophilic fasciitis"| | The following are excluded: <br> <br> $\bullet \quad$ Localised scleroderma (linear scleroderma or morphea), and <br> <br> $\bullet \quad$ Eosinophilic fasciitis | | :--- | :--- |

  1. 持续植物状态(无反应综合症)(CI 组 31)
严重阶段

持久植物人状态 (无反应)
综合症)
Severe Stage Persistent Vegetative State (Apallic Syndrome) | Severe Stage | | | :--- | :--- | | Persistent Vegetative State (Apallic | | | Syndrome) | |

大脑皮层的普遍坏死,脑干完好。此诊断必须由在认可医院担任此职务的顾问神经科医生明确确认。此病症必须至少经过一个月的医学记录。


早期和中期阶段

无动性缄默症


有机脑损伤导致一个人尽管在某些时候看起来清醒,但却无法说话或移动。此诊断必须有证据支持有机脑损伤,并由顾问神经科医生明确确认。该病症必须在诊断日期起连续记录至少一个月的医学文件。

由于心理原因引起的无动性缄默被排除在外。

锁定综合症


一种状态,患者意识清醒但由于身体所有自愿肌肉完全瘫痪而无法移动或进行口头交流,除了垂直眼球运动和眨眼。应有四肢瘫痪和无法说话的证据。此诊断必须有腹侧脑桥梗死的证据,并且脑电图(EEG)显示患者并非无意识。该诊断必须由咨询神经科医生明确确认。此状况必须在诊断日期起连续记录至少一个月。


32. 系统性红斑狼疮伴狼疮性肾炎(CI 组 32)


重度系统性红斑狼疮伴狼疮性肾炎


系统性红斑狼疮(SLE)的明确诊断基于公认的诊断标准,并得到临床和实验室证据的支持。关于本合同,系统性红斑狼疮将限制为涉及肾脏的系统性红斑狼疮形式(III 级至 VI 级狼疮性肾炎,由肾活检确立,并符合 RPS/ISN 分类系统)。最终诊断必须由专门从事风湿病学和免疫学的认证医生确认。

狼疮性肾炎的 RPS/ISN 分类:

I 类:最小系膜性狼疮性肾炎


II 类:系膜增生性狼疮性肾炎


III 类:局灶性狼疮性肾炎(活动性和慢性,增生性和硬化性)


IV 类:弥漫性狼疮性肾炎(活动性和慢性,增生性和


早期和中期轻度系统性红斑狼疮


系统性红斑狼疮(SLE)的明确诊断基于公认的诊断标准,并得到临床和实验室证据的支持。必须满足以下所有标准才能符合此项福利:

  • 由专门从事风湿病学和免疫学的认证医生确认最终诊断。

  • 治疗专科医生的医学证据表明至少有以下 3 个内脏器官受到影响:肾脏、大脑、心脏(或心包)、肺(或胸膜)和关节。关节受累被定义为多关节炎性关节炎的存在。为了此项福利的目的,皮肤受累不被视为指定器官之一。

  • 已开处方,并在专家指导下接受系统性红斑狼疮免疫抑制治疗,针对多脏器受累,已持续至少 6 个月。

其他形式,如盘状红斑狼疮以及仅有血液系统受累的形式,均被特别排除在外。

硬化性、节段性和全局性)
sclerosing, segmental and global)| sclerosing, segmental and | | :--- | | global) |

V 类:膜性狼疮性肾炎

第六类:高级硬化性狼疮
肾炎
"sclerosing, segmental and global)" Class V: Membranous lupus nephritis Class VI:Advanced sclerosis lupus nephritis | sclerosing, segmental and <br> global) | | | :---: | :---: | :---: | | Class V: Membranous lupus nephritis | | | Class VI:Advanced sclerosis lupus | | | nephritis | |

  1. 其他严重冠状动脉疾病(CI 组 33)
严重阶段

其他严重冠状动脉疾病
Other Serious Coronary Artery Disease| Other Serious Coronary Artery | | :--- | | Disease |
Severe Stage "Other Serious Coronary Artery Disease"| Severe Stage | | :--- | | Other Serious Coronary Artery <br> Disease |

至少一条冠状动脉的腔径缩小至少 75 % 75 % 75%75 \% ,以及另外两条的腔径缩小至少 60 % 60 % 60%60 \% ,经侵入性冠状动脉造影证实,无论是否进行过任何形式的冠状动脉手术。

影像学诊断或非侵入性诊断程序,如 CT 扫描或 MRI,不符合定义所要求的确认状态。

冠状动脉在此指左主干、左前降支、回旋支和右冠状动脉。上述冠状动脉的分支被排除在外。


早期和中期阶段


轻度冠状动脉疾病


冠状动脉腔隙至少狭窄 60 % 60 % 60%60 \% ,经冠状动脉造影或任何其他可用的适当诊断测试证明,无论是否进行过任何形式的冠状动脉手术。

影像学诊断或非侵入性诊断程序,如 CT 扫描或 MRI,不符合定义所要求的确认状态。

冠状动脉在此指左主干、左前降支、回旋支和右冠状动脉。上述冠状动脉的分支被排除在外。


34. 脊髓灰质炎(CI 组 34)
严重阶段
小儿麻痹症

小儿麻痹症的发生在哪里

满足以下条件:
Severe Stage Poliomyelitis The occurrence of Poliomyelitis where the following conditions are met:| Severe Stage | | :--- | | Poliomyelitis | | The occurrence of Poliomyelitis where | | the following conditions are met: |

  • 脊髓灰质炎病毒被确定为原因,

  • 肢体肌肉或呼吸肌肉的瘫痪必须存在并持续至少 3 个月。

诊断必须由顾问神经科医生或相关医学领域的专家确认。


早期和中期阶段


中度严重脊髓灰质炎


脊髓灰质炎的发生在满足以下条件时:

  • 脊髓灰质炎病毒被确定为原因,

  • 呼吸肌麻痹,需依赖呼吸机连续支持至少 96 小时。

诊断必须由顾问神经科医生或相关医学领域的专家确认。


35. 独立存在的丧失 (Cl Group 35)

严重阶段


失去独立存在


由于疾病、病痛或伤害导致的状况,使得被保险人无法在连续 6 个月内(无论是否有辅助)执行至少 6 项“日常生活活动”中的 3 项。此状况必须由我们认可的注册医疗从业者确认。

非器质性疾病,如神经症和精神疾病被排除在外。


早期和中期阶段


失去独立存在(早期阶段)


因事故导致同一只手所有手指(包括拇指)完全且不可逆转的身体损失。此情况必须由注册医疗从业者确认。因自残造成的手指损失不予赔偿。


失去独立存在(中间阶段)


由于疾病、病痛或伤害导致的状况,使得被保险人无法在连续 6 个月内(无论是否有辅助)执行至少 6 项日常生活活动中的 2 项。

为了本定义的目的,“辅助”应指借助特殊设备、装置和/或器械,而不涉及人力援助。
For the purpose of this definition, "aided"" shall mean with the aid of special equipment, device and/or apparatus and not pertaining to human aid.| For the purpose of this definition, "aided"" | | :--- | | shall mean with the aid of special | | equipment, device and/or apparatus and | | not pertaining to human aid. |

此条件必须由我们批准的注册医疗从业者确认。
This condition must be confirmed by Our approved Registered Medical Practitioner.| This condition must be confirmed by Our approved Registered Medical | | :--- | | Practitioner. |

非器质性疾病,如神经症和精神疾病被排除在外。

为了本定义的目的,“援助”应指在特殊帮助下

设备、装置和/或器械,不涉及人类辅助。
"For the purpose of this definition, "aided"" shall mean with the aid of special equipment, device and/or apparatus and not pertaining to human aid." "This condition must be confirmed by Our approved Registered Medical Practitioner." Non-organic diseases such as neurosis and psychiatric illnesses are excluded. For the purpose of this definition, "aided" shall mean with the aid of special equipment, device and/or apparatus and not pertaining to human aid. | For the purpose of this definition, "aided"" <br> shall mean with the aid of special <br> equipment, device and/or apparatus and <br> not pertaining to human aid. | This condition must be confirmed by Our approved Registered Medical <br> Practitioner. | | :--- | :--- | | | Non-organic diseases such as neurosis and psychiatric illnesses are excluded. | | For the purpose of this definition, "aided" shall mean with the aid of special | | | equipment, device and/or apparatus and not pertaining to human aid. | |

  1. 克鲁茨费尔特-雅各布病(CI 组 36)
严重阶段
早期和中期阶段

克鲁茨费尔特-雅各布病

较轻型克雅二氏病

克鲁茨费尔德-雅各布病的发生

一种无法治愈的脑部感染,导致迅速恶化的病情

克雅二氏病或变异克雅二氏病

精神功能和运动,这无疑是由一种疾病诊断的,该疾病伴有神经系统缺陷,完全导致至少无法执行 6 项“日常生活活动”中的 3 项的永久性能力丧失。作为顾问神经病学家的克鲁茨菲尔德-雅各布病基于临床评估、脑电图(EEG)、影像学或腰椎检查。
mental function and movement, which is unequivocally diagnosed by a Disease where there is an associated neurological deficit, which is solely responsible for a permanent inability to perform at least 3 of the 6 "Activities of who is a consultant neurologist as Creutzfeld-Jacob disease based on clical assessment, Electroencephalography (EEG), imaging or lumbar Daily Living".| mental function and movement, which is unequivocally diagnosed by a | | :--- | | Disease where there is an associated | | neurological deficit, which is solely | | responsible for a permanent inability to | | perform at least 3 of the 6 "Activities of who is a consultant neurologist as Creutzfeld-Jacob disease based | | on clical assessment, Electroencephalography (EEG), imaging or lumbar | | Daily Living". |

穿刺。因人类生长激素治疗引起的疾病被排除在外。中度严重的克雅二氏病 发生克雅二氏病或变异型克雅二氏病,并伴有神经功能缺损,导致永久性无法完成至少 6 项“日常生活活动”中的 2 项。
puncture. Disease caused by human growth hormone treatment is excluded. Moderately Severe Creutzfeld-Jacob Disease The occurrence of Creutzfeld-Jacob Disease or Variant Creutzfeld-Jacob,Disease where there is an associated neurological deficit, which is solely,responsible for a permanent inability to perform at least 2 of the 6 "Activities of,Daily Living".| puncture. | | | :--- | :--- | | Disease caused by human growth | | | hormone treatment is excluded. | Moderately Severe Creutzfeld-Jacob Disease | | | The occurrence of Creutzfeld-Jacob Disease or Variant Creutzfeld-Jacob <br> Disease where there is an associated neurological deficit, which is solely <br> responsible for a permanent inability to perform at least 2 of the 6 "Activities of <br> Daily Living". |
Severe Stage Early and Intermediate Stages Creutzfeld-Jacob Disease Less Severe Creutzfeld-Jacob Disease The occurrence of Creutzfeld-Jacob An incurable brain infection that causes rapidly progressive deterioration of Disease or Variant Creutzfeld-Jacob "mental function and movement, which is unequivocally diagnosed by a Disease where there is an associated neurological deficit, which is solely responsible for a permanent inability to perform at least 3 of the 6 "Activities of who is a consultant neurologist as Creutzfeld-Jacob disease based on clical assessment, Electroencephalography (EEG), imaging or lumbar Daily Living"." "puncture. Disease caused by human growth hormone treatment is excluded. Moderately Severe Creutzfeld-Jacob Disease The occurrence of Creutzfeld-Jacob Disease or Variant Creutzfeld-Jacob,Disease where there is an associated neurological deficit, which is solely,responsible for a permanent inability to perform at least 2 of the 6 "Activities of,Daily Living"." | Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Creutzfeld-Jacob Disease | Less Severe Creutzfeld-Jacob Disease | | The occurrence of Creutzfeld-Jacob | An incurable brain infection that causes rapidly progressive deterioration of | | Disease or Variant Creutzfeld-Jacob | mental function and movement, which is unequivocally diagnosed by a <br> Disease where there is an associated <br> neurological deficit, which is solely <br> responsible for a permanent inability to <br> perform at least 3 of the 6 "Activities of who is a consultant neurologist as Creutzfeld-Jacob disease based <br> on clical assessment, Electroencephalography (EEG), imaging or lumbar <br> Daily Living". | | puncture. <br> Disease caused by human growth <br> hormone treatment is excluded. Moderately Severe Creutzfeld-Jacob Disease <br> The occurrence of Creutzfeld-Jacob Disease or Variant Creutzfeld-Jacob <br> Disease where there is an associated neurological deficit, which is solely <br> responsible for a permanent inability to perform at least 2 of the 6 "Activities of <br> Daily Living". | |

  1. 象皮病 (CI 组 37)
严重阶段
早期和中期阶段
象皮病 不适用

丝虫病的末期病变,

特征是大规模肿胀在

身体组织的结果

血液循环受阻
淋巴管。

明确的象皮病诊断
必须是:

