Joyful Care Critical Illness Insurance Plan
Enjoy up to 12.5% premium discount on the first year’s premium

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Insurance plan Premium payment mode First year annual premium
(excluding premium levy)
Premium discount on the first year’s premium
Joyful Care Critical Illness Insurance Plan Annual Below HKD8,000 / Below USD1,000 8%
HKD8,000 or above/
USD1,000 or above

Terms and conditions:

  1. This first year premium discount promotion (the “Offer”) is valid from 1 October 2021 to 31 December 2021 (both dates inclusive) (the “Promotion Period”).
  2. The Offer is only applicable to the application submitted through the agency channel of China Life Insurance (Overseas) Company Limited (“China Life (Overseas)”).
  3. The Offer is only applicable to China Life (Overseas)’s basic plan of “Joyful Care Critical Illness Insurance Plan”, and which fulfills the following requirements:
    • customers must submit complete application and initial premium during the Promotion Period;
    • the application signed date must be within the Promotion Period; and
    • the premium must be paid in annual mode.
  4. The Offer is calculated on a per policy basis regardless of the number of policies a policyholder has applied for.
  5. The Offer is only applicable to the basic plan’s standard premium.
  6. The Offer is NOT applicable to any premium levy, prepaid premiums, extra premium and rider’s premium.
  7. The Plan is underwritten by China Life (Overseas) and is subject to all respective policy terms and conditions. This promotion material should be read in conjunction with the product brochure of the Plan. For product information and risk disclosures of the Plan, please refer to the terms and conditions set out in the product brochures and the provisions of the policy issued by China Life (Overseas). All details of the Plan will be subject to the provisions of the policy. 
  8. China Life (Overseas) reserves the right to amend all or part of the terms and conditions of the Offer or terminate or revoke the Offer without issuing further notice. In the event of any disputes, China Life (Overseas) shall have absolute discretion in making a final decision.
  9. Save and except China Life (Overseas) and policyholders, no other person or entity shall have any rights under the Contracts (Rights of Third Parties) Ordinance to enforce any of these terms and conditions.
  10. By participating in the Offer, policyholders agree that they have read and agreed with the terms and conditions herein.
  11. The terms and conditions are governed by and must be construed in accordance with the laws of Hong Kong Special Administrative Region.
  12. This promotion material is for reference only and is intended to be distributed in Hong Kong only. It shall not be construed as any provision of or offer to sell or solicitation to buy any insurance product of China Life (Overseas) outside Hong Kong.

Important Information

The above information is for reference only. The detailed terms, conditions and exclusions of the Plan are subject to the relevant policy contract.

You have the right to purchase the medical insurance product as a standalone plan instead of bundling with other type(s) of insurance product.