Embrace Care Critical Illness Protector

Major illness benefit pays 100% of the sum assured less minor illness and protection-sharing benefits paid or payable, subject to policy terms.Public source · Checked: 14 Oct 2026

Minor illness and protection-sharing benefits have a combined maximum of 90% of the sum assured. Multiple protection covers up to 4 additional claims for cancer, heart attack or stroke, subject to terms.Public source · Checked: 14 Oct 2026

Premium payment terms are 10, 20 or 25 years, with monthly, quarterly, semi-annual or annual payments.Public source · Checked: 14 Oct 2026

Premium rates are not guaranteed; the insurer may review and adjust them with prior written notice to the policyowner.Public source · Checked: 14 Oct 2026

The plan has guaranteed cash value and a non-guaranteed terminal dividend available after it has been in force for 5 years, subject to benefit and policy terms.Public source · Checked: 14 Oct 2026

For additional cancer, heart attack or stroke claims, diagnosis dates must be at least 1 year apart; recurrence, metastasis or continuation of the preceding cancer requires at least 3 years between the preceding and current cancer claims.Public source · Checked: 14 Oct 2026

Examples of illness exclusions include intentional self-inflicted injury and pre-existing conditions unless declared before issue and accepted for cover. The policy lists further exclusions and exceptions.Public source · Checked: 14 Oct 2026

Surrender value equals guaranteed cash value plus terminal dividend, if any, less outstanding premiums and loans with accrued interest. Early surrender value may be below premiums paid.Public source · Checked: 14 Oct 2026

Cancellation requires signed notice and return of the policy document, if any, within 21 calendar days after policy delivery or the availability notice, whichever is earlier; if the last day is not a working day, the next working day is included.Public source · Checked: 14 Oct 2026

Optional accident, disability and medical riders may be attached. After a major illness claim, attached riders can continue with their premiums paid, except the premium-waiver and child-protection benefits, subject to their termination dates.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 plan covers 134 illnesses: 56 early-stage illnesses, 5 special illnesses, 8 juvenile illnesses and 65 major illnesses. Definitions and age limits vary by condition.Public source · Checked: 14 Oct 2026