TotalGuard Critical Illness Multiple Protector Insurance Plan Series/Self-selected Plan/Treasured Version

Benefit term: To age 100Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Recorded features: Death benefit is subject to the policy terms. / Guaranteed cash value follows the policy schedule. / Dividends or bonuses may include non-guaranteed amounts.Public source · Checked: 13 Oct 2026

Multiple Critical Illness Benefit allows at most seven claims, combined with the first Critical Illness Benefit for eight in total. The brochure gives separate per-condition caps and waiting rules.Public source · Checked: 13 Oct 2026

Premium payment terms: 10 years / 20 years / 25 yearsPublic source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

The enrollment table lists payment terms of 10, 20 or 25 years, with different application-age requirements. Its minimum sum assured is not a minimum premium.Public source · Checked: 13 Oct 2026

China Life may review and adjust rates on each policy anniversary. The stated claims, surrender, investment and expense experience factors apply; the brochure provides for written notice before changes.Public source · Checked: 13 Oct 2026

Guaranteed / non-guaranteed components: Guaranteed cash value follows the policy schedule.Public source · Checked: 13 Oct 2026

Dividend / bonus types: Dividends or bonuses may include non-guaranteed amounts.Public source · Checked: 13 Oct 2026

Guaranteed cash value follows the policy schedule.Public source · Checked: 13 Oct 2026

Dividends or bonuses may include non-guaranteed amounts.Public source · Checked: 13 Oct 2026

The brochure distinguishes guaranteed cash value from a non-guaranteed terminal dividend. Dividends are not guaranteed and may change.Public source · Checked: 13 Oct 2026

The specified illness exclusion applies within 90 days after the latest issue, effective or reinstatement date, subject to the stated exceptions and variant-specific pregnancy/newborn rules.Public source · Checked: 13 Oct 2026

The specified benefits exclude the listed initial-period illnesses, pre-existing conditions with their stated exceptions, HIV-related conditions, self-inflicted injury or suicide, and drug/alcohol abuse. Exceptions and the complete provisions remain benefit-specific.Public source · Checked: 13 Oct 2026

If the owner disagrees with a notified revision, a written request within 30 days after it takes effect terminates the plan on the premium due date following receipt of that notice.Public source · Checked: 13 Oct 2026

The document states a 21-day cooling-off period; cancellation and refund conditions apply.Public source · Checked: 13 Oct 2026

If no claim has been made, signed written cancellation within 21 calendar days after delivery of the policy or Notice of Policy Issuance, whichever is earlier, refunds premiums and levy paid.Public source · Checked: 13 Oct 2026

Insurer claims guide · Critical illness

Critical illness — Steps: Use the condition-specific claim form and submit through OneService.Public source · Checked: 13 Oct 2026

Critical illness — Required documents: CI form, policy / loss declaration, certified IDs, CRS and diagnostic tests; mainland diagnosis requires medical records.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

For the Self-selected variant, three of six specified illnesses can be chosen: cancer, Parkinson’s disease, multiple sclerosis, stroke, Alzheimer’s disease and cardiomyopathy. Other variant and benefit scopes remain separate.Public source · Checked: 13 Oct 2026