Smart Elite Term / Smart Term
Last checked
At a glance
- Insurer
- AXA China Region Insurance Company (Hong Kong) Limited
- Product category
- Term life
- One-, five- or ten-year renewable terms or cover to age 75; conversion before age 70 subject to conditions.
Decision sheet
3 of 13 known · 10 not published
- What it pays and when
Recorded features: One-, five- or ten-year renewable terms or cover to age 75; conversion before age 70 subject to conditions.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
- not published
- Cooling-off
- not published
- Riders
- not published
- Claims steps
Insurer claims guide · Life / death
Life / death — Steps: Beneficiary completes the forms, submits supporting documents and awaits the settlement letter.Public source · Checked:
Life / death — Required documents: Death Form I (beneficiary), Form II (doctor), applicable tax-residency and privacy supplements.Public source · Checked:
Life / death — Submission channels: Post or financial consultant; postal address: Suite 2001, 20/F Tower Two, Times Square, Causeway Bay.Public source · Checked:
Life / death — Assessment / payment timing: Processing target: 7 working days after all documents arrive; no payment arrival deadline on this page.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:
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.
- What benefit limits apply?
- How much is the premium, and how long must I pay it?
- When and how can premiums change?
- What waiting periods apply?
- What exclusions apply?
- What are the cancellation terms and any surrender value or charges?
- Which riders are available, and what are their costs and terms?
- How can I service the policy from abroad, and what restrictions apply?
- Can you provide the key facts statement and policy provisions for this product?
- What is the cooling-off period, and how do I cancel during it?
- 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)
All published facts
All published facts
| Field | Recorded information |
|---|---|
| Product category | Term life |
| Recorded features | One-, five- or ten-year renewable terms or cover to age 75; conversion before age 70 subject to conditions. |
Names in other languages
- English
- Smart Elite Term / Smart Term
- 繁體中文
- 真智精選定期保險 / 真智定期保險
- 简体中文
- 真智精选定期保险/ 真智定期保险
Verified names follow insurer labels. Unconfirmed translations use English for navigation.
Sources & verification dates
Sources & verification dates
- Smart Elite Term / Smart Term — official product page
Source date: Not confirmed
Checked: - 真智精選定期保險 / 真智定期保險 — official product page
Source date: Not confirmed
Checked: - 真智精选定期保险/ 真智定期保险 — official product page
Source date: Not confirmed
Checked: