AXA HealthVital II

 
 

Lifetime Critical Illness Cover
for your Children

Lock in low premium rates.
Provide Early Stage Critical Illness Cover and up to 3 Cancer Claims.

Critical Illness Quote - AXA HealthVital II

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Check out the sample rates here to see how much you would like to apply for. The sample rates are based on:
-100% of the basic plan sum assured up to age 100;
-the early and multi critical illness sum assureds are 50% of the basic plan sum assured each;
-premium term of 25 years;
-non-smokers.
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Quotation is for reference only. Please refer to the Product Illustration for exact numbers.

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Quotation is for reference only. Please refer to the Product Illustration for exact numbers.

(Protection up to Age 100)
Benefit on Death and Major Critical Illness : $1,000,000
Extra Coverage Benefit: extra $500,000 (If the death and major illness benefit is payable before the 10th policy anniversary)
Benefit on Death and Major Critical Illness : $2,000,000
Extra Coverage Benefit: extra $1,000,000 (If the death and major illness benefit is payable before the 10th policy anniversary)
Benefit on Death and Major Critical Illness : $2,500,000
Extra Coverage Benefit: extra $1,250,000 (If the death and major illness benefit is payable before the 10th policy anniversary)
(Protection up to Age 85)
Benefit on Early Stage Major Illness: $500,000
Benefit on Multiple Major Illness: $500,000 each claim (claim up to 4 times, after the basic plan and early critical illness benefit was fully paid out*)
Benefit on Early Stage Major Illness: $1,000,000
Benefit on Multiple Major Illness: $1,000,000 each claim (claim up to 4 times, after the basic plan and early critical illness benefit was fully paid out*)
Benefit on Early Stage Major Illness: $1,200,000
Benefit on Multiple Major Illness: $1,250,000 each claim (claim up to 4 times, after the basic plan and early critical illness benefit was fully paid out*)
*Guaranteed cash value available upon the surrender or maturity of the policy
*Guaranteed cash value available upon the surrender or maturity of the policy
*Guaranteed cash value available upon the surrender or maturity of the policy
Quote Request/Follow-up
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 Key Feature forAXA's HealthVital II

  

cancer red ribbon

 

Fixed Premium Payment Term

Gift your child a lifetime cover till 100

 

Early stage critical ilklness

 

62 Critical Illness + 54 Early Stage Critical Illness

Under Add-on supplement

multipay critical illness shield

 

Up to 3 Cancer Claims

Add-on Multiple Supplement to commence when basic plan fully paid out

later cancer flower

 

Younger You Buy, Longer the Coverage Period

Also lower the premium 

whole life heart beat

 

Death benefits & Surrender Value available

Provides cover for your loved ones. 



 
 

Why is HealthVital II suitable for children?

 

HealthVital II provides lifetime cover for a fixed premium payment term. So the earlier you buy this policy for your child, the less will be paid for this policy and the coverage period will be longer.

 

For example, the premiums for a 5-year old boy is $1,064 per month for 25 years to get a cover of major illness benefit of $1,000,000 plus early stage major illness benefit of $500,000 and a cover of Multiple claims major illness benefit of $500,00 for his whole life (till age 100). If you wait for 10 more years, this rate increases by 40% and the cover period is now 10 years less. So you will end up paying more and the period of cover will be less. 

 

In the future, your child can take over paying the premiums for the remainder of the premium term and choose to continue the policy or surrender the policy for a lump sum cash. At that stage, the premium rate will be very low for the level of cover.

 

Exclusive Offer (April): Earn DIY$200 upon successful application.

You can use the DIY$200 to redeem a HK$200 HKTVmall/supermarket voucher.

See our Rewards Catelogue.

 

Referral Program

 

HealthVital II is also eligible for the Refer a Friend program. Refer your friends and family for Health Vital and get DIY$100 for each referral.

 

DIY$ can be exchanged for supermarket vouchers including HKTV Mall, and InsureDIY vouchers (with higher value). Check out our rewards catalogue here.

 

How to refer:
Simply ask your friend to select "Referral" during the application process and key in your email address or referral code when they apply for HealthVital II here. 

