HealthProtector Hospital & Surgical Plan

The schedule covers hospital, surgical and physician expenses, subject to the selected Supreme, Deluxe or Standard plan limits.Public source · Checked: 14 Oct 2026

Overall limits per disability are HKD1,283,000 / 684,900 / 369,680 for Supreme / Deluxe / Standard; from age 75 the annual limits are HKD650,000 / 300,000 / 150,000.Public source · Checked: 14 Oct 2026

Premiums are payable monthly, quarterly, semi-annually or annually, with the payment term up to age 100.Public source · Checked: 14 Oct 2026

Premiums adjust annually using the applicable attained-age rate; premium rates are not guaranteed and may be reviewed with prior written notice.Public source · Checked: 14 Oct 2026

Annual renewal is guaranteed while premiums are paid, but premium rates, the benefit schedule and terms may be revised at renewal.Public source · Checked: 14 Oct 2026

The waiting period is 30 days, or 120 days for tonsil, adenoid, hernia and female generative-organ diseases, from issue or reinstatement, whichever is later; accident hospitalization has no waiting period.Public source · Checked: 14 Oct 2026

Listed exclusions include pre-existing conditions, manifested congenital conditions, pregnancy-related treatment and non-medically-necessary treatment; this is a partial list.Public source · Checked: 14 Oct 2026

Cancellation requires the prescribed form; coverage also ends on lapse, death or the policy anniversary at age 100.Public source · Checked: 14 Oct 2026

Insurer claims guide

Submit original documents, receipts and a completed claim form within 30 days after leaving hospital; for confinement longer than 30 days, submit claims monthly.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