Critical Illness

	Crisis Fighter
	CrisiSaver
	Crisis Cash Advance Rider
	Crisis Cash Payment Rider
	CrisisPro

Crisis Fighter
Crisis Fighter safeguards you and your family in surviving a critical illness. It addresses the gaps in traditional life and medical coverage while further protecting you up to the golden age of 100.
	Lifelong coverage against 40 critical illnesses
	Extra 10 special diseases1 protection
	10, 15 or 20-year fixed premium terms available
	Level premiums for your easy planning2
	Access the best physicians through the second medical opinion service
	Life coverage with cash value assurance
1The benefit period will be up to the age of 85 of the life insured
2ING reserves the right to review the premium rates from time to time
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Fabulous Offer for customers
From now on until 26 August, 2008, successful applicants for Crisis Fighter will receive medical check-up program/ nutritionist consultation/ massage coupon. What’s more, customers who apply for any other medical insurance basic plan/ rider at the same time will be awarded up to HK$500 supermarket coupon.
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CrisiSaver
	Crisis coverage on 34 critical illnesses.
	Additional coverage for designated male and female illnesses and this additional benefit will not affect the basic critical illnesses coverage.
	Free periodic medical check up every two years.
	Enjoy 10 years coverage by just paying a 5-year premium.
	Upon maturity, 105% premium rebate is guaranteed as well as an additional non-guaranteed maturity bonus, which may be up to 28% of paid premium.
	In the case that the policy lapses after two years from its effective date, the premium rebate payable will be calculated according to the designated percentage based on the inforce years.
Queen Version is also provided as an extra option in our enhanced benefit plan that will take care of the needs of pregnant women.
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Crisis Cash Advance Rider
	Offers protection up to age 100.
	Provides you with broad coverage for more than 30 critical illnesses. 100% of the sum insured will be paid upon the diagnosis.
	Covers male and female crises such as Carcinoma-in-situ of Breast and Cervix Uteri, Carcinoma-in-situ of Testis, Systemic Lupus Erythematosus and Angioplasty.
	Advance payment of the basic sum insured will be payable upon diagnosis of any one of the critical illnesses by a registered medical practitioner.
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Crisis Cash Payment Rider
	Offers protection up to age 70.
	Provides you with broad coverage for more than 30 critical illnesses. 100% of the sum insured will be paid upon the diagnosis.
	Covers male and female crises such as Carcinoma-in-situ of Breast and Cervix Uteri, Carcinoma-in-situ of Testis, Systemic Lupus Erythematosus and Angioplasty.
	A lump sum cash payment will be payable upon diagnosis of any one of the critical illnesses by a registered medical practitioner.
	The basic life protection and the premium will remain unchanged after a crisis claim.

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CrisisPro
	Crisis coverage on 34 critical illnesses.
	Male and Female Special Disease Protection: covers male and female crises such as Carcinoma-in-situ of Testis, Carcinoma-in-situ of Breast or Cervix Uteri, Systemic Lupus Erythematosus and Angioplasty.
	Premium payment will be waived, and your coverage remains valid after a Crisis Benefit Claim (except Male and Female Special Disease Protection).
	A quarterly Crisis Care Benefit equal to 3% of the sum insured will be payable 3 months after the Crisis Benefit Claim (except Male and Female Special Diseases Protection), up to maximum of 120% of the sum insured.
	If death occurs before any Crisis Benefit Claim, double the sum insured will be payable.
	If death occurs after a crisis claim, a death benefit equal to twice the sum insured, less all previous claims paid, will be payable.
	CrisisPro can be converted to permanent insurance before age 60 without proof of good health.
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The above information is for reference only. For a complete explanation of the terms and conditions, please refer to the policy.