摯全護危疾加倍保險計劃 - 摯愛寶保

Benefit term: Whole life / Individual diseases have age limits.Public source · Checked: 12 Oct 2026

Recorded features: Whole-life critical illness cover / Multiple claims for cancer, stroke and heart disease, subject to conditions / Cancer recovery supportPublic source · Checked: 12 Oct 2026

Premium payment terms: 10 years / 18 years / 25 yearsPublic source · Checked: 12 Oct 2026

Premium rates may change for specified risk classes, not individual customers. Claims, investment and renewal experience, future medical changes and benefit revisions may affect rates; written notice at least 30 days before the policy anniversary.Public source · Checked: 12 Oct 2026

Critical illness diagnosed, or relevant symptoms arising, within 90 days of the latest issue, effective or reinstatement date is excluded. Exception: accident-caused critical illness diagnosed within 90 days of the accident.Public source · Checked: 12 Oct 2026

Examples for critical illness benefits: pre-existing conditions, deliberate self-harm, alcohol/drug causes, and HIV/AIDS except specified transfusion or occupational infection. Separate exclusions apply to premium waiver; see the full list.Public source · Checked: 12 Oct 2026

Written termination is available. Early surrender proceeds may be less than premiums paid.Public source · Checked: 12 Oct 2026

Cancel in writing within 21 calendar days after delivery of the policy or cooling-off notice to you or your representative, whichever is earlier. Premiums and levy are refunded, subject to market value adjustment if applicable; no refund after a claim.Public source · Checked: 12 Oct 2026

Notify the insurer in writing promptly, within 60 days of the insured event. Obtain the claim form from its website, hotline or customer service centre.Public source · Checked: 12 Oct 2026