MediChamp Insurance Plan

Benefit term: To age 128Public 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. / Standalone plan currency: HKD; rider currencies: HKD or USD.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

The worldwide annual/lifetime limits are HKD40m/HKD140m; worldwide-excluding-USA limits are HKD30m/HKD65m, subject to the benefit schedule.Public source · Checked: 13 Oct 2026

The brochure’s annual-premium tables distinguish age, coverage area and annual-deductible option; the table rates are not guaranteed.Public source · Checked: 13 Oct 2026

Premiums may be reviewed and adjusted at policy-year end with at least thirty days’ written notice before renewal; country-of-residence and occupation changes also have stated notification and repricing rules.Public source · Checked: 13 Oct 2026

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

Accident cover is immediate; illness waits thirty days, listed ENT/other surgeries 120 days, psychiatric inpatient/organ transplant/new-parent benefits twelve months, HIV/AIDS five years. Optional outpatient, dental and maternity benefits have separate waits.Public source · Checked: 13 Oct 2026

Exclusions include undisclosed pre-existing conditions, self-injury, war, specified pregnancy-related services, non-medically-necessary treatment and listed HIV-related causes, subject to stated exceptions.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

After renewal revisions, cancellation on the prescribed form within thirty days of renewal refunds the revised premium already paid without interest.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

Optional outpatient, dental and maternity benefits have separate waiting periods: thirty days (outpatient), 180 days (dental), and twelve months (maternity); outpatient health-check/vaccination waits ninety days.Public source · Checked: 13 Oct 2026

Insurer claims guide · Medical / VHIS

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

Medical / VHIS — 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

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

Medical / VHIS — Required documents: Hospitalisation form, verified owner ID if not on file, original reimbursement receipts, charge breakdown and diagnosis proof.Public source · Checked: 13 Oct 2026

Medical / VHIS — Payment methods: The linked 2024 FAQ describes paying approved pre-authorised expenses to the designated healthcare provider.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