Lady's Partner Plan

Optional Pregnancy Cover lists ectopic pregnancy, disseminated intravascular coagulation, stillbirth and rubella, plus the specified congenital anomalies, subject to its definitions.Public source · Checked: 14 Oct 2026

Female Cover Plus cancer pays 100% of its sum assured less previous payments under that cover, with one claim only.Public source · Checked: 14 Oct 2026

Female Cover and Female Cover Plus have 20-year payment terms; Pregnancy Cover payments end after 20 years or at age 45, whichever is earlier.Public source · Checked: 14 Oct 2026

Attained age does not itself increase the premium rate, but rates are not guaranteed and may be adjusted with prior written notice.Public source · Checked: 14 Oct 2026

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

Female Cover and Female Cover Plus have specified 90-day disease exclusions; Pregnancy Cover requires diagnosis or birth more than one year after issue, endorsement or reinstatement (latest), with stated 30-day survival rules.Public source · Checked: 15 Oct 2026

General exclusions include suicide/self-inflicted injury, pre-existing conditions, war, drug/alcohol abuse and HIV- related conditions.Public source · Checked: 15 Oct 2026

Cancellation requires the insurer’s prescribed form, obtainable through its customer service centre or licensed intermediary.Public source · Checked: 15 Oct 2026

This is a rider that must be attached to a basic plan; Female Cover runs up to age 100 and Female Cover Plus up to age 65.Public source · Checked: 14 Oct 2026

Insurer claims guide

Notify in writing within 60 days after first diagnosis or the insured event; submit the prescribed form and requested proof within 180 days of the event, subject to the reasonable-delay exception.Public source · Checked: 15 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