Expected IRR
Premium Payment Term
Supported Currencies
Asset Allocation
USD Long-Term Savings & Dividend Insurance – “Wealth +” Series: Fully Upgraded Edition
Long-term Expected IRR
Premium Payment Period
Supported Currencies
Policy Term
Long-term Participating Savings Life Insurance · A Benchmark for Hong Kong Legacy Planning and Savings (2026)
Expected IRR
Premium Payment Period
Supported Currencies
Policy Term
High-Yield Long-Term Dividend-Paying Savings & Life Insurance · Flagship Wealth Succession Solution
Covered illnesses
Overall compensation cap
Premium payment period
Age at entry
Covers 133 diseases · Total payout up to 1,300% · Monthly cancer benefits for 100 months · Lifelong care for neurodegenerative conditions · Double payout for ICU stays
Covered illnesses
Overall compensation cap
Premium payment period
Age at entry
115 illnesses covered, unlimited cancer payouts, total cover up to 1100%, top-tier child protection & Family Care Waiver.
Covered illnesses
Compensation
Guarantee period
Age at entry
168 covered illnesses, up to 500% sum insured for cancer, stroke and heart disease, full coverage of carcinoma in situ, sum insured reinstatement and monthly cash income benefit.
Annual Benefit Limit
Ward Class
Deductible
Key Benefits
Government-Authorised VHIS Flexi Medical Plan · HK$5M Annual Limit · Unlimited Lifetime Cover · Robust Cancer Protection · Resettable Benefit Limit
Annual Benefit Limit
Ward Class
Deductible
Lifetime Aggregate Benefit Limit
Government-authorised VHIS Flexi Plan. Full coverage for General Ward, HK$5,000,000 Annual Benefit Limit and Unlimited Lifetime Aggregate Benefit Limit.
Annual Benefit Limit
Room Class
Deductible
Key Protection Features
VHIS-Certified Premium Medical Plan, High Benefit Limit,
Asia/Worldwide Coverage, Unknown Pre-existing Conditions Covered from Year 1
Projected IRR
Premium Payment Term
Protection Period
Entry Age
Participating Whole Life Insurance · Low Premium + Built-in Policy Reverse Mortgage + Retirement Annuitisation
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