 

Referral Reward
DIY$100 each

 

* Only applicable if your friend has not bought any insurance policy through InsureDIY before. DIY$ will only be awarded after your friend's free-look period. Not applicable for parents buying HealthVital II for their child/children.

 

 

GET A QUOTE

 

 

HealthVital II Main Benefits

HealthVital II is a participating life insurance plan designed to provide lump-sum payouts upon diagnosis of the covered critical illnesses. With the Early Stage Supplement and Multiple Supplement, it extends the protection to early stage major illnesses and allows up to a total of 3 Cancer claims, providing a comprehensive critical illness protection.

 

Major illness benefit: 62 covered major illnesses. 100% of the sum insured of the basic plan plus dividend (minus any amount claimed under the Minor Illness Benefit). 

 

Minor illness benefit: 28 covered minor illnesses. 25% of the sum insured of the basic plan. 

 

Extra coverage benefit: An addtional 50% (Age 0-35) or 35% (Age 36 or above) of the sum insured for the first 10 policy years

 

Death benefit: 100% of the sum insured of the basic plan plus dividend (minus any amount claimed under the Minor Illness Benefit)

 

Guaranteed cash value: A guaranteed cash value upon the surrender or maturity of the policy

 

Add-on Early Stage Supplement

Early stage major illness benefit

  • 54 covered early stage major illnesses
  • 100% of the sum insured of this supplement
Add-on Multiple Supplement

Multiple claims major illness benefit

  • 59 major illnesses in 10 major illness groups.
  • Commence when all paid/payable benefits reached 100% of the sum insured of the basic plan.
  • 4 additional major illness claims can be made.
  • 100% of the sum insured of this supplement for each claim, up to a total of 3 Cancer claims.

 

The plan can be attached with an enhanced version of multiple supplement called Multiple Supplement (Enhancer). 

 

Enhanced Multiple Supplement

Multiple Supplement (Enhancer)

  • 8 additional major illness claims on top of the basic plan
  • 3 Cancer claims, 2 Heart Attack claims and 2 Stroke claims in total

 

The quote can be requested separately. You can choose to fill up the form above,

Email us: This email address is being protected from spambots. You need JavaScript enabled to view it.;

Whatsapp message us: +852 9837 9980;

or Call us : +852 3975 2896 (Mon to Fri: 9am - 5pm).

 

Please refer to the brochure of HealthVitalII for more details.

 

 

 

GET A QUOTE

 

 

Here are some common questions about AXA's HealthVital II Plan

1. Should I apply for my Critical Illness cover now or wait till I am older and more likely to get struck by Critical Illness?

Our advice is that you get your Critical Illness Insurance cover as soon as possible. As you get older, there is a high chance that you would develop medical conditions. Even if these medical conditions are not classified as "critical illness", it may mean that insurer would not be willing to offer you any cover at that time. 

 

2. What is the maximum age that Critical Illness Insurance will cover to?

It depends on the policy. Typical Critical Illness plans will cover you until 85. However, HealthVital II will cover you until age 100. 

 

3. Do I need to go for a medical examination if I apply for Critical Illness Insurance?

If you are above a certain age and/or sum insured, then, yes, you will need to go for a medical checkup.

 

4. Is the terminal dividend guaranteed? 

 

Terminal dividend is non-guaranteed; it’s payable after the policy has been in force for 5 years on the earliest occurrence of the following: when all benefits payable under the basic plan reach 100% of the sum insured; or the surrender of the policy; or the maturity of the policy; or the death of the insured. Terminal dividend accumulates over time, which means that you will get a low surrender value if you terminate the policy early.

 

5. What if the life insured is laid off during the premium payment term?

There is an Extended Grace Period Benefit. Up to 365 days extension starting from the 2nd policy year will be available if the insured gets married; or becomes a parent; or is made redundant; or becomes divorced.

 

InsureDIY Limited is an insurance broker licensed by the Insurance Authority of Hong Kong and is authorised to distribute insurance in Hong Kong.

 

 

8-Year Policy Term