Reward 1A – AXA WiseGuard Pro Medical Insurance Plan + TotalAssure Series Premium Refund + Special Reward - Out-patient Service

During the Promotion Period, if customer successfully submits an application for all of the following basic plan / supplement at the same time:

(i) a basic plan / supplement of AXA WiseGuard Pro Medical Insurance Plan (“Designated AXA WiseGuard Pro Policy”) ; and

(ii) TotalAssure Critical Illness Plan / TotalAssure Critical Illness Plan – Baby Pro / TotalAssure Plus Critical Illness Plan / TotalAssure Plus Critical Illness Plan – Baby Pro (“TotalAssure Series”),

customer may be entitled to 8 months’ premium refund on the Designated AXA WiseGuard Pro Policy.   

What is more? Customer may also be entitled to a one-year out-patient service which includes general practitioner consultation and specialist consultation. The total maximum number of visits of general practitioner consultation and specialist consultation per year is 10, of which a maximum of 5 visits for specialist is allowed.

Reward 1B – AXA WiseGuard Pro Medical Insurance Plan Premium Refund + Special Reward - Out-patient Service

Reward 1C – IncomeBliss Deferred Annuity Plan Premium Discount

Reward 2A – Designated Critical Illness Products Premium Refund + Special Reward - Out-patient Service

Special Reward – Out-patient Service

During the Promotion Period, the Eligible Insured  (as defined in the Terms and Conditions) may be entitled to a one-year out-patient service which includes general practitioner consultation and specialist consultation after the designated basic plans / supplements of Reward 1A/ 1B or 2A is effective and has passed the cooling-off period (the “Special Reward”). The total maximum number of visits of general practitioner consultation and specialist consultation is 10 within that one-year, of which a maximum of 5 visits for specialist is allowed.

Reward 3A – Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan – Premium Refund

During the Promotion Period, if customer successfully submits application for a basic plan of Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan, customer may be entitled to premium refund on future premium(s).

Reward 3B – FortuneXtra Savings Plan Premium Refund

During the Promotion Period, if customer successfully submits applications for a basic plan of FortuneXtra Savings Plan and its supplements (if applicable) ("Designated FortuneXtra Savings Policy”), customer may be entitled to up to 24% basic premium refund on future premium(s) of such policy.

What is more? During the Promotion Period, if customer successfully submits an application for any of the following TotalAssure Series and / or Designated Medical Plan and all the relevant policies are held by the same policy owner:

(i) TotalAssure Series and Designated Medical Plan, customer may be entitled to 6% extra premium refund on future premium(s) on Designated FortuneXtra Savings Policy;

or

(ii) TotalAssure Series or Designated Medical Plan, customer may be entitled to 3% extra premium refund on future premium(s) on Designated FortuneXtra Savings Policy.

TotalAssure Series:

· TotalAssure Critical Illness Plan/ TotalAssure Critical Illness Plan – Baby Pro

·  TotalAssure Plus Critical Illness Plan/ TotalAssure Plus Critical Illness Plan – Baby Pro

Designated Medical Plan:

·  GlobalReach Medical Insurance Plan

·  AXA WiseGuard Pro Medical Insurance Plan (basic plan/ supplement)

For details of Reward 3B, please refer to the section of Reward 3B of the Terms and Conditions stated in the promotion leaflet.

Reward 3C - Max Wealth Insurance Plan (Lump Sum Payment) – Guaranteed Preferential Interest Rate

Reward 3C of the Promotion provides customers an offer of guaranteed preferential interest rate of 4.5% per annum^△ on the prepaid amount for the 1^st policy year.

To enjoy this offer, simply opt for lump sum payment arrangement and pay a lump sum payment with levy at the time of application of your Max Wealth Insurance Plan. The lump sum payment with levy to be applied as follows:

(i) pay for annual premium of the 1^st policy year and the corresponding levy ; and

(ii) deposit fund in advance into the future premium deposit account for premium payment of the 2^nd policy year (“Prepaid Amount”) and the corresponding levy. The Prepaid Amount will accumulate interest in the 1^st policy year at a guaranteed preferential interest rate of 4.5% per annum in the future premium deposit account. At the end of the 1^st policy year, the interest accrued will be credited to the future premium deposit account, and the Prepaid Amount and its accrued interest will be equal to the annual premium of the 2^nd policy year and will be automatically deducted from the future premium deposit account to settle the annual premium for the 2^nd policy year and the corresponding levy when due.

Reward 3D - Max Goal Insurance Plan Premium Discount

Reward 3E - JoyAhead Immediate Annuity Plan Premium Discount

During the Promotion Period, if customer successfully applies for the basic plan of JoyAhead Immediate Annuity Plan, customer can enjoy premium discount of up to 1% of single premium of such basic plan.

Reward 3F – Designated Savings Products Special Premium Refund

From 26 April 2025 to 31 May 2025, both dates inclusive, if customer successfully submits applications for the following basic plan / supplement and all the relevant policies are held by the same policy owner:

1.  a basic plan of FortuneXtra Savings Plan / WealthAhead Savings Plan and its supplements (if applicable) ("Designated Savings Policy of Reward 3F”) with the required total AFYP as stated in Table 3F below; and

2. TotalAssure Critical Illness Plan / TotalAssure Critical Illness Plan – Baby Pro / TotalAssure Plus Critical Illness Plan / TotalAssure Plus Critical Illness Plan – Baby Pro / GlobalReach Medical Insurance Plan / AXA WiseGuard PronMedical Insurance Plan (basic plan/ supplement) (“Designated Critical Illness and Medical Protection Policy”),

customer may be entitled to HKD3,888 (or its equivalent in foreign currency) special premium refund¹⁴ on future premium(s) on Designated Savings Policy of Reward 3F.

Reward 4 – Exclusive Privilege for New Customers of Designated Employee Benefits Insurance Package Plans