由医生临床确认

适当的医学专业,
实验室支持

微丝虫确认。

由感染引起的淋巴水肿

任何其他疾病、创伤、后
Severe Stage Early and Intermediate Stages Elephantiasis Not applicable The end-stage lesion of filariasis, characterised by massive swelling in the tissues of the body as a result of obstructed circulation in the blood or lymphatic vessels. Unequivocal Diagnosis of elephantiasis must be: clinically confirmed by a Physician in the appropriate medical specialty, and supported by laboratory confirmation of microfilariae. Lymphedema caused by infection with any other disease(s), trauma, post- | Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Elephantiasis | Not applicable | | The end-stage lesion of filariasis, | | | characterised by massive swelling in the | | | tissues of the body as a result of | | | obstructed circulation in the blood or | | | lymphatic vessels. | | | Unequivocal Diagnosis of elephantiasis | | | must be: | | | clinically confirmed by a Physician in | | | the appropriate medical specialty, | | | and | | | supported by laboratory | | | confirmation of microfilariae. | | | Lymphedema caused by infection with | | | any other disease(s), trauma, post- | |

  1. 髓样囊性疾病(CI 组 38)
严重阶段
早期和中期阶段

髓样囊性疾病
不适用

髓样囊性疾病

满足以下标准:

肾脏中的存在

肾髓内多个囊肿

伴随...的存在

管状萎缩和间质
纤维化,

贫血的临床表现,

多尿和进行性

肾功能恶化,和

髓质囊性病的诊断

疾病通过肾脏确认
活检。

孤立或良性的肾囊肿是

特别排除在此福利之外。
Severe Stage Early and Intermediate Stages Medullary Cystic Disease Not applicable Medullary Cystic Disease where the following criteria are met: the presence in the kidney of multiple cysts in the renal medulla accompanied by the presence of tubular atrophy and interstitial fibrosis, clinical manifestations of anaemia, polyuria, and progressive deterioration in kidney function, and the Diagnosis of Medullary Cystic Disease is confirmed by renal biopsy. Isolated or benign kidney cysts are specifically excluded from this benefit. | Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Medullary Cystic Disease | Not applicable | | Medullary Cystic Disease where the | | | following criteria are met: | | | the presence in the kidney of | | | multiple cysts in the renal medulla | | | accompanied by the presence of | | | tubular atrophy and interstitial | | | fibrosis, | | | clinical manifestations of anaemia, | | | polyuria, and progressive | | | deterioration in kidney function, and | | | the Diagnosis of Medullary Cystic | | | Disease is confirmed by renal | | | biopsy. | | | Isolated or benign kidney cysts are | | | specifically excluded from this benefit. | |

  1. 坏死性筋膜炎(CI 组 39)
严重阶段
早期和中期阶段
坏死性筋膜炎 不适用

坏死性筋膜炎的发生

在满足以下条件的情况下:

-符合坏死性筋膜炎的常规临床标准,识别出的细菌是已知的坏死性筋膜炎病因,并且肌肉和其他软组织广泛破坏,导致受影响肢体的功能完全和永久丧失。
Severe Stage Early and Intermediate Stages Necrotising Fasciitis Not applicable The occurrence of necrotising fasciitis where the following conditions are met: -"the usual clinical criteria of necrotising fasciitis are met, the bacteria identified is a known cause of necrotising fasciitis, and there is widespread destruction of muscle and other soft tissues that results in a total and permanent loss of function of the affected body part." | Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Necrotising Fasciitis | Not applicable | | The occurrence of necrotising fasciitis | | | where the following conditions are met: | | | -the usual clinical criteria of <br> necrotising fasciitis are met, <br> the bacteria identified is a known <br> cause of necrotising fasciitis, and <br> there is widespread destruction of <br> muscle and other soft tissues that <br> results in a total and permanent loss <br> of function of the affected body part. | |

  1. 进行性核上性麻痹(CI 组 40)
严重阶段
早期和中期阶段

进行性核上性麻痹

轻度进行性核上性麻痹

超核性麻痹独立于所有其他原因发生,并导致永久性神经功能缺损,直接导致至少无法完成 6 项“日常生活活动”中的 3 项。
Supranuclear Palsy occurring independently of all other causes and resulting in a permanent neurological deficit, which is directly responsible for a permanent inability to perform at least 3 of the 6 "Activities of Daily Living".| Supranuclear Palsy occurring | | :--- | | independently of all other causes and | | resulting in a permanent neurological | | deficit, which is directly responsible for a | | permanent inability to perform at least 3 | | of the 6 "Activities of Daily Living". |

一种以超核性凝视麻痹、假性延髓麻痹、轴性僵硬和痴呆为特征的退行性神经疾病。较轻度进行性超核性麻痹的明确诊断必须由顾问神经科医生确认。
A degenerative neurological disease characterised by supranuclear gaze paresis, pseudobulbar palsy, axial rigidity and dementia. The unequivocal Diagnosis of Less Severe Progressive Supranuclear Palsy must be confirmed by a consultant neurologist.| A degenerative neurological disease characterised by supranuclear gaze | | :--- | | paresis, pseudobulbar palsy, axial rigidity and dementia. | | The unequivocal Diagnosis of Less Severe Progressive Supranuclear Palsy | | must be confirmed by a consultant neurologist. |

进行性超核性麻痹的诊断必须由一位咨询神经科医生确认。
The Diagnosis of Progressive Supranuclear Palsy must be confirmed by a Physician who is a consultant neurologist.| The Diagnosis of Progressive | | :--- | | Supranuclear Palsy must be confirmed | | by a Physician who is a consultant | | neurologist. |

该条件必须导致在没有帮助的情况下,永久无法执行至少 6 项“日常生活活动”中的 2 项。这些条件必须经过医学记录,持续至少 30 个连续日历天。
The condition must result in the permanent inability to perform, without assistance, at least 2 out of 6 "Activities of Daily Living". These conditions have to be medically documented for at least 30 consecutive calendar days.| The condition must result in the permanent inability to perform, without | | :--- | | assistance, at least 2 out of 6 "Activities of Daily Living". | | These conditions have to be medically documented for at least 30 consecutive | | calendar days. |
Severe Stage Early and Intermediate Stages Progressive Supranuclear Palsy Less Severe Progressive Supranuclear Palsy "Supranuclear Palsy occurring independently of all other causes and resulting in a permanent neurological deficit, which is directly responsible for a permanent inability to perform at least 3 of the 6 "Activities of Daily Living"." "A degenerative neurological disease characterised by supranuclear gaze paresis, pseudobulbar palsy, axial rigidity and dementia. The unequivocal Diagnosis of Less Severe Progressive Supranuclear Palsy must be confirmed by a consultant neurologist." "The Diagnosis of Progressive Supranuclear Palsy must be confirmed by a Physician who is a consultant neurologist." "The condition must result in the permanent inability to perform, without assistance, at least 2 out of 6 "Activities of Daily Living". These conditions have to be medically documented for at least 30 consecutive calendar days."| Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Progressive Supranuclear Palsy | Less Severe Progressive Supranuclear Palsy | | Supranuclear Palsy occurring <br> independently of all other causes and <br> resulting in a permanent neurological <br> deficit, which is directly responsible for a <br> permanent inability to perform at least 3 <br> of the 6 "Activities of Daily Living". | A degenerative neurological disease characterised by supranuclear gaze <br> paresis, pseudobulbar palsy, axial rigidity and dementia. <br> The unequivocal Diagnosis of Less Severe Progressive Supranuclear Palsy <br> must be confirmed by a consultant neurologist. | | The Diagnosis of Progressive <br> Supranuclear Palsy must be confirmed <br> by a Physician who is a consultant <br> neurologist. | The condition must result in the permanent inability to perform, without <br> assistance, at least 2 out of 6 "Activities of Daily Living". <br> These conditions have to be medically documented for at least 30 consecutive <br> calendar days. |


41. 重症肌无力(CI 组 41)

严重阶段
早期和中期阶段

重症肌无力
不适用

一种获得性自身免疫性神经肌肉传导障碍,导致肌肉无力和疲劳感波动,满足以下所有标准:- 根据美国重症肌无力基金会临床分类,存在被归类为 III、IV 或 V 级的永久性肌肉无力,且 - 重症肌无力的诊断和分类由一位神经科顾问医生确认。
An acquired autoimmune disorder of neuromuscular transmission leading to fluctuating muscle weakness and fatiguability, where all of the following criteria are met: - Presence of permanent muscle weakness categorized as Class III, IV or V according to the Myasthenia Gravis Foundation of America Clinical Classification below, and - The Diagnosis of Myasthenia Gravis and categorization are confirmed by a Physician who is a consultant neurologist.| An acquired autoimmune disorder of neuromuscular transmission leading to fluctuating muscle weakness and fatiguability, where all of the following criteria are met: | | :--- | | - Presence of permanent muscle weakness categorized as Class III, IV or V according to the Myasthenia Gravis Foundation of America Clinical Classification below, and | | - The Diagnosis of Myasthenia Gravis and categorization are confirmed by a Physician who is a consultant neurologist. |

美国重症肌无力基金会临床分类:

任何眼肌无力,I:可能出现眼睑下垂,其他部位无肌肉无力的证据

眼肌无力的任何类别

II:严重程度,其他肌肉轻度无力

眼肌无力的任何类别

III:严重程度,其他肌肉中度虚弱

眼肌无力 IV 级:严重程度,其他肌肉严重无力

需要进行气管插管以维持 V:气道
Severe Stage Early and Intermediate Stages Severe Myasthenia Gravis Not applicable "An acquired autoimmune disorder of neuromuscular transmission leading to fluctuating muscle weakness and fatiguability, where all of the following criteria are met: - Presence of permanent muscle weakness categorized as Class III, IV or V according to the Myasthenia Gravis Foundation of America Clinical Classification below, and - The Diagnosis of Myasthenia Gravis and categorization are confirmed by a Physician who is a consultant neurologist." Myasthenia Gravis Foundation of America Clinical Classification: Class Any eye muscle weakness, I: possible ptosis, no other evidence of muscle weakness elsewhere Class Eye muscle weakness of any II: severity, mild weakness of other muscles Class Eye muscle weakness of any III: severity, moderate weakness of other muscles Class Eye muscle weakness of any IV: severity, severe weakness of other muscles Class Intubation needed to maintain V: airway | Severe Stage | Early and Intermediate Stages | | :---: | :---: | | Severe Myasthenia Gravis | Not applicable | | An acquired autoimmune disorder of neuromuscular transmission leading to fluctuating muscle weakness and fatiguability, where all of the following criteria are met: <br> - Presence of permanent muscle weakness categorized as Class III, IV or V according to the Myasthenia Gravis Foundation of America Clinical Classification below, and <br> - The Diagnosis of Myasthenia Gravis and categorization are confirmed by a Physician who is a consultant neurologist. | | | Myasthenia Gravis Foundation of America Clinical Classification: | | | Class Any eye muscle weakness, I: possible ptosis, no other evidence of muscle weakness elsewhere | | | Class Eye muscle weakness of any | | | II: severity, mild weakness of other muscles | | | Class Eye muscle weakness of any | | | III: severity, moderate weakness of other muscles | | | Class Eye muscle weakness of any IV: severity, severe weakness of other muscles | | | Class Intubation needed to maintain V: airway | |

  1. 肾上腺腺瘤的肾上腺切除术(CI 组 42)
严重阶段
早期和中期阶段

肾上腺腺瘤的肾上腺切除术
不适用

肾上腺切除术的实际进行

用于治疗控制不佳的

系统性高血压

继发于醛固酮分泌

肾上腺腺瘤且未得到控制

通过药物治疗。肾上腺切除术

必须被视为必要的

管理不善

高血压由专家诊治。
Severe Stage Early and Intermediate Stages Adrenalectomy for Adrenal Adenoma Not applicable The actual undergoing of Adrenalectomy for treatment of poorly controlled systemic hypertension that was secondary to an aldosterone secreting adrenal adenoma and was uncontrolled by medical therapy. The adrenalectomy would have to be deemed necessary for the management of poorly controlled hypertension by a specialist. | Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Adrenalectomy for Adrenal Adenoma | Not applicable | | The actual undergoing of Adrenalectomy | | | for treatment of poorly controlled | | | systemic hypertension that was | | | secondary to an aldosterone secreting | | | adrenal adenoma and was uncontrolled | | | by medical therapy. The adrenalectomy | | | would have to be deemed necessary for | | | the management of poorly controlled | | | hypertension by a specialist. | |


慢性自身免疫性肝炎(CI 组 43)

严重阶段
早期和中期阶段

慢性自身免疫性肝炎
不适用

慢性坏死性炎症肝脏

与循环自体抗体和高血清球蛋白水平相关的原因不明的疾病。
disorder of unknown cause associated with circulating autoantibodies and a high serum globulin level.| disorder of unknown cause associated | | :--- | | with circulating autoantibodies and a | | high serum globulin level. |
Severe Stage Early and Intermediate Stages Chronic Auto-Immune Hepatitis Not applicable A chronic necro-inflammatory liver "disorder of unknown cause associated with circulating autoantibodies and a high serum globulin level." | Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Chronic Auto-Immune Hepatitis | Not applicable | | A chronic necro-inflammatory liver | | | disorder of unknown cause associated <br> with circulating autoantibodies and a <br> high serum globulin level. | |

诊断必须基于以下所有标准:

