Chubb MyGolden Cancer Protection Plus

The policy and premium-payment terms run to age 85.Public source · Checked: 14 Oct 2026

Sum assured ranges from USD 75,000 to USD 1.5 million.Public source · Checked: 14 Oct 2026

Payment modes are monthly, quarterly, semi-annual or annual.Public source · Checked: 14 Oct 2026

Premiums are non-guaranteed. Age does not affect premiums within each five-year period; age-based adjustment applies at renewal, with annual age adjustments when less than five policy years remain.Public source · Checked: 14 Oct 2026

Premiums are not guaranteed; the insurer reserves the right to revise or adjust them according to its applicable rate at policy anniversaries, subject to policy terms.Public source · Checked: 14 Oct 2026

The initial waiting period is 60 days from the latest applicable issue, endorsement or reinstatement date; accidental bone fracture benefit has no waiting period.Public source · Checked: 14 Oct 2026

Exclusions include self-inflicted injury, war, pre-existing conditions unless declared and accepted, and congenital conditions.Public source · Checked: 14 Oct 2026

Cancellation requires the insurer’s prescribed form.Public source · Checked: 14 Oct 2026

Cancellation requires signed notice within 21 calendar days after policy delivery or the availability notice, whichever is earlier.Public source · Checked: 14 Oct 2026

Insurer claims guide · Critical illness

Critical illness — Steps: Complete the appropriate claim form and supporting documents; eClaim is available via e-Service.Public source · Checked: 13 Oct 2026

Critical illness — Submission channels: e-Service eClaim; the claims page also lists the customer service centre and consultant assistance.Public source · Checked: 13 Oct 2026

Critical illness — Deadlines / notification: Notify promptly after the event and provide documents within 60 days of occurrence, subject to policy provisions.Public source · Checked: 13 Oct 2026

Critical illness — Payment methods: Cheque, Mainland China bank draft or telegraphic transfer; transfer requires SWIFT/bank details and charges may apply.Public source · Checked: 13 Oct 2026

Critical illness — Assessment / payment timing: Clean cases: processing about 10 business days; cheque ready about 3–4 business days after approval, before delivery.Public source · Checked: 13 Oct 2026

Critical illness — Required documents: Living/CI claim form and identification verification; the form asks for diagnosis, condition, treatment and physician information.Public source · Checked: 13 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

The schedule lists 8 major illnesses, including cancer, Alzheimer’s disease and Parkinson’s disease, and 2 minor illnesses: carcinoma-in-situ or Stage Ta of specified organs, and cochlear implant surgery.Public source · Checked: 14 Oct 2026