380% protection – we've got you covered

With the Timely Crisis Care Rider and Easy Defender Multiple Benefit Rider, Easy Defender series gives you up to 380% protection to keep you at ease. Here's how it works:

(The figures shown above are for illustrative purposes only. Limitation of benefits and exclusions apply. Please refer to the respective Provisions for details.)

^ Maximum Sum Insured of Timely Crisis Care Rider: 50% of the sum insured of the Basic Plan, subject to a maximum of US$62,500 / HK$500,000 (per life)

Comprehensive Protection Before and after critical Illness

Easy defender critical Illness Insurance Plan ("Basic Plan")

Critical Illness		100% of the sum insured (Crisis Benefit)^#

Special Disease		20% of the sum insured (Special Disease Benefit)^##

Timely Crisis Care Rider*

Serious Disease		100% of the sum insured of this rider (Serious Disease Benefit)^

or

Critical Illness		100% of the sum insured of this rider (Crisis Benefit)^

Easy defender Multiple Benefit Rider*

Diagnosis of Critical Illness again after the first Crisis claim from Basic Plan

Additional 2 Crisis Benefits^{^^}

The 2 benefits will be 110% and 120% of the sum insured of the Basic Plan respectively^{^^^}

Limitation of benefits and exclusions apply, please refer to the relevant Provisions for details.

*		You may attach Timely Crisis Care Rider and Easy Defender Multiple Benefit Rider to the Basic Plan separately.
#		The Crisis Benefit of the Basic Plan is payable once only. Once the Crisis Benefit is paid, the Basic Plan and the riders (except the Easy Defender Multiple Benefit Rider, if any) will be terminated. If the Crisis Benefit of the Basic Plan is paid due to Terminal Illness or Coma, the Basic Plan and all riders, including the Easy Defender Multiple Benefit Rider if any, will be terminated automatically.
##		Only the Basic Plan provides a coverage for 10 Adult Special Diseases from age 18 up to age 85 and 6 Juvenile Special Diseases from age 1 (15 days) to age 17. Advanced payment of 20% of the sum insured of the Basic Plan will be paid once only and is subject to a maximum of US$30,000 / HK$240,000, after which the sum insured, premium, Guaranteed Cash Value and Special Bonus of the Basic Plan will be adjusted accordingly. However, the sum insured of Timely Crisis Care Rider and Easy Defender Multiple Benefit Rider (if any) will not be adjusted. If the Insured has more than one Basic Plan with a similar or related Benefit, the total payment shall in no case exceed the maximum amount as stated above.
^		Only Serious Disease Benefit or Crisis Benefit is payable under Timely Crisis Care Rider and shall be paid once only. If the Crisis Benefit of the Basic Plan is paid due to Terminal Illness, the Crisis Benefit of Timely Crisis Care Rider will not be payable.
^^		Subject to further conditions, please refer to the relevant product brochure and Provisions for details.
^^^		Terminal Illness and Coma are not under the coverage of Easy Defender Multiple Benefit Rider. In addition, the Basic Plan and all riders (if any) will be terminated upon Crisis claim on Terminal Illness or Coma.