  • 高γ球蛋白血症,

  • 至少存在以下一种自身抗体:
  • 抗核抗体

  • 抗平滑肌抗体,

  • 抗肌动蛋白抗体,抗 LKM-1 抗体,

  • 抗 LC1 抗体,或

  • 抗 SLA/LP 抗体,和

  • 肝活检确认自身免疫性肝炎的诊断。

仅在被保险人接受免疫抑制治疗持续 6 个月或有记录显示在胃肠病或肝病专科医生的照护下持续 6 个月的情况下,才会涵盖此项。


感染性心内膜炎(CI 组 44)
严重阶段
早期和中期阶段

感染性心内膜炎 由感染性生物引起的心脏内膜炎症,满足以下所有标准:- 血液培养阳性结果证明存在感染性生物,- 至少存在中度心脏瓣膜功能不全(心脏瓣膜返流)或因感染性心内膜炎引起的中度心脏瓣膜狭窄,- 由顾问心脏病专家确认明确的诊断和瓣膜损害的严重程度,并通过超声心动图或其他可靠的影像技术支持。
Infective Endocarditis Inflammation of the inner lining of the heart caused by infectious organisms, where all of the following criteria are met: - Positive result of the blood culture proving presence of the infectious organism(s), - Presence of at least moderate heart valve incompetence (heart valve regurgitant) or moderate heart valve stenosis attributable to Infective Endocarditis, and - The unequivocal Diagnosis and the severity of valvular impairment are confirmed by a consultant cardiologist and supported by echocardiogram or other reliable imagine technique.| Infective Endocarditis | | :--- | | Inflammation of the inner lining of the heart caused by infectious organisms, where all of the following criteria are met: | | - Positive result of the blood culture proving presence of the infectious organism(s), | | - Presence of at least moderate heart valve incompetence (heart valve regurgitant) or moderate heart valve stenosis attributable to Infective Endocarditis, and | | - The unequivocal Diagnosis and the severity of valvular impairment are confirmed by a consultant cardiologist and supported by echocardiogram or other reliable imagine technique. |

较轻度感染性心内膜炎 由感染性生物引起的心脏内膜炎症,满足以下所有标准: - 血液培养阳性结果证明存在感染性生物, - 至少存在轻度心脏瓣膜功能不全(心脏瓣膜返流)或轻度心脏瓣膜狭窄,归因于感染性心内膜炎, - 明确的诊断和瓣膜损害的严重程度由顾问心脏病专家确认,并通过超声心动图或其他可靠的影像技术支持。
Less Severe Infective Endocarditis Inflammation of the inner lining of the heart caused by infectious organisms, where all of the following criteria are met: - Positive result of the blood culture proving presence of the infectious organism(s), - Presence of at least mild heart valve incompetence (heart valve regurgitant) or mild heart valve stenosis attributable to Infective Endocarditis, and - The unequivocal Diagnosis and the severity of valvular impairment are confirmed by a consultant cardiologist and supported by echocardiogram or other reliable imaging technique.| Less Severe Infective Endocarditis | | :--- | | Inflammation of the inner lining of the heart caused by infectious organisms, where all of the following criteria are met: | | - Positive result of the blood culture proving presence of the infectious organism(s), | | - Presence of at least mild heart valve incompetence (heart valve regurgitant) or mild heart valve stenosis attributable to Infective Endocarditis, and | | - The unequivocal Diagnosis and the severity of valvular impairment are confirmed by a consultant cardiologist and supported by echocardiogram or other reliable imaging technique. |
Severe Stage Early and Intermediate Stages "Infective Endocarditis Inflammation of the inner lining of the heart caused by infectious organisms, where all of the following criteria are met: - Positive result of the blood culture proving presence of the infectious organism(s), - Presence of at least moderate heart valve incompetence (heart valve regurgitant) or moderate heart valve stenosis attributable to Infective Endocarditis, and - The unequivocal Diagnosis and the severity of valvular impairment are confirmed by a consultant cardiologist and supported by echocardiogram or other reliable imagine technique." "Less Severe Infective Endocarditis Inflammation of the inner lining of the heart caused by infectious organisms, where all of the following criteria are met: - Positive result of the blood culture proving presence of the infectious organism(s), - Presence of at least mild heart valve incompetence (heart valve regurgitant) or mild heart valve stenosis attributable to Infective Endocarditis, and - The unequivocal Diagnosis and the severity of valvular impairment are confirmed by a consultant cardiologist and supported by echocardiogram or other reliable imaging technique."| Severe Stage | Early and Intermediate Stages | | :---: | :---: | | Infective Endocarditis <br> Inflammation of the inner lining of the heart caused by infectious organisms, where all of the following criteria are met: <br> - Positive result of the blood culture proving presence of the infectious organism(s), <br> - Presence of at least moderate heart valve incompetence (heart valve regurgitant) or moderate heart valve stenosis attributable to Infective Endocarditis, and <br> - The unequivocal Diagnosis and the severity of valvular impairment are confirmed by a consultant cardiologist and supported by echocardiogram or other reliable imagine technique. | Less Severe Infective Endocarditis <br> Inflammation of the inner lining of the heart caused by infectious organisms, where all of the following criteria are met: <br> - Positive result of the blood culture proving presence of the infectious organism(s), <br> - Presence of at least mild heart valve incompetence (heart valve regurgitant) or mild heart valve stenosis attributable to Infective Endocarditis, and <br> - The unequivocal Diagnosis and the severity of valvular impairment are confirmed by a consultant cardiologist and supported by echocardiogram or other reliable imaging technique. |

  1. 多根臂丛神经损伤(CI 组 45)
严重阶段
早期和中期阶段

多根臂丛神经
不适用
伤害

完全且永久的使用损失

和上肢的感觉功能

由两处或更多部位受伤引起的极端情况

臂丛神经根

通过意外或疾病。

完全损伤 2 个或更多神经根

应由确认
Severe Stage Early and Intermediate Stages Multiple Root of Brachial Plexus Not applicable Injury The complete and permanent loss of use and sensory functions of an upper extremity caused by Injury of 2 or more nerve roots of the brachial plexus through accident or disease. Complete injury of 2 or more nerve roots should be confirmed by | Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Multiple Root of Brachial Plexus | Not applicable | | Injury | | | The complete and permanent loss of use | | | and sensory functions of an upper | | | extremity caused by Injury of 2 or more | | | nerve roots of the brachial plexus | | | through accident or disease. | | | Complete injury of 2 or more nerve roots | | | should be confirmed by | |

  1. 严重的艾森门格综合症(CI 组 46)
严重阶段

严重的艾森门格综合症

艾森门格综合症是指

发生反向分流的情况

肺动脉高压的结果,

由心脏疾病引起。

以下所有标准必须满足:
Severe Stage Severe Eisenmenger's Syndrome Eisenmenger's Syndrome shall mean the occurrence of a reversed shunt as a result of pulmonary hypertension, caused by a heart disorder. All of the following criteria must be met:| Severe Stage | | :--- | | Severe Eisenmenger's Syndrome | | Eisenmenger's Syndrome shall mean | | the occurrence of a reversed shunt as a | | result of pulmonary hypertension, | | caused by a heart disorder. | | All of the following criteria must be met: |

  • 艾森门格综合症的明确诊断由顾问心脏病专家确认。

  • 在艾森门格综合症诊断日期之前,有左向右分流性心脏病的病史。左向右分流性心脏病的诊断必须由超声心动图或其他可靠的影像学检查支持。

  • 有证据表明在艾森门格综合症诊断日期新发生了反向分流(从左向右分流转为右向左分流)。

  • 艾森门格综合症已发展到不可逆阶段,目前没有任何手术可以纠正这种异常。

  • 存在被分类为 NYHA IV 的永久性身体残疾。

NYHA 心脏功能障碍分级:

班级没有身体限制


I: 活动。普通的身体活动不会导致过度疲劳、呼吸困难或心绞痛。


轻微的身体限制


II:活动。普通的身体活动会导致症状。


类标记的物理限制


III:活动。静息时舒适,但较少的日常活动会引发症状。


无法进行任何 IV:身体活动而不感到不适。即使在休息时也可能出现症状。


早期和中期阶段


严重的艾森门格综合症(中间阶段)


艾森门格综合症是指由于心脏疾病引起的肺动脉高压导致的反向分流的发生。

以下所有标准必须满足:

  • 艾森门格综合症的明确诊断由顾问心脏病专家确认。

  • 在艾森门格综合症诊断日期之前,有左向右分流性心脏病的病史。左向右分流性心脏病的诊断必须由超声心动图或其他可靠的影像学检查支持。

  • 有证据表明在艾森门格综合症诊断日期新发生了反向分流(从左向右分流转为右向左分流)。

  • 艾森门格综合症已发展到不可逆阶段,目前没有任何手术可以纠正这种异常。

  • 存在被分类为 NYHA III 的永久性身体残疾。

NYHA 心脏功能障碍分级:


I 级:没有身体活动的限制。普通身体活动不会导致过度疲劳、呼吸困难或心绞痛。


第二类:轻度限制身体活动。普通身体活动会导致症状。


第三类:身体活动明显受限。静息时舒适,但普通活动会引发症状。


第四级:无法进行任何身体活动而不感到不适。即使在休息时也可能出现症状。


47. 特发性脊柱侧弯手术(CI 组 47)
严重阶段
早期和中期阶段

特发性脊柱侧弯的手术
不适用

特发性疾病的明确诊断

脊柱侧弯由骨科医生确认
外科医生。
Severe Stage Early and Intermediate Stages Surgery for Idiopathic Scoliosis Not applicable The unequivocal Diagnosis of idiopathic scoliosis is confirmed by an orthopaedic surgeon. | Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Surgery for Idiopathic Scoliosis | Not applicable | | The unequivocal Diagnosis of idiopathic | | | scoliosis is confirmed by an orthopaedic | | | surgeon. | |

这种脊柱侧弯状况意味着脊柱的弯曲角度等于或大于 40 度 Cobb 角。实际上,进行手术以纠正异常的脊柱弯曲,使其恢复到正常形状(从背面看为直线)。

以下条件被排除在外:

  • 因伤害或其他疾病导致的脊柱侧弯,
  • 后凸症,
  • 腰椎前凸。

  1. 结核性脑膜炎(CI 组 48)
严重阶段
早期和中期阶段
结核性脑膜炎 不适用

结核性脑膜炎是指

脑膜炎被证明是由...引起的

引起结核病的分枝杆菌

永久性神经功能缺损
结果为:

- 严重认知障碍
按标准记录

神经心理学导致的

持续监督的必要性,

身体残疾导致的

永久无法执行

至少有一项 6 个“日常活动”
生活。

在存在的情况下发生的脑膜炎

排除 HIV 感染。
Severe Stage Early and Intermediate Stages Tuberculosis Meningitis Not applicable Tuberculosis Meningitis refers to meningitis proven to be caused by mycobacterium tuberculosis that causes a permanent neurological deficit that results in either: - severe cognitive impairment documented by standard neuropsychological that results in the need for continuous supervision, or physical impairment that results in a Permanent inability to perform at least one of the 6 "Activities of Daily Living". Meningitis occurring in the presence of HIV infection is excluded. | Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Tuberculosis Meningitis | Not applicable | | Tuberculosis Meningitis refers to | | | meningitis proven to be caused by | | | mycobacterium tuberculosis that causes | | | a permanent neurological deficit that | | | results in either: | | | - severe cognitive impairment | | | documented by standard | | | neuropsychological that results in | | | the need for continuous supervision, | | | or | | | physical impairment that results in a | | | Permanent inability to perform at | | | least one of the 6 "Activities of Daily | | | Living". | | | Meningitis occurring in the presence of | | | HIV infection is excluded. | |

  1. 严重肺纤维化(CI 组 49)
严重阶段
早期和中期阶段

严重肺纤维化
不适用

严重和弥漫性肺纤维化,需至少 8 小时的广泛和永久氧疗
Severe and diffuse type of pulmonary fibrosis requiring extensive and permanent oxygen therapy at least 8| Severe and diffuse type of pulmonary | | :--- | | fibrosis requiring extensive and | | permanent oxygen therapy at least 8 |
每天小时。

明确的诊断必须通过肺活检和呼吸医学专家确认。
The unequivocal Diagnosis must be confirmed with lung biopsy and by a specialist in respiratory medicine.| The unequivocal Diagnosis must be | | :--- | | confirmed with lung biopsy and by a | | specialist in respiratory medicine. |
Severe Stage Early and Intermediate Stages Severe Pulmonary Fibrosis Not applicable "Severe and diffuse type of pulmonary fibrosis requiring extensive and permanent oxygen therapy at least 8" hours per day. "The unequivocal Diagnosis must be confirmed with lung biopsy and by a specialist in respiratory medicine." | Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Severe Pulmonary Fibrosis | Not applicable | | Severe and diffuse type of pulmonary <br> fibrosis requiring extensive and <br> permanent oxygen therapy at least 8 | | | hours per day. | | | The unequivocal Diagnosis must be <br> confirmed with lung biopsy and by a <br> specialist in respiratory medicine. | |

  1. 严重心肌病(CI 组 50)
严重阶段
早期和中期阶段
严重心肌病 不适用

明确的诊断

心肌病导致的

永久性实物的存在

至少为四级的减值

纽约心脏协会(NYHA)心脏功能障碍分级。
New York Heart Association (NYHA) classification of Cardiac Impairment.| New York Heart Association (NYHA) | | :--- | | classification of Cardiac Impairment. |
Severe Stage Early and Intermediate Stages Severe Cardiomyopathy Not applicable The unequivocal Diagnosis of Cardiomyopathy which have resulted in the presence of permanent physical impairments of at least Class IV of the "New York Heart Association (NYHA) classification of Cardiac Impairment." | Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Severe Cardiomyopathy | Not applicable | | The unequivocal Diagnosis of | | | Cardiomyopathy which have resulted in | | | the presence of permanent physical | | | impairments of at least Class IV of the | | | New York Heart Association (NYHA) <br> classification of Cardiac Impairment. | |

