1. The Daily Hospital Income Benefit (or Family Daily Hospital Income Benefit, where applicable) or Intensive Care Benefit is only payable once for any one day of Hospital Confinement, regardless of the number of Disability per Hospital Confinement. If more than one Hospital Confinement are caused by the same or related Disability, Hong Kong Life will regard such multiple Hospital Confinements as being caused by the same Disability. In the case where Hospital Confinement occurs in places other than Hong Kong, Macau, Singapore, Malaysia, Thailand, Japan, North America, Europe, Australia and New Zealand, the amount of the benefit payable for each day of Hospital Confinement will be limited to 50% of the amount of Daily Hospital Income Benefit (and Family Daily Hospital Income Benefit, where applicable) and Intensive Care Benefit as shown on the Hospitalization Benefit Schedule, and subject to a maximum of 90 days for any one Disability (applicable for Daily Hospital Income Benefit and Intensive Care Benefit) or a maximum of 10 days for the Plan (applicable for Family Daily Hospital Income Benefit, where applicable). The Daily Hospital Income Benefit (and Family Daily Hospital Income Benefit, where applicable) and Intensive Care Benefit are payable on Medically Necessary Hospital Confinement basis. "Medically Necessary" means in respect of Hospital Confinement, treatment, procedure, supplies or other medical services, such Hospital Confinement, treatment, procedure, supplies or other medical services which are, in the Hong Kong Life's opinion: (i) required for, appropriate and consistent with the symptoms and findings or diagnosis and treatment of the Disability; (ii) in accordance with generally accepted medical practice and not of an experimental or investigative nature; (iii) not for the convenience of the Policyowner, Life Insured (or the Covered Family Member, where applicable), or Registered Medical Practitioner or any other person; and (iv) not able to be omitted without adversely affecting the medical condition of the Life Insured (or the Covered Family Member, where applicable).
2. "Hospital Confinement" means the admission and confinement of the Life Insured (or the Covered Family Member, where applicable) as an in-patient in a Hospital upon recommendation of a Registered Medical Practitioner for the treatment of a Disability provided that the Life Insured (or the Covered Family Member, where applicable) must be admitted in the Hospital as an in-patient for a minimum of 6 hours and continuously Stay in the Hospital thereafter prior to the Discharge of the Life Insured (or the Covered Family Member, where applicable), which incurs a charge for daily room and board of Hospital room or Intensive Care Unit. Hospital Confinement must be Medically Necessary.
3. Family Daily Hospital Income Benefit for Policyowner's legally married spouse or natural child, except the Life Insured (Covered Family Member) is only available if such spouse or child is accepted and approved by Hong Kong Life. Only one Covered Family Member can be covered under Family Daily Hospital Income Benefit. Spouse shall be (i) under the age of 60 at the time of application for Family Daily Hospital Income Benefit and (ii) under the age of 70 throughout the benefit term of the Plan. Child shall be attained the age of 15 days and is under the age of 18. Family Daily Hospital Income Benefit could be claimed a maximum of 10 days throughout the benefit term of the Plan. In no event shall the aggregate amount of benefit payable under the Family Daily Hospital Income Benefit of the Policy and all other insurance policies covering the Covered Family Member issued by Hong Kong Life from time to time, exceed a maximum aggregate amount of HKD1,500 for each day of Hospital Confinement. For detailed terms and conditions, please refer to relevant form and the policy document issued by Hong Kong Life.
4. Second Medical Opinion from Overseas Expert Service is provided by third party service provider. Such service is not part of the product features. The availability of the service is not guaranteed. The details of the service will be provided along with the policy document or please refer to the company website of Hong Kong Life. Hong Kong Life reserves the right to cancel or amend the said service at its sole discretion. In addition, Hong Kong Life will not be responsible for any services or opinions provided by the third-party service provider. Hong Kong Life reserves the right of final decision in case of any dispute.
5. The Policy will be terminated if the Policyowner cannot settle the premium payment before the end of the Grace Period during the Premium Payment Term, subject to the Non-forfeiture Option and other relevant provisions of the Policy. For detailed terms and conditions, please refer to the policy document issued by Hong Kong Life. If the Policy is terminated before the Maturity, the Guaranteed Surrender Value received by the Policyowner may be less than the Total Premiums Paid.

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About Hong Kong Life

Established in 2001, Hong Kong Life Insurance Limited ("Hong Kong Life") was founded by five local financial institutions including Asia Insurance Company Limited, Chong Hing Bank Limited, CMB Wing Lung Bank Limited, OCBC Wing Hang Bank Limited and Shanghai Commercial Bank Limited, which laid their foundations and have been serving people in Hong Kong for more than 50 years in average. Through our extensive network of around 140 distribution points comprising Chong Hing Bank, CMB Wing Lung Bank, OCBC Wing Hang and Shanghai Commercial Bank, we provide a comprehensive range of insurance services

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