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Permanent Hospital Indemnity (20PHI)
Permanent Hospital Indemnity (20PHI)
20PHI is a Whole-life account for hospital indemnity. The product feature is as followed:
Premium Paying Period
20 years
Premium Mode
Annual
Benefit Period
Whole Life
Having surrender value
Benefit:
- Hospitalization Indemnity
1-unit per day within 30 days
2-unit per day over 30 days - Intensive Care Unit/Major Burn Unit
Extra 2-unit per day - Major Surgical Indemnity
50-unit - Major Surgery/Dread Disease Special Care
1-unit per day within 28 days - Clinic Benefit
0.25-unit per visit within 2 weeks before/after hospitalization - Home Recuperation
0.5-unit per day - Emergency Transfer
2-unit per hospitalization - Death Benefit
1,000-unit-accumulated claim payment
Products declaration
- HSBC cooperate with HIBT to provide regulator authorized insurance products. Insurance products are not saving products. It was protected by Insurance Stabilization Funds, not by Central Deposit Insurance.
- The related liability of insurance products was fully taken by insurance company, not by HSBC or HIBT.
