“Protect Starter” Critical Illness Insurance Plan

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

The third-party worldwide emergency assistance service has a maximum benefit of USD1,000,000 per incident. This is a service limit, not the critical-illness cash benefit.Public source · Checked: 13 Oct 2026

Premium payment terms: 15 years / 20 years / 25 years / 30 yearsPublic source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Premiums do not change solely with attained age, but rates are not guaranteed. The insurer may review and adjust rates and gives at least 30 days’ written notice before a new rate takes effect.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 illness exclusion includes signs or symptoms first occurring within 60 days after the later of policy effectiveness or reinstatement. 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

Early surrender may return less than the premiums paid.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 tables include cancer, severe stroke and severe heart attack, with distinct severity levels and age restrictions. Policy definitions determine eligibility.Public source · Checked: 13 Oct 2026