“HealthCare Choice” Critical Illness Protector

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 renewal is subject to the stated age limit and policy conditions. / This product is a critical illness rider, renewed every 3 years.Public source · Checked: 13 Oct 2026

Additional Benign Benefit has a maximum of USD50,000/HKD400,000 per insured, at most two claims per policy and once per organ.Public source · Checked: 13 Oct 2026

Premium payment terms: 3 years / Renewable every 3 years; this is a rider.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Premiums adjust every three years by attained age. Rates are not guaranteed and may be reviewed and revised; written notice is issued at least 30 days before premium renewal.Public source · Checked: 13 Oct 2026

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

The illness exclusion includes signs or symptoms first occurring within 60 days after policy issue. Death benefits are excepted as specified in the brochure.Public source · Checked: 13 Oct 2026

The listed illness exclusions include HIV-related illness (with the specified covered-condition exceptions), drug or alcohol abuse, and self-inflicted injury. Benefit-specific exceptions and the full policy list apply.Public source · Checked: 13 Oct 2026

A written rejection of a premium adjustment automatically terminates the basic plan on the next premium due date, with the same effect as surrender and loss of all protection.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

Insurer claims guide · Critical illness

Critical illness — Steps: Complete claimant / doctor sections, attach evidence, submit in person / via planner.Public source · Checked: 13 Oct 2026

Critical illness — Submission channels: In person / planner; review requests: ctflife.csc@ctflife.com.hk or post to Claims Department, 7/F NEO.Public source · Checked: 13 Oct 2026

Critical illness — Assessment / payment timing: Result / progress usually within 10 working days; review replies 10–15, subject to evidence / complexity.Public source · Checked: 13 Oct 2026

Critical illness — Required documents: Living Protector form, verified owner / insured IDs if not on file; disease-specific medical evidence may be requested.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

The covered-condition table includes cancer, severe stroke and severe heart attack, grouped by severity. Each listed condition remains subject to the policy definition and its specified age limits.Public source · Checked: 13 Oct 2026