Ageas Insurance Company (Asia) Limited ("Ageas") is one of Hong Kong's largest life insurance companies and a part of the Belgium based Aegeas group which since its beginnings as AG Leven in 1824 has grown to employ over 13,000 people worldwide Ageas offers both individual and institutional customers a broad range of financial protection products and wealth management services to match their exact needs. Ageas's management consistently implements cautious investment strategies. Wherever Ageas operates around the world it does so with an important goal in mind: to provide customers with peace of mind when they need it most. Its financial status is confirmed by the high ratings it has received from a number of global rating agencies, namely:

Fitch Ratings:




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Worry-free Comfort with Whole-of-Life Protection
The Platinum Term Plan has been designed for people between the ages of 18 and 65, and provides protection until they reach 100. In the unfortunate event of death of the insured, a lumpsum benefit equal to the sum insured becomes payable to your family.

Discounted Premium to Reward Your Healthy Lifestyle
We all understand that effort has to be paid in staying healthy. The Platinum Term Plan offers a preferential premium rate to reward those who lead a healthy life. Please contact your consultant for details.

Constant Premium for Financial Ease
The plan offers level premium in the first 10 or 20 policy years, enabling you to manage your finances more easily with fixed premium throughout the periods and in accordance to your financial plan. After the level premium period, the premium will be adjusted according to the attained age of the insured. The plan protects you until the age of 100 regardless of your health conditions.

Advanced Death Benefit to Meet Unexpected Needs
If the insured is diagnosed and certified as having 12 months, or fewer, to live from the date of such diagnosis and certification, an Advanced Death Benefit equivalent to 75% of the sum insured, up to US$1,000,000 (for policies denominated in USD)/HK$8,000,000 (for policies denominated in HKD) will be provided to cope with unexpected expenses.

Free Worldwide Emergency Assistance Services
When you enroll in the Platinum Term Plan, you will enjoy the 24-hour Worldwide Emergency Assistance Services, no matter where you are.

Continuous Protection until the Age of 100
“HealthCare 100” Critical Illness Protector is available to those aged between 15 days and 65 years, and provides protection against Critical Illnesses up to the age of 100 of the insured.

Comprehensive Protection for Contingencies
In addition to covering the most common Critical Illnesses such as cancer, heart attack and stroke, this plan offers comprehensive protection against other conditions such as Systemic Lupus Erythematosus with Lupus Nephritis and Kawasaki disease. The insured will receive up to 100% of the sum insured plus Terminal Dividend (less the total Living Benefits already paid (if applicable)) if diagnosed with a Critical Illness covered by the plan.

Varying Compensations According to Differing Severity Levels Grant Peace of Mind
The illnesses covered by the plan are classified into Severity Level 1, 2 or 3 (with Severity Level 3 representing the most severe group). The insured will receive Living Benefit amounts to 20%, 50% and 100% of the sum insured respectively, to settle corresponding medical expenses upon diagnosed with any of the Critical Illnesses covered by the plan. Less severe critical illnesses can become severe if proper treatment is not given, therefore some less severe critical illnesses or operations – such as Carcinoma in Situ, Less Severe Heart Attack, Minimally-Invasive Direct Coronary Artery by-pass and Early Stage Dementia – are covered by this plan. This protects the insured against a variety of conditions and allows him or her to receive treatment without having to worry about any financial burden. For details, please refer to the List of Critical Illnesses Covered under “HealthCare 100” Critical Illness Protector.

Death Benefit
In the unfortunate event of the Insured, 100% of the sum insured of the plan plus Terminal Dividend (less the total amount of Living Benefit already paid) will be offered to the designated beneficiary.

Wealth Accumulation and Protection Rolled into One
In addition to coverage for Critical Illnesses and life protection, this plan will help to build up your wealth. Its Guaranteed Cash Value together with the Terminal Dividend (less total amount of Living Benefit previously paid) will be paid when you surrender the policy or when the policy matures. Apart from enjoying protection up to the age of 100, you will also enjoy enhanced financial security while in good health.

Extra Compassionate Death Benefit
If Living Benefit has been paid for a Critical Illness of Severity Level 3 (except Terminal Illness and Total and Permanent Disability) and “Multi-Care Premier Protector” remains inforce, the premium of “HealthCare 100” Critical Illness Protector will be waived thereafter, and a Compassionate Death Benefit of US$1,000 will be paid in the unfortunate event that the insured passes away. The Compassionate Death Benefit is only applicable to the insured with additional protection under the rider “Multi-Care Premier Protector”.

Free Value-added Services Amount to 360-degree care
Family Protection
Patients always need continuous extensive care after discharge, “HealthCare 100” Critical Illness Protector specially offers you the Family Protection for free. This provides additional support such as physiotherapy and occupational therapy referral, free post-treatment transportation, diet consultation referral, as well as temporary tutorials for dependent children. Such benefits serve to dispel most common worries during recuperation. Please contact the service provider for details.
Global Advance Care
When sickness occurs, patients always want to seek various professional medical opinions to find out the most suitable treatment. That’s why “Global Advance Care” – which covers over 200 specified illnesses – has been built into the “HealthCare 100” Critical Illness Protector. When a specified illness is suspected, the insured can seek a medical second opinion from a world-leading medical centre for free, without having to wait for a Critical Illness claim to be approved. Please contact the service provider for details.
“Family Protection” is provided by Inter Partner Assistance Hong Kong Limited; “Global Advance Care” is provided by MediGuide America. Ageas reserves the right to switch service provider(s) without any prior notice and is also not liable for the service provided by the service provider(s).

Level Premiums and Flexible Premium Payment Period for Individual Needs
“HealthCare 100” Critical Illness Protector offers level premiums payment and flexible premium payment period including the payment term of 5, 10, 15, 20 and 25 years. It allows you to command full control over your financial planning.

Extend Your Protection with Optional Benefits
You can choose to build even greater protection by combining a wide range of optional benefits, such as hospitalization, accident protection, or term life insurance – and this can be done during or after enrolling in the “HealthCare 100” Critical Illness Protector.

Free Worldwide Emergency Assistance Services
After enrolling in the “HealthCare 100” Critical Illness Protector, you become entitled to 24-hour worldwide emergency assistance wherever in the world you may be.

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Navigator Insurance Brokers Ltd
Unit E, 8/F Golden Sun Centre
No. 59-67 Bonham Strand West
Sheung Wan, Hong Kong