诊断必须由顾问心脏病专家确认。

与酒精滥用直接相关的心肌病被排除在外。
N 减值
NYHA 心脏功能分级:
班级
没有身体活动的限制。

普通的身体活动不会导致过度疲劳、呼吸困难或心绞痛。
班级
轻微的身体限制

活动。普通的身体活动会导致症状。
班级
标记的物理限制

活动。静息时舒适,但较少的普通活动会引发症状。
四级:
Class IV:| Class | | :--- | | IV: |

无法进行任何身体活动而不感到不适。即使在休息时也可能出现症状。
The Diagnosis must be confirmed by a consultant cardiologist. Cardiomyopathy that is directly related to alcohol misuse is excluded. The N Impairm NYHA Classification of Cardiac rment: Class No limitation of physical activity. Ordinary physical activity does not cause undue fatigue, dyspnea, or anginal pain. Class Slight limitation of physical activity. Ordinary physical activity results in symptoms. Class Marked limitation of physical activity. Comfortable at rest, but less than ordinary activity causes symptoms. "Class IV:" Unable to engage in any physical activity without discomfort. Symptoms may be present even at rest.| The Diagnosis must be confirmed by a consultant cardiologist. | | | :---: | :---: | | Cardiomyopathy that is directly related to alcohol misuse is excluded. | | | The N Impairm | NYHA Classification of Cardiac rment: | | Class | No limitation of physical activity. | | | Ordinary physical activity does not cause undue fatigue, dyspnea, or anginal pain. | | Class | Slight limitation of physical | | | activity. Ordinary physical activity results in symptoms. | | Class | Marked limitation of physical | | | activity. Comfortable at rest, but less than ordinary activity causes symptoms. | | Class <br> IV: | Unable to engage in any physical activity without discomfort. Symptoms may be present even at rest. |

  1. 获得性脑损伤(Cl 组 51)
严重阶段
早期和中期阶段
获得性脑损伤 不适用

获得性脑损伤是指一种

所有以下条件的情况

条件必须满足:

被保险人已达到

四岁或以上年龄,

脑成像研究和神经-

心理测试适合于

被保险人的年龄为

确认了中等程度的存在

导致严重的脑损伤,和

被保险人的发展

延迟相当于在

至少 2 年,并且有必要进行

特殊儿童照护和特殊

学校教育已得到确认

相关领域的专家。

先天性导致的脑损伤
原因被排除。

保单的保障将结束

周年纪念日发生在或紧接着

跟随被保险人的 21 st birthday. 21 st birthday.  21^("st birthday. ")21^{\text {st birthday. }}
Severe Stage Early and Intermediate Stages Acquired Brain Damage Not applicable Acquired Brain Damage refers to a condition where all of the following conditions must be met: the Life Assured has attained the age of 4 years old or above, brain imaging studies and neuro- psychological testing appropriate to the Life Assured's age have confirmed the presence of moderate to severe brain damage, and the development of the Life Assured is delayed by the equivalent of at least 2 years and there is a need for special childcare and special schooling as confirmed by a specialist in the relevant field. Brain damage as a result of congenital causes is excluded. Coverage will end on the Policy Anniversary occurring on or immediately following the Life Assured's 21^("st birthday. ") | Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Acquired Brain Damage | Not applicable | | Acquired Brain Damage refers to a | | | condition where all of the following | | | conditions must be met: | | | the Life Assured has attained the | | | age of 4 years old or above, | | | brain imaging studies and neuro- | | | psychological testing appropriate to | | | the Life Assured's age have | | | confirmed the presence of moderate | | | to severe brain damage, and | | | the development of the Life Assured | | | is delayed by the equivalent of at | | | least 2 years and there is a need for | | | special childcare and special | | | schooling as confirmed by a | | | specialist in the relevant field. | | | Brain damage as a result of congenital | | | causes is excluded. | | | Coverage will end on the Policy | | | Anniversary occurring on or immediately | | | following the Life Assured's $21^{\text {st birthday. }}$ | |


52. 脑外科手术 (CI 组 52)

严重阶段
早期和中期阶段
脑外科手术 不适用

脑外科手术是指实际的

进行颅骨切开术和

医学上必要的脑部手术

在全身麻醉下

合格专家的推荐

在相关领域。脑外科作为一个
Severe Stage Early and Intermediate Stages Brain Surgery Not applicable Brain Surgery refers to the actual undergoing of a craniotomy and medically necessary surgery to the brain under general anaesthesia on the recommendation by a qualified specialist in the relevant field. Brain Surgery as a | Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Brain Surgery | Not applicable | | Brain Surgery refers to the actual | | | undergoing of a craniotomy and | | | medically necessary surgery to the brain | | | under general anaesthesia on the | | | recommendation by a qualified specialist | | | in the relevant field. Brain Surgery as a | |
result of an accident or burr hole surgery

仅为去除血栓的情况被排除在外。


53. 医疗获得的 HIV 感染(CI 组 53)
严重阶段

医疗获得的 HIV 感染

被保险人感染了
Severe Stage Medically Acquired HIV Infection The Life Assured being infected by| Severe Stage | | :--- | | Medically Acquired HIV Infection | | The Life Assured being infected by |

人类免疫缺陷病毒(HIV)前提是:

  • 感染是由于在保单生效日期、该附加利益的生效日期、该附加利益的给付开始日期、批单日期或您附加利益的复效日期(以较晚者为准)之后进行的手术或医疗或牙科程序所致

  • 提供手术或医疗或牙科程序的机构承认责任,或者有不可上诉的最终法院判决表明该责任,且

  • 被感染的被保险人不是血友病患者。

事件必须报告给相关当局,并按照既定程序进行调查。

此补充福利在发现任何针对获得性免疫缺陷综合症(艾滋病)或人类免疫缺陷病毒(HIV)病毒的医疗治疗,或开发出能够预防获得性免疫缺陷综合症(艾滋病)发生的医疗治疗时将不适用。

以其他方式感染,包括因性行为或娱乐性静脉注射药物使用而导致的感染,均不予承保。我们必须能够随时获取被保险人的所有血液样本,并保留对这些血液样本进行独立检测的权利。


早期和中期阶段

不适用

54. 职业性获得的乙型或丙型肝炎(CL 组 54)
严重阶段
早期和中期阶段

职业性获得的乙型或丙型肝炎
Occupationally Acquired Hepatitis B or C| Occupationally Acquired Hepatitis B | | :--- | | or C |
不适用

感染乙型或丙型肝炎病毒

由于事故造成的

在政策发行日期之后发生,

本补充文件的发行日期
Severe Stage Early and Intermediate Stages "Occupationally Acquired Hepatitis B or C" Not applicable Infection with the Hepatitis B or C virus which resulted from an accident occurring after the Policy Issue Date, issue date of this Supplementary | Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Occupationally Acquired Hepatitis B <br> or C | Not applicable | | | | | Infection with the Hepatitis B or C virus | | | which resulted from an accident | | | occurring after the Policy Issue Date, | | | issue date of this Supplementary | |

利益、此附加利益的利益开始日期、此附加利益的背书日期或复效日期,以较晚者为准,前提是被保险人在其职业的正常专业职责下进行工作,并且以下所有条件均得到我们满意的证明:

  • 事故导致感染的证明必须在事故发生后的 30 天内报告给我们

  • 证明事故涉及明确来源的肝炎 B B BB 或 C 型感染液体,

  • 由于已证明的血清转化,迫切需要抗病毒治疗

  • 因其他方式(包括性行为和使用静脉注射药物)导致的乙型或丙型肝炎感染被排除在外。

此项福利仅在被保险人的职业为医生、住院医师、医学生、国家注册护士、医学实验室技术员、牙医(外科医生和护士)或在医疗中心或诊所工作的辅助医疗人员时支付。

如果未能遵守任何适当定义的程序实践或职业所需的疫苗接种实践,我们将不承担任何责任。


55. 埃博拉(CI 组 55)
严重阶段
早期和中期阶段
埃博拉 不适用

感染埃博拉病毒的情况

满足以下条件:

埃博拉病毒的存在

已由实验室确认
测试,和

正在进行的并发症

感染持续超过 30

症状出现后的天数。
Severe Stage Early and Intermediate Stages Ebola Not applicable Infection with the Ebola virus where the following conditions are met: presence of the Ebola virus has been confirmed by laboratory testing, and there are ongoing complications of the infection persisting beyond 30 days from the onset of symptoms. | Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Ebola | Not applicable | | Infection with the Ebola virus where the | | | following conditions are met: | | | presence of the Ebola virus has | | | been confirmed by laboratory | | | testing, and | | | there are ongoing complications of | | | the infection persisting beyond 30 | | | days from the onset of symptoms. | |

  1. 全小肠切除术(十二指肠、空肠和回肠)(CI 组 56)
严重阶段
早期和中期阶段

全小肠切除术(十二指肠、空肠和回肠)
Resection of the whole small intestine (duodenum, jejunum and ileum)| Resection of the whole small intestine | | :--- | | (duodenum, jejunum and ileum) |
不适用

完全外科切除整个

小肠,包括十二指肠,

因疾病导致的空肠和回肠

或被保险人的意外事故。
Severe Stage Early and Intermediate Stages "Resection of the whole small intestine (duodenum, jejunum and ileum)" Not applicable Complete surgical removal of the whole small intestine including the duodenum, jejunum and ileum as a result of illness or an accident of the Life Assured. | Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Resection of the whole small intestine <br> (duodenum, jejunum and ileum) | Not applicable | | Complete surgical removal of the whole | | | small intestine including the duodenum, | | | jejunum and ileum as a result of illness | | | or an accident of the Life Assured. | |

该福利不包括部分小肠切除。


57. 青少年亨廷顿病(CI 组 57)

严重阶段
早期和中期阶段

青少年亨廷顿病
不适用

青少年亨廷顿病的诊断

通过基因检测确认的疾病

一位专门从事儿科的医生。

必须有以下所有内容的证据:

- 由于青少年引起的运动障碍

亨廷顿病,

- 由于青少年引起的认知障碍

亨廷顿病,和

青少年导致的行为障碍

亨廷顿病。

保单的保障将结束

周年纪念日发生在或紧接着

在被保险人 21 岁生日之后。
Severe Stage Early and Intermediate Stages Juvenile Huntington Disease Not applicable Diagnosis of Juvenile Huntington Disease with genetic test is confirmed by a specialist who is a Paediatrician. There must be evidence of all the following: - Movement disorder due to Juvenile quad Huntington Disease, - Cognitive disorder due to Juvenile quad Huntington Disease, and Behaviour disorder due to Juvenile quad Huntington Disease. Coverage will end on the Policy Anniversary occurring on or immediately following the Life Assured's 21st birthday. | Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Juvenile Huntington Disease | Not applicable | | Diagnosis of Juvenile Huntington | | | Disease with genetic test is confirmed by | | | a specialist who is a Paediatrician. There | | | must be evidence of all the following: | | | - Movement disorder due to Juvenile | | | $\quad$ Huntington Disease, | | | - Cognitive disorder due to Juvenile | | | $\quad$ Huntington Disease, and | | | Behaviour disorder due to Juvenile | | | $\quad$ Huntington Disease. | | | Coverage will end on the Policy | | | Anniversary occurring on or immediately | | | following the Life Assured's 21st birthday. | |

  1. 胆道闭锁接受肝脏移植(CI 组 58)


  2. 严重支气管扩张症(Cl 组 59)
严重阶段
早期和中期阶段
重度支气管扩张症 不适用

严重的支气管扩张症需要广泛和永久的氧气治疗,以及 FEV 1 测试结果
Severe bronchiectasis requiring extensive and permanent oxygen therapy as well as FEV 1 test result of| Severe bronchiectasis requiring | | :--- | | extensive and permanent oxygen | | therapy as well as FEV 1 test result of |

始终少于一升。

明确的诊断必须由呼吸医学专家确认。
The Unequivocal Diagnosis must be confirmed by a specialist in respiratory medicine.| The Unequivocal Diagnosis must be | | :--- | | confirmed by a specialist in respiratory | | medicine. |
Severe Stage Early and Intermediate Stages Severe Bronchiectasis Not applicable "Severe bronchiectasis requiring extensive and permanent oxygen therapy as well as FEV 1 test result of" consistently less than one litre. "The Unequivocal Diagnosis must be confirmed by a specialist in respiratory medicine." | Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Severe Bronchiectasis | Not applicable | | Severe bronchiectasis requiring <br> extensive and permanent oxygen <br> therapy as well as FEV 1 test result of | | | consistently less than one litre. | | | The Unequivocal Diagnosis must be <br> confirmed by a specialist in respiratory <br> medicine. | |

  1. 终末期疾病(CI 组 60)
严重阶段
早期和中期阶段
晚期疾病 不适用。

疾病的最终诊断

预计将导致死亡的

被保险人在 12 个月内。

诊断必须得到支持

专家并由我们确认

指定注册医疗从业者。
appointed Registered Medical Practitioner.| appointed Registered Medical | | :--- | | Practitioner. |

