Hospital & Surgical Benefit (Non-HK Resident)

For the optional Top-Up Benefit, hospitalization in the insured's country of origin or usual residence is excluded.Public source · Checked: 14 Oct 2026

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

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

Annual renewal is guaranteed without evidence of insurability while premiums are paid, but rates, the benefit schedule and terms may change at renewal.Public source · Checked: 14 Oct 2026

The general waiting period is 30 days; tonsil, adenoid, hernia and female generative-organ diseases require 120 days, from the latest applicable issue, endorsement or reinstatement date. Emergency treatment hospitalization resulting from accident is exempt.Public source · Checked: 14 Oct 2026

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

Cancellation uses the prescribed form; the rider also ends on death, the policy anniversary at age 100 or relevant basic-plan termination.Public source · Checked: 14 Oct 2026

This product is a rider that must be attached to a basic plan; its benefit and premium payment terms run up to age 100.Public source · Checked: 14 Oct 2026

Insurer claims guide

Give written notice within 20 days of admission, subject to the stated reasonable-delay exception, and submit original proof, receipts and a completed claim 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