Side by Side Dementia Insurance Plan

Coverage for both Moderate Dementia and Severe Dementia

The Plan offers benefits covering the initial diagnosis of both Moderate Dementia and Severe Dementia. With 3 plan levels available, you can choose the coverage that best suits your protection needs.

Severe Dementia Benefit Settlement Options - tailored payouts for your unique needs

We offer flexible settlement options for the Severe Dementia Benefit. You can choose the payout method that works best for you to receive the Severe Dementia Benefit - whether it’s a one-time lump sum payment to address immediate financial needs, or monthly installment plan spread over time 5-year or 10-year for ongoing support.

Monthly financial support through Continuing Care Benefit

Side by Side offers continued support beyond the initial diagnosis. Starting 1 year after the Severe Dementia Benefit is first paid, you will receive monthly payouts of 1% of the Sum Assured for 15 years or until the Insured passes away, whichever is earlier.

Caregiver Support Benefit

Side by side offers reimbursement for the Caregiver’s Counselling Expenses incurred after the Insured is diagnosed with Severe Dementia. It provides up to USD 125 per day for a maximum of 15 visits per Policy, ensuring the designated Caregiver receives the mental health support they need.

One-stop care support service that goes beyond financial help

The Plan extends the valued-added service via Step by Step Care, a one-stop care support service that starts from the prevention stage across Hong Kong, Macau and designated GBA cities.

- Personal case management services
- Stay ahead with early cognitive assessment
- Daily living support
- Therapy services
- Extended training programmes

Life protection with or without a dementia claim 

If no dementia claim is made during the Insured’s lifetime, the Plan will still provide the Death Benefit which is equivalent to 105% of Total Basic Premium Paid, to the Beneficiary if the Insured passes away.

Policy continuity with a Successor Owner

By designating a Successor Owner, you can ensure proper management of the Policy. In the event of the Owner is Mentally Incapacitated, the Successor Owner will become the new Owner of the Policy upon the Company’s approval of the Successor Owner’s application.

Premium Wavier in times of need

If the Insured is diagnosed with Severe Dementia and the Severe Dementia Benefit will be payable, all future Premium payable (if any) under this Policy will be waived after the initial diagnosis of the Severe Dementia.

Hassle-free application by answering just one health question

Applying for the Plan is quick and simple. Just answer one health question - no medical underwriting is required.