在 HIV 感染的情况下,终末期疾病被排除在外。
Terminal illness in the presence of HIV infection is excluded.| Terminal illness in the presence of HIV | | :--- | | infection is excluded. |
Severe Stage Early and Intermediate Stages Terminal Illness Not applicable. The conclusive diagnosis of an illness that is expected to result in the death of the Life Assured within 12 months. This diagnosis must be supported by a specialist and confirmed by Our "appointed Registered Medical Practitioner." "Terminal illness in the presence of HIV infection is excluded." | Severe Stage | Early and Intermediate Stages | | :--- | :--- | | Terminal Illness | Not applicable. | | The conclusive diagnosis of an illness | | | that is expected to result in the death of | | | the Life Assured within 12 months. This | | | diagnosis must be supported by a | | | specialist and confirmed by Our | | | appointed Registered Medical <br> Practitioner. | | | Terminal illness in the presence of HIV <br> infection is excluded. | |

以下两个术语可以在上述某些定义中找到,其定义如下:


(a) 永久性神经功能缺损

永久意味着预计在被保险人的整个生命期间持续存在。


永久性神经功能缺损是指在临床检查中发现的神经系统功能障碍症状,并预计将持续终身。涵盖的症状包括麻木、瘫痪、局部无力、构音障碍(说话困难)、失语症(无法说话)、吞咽困难、视力障碍、行走困难、协调性差、颤抖、癫痫发作、痴呆、谵妄和昏迷。


日常生活活动 (ADLs)

  • 穿衣 - 能够穿上、脱下、固定和解开所有衣物,以及在适当情况下,任何支架、假肢或其他外科器械

  • 喂养 - 一旦食物准备好并可用,能够自己进食

  • 移动性 - 能够在平坦的表面上从一个房间移动到另一个房间

  • 如厕 - 能够使用洗手间或以其他方式管理肠道和膀胱功能,以维持令人满意的个人卫生水平

  • 转移 - 能够从床上移动到直立椅或轮椅,反之亦然

  • 洗澡 - 能够在浴缸或淋浴中洗澡(包括进出浴缸或淋浴)或通过其他方式满意地洗澡


附录 C:良性和边缘恶性肿瘤利益的定义


附录 D:特殊利益的定义

特殊福利涵盖的条件
Conditions covered under Special Benefit| Conditions covered under | | :---: | | Special Benefit |

quad\quad 条件定义
1

糖尿病并发症 糖尿病并发症仅涵盖以下情况:糖尿病视网膜病变,需接受眼科医生认证为绝对必要的激光治疗,并需提供荧光眼底血管造影报告,且在使用斯内伦视力表测量时,较好眼的视力为 6/18 或更差。糖尿病肾病,需由专科医生确诊为糖尿病肾病,并且通过 eGFR 小于 30 ml/min/1.73 m 2 2 ^(2){ }^{2} 和持续性蛋白尿大于 300mg/24 小时来证明。因坏疽而截肢部分肢体,实际进行足部/脚趾/手部/手指的截肢以进行治疗。
Diabetic Complications Diabetic Complications cover the following conditions only: Diabetic Retinopathy with the need to undergo laser treatment certified to be absolutely necessary by an ophthalmologist with support of a Fluorescent Fundus Angiography report and vision is measured at 6/18 or worse in the better eye using a Snellen eye chart. Diabetic Nephropathy with a definite diagnosis of diabetic nephropathy by a specialist and is evident by eGFR less than 30 ml/min/1.73 m ^(2) with ongoing proteinuria greater than 300mg/24 hours. Amputation of Part of Limb due to Gangrene with the actual undergoing of amputation of a foot / toe / hand / finger to treat| Diabetic Complications | | :--- | | Diabetic Complications cover the following conditions only: | | Diabetic Retinopathy with the need to undergo laser treatment | | certified to be absolutely necessary by an ophthalmologist with | | support of a Fluorescent Fundus Angiography report and vision is | | measured at 6/18 or worse in the better eye using a Snellen eye | | chart. | | Diabetic Nephropathy with a definite diagnosis of diabetic | | nephropathy by a specialist and is evident by eGFR less than 30 | | ml/min/1.73 m ${ }^{2}$ with ongoing proteinuria greater than 300mg/24 | | hours. | | Amputation of Part of Limb due to Gangrene with the actual | | undergoing of amputation of a foot / toe / hand / finger to treat |

因糖尿病并发症而发生的坏疽。
No "Conditions covered under Special Benefit" quad"Definitions of conditions" 1 "Diabetic Complications Diabetic Complications cover the following conditions only: Diabetic Retinopathy with the need to undergo laser treatment certified to be absolutely necessary by an ophthalmologist with support of a Fluorescent Fundus Angiography report and vision is measured at 6/18 or worse in the better eye using a Snellen eye chart. Diabetic Nephropathy with a definite diagnosis of diabetic nephropathy by a specialist and is evident by eGFR less than 30 ml/min/1.73 m ^(2) with ongoing proteinuria greater than 300mg/24 hours. Amputation of Part of Limb due to Gangrene with the actual undergoing of amputation of a foot / toe / hand / finger to treat" gangrene that has occurred because of a complication of diabetes. | No | Conditions covered under <br> Special Benefit | $\quad$Definitions of conditions | | :--- | :--- | :--- | | 1 | Diabetic Complications <br> Diabetic Complications cover the following conditions only: <br> Diabetic Retinopathy with the need to undergo laser treatment <br> certified to be absolutely necessary by an ophthalmologist with <br> support of a Fluorescent Fundus Angiography report and vision is <br> measured at 6/18 or worse in the better eye using a Snellen eye <br> chart. <br> Diabetic Nephropathy with a definite diagnosis of diabetic <br> nephropathy by a specialist and is evident by eGFR less than 30 <br> ml/min/1.73 m ${ }^{2}$ with ongoing proteinuria greater than 300mg/24 <br> hours. <br> Amputation of Part of Limb due to Gangrene with the actual <br> undergoing of amputation of a foot / toe / hand / finger to treat | | | gangrene that has occurred because of a complication of diabetes. | | |
6
慢性肾上腺功能不全(阿迪森病)

一种自身免疫性疾病,导致肾上腺逐渐破坏,需终身进行糖皮质激素和矿物皮质激素替代治疗。该疾病必须由内分泌学专家通过以下之一进行确认:- ACTH 刺激测试,- 胰岛素诱导低血糖测试,- 血浆 ACTH 水平测量,- 血浆肾素活性(PRA)水平测量。仅包括原发性肾上腺功能不全的自身免疫性原因。所有其他肾上腺功能不全的原因均被排除。
An autoimmune disorder causing a gradual destruction of the adrenal gland resulting in the need for life long glucocorticoid and mineral corticoid replacement therapy. The disorder must be confirmed by a specialist in endocrinology through one of the following: - ACTH simulation tests, - insulin-induced hypoglycaemia test, - plasma ACTH level measurement, - Plasma Renin Activity (PRA) level measurement. Only autoimmune cause of primary adrenal insufficiency is included. All other causes of adrenal insufficiency are excluded.| An autoimmune disorder causing a gradual destruction of the adrenal gland resulting in the need for life long glucocorticoid and mineral corticoid replacement therapy. The disorder must be confirmed by a specialist in endocrinology through one of the following: | | :--- | | - ACTH simulation tests, | | - insulin-induced hypoglycaemia test, | | - plasma ACTH level measurement, | | - Plasma Renin Activity (PRA) level measurement. | | Only autoimmune cause of primary adrenal insufficiency is included. All other causes of adrenal insufficiency are excluded. |
7

慢性复发性胰腺炎
Chronic Relapsing Pancreatitis | Chronic | Relapsing | | :--- | :--- | | Pancreatitis | |

超过 3 次胰腺炎发作导致胰腺功能障碍,造成吸收不良,需要酶替代治疗。诊断必须由顾问胃肠病专家进行,并通过内窥镜逆行胰胆管造影(ERCP)确认。因酒精使用引起的慢性复发性胰腺炎被排除在外。
More than 3 attacks of pancreatitis resulting in pancreatic dysfunction causing malabsorption needing enzyme replacement therapy. The diagnosis must be made by a consultant gastroenterologist and confirmed by Endoscopic Retrograde CholangioPancreatography (ERCP). Chronic Relapsing Pancreatitis caused by alcohol use is excluded.| More than 3 attacks of pancreatitis resulting in pancreatic dysfunction causing malabsorption needing enzyme replacement therapy. | | :--- | | The diagnosis must be made by a consultant gastroenterologist and confirmed by Endoscopic Retrograde CholangioPancreatography (ERCP). | | Chronic Relapsing Pancreatitis caused by alcohol use is excluded. |
8
因癌症而进行的子宫切除术

子宫的切除(至少是子宫体和宫颈或仅子宫体),并有子宫、输卵管、卵巢、阴道或子宫内膜癌、晚期宫颈癌或葡萄胎的支持证据。
9
登革出血热

它涵盖了根据世界卫生组织(WHO)病例定义的登革热出血热 3 级或 4 级,具有明确的登革热休克综合症证据和登革热感染的确认,经过登革热的确认性血清学检测,可能由以下发现示例化:- 持续高热史(持续 2 天或更长时间),- 轻度或重度出血表现,- 血小板减少(小于或等于 100000 per mm 3 100000 per mm 3 100000permm^(3)100000 \mathrm{per} \mathrm{mm}^{3} ),血液浓缩(血细胞比容增加 20 % 20 % 20%20 \% 或更多),血浆渗漏证据(即胸腔积液、腹水或低蛋白血症等),以及- 登革热休克综合症(DSS)的证据,由顾问医生确认,满足以下标准:- 低血压(小于 80 mm Hg)或脉压狭窄(20 mm Hg 或更少),以及- 组织灌注不足的证据,如皮肤寒冷、潮湿、少尿或代谢性酸中毒。
It covers Dengue Haemorrhagic Fever Grade 3 or Grade 4, based on the World Health Organization (WHO) case definition, with unequivocal evidence of the Dengue Shock Syndrome and confirmation of dengue infection, with confirmatory serological testing of dengue, and as may be exemplified by the following findings: - history of continuous high fever (for 2 or more days), - minor or major haemorrhagic manifestations, - thrombocytopenia (less than or equal to 100000permm^(3) ), haemoconcentration (haematocrit increased by 20% or more), evidence of plasma leakage (i.e. pleural effusion, ascites or hypoproteinaemia, etc.), and - evidence of the Dengue Shock Syndrome (DSS), confirmed by a consultant physician, with the following criteria being met: - hypotension (less than 80 mm Hg ) or narrow pulse pressure ( 20 mm Hg or less), and - evidence of tissue hypoperfusion such as cold, clammy skin, oliguria, or a metabolic acidosis.| It covers Dengue Haemorrhagic Fever Grade 3 or Grade 4, based on the World Health Organization (WHO) case definition, with unequivocal evidence of the Dengue Shock Syndrome and confirmation of dengue infection, with confirmatory serological testing of dengue, and as may be exemplified by the following findings: | | :--- | | - history of continuous high fever (for 2 or more days), | | - minor or major haemorrhagic manifestations, | | - thrombocytopenia (less than or equal to $100000 \mathrm{per} \mathrm{mm}^{3}$ ), | | haemoconcentration (haematocrit increased by $20 \%$ or more), | | evidence of plasma leakage (i.e. pleural effusion, ascites or hypoproteinaemia, etc.), and | | - evidence of the Dengue Shock Syndrome (DSS), confirmed by a consultant physician, with the following criteria being met: | | - hypotension (less than 80 mm Hg ) or narrow pulse pressure ( 20 mm Hg or less), and | | - evidence of tissue hypoperfusion such as cold, clammy skin, oliguria, or a metabolic acidosis. |
10 威尔逊病
一种潜在致命的铜中毒疾病,特征为进行性肝病和/或由于铜沉积导致的神经系统恶化。诊断必须由肝病专家确认,并且使用螯合剂的治疗必须记录至少 6 个月。
11 重度克罗恩病

