昇護醫療保障計劃
Last checked
At a glance
- Insurer
- China Taiping Life Insurance (Hong Kong) Company Limited
- Product category
- High-end medical
- Policy currencies
- HKD / USD
- Premium payment terms
- Renewable / Guaranteed annual renewal to age 100; premiums are not guaranteed.
- Issue ages & basis
Issue ages & basis (1)
Issue ages & basis Recorded information Premium payment terms / Age basis 15 days to 70 years
Age basis: Age last birthday
- Three plan levels with different geographical cover
- Four deductible options per policy currency
- Guaranteed annual renewal to age 100; premiums are not guaranteed
Decision sheet
11 of 12 known · 1 not published
- What it pays and when
Benefit term: To age 100Public source · Checked:
Recorded features: Three plan levels with different geographical cover / Four deductible options per policy currency / Guaranteed annual renewal to age 100; premiums are not guaranteedPublic source · Checked:
- Benefit limits
Worldwide lifetime limit: HKD60 million / USD7.5 million. Annual limits and deductibles also apply.Public source · Checked:
- Premium and payment term
Premium payment terms: Renewable / Guaranteed annual renewal to age 100; premiums are not guaranteed.Public source · Checked:
- How premiums can change
Renewal premiums use current rates for sex and attained age. Rates can be revised by risk class, not individually; written notice at least 30 days before the policy anniversary. Claims experience, medical inflation and benefit changes are among the factors.Public source · Checked: Public source · Checked:
- Guaranteed / non-guaranteed
Guaranteed annual renewal to age 100; premiums are not guaranteedPublic source · Checked:
- Waiting periods
Illness: 30 days; pregnancy complications: one policy year; tonsils, adenoids, hernia or female reproductive organ conditions: 120 days; HIV/AIDS treatment: five policy years.Public source · Checked:
- Main exclusions
Examples: pre-existing conditions, self-harm, non-medically necessary or experimental treatment. Pregnancy and psychiatric exclusions have exceptions for specified covered benefits; see the full list.Public source · Checked:
- Surrender / cancellation
Premiums are not refunded on termination or surrender outside the cooling-off period.Public source · Checked:
- Cooling-off
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:
- Riders
Available as a basic plan or rider.Public source · Checked:
- Claims steps
Insurer claims guide · Medical / VHIS
Notify the insurer in writing promptly, within 30 days of the insured event. Obtain the claim form from its website, hotline or customer service centre.Public source · Checked:
Medical / VHIS — Steps: Insured / claimant completes Part I, obtains doctor’s Part II and submits the checklist evidence.Public source · Checked:
Medical / VHIS — Required documents: Original Part I, doctor’s Part II, receipts and medical evidence in Section 7; ID copies if not previously submitted.Public source · Checked:
Medical / VHIS — Payment methods: Registered e-Bankin; FPS (owner HK account, HKD100,000/policy/day); cheque. Approved cashless surgery: centre paid.Public source · Checked: Public source · Checked:
Medical / VHIS — Deadlines / notification: Submit all claim documents within 90 days of discharge / treatment.Public source · Checked:
Medical / VHIS — Submission channels: Intermediary or post to Claims, Customer Service Centre, 7/F China Taiping Tower Phase I, 8 Sunning Road, Causeway Bay.Public source · Checked:
- Deductibles / room / renewal
- not published
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 (4)
Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.
- What deductibles, room limits and renewal terms 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.
- High-end medical
- HKD
- USD
- Premium term band: Renewable
- Issue-age band: Children (0–17)
- Issue-age band: Adults (18–64)
- Issue-age band: Older adults (65+)
- China Taiping
Matching goals and segments (by product type)
Comparison groups
Comparison groups
All published facts
All published facts
| Field | Recorded information | ||||
|---|---|---|---|---|---|
| Product category | High-end medical | ||||
| Policy currencies | HKD / USD | ||||
| Premium payment terms | Renewable / Guaranteed annual renewal to age 100; premiums are not guaranteed. | ||||
| Benefit term | To age 100 | ||||
| Issue ages & basis |
| ||||
| Recorded features | Three plan levels with different geographical cover Four deductible options per policy currency Guaranteed annual renewal to age 100; premiums are not guaranteed | ||||
| Sales status | On sale (at source date) |
Names in other languages
- English
- Not confirmed
- 繁體中文
- 昇護醫療保障計劃
- 简体中文
- Not confirmed
Verified names follow insurer labels. Unconfirmed translations use English for navigation.
Sources & verification dates
Sources & verification dates
- Individual catalogue: published name and listed sale status; null fields not confirmed
Source date: Not confirmed
Checked: - Official public product brochure: confirmed facts only
Source date: Not confirmed / Page: 2
Checked: - Official public brochure: insurer-published Traditional Chinese product name
Source date: Not confirmed / Page: 1
Checked: - Official public brochure: confirmed product facts (physical PDF page)
Source date: Not confirmed / Page: 4
Checked: