HealthSelect II Major Illness Plan

Recorded features: 62 major illnesses and specified minor illnesses; guaranteed cash value and death benefit.Public source · Checked: 13 Oct 2026

62 major illnesses and specified minor illnesses; guaranteed cash value and death benefit.Public source · Checked: 13 Oct 2026

Insurer claims guide · Critical illness

Critical illness — Steps: Complete Form I, obtain doctor’s Form II, submit evidence and await the settlement letter.Public source · Checked: 13 Oct 2026

Critical illness — Required documents: CI / Disability / Accident Form I, CI Form II and applicable tax-residency / privacy supplements.Public source · Checked: 13 Oct 2026

Critical illness — Deadlines / notification: Submit within 90 days of first diagnosis of the covered illness; retain originals for 6 months after claim completion.Public source · Checked: 13 Oct 2026

Critical illness — Submission channels: Emma app, post or financial consultant. The listed email is claim support, not an instruction to email a claim.Public source · Checked: 13 Oct 2026

Critical illness — Assessment / payment timing: Processing target: 7 working days after receipt of all required documents; settlement letter follows approval.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 12 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