克罗恩病是一种慢性、全层炎症性肠道疾病。要被视为严重,必须有证据表明尽管进行了最佳治疗,仍然存在持续的炎症,并且必须发生以下所有情况:- 因狭窄形成导致肠道梗阻,需要住院治疗,- 肠道环之间形成瘘管,以及- 至少切除一个肠段。诊断必须基于组织病理学特征,并由相关领域的专家确认。
Crohn's disease is a chronic, transmural inflammatory disorder of the bowel. To be considered as severe, there must be evidence of continued inflammation in spite of optimal therapy, with all of the following having occurred: - Stricture formation causing intestinal obstruction requiring admission to hospital, - Fistula formation between loops of bowel, and - At least one bowel segment resection. The diagnosis must be based on histopathological features and confirmed by a specialist in the relevant field.| Crohn's disease is a chronic, transmural inflammatory disorder of the bowel. To be considered as severe, there must be evidence of continued inflammation in spite of optimal therapy, with all of the following having occurred: | | :--- | | - Stricture formation causing intestinal obstruction requiring admission to hospital, | | - Fistula formation between loops of bowel, and | | - At least one bowel segment resection. | | The diagnosis must be based on histopathological features and confirmed by a specialist in the relevant field. |
6 Chronic Adrenal Insufficiency (Addison's Disease) "An autoimmune disorder causing a gradual destruction of the adrenal gland resulting in the need for life long glucocorticoid and mineral corticoid replacement therapy. The disorder must be confirmed by a specialist in endocrinology through one of the following: - ACTH simulation tests, - insulin-induced hypoglycaemia test, - plasma ACTH level measurement, - Plasma Renin Activity (PRA) level measurement. Only autoimmune cause of primary adrenal insufficiency is included. All other causes of adrenal insufficiency are excluded." 7 "Chronic Relapsing Pancreatitis " "More than 3 attacks of pancreatitis resulting in pancreatic dysfunction causing malabsorption needing enzyme replacement therapy. The diagnosis must be made by a consultant gastroenterologist and confirmed by Endoscopic Retrograde CholangioPancreatography (ERCP). Chronic Relapsing Pancreatitis caused by alcohol use is excluded." 8 Hysterectomy due to Cancer The removal of the uterus (at least the corpus and cervix or corpus only) with supporting evidence of carcinoma of the uterus, fallopian tube, ovary, vagina or endometrium, advanced cervical carcinoma, or hydatidiform mole. 9 Dengue Haemorrhagic Fever "It covers Dengue Haemorrhagic Fever Grade 3 or Grade 4, based on the World Health Organization (WHO) case definition, with unequivocal evidence of the Dengue Shock Syndrome and confirmation of dengue infection, with confirmatory serological testing of dengue, and as may be exemplified by the following findings: - history of continuous high fever (for 2 or more days), - minor or major haemorrhagic manifestations, - thrombocytopenia (less than or equal to 100000permm^(3) ), haemoconcentration (haematocrit increased by 20% or more), evidence of plasma leakage (i.e. pleural effusion, ascites or hypoproteinaemia, etc.), and - evidence of the Dengue Shock Syndrome (DSS), confirmed by a consultant physician, with the following criteria being met: - hypotension (less than 80 mm Hg ) or narrow pulse pressure ( 20 mm Hg or less), and - evidence of tissue hypoperfusion such as cold, clammy skin, oliguria, or a metabolic acidosis." 10 Wilson's Disease A potentially fatal disorder of copper toxicity characterised by progressive liver disease and/or neurologic deterioration due to copper deposit. The diagnosis must be confirmed by a hepatologist and the treatment with a chelating agent must be documented for at least 6 months. 11 Severe Crohn's Disease "Crohn's disease is a chronic, transmural inflammatory disorder of the bowel. To be considered as severe, there must be evidence of continued inflammation in spite of optimal therapy, with all of the following having occurred: - Stricture formation causing intestinal obstruction requiring admission to hospital, - Fistula formation between loops of bowel, and - At least one bowel segment resection. The diagnosis must be based on histopathological features and confirmed by a specialist in the relevant field."| 6 | Chronic Adrenal Insufficiency (Addison's Disease) | An autoimmune disorder causing a gradual destruction of the adrenal gland resulting in the need for life long glucocorticoid and mineral corticoid replacement therapy. The disorder must be confirmed by a specialist in endocrinology through one of the following: <br> - ACTH simulation tests, <br> - insulin-induced hypoglycaemia test, <br> - plasma ACTH level measurement, <br> - Plasma Renin Activity (PRA) level measurement. <br> Only autoimmune cause of primary adrenal insufficiency is included. All other causes of adrenal insufficiency are excluded. | | :---: | :---: | :---: | | 7 | Chronic Relapsing <br> Pancreatitis | More than 3 attacks of pancreatitis resulting in pancreatic dysfunction causing malabsorption needing enzyme replacement therapy. <br> The diagnosis must be made by a consultant gastroenterologist and confirmed by Endoscopic Retrograde CholangioPancreatography (ERCP). <br> Chronic Relapsing Pancreatitis caused by alcohol use is excluded. | | 8 | Hysterectomy due to Cancer | The removal of the uterus (at least the corpus and cervix or corpus only) with supporting evidence of carcinoma of the uterus, fallopian tube, ovary, vagina or endometrium, advanced cervical carcinoma, or hydatidiform mole. | | 9 | Dengue Haemorrhagic Fever | It covers Dengue Haemorrhagic Fever Grade 3 or Grade 4, based on the World Health Organization (WHO) case definition, with unequivocal evidence of the Dengue Shock Syndrome and confirmation of dengue infection, with confirmatory serological testing of dengue, and as may be exemplified by the following findings: <br> - history of continuous high fever (for 2 or more days), <br> - minor or major haemorrhagic manifestations, <br> - thrombocytopenia (less than or equal to $100000 \mathrm{per} \mathrm{mm}^{3}$ ), <br> haemoconcentration (haematocrit increased by $20 \%$ or more), <br> evidence of plasma leakage (i.e. pleural effusion, ascites or hypoproteinaemia, etc.), and <br> - evidence of the Dengue Shock Syndrome (DSS), confirmed by a consultant physician, with the following criteria being met: <br> - hypotension (less than 80 mm Hg ) or narrow pulse pressure ( 20 mm Hg or less), and <br> - evidence of tissue hypoperfusion such as cold, clammy skin, oliguria, or a metabolic acidosis. | | 10 | Wilson's Disease | A potentially fatal disorder of copper toxicity characterised by progressive liver disease and/or neurologic deterioration due to copper deposit. The diagnosis must be confirmed by a hepatologist and the treatment with a chelating agent must be documented for at least 6 months. | | 11 | Severe Crohn's Disease | Crohn's disease is a chronic, transmural inflammatory disorder of the bowel. To be considered as severe, there must be evidence of continued inflammation in spite of optimal therapy, with all of the following having occurred: <br> - Stricture formation causing intestinal obstruction requiring admission to hospital, <br> - Fistula formation between loops of bowel, and <br> - At least one bowel segment resection. <br> The diagnosis must be based on histopathological features and confirmed by a specialist in the relevant field. |
12
重度溃疡性结肠炎

溃疡性结肠炎是指急性暴发性溃疡性结肠炎,伴有危及生命的电解质紊乱,相关但不限于肠道膨胀或肠道破裂风险,涉及整个结肠,伴有严重的血性腹泻或全身症状,且已进行结肠切除术或回肠造口术。诊断必须基于组织病理学特征,手术形式应包括结肠切除术或回肠造口术,作为治疗的一部分。
Ulcerative colitis shall mean acute fulminant ulcerative colitis with life threatening electrolyte disturbances associated with but not limited to intestinal distension or a risk of intestinal rupture, involving the entire colon with severe bloody diarrhoea or systemic signs and symptoms and for which the treatment of colectomy or ileostomy has been done. Diagnosis must be based on histopathological features and surgery in the form of colectomy or ileostomy should form part of the treatment.| Ulcerative colitis shall mean acute fulminant ulcerative colitis with life threatening electrolyte disturbances associated with but not limited to intestinal distension or a risk of intestinal rupture, involving the entire colon with severe bloody diarrhoea or systemic signs and symptoms and for which the treatment of colectomy or ileostomy has been done. | | :--- | | Diagnosis must be based on histopathological features and surgery in the form of colectomy or ileostomy should form part of the treatment. |
13 嗜铬细胞瘤
肾上腺或肾上腺外嗜铬组织神经内分泌肿瘤的存在,分泌过量的儿茶酚胺。嗜铬细胞瘤的诊断必须由相关领域的专家确认,并通过组织病理学检查支持。
14

与视觉障碍相关的年龄相关性黄斑变性
Age-related Macular Degeneration with Visual Impairment | Age-related | | Macular | | :--- | :--- | ---: | | Degeneration | with | Visual | | Impairment | | |

与年龄相关的黄斑变性伴有视力障碍必须由眼科医生或相关领域的专家进行诊断,并且必须接受激光光凝或光动力疗法。因酒精、药物或物质滥用导致的视力障碍被排除在外。
Age-related Macular Degeneration with visual impairment must be diagnosed by an ophthalmologist or a specialist in the relevant field and must have undergone laser photocoagulation or photodynamic therapy. Visual impairment due to alcohol or drug or substance misuse is excluded.| Age-related Macular Degeneration with visual impairment must be diagnosed by an ophthalmologist or a specialist in the relevant field and must have undergone laser photocoagulation or photodynamic therapy. | | :--- | | Visual impairment due to alcohol or drug or substance misuse is excluded. |
15
严重的老年性耳聋相关听力损失

不可逆对称性神经性听力损失,双耳在所有可听频率上至少损失 60 分贝,且由于年龄退化需要使用助听器进行治疗。必须提供听力测定和声音阈值测试的医学证据,并且听力损失的诊断必须由注册的耳鼻喉科(ENT)专家确认。
Irreversible symmetrical loss of sensorineural hearing with loss of at least 60 decibels in all audible frequencies (500,1000,2000,4000Hz) of hearing in both ears and as a result of age degeneration that requires treatment with a hearing aid. Medical evidence in the form of an audiometry and sound-threshold test must be provided, and the diagnosis of loss of hearing must be confirmed by a Registered Medical Practitioner who is an ear, nose and throat (ENT) specialist.| Irreversible symmetrical loss of sensorineural hearing with loss of at least 60 decibels in all audible frequencies $(500,1000,2000,4000 \mathrm{~Hz})$ of hearing in both ears and as a result of age degeneration that requires treatment with a hearing aid. | | :--- | | Medical evidence in the form of an audiometry and sound-threshold test must be provided, and the diagnosis of loss of hearing must be confirmed by a Registered Medical Practitioner who is an ear, nose and throat (ENT) specialist. |
16
尿失禁需要外科修复

需要手术修复的尿失禁是一种满足以下所有诊断条件的情况:- 尿失禁已被诊断,并在注册医疗从业者的管理下至少持续了 6 个月,在此期间,需要持续的尿失禁医疗治疗;并且 - 已进行医学上必要的手术修复,唯一目的是纠正尿失禁。如果尿失禁在本附加福利的福利开始日期或复职日期(如有)之前被诊断,则此福利不予支付。包括对其他病理的治疗的手术,例如因子宫病理或功能障碍而进行的子宫切除术,不符合此条件。
Urinary Incontinence requiring surgical repair is a condition where all the following diagnostic conditions are met: - Urinary Incontinence has been diagnosed and under the management of a Registered Medical Practitioner for at least 6 months during which time, there has been a need for continuous incontinence medical treatment, and - Medically necessary surgical repair has been undertaken for the sole purpose of correcting the incontinence. This benefit is not payable if Urinary Incontinence was diagnosed before the Benefit Commencement Date of this Supplementary Benefit or date of reinstatement (if any). Surgery that includes treatment for other pathology including a hysterectomy for uterus pathology or dysfunction does not meet this condition.| Urinary Incontinence requiring surgical repair is a condition where all the following diagnostic conditions are met: | | :--- | | - Urinary Incontinence has been diagnosed and under the management of a Registered Medical Practitioner for at least 6 months during which time, there has been a need for continuous incontinence medical treatment, and | | - Medically necessary surgical repair has been undertaken for the sole purpose of correcting the incontinence. | | This benefit is not payable if Urinary Incontinence was diagnosed before the Benefit Commencement Date of this Supplementary Benefit or date of reinstatement (if any). Surgery that includes treatment for other pathology including a hysterectomy for uterus pathology or dysfunction does not meet this condition. |
17
严重青少年类风湿关节炎(斯蒂尔病)

一种青少年慢性关节炎的形式,其特征是高热和全身性疾病的迹象,可能在关节炎发作前持续数月。该病症必须具有主要表现,包括高烧、每日(每日)发热、短暂性皮疹、关节炎、脾肿大、淋巴结肿大、浆膜炎、体重减轻、中性粒细胞增多、急性期蛋白增加以及抗核抗体(ANA)和类风湿因子(RF)的阴性检测。只有在由儿科风湿病专家确认诊断并且病情记录至少 6 个月的情况下,才会接受对此福利的申请。
18 重型血友病
被保险人必须患有严重的血友病 A(VIII 缺乏)或血友病 B(IX 缺乏),其因子 VIII 或因子 IX 活性水平低于 1%。诊断必须由血液学专家确认。
19
风湿热伴瓣膜损害

