Chubb Assured Medical Series

Eligible hospital, surgical, diagnostic and pre/post-hospital or day-surgery consultation expenses are reimbursed, subject to the applicable limits.Public source · Checked: 14 Oct 2026

Plan 1 / 2 / 3 lifetime limits are HKD60m / 45m / 30m and annual limits HKD20m / 15m / 10m; annual deductible options are HKD0 / 25,000 / 50,000.Public source · Checked: 14 Oct 2026

Premiums are payable monthly, quarterly, semi-annually or annually, from inception up to age 128.Public source · Checked: 14 Oct 2026

Rates are not guaranteed; premiums adjust each policy year using the applicable rate, generally increasing with age, with prior written notice of rate changes.Public source · Checked: 14 Oct 2026

Annual renewal is guaranteed while premiums are paid and the plan remains available from the insurer; rates, benefits and terms may be revised at renewal.Public source · Checked: 14 Oct 2026

Specified benefits have a 30-day waiting period from issue or last reinstatement, whichever is later; tonsil, adenoid, hernia and female generative-organ diseases have 120 days. Other benefit-specific conditions also apply.Public source · Checked: 14 Oct 2026

Except for death benefits, exclusions include pre-existing and congenital conditions and pregnancy-related treatment; this is a partial list.Public source · Checked: 14 Oct 2026

Cancellation uses the prescribed form; reaching the lifetime limit, benefit expiry, death or lapse also ends coverage.Public source · Checked: 14 Oct 2026

Cancel by signed notice and return the policy if any within 21 calendar days after policy delivery or availability notice, whichever is earlier; a non-working final day extends to the next working day. Refund is subject to deductions and currency conditions.Public source · Checked: 14 Oct 2026

Insurer claims guide

For non-death claims, give written notice within 30 days after admission or day surgery, subject to the stated reasonable-delay exception; submit original proof and receipts within 30 days after discharge or day surgery. Confinements over 30 days require monthly claims.Public source · Checked: 14 Oct 2026

Notify any country-of-residence change in writing as soon as practicable and within one month; the insurer may adjust premium at the next policy anniversary. This is a residence-notification condition.Public source · Checked: 14 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 13 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