Hospital Cash Benefit

Daily cash is payable for covered accident or illness hospitalization, up to 1,000 days; intensive-care cash is doubled for at most 20 days per confinement.Public source · Checked: 14 Oct 2026

Daily cash is at least HKD300 / USD35 and at most the lower of HKD1,560 / USD200 or one-twentieth of monthly income.Public source · Checked: 14 Oct 2026

Payments follow the basic plan monthly, quarterly, semi-annually or annually, with a premium payment term up to age 70.Public source · Checked: 14 Oct 2026

Premiums adjust every five years at the applicable rate, generally increasing with age; rates are not guaranteed.Public source · Checked: 14 Oct 2026

Renewal every five years is guaranteed without evidence of insurability while premiums are paid; the insurer may revise renewal premium rates.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 the latest applicable policy/rider issue, endorsement or reinstatement date; accident hospitalization is exempt.Public source · Checked: 14 Oct 2026

Exclusions include pre-existing conditions, congenital conditions manifested or diagnosed before age 12, pregnancy and HIV/AIDS; this is a partial list.Public source · Checked: 14 Oct 2026

The rider may be cancelled using the prescribed form and terminates on the policy anniversary at age 70, death or relevant basic-plan termination.Public source · Checked: 14 Oct 2026

This is a rider that must be attached to a basic plan, with coverage and premium payment up to age 70.Public source · Checked: 14 Oct 2026

Insurer claims guide

Give written notice within 20 days of hospital admission, subject to the stated reasonable-delay exception, and submit original proof, receipts and a completed form within 30 days after discharge.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