Verżjoni bil-Malti
X’inhi polza fuq il-Mard Kritiku?
Il-poloz fuq il-Mard Kritiku huma mfassla biex iħallsu somma f’daqqa biex jgħinu lilek u lill-għeżież tiegħek mill-impatt finanzjarju tal-mard kritiku. Jista’ jkun diffiċli sabiex taħseb dwar affarijiet bħal dawn, għalhekk se nagħtuk il-fatti ewlenin fil-qosor kemm jista’ jkun.
Lil min tkopri l-polza?
L-Assigurat fuq il-Ħajja hija l-persuna li l-ħajja tagħha hija assigurata mill-polza tiegħek. Jekk tieħu polza konġunta, it-tnejn li intom se tkunu Assigurati fuq il-Ħajja. Il-Polza fuq il-Mard Kritiku se tħallas jekk l-Assigurat fuq il-Ħajja jiġi ddijanjostikat b’marda kritika kif definit fid-dokumenti tal-polza.
Sid il-polza hija l-persuna li taqbel mal-polza. Hija responsabbli biex tħallas il-pagamenti ta’ kull xahar, li jissejħu Premiums.
Fil-biċċa l-kbira tal-każijiet, Sid il-polza huwa wkoll l-assigurat fuq il-Ħajja peress li jkun xtara l-polza għalih innifsu.
Xi poloz jipprovdu kopertura għat-tfal. It-Tfal Koperti huma t-tfal li l-ħajja tagħhom hija assigurata mill-polza tiegħek kif speċifikat fil-fuljett tal-polza.
Xi tkopri l-polza?
Aħna nkopru l-aktar mard kritiku li huwa komuni, bħall-kanċer, il-puplesija, l-attakk tal-qalb, it-trapjant ta’ bypass tal-arterja koronarja u l-insuffiċjenza tal-kliewi. Il-kundizzjonijiet eżatti koperti se jiġu speċifikati fil-ktieb tal-polza tiegħek, flimkien mal-livelli ta’ severità meħtieġa sabiex tagħmel talba għall-assigurazzjoni.
Jekk inti jew it-tfal nominati tiegħek jiġu ddijanjostikati b’marda kritika msemmija fil-fuljett tal-polza, aħna se nħallsuk benefiċċju ta’ somma f’daqqa.
Nista’ ntemm il-polza?
Tista’ ttemm il-polza tiegħek meta trid. Kulma għandek tagħmel huwa li tgħidilna bil-modi speċifikati fil-ktieb tal-polza tiegħek u l-polza se tintemm fid-data dovuta tal-Premium li jmiss.
Inkella, il-polza tiegħek se tintemm fi tmiem it-terminu tal-polza tiegħek, f’każ li tmut jew jekk il-polza titħallas kollha. Għal-lista sħiħa taċ-ċirkostanzi li jtemmu l-polza tiegħek, jekk jogħġbok aqra l-ktieb tal-polza tiegħek.
Se jkollok bżonn tħallas il-Premium tiegħek sa tmiem il-polza. Ħafna poloz għandhom perjodu ta’ konċessjoni għal pagamenti tard, li huwa speċifikat fil-ktieb tal-polza tiegħek. F'każ li jkun hemm premiums mhux imħallsa qabel tmiem il-perjodu ta’ konċessjoni, il-polza tiegħek se tintemm awtomatikament, għalhekk huwa importanti li ma tonqosx milli tħallashom sabiex tibqa’ kopert.
Jekk qed tesperjenza diffikultajiet finanzjarji u ma tistax tagħmel il-pagamenti tiegħek, kellem lit-tim malajr kemm jista’ jkun.
Din l-informazzjoni hija soġġetta għat-Termini u l-Kundizzjonijiet tal-polza rilevanti. Hija disponibbli kopja mingħajr ħlas, fuq talba minn HSBC Life Assurance (Malta) Ltd. jew HSBC Bank Malta p.l.c.
Approvata u maħruġa minn HSBC Bank Malta p.l.c., (116, Archbishop Street, Valletta VLT1444). HSBC Life Assurance (Malta) Ltd. hija awtorizzata mill-Awtorità tas-Servizzi Finanzjarji ta’ Malta biex twettaq negozju ta’ assigurazzjoni f’Malta skont l-Att dwar il-Kummerċ tal-Assigurazzjoni, 1998. HSBC Bank Malta p.l.c. hija rreġistrata bħala intermedjarju tal-assigurazzjoni marbut għal HSBC Life Assurance (Malta) Ltd. skont l-Att dwar id-Distribuzzjoni tal-Assigurazzjoni, (Kap. 487 tal-Liġijiet ta’ Malta).
English version
What is a Critical Illness policy?
Critical Illness policies are designed to pay a lump sum to support you and your loved ones from the financial impact of critical illness. It can be challenging to think about these things, so we’ll give you the key facts as briefly as possible.
Who does the policy cover?
The Life Insured is the person whose life is insured by your policy. If you take out a Joint policy, you will both be the Life Insured. The Critical Illness Policy will pay out if the Life Insured is diagnosed with a critical illness as defined in the policy documents.
The Policy Owner is the person who agrees to the policy. They’re responsible for making the monthly payments, which are called Premiums.
In most instances, the Policy owner is also the Life insured as they have bought the policy for themselves.
Some policies provide cover for children. The Covered Child is a child whose life is insured by your policy as specified in the policy booklet.
What does the policy cover?
We cover the most common critical illnesses, such as cancer, stroke, heart attack, coronary artery bypass grafting and kidney failure. The exact conditions covered will be specified in
our policy booklet, alongside required severity levels in order to make a claim.
If you or a nominated child is diagnosed with a critical illness mentioned in the policy booklet we’ll pay you a lump sum benefit.
Can I end the policy?
You can end your policy anytime. All you need to do is tell us in the ways specified within your policy booklet and the policy will end on the next Premium due date.
Otherwise, your policy will come to an end at the end of your policy term, if you die or if the policy is paid out in full. For a full list of circumstances that would end your policy, please read your policy booklet.
You’ll need to pay your Premium until the end of the Policy. Many policies have a grace period for late payments, which is specified in your policy booklet. If you don’t pay any missed premiums before the end of the grace period, your policy will end automatically so it’s important to stay on top of your payments so that you remain covered.
If you’re experiencing financial difficulties and can’t make your payments, speak to the team as soon as possible.
This information is subject to the relevant Policy Terms & Conditions. A copy is available on request, free of charge from HSBC Life Assurance (Malta) Ltd. or HSBC Bank Malta p.l.c.
Approved and issued by HSBC Bank Malta p.l.c., (116, Archbishop Street, Valletta VLT1444). HSBC Life Assurance (Malta) Ltd. is authorised by the Malta Financial Services Authority to carry on business of insurance in Malta under the Insurance Business Act, 1998. HSBC Bank Malta p.l.c. is enrolled as a tied insurance intermediary for HSBC Life Assurance (Malta) Ltd. under the Insurance Distribution Act, (Cap 487 of the Laws of Malta).