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Smart Elite Ultra Critical Illness Insurance Plan

Last checked

At a glance

Insurer
AIA International Limited
Product category
Critical illness
Issue ages & basis
Issue ages & basis (1)
Issue ages & basis
Recorded informationPremium payment terms / Age basis
15 days to 65 years
Age basis: Not confirmed
  • 115 covered illnesses with multiple claims; premium waiver applies once claims reach 100% of initial sum assured.
Ask a licensed broker about this productCompare with similar plans

Decision sheet

4 of 14 known · 10 not published
What it pays and when

Benefit term: Whole lifePublic source · Checked:

Recorded features: 115 covered illnesses with multiple claims; premium waiver applies once claims reach 100% of initial sum assured.Public source · Checked:

Benefit limits
not published
Premium and payment term
not published
How premiums can change
not published
Guaranteed / non-guaranteed
not published
Waiting periods
not published
Main exclusions
not published
Surrender / cancellation

Early surrender may return considerably less than total premiums paid.Public source · Checked:

Cooling-off
not published
Riders
not published
Claims steps

Insurer claims guide · Critical illness

Critical illness — Steps: Choose the covered condition, prepare its documents, submit and await the decision.Public source · Checked:

Critical illness — Required documents: Part I and condition-specific medical certificate; cancer pathology or stroke brain imaging, as applicable; ID copy.Public source · Checked:

Critical illness — Submission channels: Submit via the financial planner / intermediary or mail to the published Customer Service Centre address.Public source · Checked:

Policy servicing from abroad
not published
Complaints and dispute routes

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked:

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked:

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked:

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked:

Covered conditions / definitions
not published

Known means some sourced information is available, not complete terms. Missing details are not evidence of no cover or no restriction.

Questions to ask before buying

Questions to ask before buying (11)

Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.

  1. What benefit limits apply?
  2. How much is the premium, and how long must I pay it?
  3. When and how can premiums change?
  4. What is the waiting period for illness claims?
  5. What exclusions apply?
  6. Which riders are available, and what are their costs and terms?
  7. How can I service the policy from abroad, and what restrictions apply?
  8. Which illnesses are covered, and how are they defined?
  9. Can you provide the key facts statement and policy provisions for this product?
  10. What is the cooling-off period, and how do I cancel during it?
  11. Which benefits and values are guaranteed, and which are not?
Belongs to

Belongs to

Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.

Matching goals and segments (by product type)

Insurers (8)
Comparison groups

Comparison groups

All published facts

All published facts

FieldRecorded information
Product category

Critical illness

Source 1
Benefit term

Whole life

Source 1
Issue ages & basis
Issue ages & basis
Recorded informationPremium payment terms / Age basis
15 days to 65 years
Age basis: Not confirmed
Source 1
Recorded features

115 covered illnesses with multiple claims; premium waiver applies once claims reach 100% of initial sum assured.

Source 1
Names in other languages
English
Smart Elite Ultra Critical Illness Insurance Plan
繁體中文
「多重智倍」危疾保險計劃
简体中文
「多重智倍」危疾保险计划

Verified names follow insurer labels. Unconfirmed translations use English for navigation.

Sources & verification dates

Sources & verification dates

  1. Smart Elite Ultra Critical Illness Insurance Plan — official product page

    Source date: Not confirmed
    Checked:

  2. 「多重智倍」危疾保險計劃 — official product page

    Source date: Not confirmed
    Checked:

  3. 「多重智倍」危疾保险计划 — official product page

    Source date: Not confirmed
    Checked:

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