MasterCare Medical Plan

Benefit term: Whole lifePublic source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Recorded features: Guaranteed renewal is subject to the stated age limit and policy conditions.Public source · Checked: 13 Oct 2026

The brochure states there is no lifetime limit; annual limits and benefit-item limits still apply.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Premium payment terms: Whole lifePublic source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

The insurer reserves the right to review and adjust premium rates on each policy anniversary based on the stated experience factors.Public source · Checked: 13 Oct 2026

Guaranteed renewal is subject to the stated age limit and policy conditions.Public source · Checked: 13 Oct 2026

Covered illness waits thirty days (ninety for a child conceived through assisted conception); accidents are immediate, HIV/AIDS five years and pregnancy complications one year. HIV/pregnancy benefits are unavailable under the Asia plan.Public source · Checked: 13 Oct 2026

Exclusions include pre-existing conditions, specified pregnancy/fertility services, self-injury, alcohol/drug abuse, congenital conditions, listed hazardous activities and experimental treatment, subject to the stated benefit exceptions.Public source · Checked: 13 Oct 2026

Signed written cancellation within 21 calendar days after the earlier policy or issuance-notice delivery refunds premiums and levy if no claim has been made.Public source · Checked: 13 Oct 2026

Insurer claims guide · Medical / VHIS

Medical / VHIS — Steps: Submit individual hospital claims through OneService and check status; original receipts of HKD10,000 or above must follow by mail.Public source · Checked: 13 Oct 2026

Medical / VHIS — Required documents: Hospital form, diagnosis / discharge evidence, original receipts and bill, certified ID; tests and other-insurer advice if applicable.Public source · Checked: 13 Oct 2026

Medical / VHIS — Submission channels: OneService online; mail original receipts and form where required.Public source · Checked: 13 Oct 2026

Medical / VHIS — Overseas claims / servicing: Mainland hospitalisation needs admission / discharge records, outpatient records and itemised hospital charges.Public source · Checked: 13 Oct 2026

Medical / VHIS — Assessment / payment timing: Complete individual claims: qualifying Superspeed 1 working day, Express 3; others 4–10. These are decision / progress targets.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

Renewal conditions: Guaranteed renewal is subject to the stated age limit and policy conditions.Public source · Checked: 13 Oct 2026

Room upgrades above covered room level reduce specified confinement/surgical/extended benefits to 30%. Worldwide-plan USA residence of at least 183 days in the last twelve months reduces the specified benefits to 60%.Public source · Checked: 13 Oct 2026