Asia Unique - Family Care

Insurer claims guide · Medical / VHIS

Medical / VHIS — Steps: Patient completes and signs Part I; doctor signs and stamps Part II; submit the listed documents.Public source · Checked: 13 Oct 2026

Medical / VHIS — Required documents: Original receipts: patient/date/diagnosis/itemised charges; later insurer: certified receipts/settlement; referral/reports if applicable.Public source · Checked: 13 Oct 2026

Medical / VHIS — Deadlines / notification: The medical claim form excludes claims submitted after 90 days from discharge/treatment, and claims with insufficient information.Public source · Checked: 13 Oct 2026

Medical / VHIS — Submission channels: The medical form publishes ebclaims@afh.hk as its claims contact; confirm submission arrangements with that department.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 13 Oct 2026

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: 13 Oct 2026

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: 13 Oct 2026

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: 13 Oct 2026