根据修订后的琼斯标准,经过顾问心脏病专家确认的急性风湿热诊断。必须涉及一个或多个心脏瓣膜,并且至少有轻度瓣膜功能不全,归因于风湿热,经过顾问心脏病专家的定量瓣膜功能检查确认。
12 Severe Ulcerative Colitis "Ulcerative colitis shall mean acute fulminant ulcerative colitis with life threatening electrolyte disturbances associated with but not limited to intestinal distension or a risk of intestinal rupture, involving the entire colon with severe bloody diarrhoea or systemic signs and symptoms and for which the treatment of colectomy or ileostomy has been done. Diagnosis must be based on histopathological features and surgery in the form of colectomy or ileostomy should form part of the treatment." 13 Pheochromocytoma Presence of neuroendocrine tumour of adrenal or extra-adrenal chromaffin tissue that secretes excess catecholamines. The diagnosis of pheochromocytoma must be confirmed by a specialist in the relevant field and supported by a histopathological examination. 14 "Age-related Macular Degeneration with Visual Impairment " "Age-related Macular Degeneration with visual impairment must be diagnosed by an ophthalmologist or a specialist in the relevant field and must have undergone laser photocoagulation or photodynamic therapy. Visual impairment due to alcohol or drug or substance misuse is excluded." 15 Severe Presbycusis related Hearing Loss) "Irreversible symmetrical loss of sensorineural hearing with loss of at least 60 decibels in all audible frequencies (500,1000,2000,4000Hz) of hearing in both ears and as a result of age degeneration that requires treatment with a hearing aid. Medical evidence in the form of an audiometry and sound-threshold test must be provided, and the diagnosis of loss of hearing must be confirmed by a Registered Medical Practitioner who is an ear, nose and throat (ENT) specialist." 16 Urinary Incontinence requiring Surgical Repair "Urinary Incontinence requiring surgical repair is a condition where all the following diagnostic conditions are met: - Urinary Incontinence has been diagnosed and under the management of a Registered Medical Practitioner for at least 6 months during which time, there has been a need for continuous incontinence medical treatment, and - Medically necessary surgical repair has been undertaken for the sole purpose of correcting the incontinence. This benefit is not payable if Urinary Incontinence was diagnosed before the Benefit Commencement Date of this Supplementary Benefit or date of reinstatement (if any). Surgery that includes treatment for other pathology including a hysterectomy for uterus pathology or dysfunction does not meet this condition." 17 Severe Juvenile Rheumatoid Arthritis (Stills Disease) A form of juvenile chronic arthritis characterised by high fever and signs of systemic illness that can exist for months before the onset of arthritis. The condition must be characterised by cardinal manifestations which include high spiking, daily (quotidian) fevers, evanescent rash, arthritis, splenomegaly, lymphadenopathy, serositis, weight loss, neutrophilic leucocytosis, increased acute phase proteins and sero-negative tests for Antinuclear Antibodies (ANA) and Rheumatoid Factor (RF). A claim for this benefit will be admitted only if the diagnosis is confirmed by a paediatric rheumatologist and the condition has to be documented for at least 6 months. 18 Severe Haemophilia The Life Assured must be suffering from severe haemophilia A (VIII deficiency) or haemophilia B (IX deficiency) with factor VIII or factor IX activity levels less than 1%. Diagnosis must be confirmed by a haematologist. 19 Rheumatic Fever with Valvular Impairment A confirmed diagnosis by a consultant cardiologist of acute rheumatic fever according to the revised Jones criteria for its diagnosis. There must be involvement of one or more heart valves and at least mild valve incompetence attributable to rheumatic fever as confirmed by quantitative investigations of the valve function by a consultant cardiologist.| 12 | Severe Ulcerative Colitis | Ulcerative colitis shall mean acute fulminant ulcerative colitis with life threatening electrolyte disturbances associated with but not limited to intestinal distension or a risk of intestinal rupture, involving the entire colon with severe bloody diarrhoea or systemic signs and symptoms and for which the treatment of colectomy or ileostomy has been done. <br> Diagnosis must be based on histopathological features and surgery in the form of colectomy or ileostomy should form part of the treatment. | | :---: | :---: | :---: | | 13 | Pheochromocytoma | Presence of neuroendocrine tumour of adrenal or extra-adrenal chromaffin tissue that secretes excess catecholamines. The diagnosis of pheochromocytoma must be confirmed by a specialist in the relevant field and supported by a histopathological examination. | | 14 | Age-related Macular <br> Degeneration with Visual <br> Impairment | Age-related Macular Degeneration with visual impairment must be diagnosed by an ophthalmologist or a specialist in the relevant field and must have undergone laser photocoagulation or photodynamic therapy. <br> Visual impairment due to alcohol or drug or substance misuse is excluded. | | 15 | Severe Presbycusis related Hearing Loss) | Irreversible symmetrical loss of sensorineural hearing with loss of at least 60 decibels in all audible frequencies $(500,1000,2000,4000 \mathrm{~Hz})$ of hearing in both ears and as a result of age degeneration that requires treatment with a hearing aid. <br> Medical evidence in the form of an audiometry and sound-threshold test must be provided, and the diagnosis of loss of hearing must be confirmed by a Registered Medical Practitioner who is an ear, nose and throat (ENT) specialist. | | 16 | Urinary Incontinence requiring Surgical Repair | Urinary Incontinence requiring surgical repair is a condition where all the following diagnostic conditions are met: <br> - Urinary Incontinence has been diagnosed and under the management of a Registered Medical Practitioner for at least 6 months during which time, there has been a need for continuous incontinence medical treatment, and <br> - Medically necessary surgical repair has been undertaken for the sole purpose of correcting the incontinence. <br> This benefit is not payable if Urinary Incontinence was diagnosed before the Benefit Commencement Date of this Supplementary Benefit or date of reinstatement (if any). Surgery that includes treatment for other pathology including a hysterectomy for uterus pathology or dysfunction does not meet this condition. | | 17 | Severe Juvenile Rheumatoid Arthritis (Stills Disease) | A form of juvenile chronic arthritis characterised by high fever and signs of systemic illness that can exist for months before the onset of arthritis. The condition must be characterised by cardinal manifestations which include high spiking, daily (quotidian) fevers, evanescent rash, arthritis, splenomegaly, lymphadenopathy, serositis, weight loss, neutrophilic leucocytosis, increased acute phase proteins and sero-negative tests for Antinuclear Antibodies (ANA) and Rheumatoid Factor (RF). A claim for this benefit will be admitted only if the diagnosis is confirmed by a paediatric rheumatologist and the condition has to be documented for at least 6 months. | | 18 | Severe Haemophilia | The Life Assured must be suffering from severe haemophilia A (VIII deficiency) or haemophilia B (IX deficiency) with factor VIII or factor IX activity levels less than 1%. Diagnosis must be confirmed by a haematologist. | | 19 | Rheumatic Fever with Valvular Impairment | A confirmed diagnosis by a consultant cardiologist of acute rheumatic fever according to the revised Jones criteria for its diagnosis. There must be involvement of one or more heart valves and at least mild valve incompetence attributable to rheumatic fever as confirmed by quantitative investigations of the valve function by a consultant cardiologist. |
20 成骨不全症

这是一种遗传性疾病,其特征是脆弱、骨质疏松、易骨折的骨骼。被保险人必须被诊断为 III 型成骨不全症,并确认符合以下所有条件:- 体检结果显示生长迟缓和听力障碍,且 - X 光检查结果显示多处骨折和进行性脊柱侧弯,且 - 皮肤活检结果为阳性。成骨不全症的诊断必须由儿科医生确认。
This is a genetic disorder characterised by brittle, osteoporotic, easily fractured bones. The Life Assured must be diagnosed as a type III Osteogenesis Imperfecta confirmed by the occurrence of all of the following conditions: - the result of physical examination indicating growth retardation and hearing impairment, and - the result of X-ray studies reveals multiple fracture of bones and progressive kyphoscoliosis, and - positive result of skin biopsy. Diagnosis of Osteogenesis Imperfecta must be confirmed by a paediatrician.| This is a genetic disorder characterised by brittle, osteoporotic, easily fractured bones. The Life Assured must be diagnosed as a type III Osteogenesis Imperfecta confirmed by the occurrence of all of the following conditions: | | :--- | | - the result of physical examination indicating growth retardation and hearing impairment, and | | - the result of X-ray studies reveals multiple fracture of bones and progressive kyphoscoliosis, and | | - positive result of skin biopsy. | | Diagnosis of Osteogenesis Imperfecta must be confirmed by a paediatrician. |
21
胰岛素依赖型糖尿病

糖尿病是由胰岛素分泌缺陷引起的慢性高血糖。胰岛素依赖型糖尿病的特点是持续依赖外源性胰岛素以维持生命,经过内分泌科医生的诊断,这种依赖必须持续不少于 6 个月。
22 川崎病
这是一种急性、发热和多系统的儿童疾病,特点是非化脓性颈部淋巴腺炎、皮肤和粘膜损伤。诊断必须由儿科医生确认,并且必须有超声心动图证据显示心脏受累,表现为冠状动脉的扩张或动脉瘤形成,并在初次急性发作后持续至少 6 个月。
23
肾小球肾炎 quad\quad 伴肾病综合症

由肾脏科医生确认的肾小球肾炎伴肾病综合征的诊断,并应确认在与综合征相关的整个期间内遵循了适合临床表现的治疗方案。该综合征必须持续至少 6 个月,无论是否有间歇性缓解期。
24
I 型青少年脊髓性肌萎缩症

脊髓前角细胞和脑干运动核的退行性疾病,其特征是显著的近端肌肉无力和萎缩,主要发生在腿部,随后涉及远端肌肉。损伤必须独立于所有其他原因,并直接导致被保险人永久性无法(无论是否借助他人)至少完成 3 项“日常生活活动”(ADLs)连续 6 个月。诊断必须由神经科医生进行,并进行适当的神经肌肉测试,如肌电图(EMG)。只有在首次诊断时年龄在 6 岁至 17 岁之间的被保险人才有资格根据此疾病获得赔付。根据本定义,“借助”应指使用特殊设备、装置和/或器械,而不涉及人力援助。
Degenerative diseases of the anterior horn cells in the spinal cord and motor nuclei of the brainstem characterised by profound proximal muscular weakness and wasting, primarily in the legs, followed by distal muscle involvement. The damage must result independently of all other causes and directly in the Life Assured's permanent inability to perform (whether aided or unaided) at least 3 of the "Activities of Daily Living" (ADLs) for a continuous period of 6 months. The diagnosis must be made by a neurologist with appropriate neuromuscular testing such as Electromyogram (EMG). Only Life Assured whose Age is between 6 years old to 17 years old on first diagnosis is eligible to receive a benefit under this illness. For the purpose of this definition, "aided" shall mean with the aid of special equipment, device and/or apparatus and not pertaining to human aid.| Degenerative diseases of the anterior horn cells in the spinal cord and motor nuclei of the brainstem characterised by profound proximal muscular weakness and wasting, primarily in the legs, followed by distal muscle involvement. The damage must result independently of all other causes and directly in the Life Assured's permanent inability to perform (whether aided or unaided) at least 3 of the "Activities of Daily Living" (ADLs) for a continuous period of 6 months. The diagnosis must be made by a neurologist with appropriate neuromuscular testing such as Electromyogram (EMG). | | :--- | | Only Life Assured whose Age is between 6 years old to 17 years old on first diagnosis is eligible to receive a benefit under this illness. | | For the purpose of this definition, "aided" shall mean with the aid of special equipment, device and/or apparatus and not pertaining to human aid. |
20 Osteogenesis Imperfecta "This is a genetic disorder characterised by brittle, osteoporotic, easily fractured bones. The Life Assured must be diagnosed as a type III Osteogenesis Imperfecta confirmed by the occurrence of all of the following conditions: - the result of physical examination indicating growth retardation and hearing impairment, and - the result of X-ray studies reveals multiple fracture of bones and progressive kyphoscoliosis, and - positive result of skin biopsy. Diagnosis of Osteogenesis Imperfecta must be confirmed by a paediatrician." 21 Insulin Dependent Diabetes Mellitus Diabetes mellitus is chronic hyperglycaemia, caused by defective insulin secretion. Insulin Dependent Diabetes Mellitus is characterised by the continuous dependence on exogenous insulin for the preservation of life as diagnosed by an endocrinologist and such dependence must persist for not less than 6 months. 22 Kawasaki Disease This is acute, febrile and multisystem disease of children, characterised by non-suppurative cervical adenitis, skin and mucous membrane lesions. Diagnosis must be confirmed by a paediatrician and there must be echocardiograph evidence of cardiac involvement manifested by dilatation or aneurysm formation in the coronary arteries which persists for at least 6 months after the initial acute episode. 23 Glomerulonephritis quad with Nephrotic Syndrome A confirmed diagnosis of glomerulonephritis with nephrotic syndrome by a nephrologist and who should confirm that a treatment regimen appropriate to the clinical presentation has been followed throughout the period to which syndrome relates. The syndrome must have continued for a period of at least 6 months with or without intervening periods of remission. 24 Type I Juvenile Spinal Amyotrophy "Degenerative diseases of the anterior horn cells in the spinal cord and motor nuclei of the brainstem characterised by profound proximal muscular weakness and wasting, primarily in the legs, followed by distal muscle involvement. The damage must result independently of all other causes and directly in the Life Assured's permanent inability to perform (whether aided or unaided) at least 3 of the "Activities of Daily Living" (ADLs) for a continuous period of 6 months. The diagnosis must be made by a neurologist with appropriate neuromuscular testing such as Electromyogram (EMG). Only Life Assured whose Age is between 6 years old to 17 years old on first diagnosis is eligible to receive a benefit under this illness. For the purpose of this definition, "aided" shall mean with the aid of special equipment, device and/or apparatus and not pertaining to human aid."| 20 | Osteogenesis Imperfecta | This is a genetic disorder characterised by brittle, osteoporotic, easily fractured bones. The Life Assured must be diagnosed as a type III Osteogenesis Imperfecta confirmed by the occurrence of all of the following conditions: <br> - the result of physical examination indicating growth retardation and hearing impairment, and <br> - the result of X-ray studies reveals multiple fracture of bones and progressive kyphoscoliosis, and <br> - positive result of skin biopsy. <br> Diagnosis of Osteogenesis Imperfecta must be confirmed by a paediatrician. | | :---: | :---: | :---: | | 21 | Insulin Dependent Diabetes Mellitus | Diabetes mellitus is chronic hyperglycaemia, caused by defective insulin secretion. Insulin Dependent Diabetes Mellitus is characterised by the continuous dependence on exogenous insulin for the preservation of life as diagnosed by an endocrinologist and such dependence must persist for not less than 6 months. | | 22 | Kawasaki Disease | This is acute, febrile and multisystem disease of children, characterised by non-suppurative cervical adenitis, skin and mucous membrane lesions. Diagnosis must be confirmed by a paediatrician and there must be echocardiograph evidence of cardiac involvement manifested by dilatation or aneurysm formation in the coronary arteries which persists for at least 6 months after the initial acute episode. | | 23 | Glomerulonephritis $\quad$ with Nephrotic Syndrome | A confirmed diagnosis of glomerulonephritis with nephrotic syndrome by a nephrologist and who should confirm that a treatment regimen appropriate to the clinical presentation has been followed throughout the period to which syndrome relates. The syndrome must have continued for a period of at least 6 months with or without intervening periods of remission. | | 24 | Type I Juvenile Spinal Amyotrophy | Degenerative diseases of the anterior horn cells in the spinal cord and motor nuclei of the brainstem characterised by profound proximal muscular weakness and wasting, primarily in the legs, followed by distal muscle involvement. The damage must result independently of all other causes and directly in the Life Assured's permanent inability to perform (whether aided or unaided) at least 3 of the "Activities of Daily Living" (ADLs) for a continuous period of 6 months. The diagnosis must be made by a neurologist with appropriate neuromuscular testing such as Electromyogram (EMG). <br> Only Life Assured whose Age is between 6 years old to 17 years old on first diagnosis is eligible to receive a benefit under this illness. <br> For the purpose of this definition, "aided" shall mean with the aid of special equipment, device and/or apparatus and not pertaining to human aid. |
25
特定严重程度的自闭症

