GBA Medical Outpatient Plan

The plan provides network general-practitioner consultations in Hong Kong, Macau and designated GBA cities, and online consultations in Hong Kong and Mainland China, subject to service conditions.Public source · Checked: 14 Oct 2026

Plan 1 / 2 / 3 allows 8 / 12 / 20 general-practitioner visits per policy year, shared by the insured and up to two designated family members, with at most one visit daily.Public source · Checked: 14 Oct 2026

The dated schedule lists annual premiums of HKD1,868 / 2,668 / 4,088 for Plan 1 / 2 / 3, excluding levy.Public source · Checked: 14 Oct 2026

The insurer may revise rates, benefits and terms with written notice 30 days before policy-year end or renewal.Public source · Checked: 14 Oct 2026

Renewal is not guaranteed; yearly renewal is available before the policy anniversary on or following the insured's 80th birthday, subject to terms.Public source · Checked: 14 Oct 2026

No waiting period is required.Public source · Checked: 14 Oct 2026

Exclusions include cosmetic treatment, hereditary/congenital conditions and pregnancy-related treatment; this is a partial list.Public source · Checked: 14 Oct 2026

Cancellation requires the prescribed form; coverage also terminates on service termination, death, expiry or the effective date of non-renewal notice, among other stated events.Public source · Checked: 14 Oct 2026

The 21-calendar-day cooling-off right is forfeited immediately if the insured or designated family member uses any covered third-party service during that period; no premium or levy is then refunded.Public source · Checked: 14 Oct 2026

Insurer claims guide

For life insurance proceeds, submit a claim form and proof of death, claim evidence and beneficiary/payee identity within 180 days after death.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