明确诊断为特定严重程度的自闭症,必须在诊断后持续不间断至少 6 个月,并由至少相隔 6 个月的 2 次不同评估支持,且被保险人必须正在接受治疗,例如但不限于行为疗法、心理干预或在认可机构的特殊教育。特定严重程度的自闭症必须满足以下诊断标准,并根据《精神障碍诊断与统计手册》(DSM-5)被分类为严重程度等级 3(需要在每个领域单独评估的非常大量支持),由主治的注册儿科精神科或儿科神经科专家认证:(a)在多个情境中存在持续的社交沟通和社交互动缺陷,表现为以下方面:- 语言和非语言社交沟通技能的严重缺陷,导致功能严重受损,社交互动的发起非常有限,对他人的社交接触反应极少。 (b) 限制性、重复性的行为、兴趣或活动模式,表现为以下方面:- 行为的僵化,极难应对变化,或其他限制性/重复性行为显著干扰各个领域的功能。极大的痛苦/难以改变注意力或行动。 (c) 症状必须在早期发展阶段出现。 (d) 症状在社交、职业或其他重要的当前功能领域造成临床显著的损害。如果被保险人在索赔阶段不居住在新加坡,诊断必须由新加坡的注册专家认证。
An unequivocal diagnosis of Autism of Specified Severity which must have continued without interruption for a period of at least 6 months after diagnosis supported by 2 different assessments performed at least 6 months apart, and the Life Assured must be undergoing treatment such as but not limited to behavioural therapy, psychological interventions or special education at recognised institute. Autism of Specified Severity must fulfil the following diagnostic criteria and be classified as severity Level 3 (requiring very substantial support assessed separately for each domain) based on Diagnostic and Statistical Manual of Mental Disorders (DSM-5), as certified by the attending registered specialist in Paediatric Psychiatry or Paediatric Neurology: (a) Persistent deficits in social communication and social interaction across multiple contexts, as manifested by the following: - Severe deficits in verbal and non-verbal social communication skills causing severe impairments in functioning, very limited initiation of social interactions, and minimal response to social overtures from others. (b) Restricted, repetitive patterns of behaviour, interests, or activities, as manifested by the following: - inflexibility of behaviour, extreme difficulty coping with change, or other restricted / repetitive behaviours markedly interferes with functioning in all spheres. Great distress / difficulty changing focus or action. (c) Symptoms must be present in the early developmental period. (d) Symptoms caused clinically significant impairment in social, occupational, or other important areas of current functioning. If the Life Assured is not residing in Singapore at claims stage, the diagnosis must be certified by a registered specialist in Singapore.| An unequivocal diagnosis of Autism of Specified Severity which must have continued without interruption for a period of at least 6 months after diagnosis supported by 2 different assessments performed at least 6 months apart, and the Life Assured must be undergoing treatment such as but not limited to behavioural therapy, psychological interventions or special education at recognised institute. | | :--- | | Autism of Specified Severity must fulfil the following diagnostic criteria and be classified as severity Level 3 (requiring very substantial support assessed separately for each domain) based on Diagnostic and Statistical Manual of Mental Disorders (DSM-5), as certified by the attending registered specialist in Paediatric Psychiatry or Paediatric Neurology: | | (a) Persistent deficits in social communication and social interaction across multiple contexts, as manifested by the following: | | - Severe deficits in verbal and non-verbal social communication skills causing severe impairments in functioning, very limited initiation of social interactions, and minimal response to social overtures from others. | | (b) Restricted, repetitive patterns of behaviour, interests, or activities, as manifested by the following: | | - inflexibility of behaviour, extreme difficulty coping with change, or other restricted / repetitive behaviours markedly interferes with functioning in all spheres. Great distress / difficulty changing focus or action. | | (c) Symptoms must be present in the early developmental period. | | (d) Symptoms caused clinically significant impairment in social, occupational, or other important areas of current functioning. | | If the Life Assured is not residing in Singapore at claims stage, the diagnosis must be certified by a registered specialist in Singapore. |
26 广义破伤风

破伤风是一种以急性高张力、疼痛性肌肉收缩(包括但不限于下颌和颈部肌肉)以及由破伤风毒素引起的全身性肌肉痉挛为特征的疾病,该毒素由破伤风梭菌感染产生。由于破伤风毒素引起的全身性破伤风的诊断必须由注册医疗从业人员确认。要符合此项福利,必须满足以下所有标准:- 作为对由破伤风毒素引起的全身性破伤风的医学必要治疗,实施至少 3 天的持续机械通气,且 - 给予破伤风免疫球蛋白。
Tetanus is an illness characterised by an acute onset of hypertonia, painful muscular contractions (including but not limited to the muscles of the jaw and neck) and generalised muscle spasms caused by tetanus toxin that is produced by Clostridium tetani bacterium infection. The diagnosis of Generalised Tetanus due to tetanus toxin must be confirmed by a Registered Medical Practitioner. All the following criteria must be met to qualify for this benefit: - Constant mechanical ventilation is instituted for at least 3 days as a medically necessary treatment for Generalised Tetanus due to tetanus toxin, and - Tetanus immune Globulin is administered.| Tetanus is an illness characterised by an acute onset of hypertonia, painful muscular contractions (including but not limited to the muscles of the jaw and neck) and generalised muscle spasms caused by tetanus toxin that is produced by Clostridium tetani bacterium infection. The diagnosis of Generalised Tetanus due to tetanus toxin must be confirmed by a Registered Medical Practitioner. | | :--- | | All the following criteria must be met to qualify for this benefit: | | - Constant mechanical ventilation is instituted for at least 3 days as a medically necessary treatment for Generalised Tetanus due to tetanus toxin, and | | - Tetanus immune Globulin is administered. |
27 狂犬病

狂犬病是一种犬、猫及其他动物的传染病,通过被感染动物的咬伤传播给人类。必须具备以下所有证据:- 典型症状包括吞咽困难、过度流涎、对水的恐惧(恐水症)和幻觉,以及 - 脑脊液(CSF)中存在狂犬病毒抗原或狂犬中和抗体滴度。诊断必须由相关领域的专家确认。
Rabies is an infectious disease of dogs, cats, and other animals, transmitted to humans by the bite of an infected animal. It has to be evidenced by all of the following: - Typical symptoms of difficulty in swallowing, excessive salivation, fear of water (hydrophobia) and hallucinations, and - Presence of rabies virus antigen or rabies-neutralising antibody titre in the Cerebrospinal Fluid (CSF). Diagnosis must be confirmed by a specialist in the relevant field.| Rabies is an infectious disease of dogs, cats, and other animals, transmitted to humans by the bite of an infected animal. It has to be evidenced by all of the following: | | :--- | | - Typical symptoms of difficulty in swallowing, excessive salivation, fear of water (hydrophobia) and hallucinations, and | | - Presence of rabies virus antigen or rabies-neutralising antibody titre in the Cerebrospinal Fluid (CSF). | | Diagnosis must be confirmed by a specialist in the relevant field. |
25 Autism of Specified Severity "An unequivocal diagnosis of Autism of Specified Severity which must have continued without interruption for a period of at least 6 months after diagnosis supported by 2 different assessments performed at least 6 months apart, and the Life Assured must be undergoing treatment such as but not limited to behavioural therapy, psychological interventions or special education at recognised institute. Autism of Specified Severity must fulfil the following diagnostic criteria and be classified as severity Level 3 (requiring very substantial support assessed separately for each domain) based on Diagnostic and Statistical Manual of Mental Disorders (DSM-5), as certified by the attending registered specialist in Paediatric Psychiatry or Paediatric Neurology: (a) Persistent deficits in social communication and social interaction across multiple contexts, as manifested by the following: - Severe deficits in verbal and non-verbal social communication skills causing severe impairments in functioning, very limited initiation of social interactions, and minimal response to social overtures from others. (b) Restricted, repetitive patterns of behaviour, interests, or activities, as manifested by the following: - inflexibility of behaviour, extreme difficulty coping with change, or other restricted / repetitive behaviours markedly interferes with functioning in all spheres. Great distress / difficulty changing focus or action. (c) Symptoms must be present in the early developmental period. (d) Symptoms caused clinically significant impairment in social, occupational, or other important areas of current functioning. If the Life Assured is not residing in Singapore at claims stage, the diagnosis must be certified by a registered specialist in Singapore." 26 Generalised Tetanus "Tetanus is an illness characterised by an acute onset of hypertonia, painful muscular contractions (including but not limited to the muscles of the jaw and neck) and generalised muscle spasms caused by tetanus toxin that is produced by Clostridium tetani bacterium infection. The diagnosis of Generalised Tetanus due to tetanus toxin must be confirmed by a Registered Medical Practitioner. All the following criteria must be met to qualify for this benefit: - Constant mechanical ventilation is instituted for at least 3 days as a medically necessary treatment for Generalised Tetanus due to tetanus toxin, and - Tetanus immune Globulin is administered." 27 Rabies "Rabies is an infectious disease of dogs, cats, and other animals, transmitted to humans by the bite of an infected animal. It has to be evidenced by all of the following: - Typical symptoms of difficulty in swallowing, excessive salivation, fear of water (hydrophobia) and hallucinations, and - Presence of rabies virus antigen or rabies-neutralising antibody titre in the Cerebrospinal Fluid (CSF). Diagnosis must be confirmed by a specialist in the relevant field."| 25 | Autism of Specified Severity | An unequivocal diagnosis of Autism of Specified Severity which must have continued without interruption for a period of at least 6 months after diagnosis supported by 2 different assessments performed at least 6 months apart, and the Life Assured must be undergoing treatment such as but not limited to behavioural therapy, psychological interventions or special education at recognised institute. <br> Autism of Specified Severity must fulfil the following diagnostic criteria and be classified as severity Level 3 (requiring very substantial support assessed separately for each domain) based on Diagnostic and Statistical Manual of Mental Disorders (DSM-5), as certified by the attending registered specialist in Paediatric Psychiatry or Paediatric Neurology: <br> (a) Persistent deficits in social communication and social interaction across multiple contexts, as manifested by the following: <br> - Severe deficits in verbal and non-verbal social communication skills causing severe impairments in functioning, very limited initiation of social interactions, and minimal response to social overtures from others. <br> (b) Restricted, repetitive patterns of behaviour, interests, or activities, as manifested by the following: <br> - inflexibility of behaviour, extreme difficulty coping with change, or other restricted / repetitive behaviours markedly interferes with functioning in all spheres. Great distress / difficulty changing focus or action. <br> (c) Symptoms must be present in the early developmental period. <br> (d) Symptoms caused clinically significant impairment in social, occupational, or other important areas of current functioning. <br> If the Life Assured is not residing in Singapore at claims stage, the diagnosis must be certified by a registered specialist in Singapore. | | :---: | :---: | :---: | | 26 | Generalised Tetanus | Tetanus is an illness characterised by an acute onset of hypertonia, painful muscular contractions (including but not limited to the muscles of the jaw and neck) and generalised muscle spasms caused by tetanus toxin that is produced by Clostridium tetani bacterium infection. The diagnosis of Generalised Tetanus due to tetanus toxin must be confirmed by a Registered Medical Practitioner. <br> All the following criteria must be met to qualify for this benefit: <br> - Constant mechanical ventilation is instituted for at least 3 days as a medically necessary treatment for Generalised Tetanus due to tetanus toxin, and <br> - Tetanus immune Globulin is administered. | | 27 | Rabies | Rabies is an infectious disease of dogs, cats, and other animals, transmitted to humans by the bite of an infected animal. It has to be evidenced by all of the following: <br> - Typical symptoms of difficulty in swallowing, excessive salivation, fear of water (hydrophobia) and hallucinations, and <br> - Presence of rabies virus antigen or rabies-neutralising antibody titre in the Cerebrospinal Fluid (CSF). <br> Diagnosis must be confirmed by a specialist in the relevant field. |


  1. 本保险单由新加坡人寿有限公司承保。

  2. 本保险单由新加坡人寿有限公司承保。


    4 Shenton Way #01-01 SGX Centre 2 新加坡 068807 电话: (65) 68279933 www.singlife.com 公司注册号: 196900499 K GST 注册号: MR-8500166-8

  3. 本保险单由新加坡人寿有限公司承保。


    4 Shenton Way #01-01 SGX Centre 2 新加坡 068807 电话: (65) 68279933 www.singlife.com 公司注册号: 196900499 K GST 注册号: MR-8500166-8