Living Well Benefit

The rider provides critical illness cover, subject to the listed illness-specific limits and policy provisions.Public source · Checked: 14 Oct 2026

Angioplasty, specified carcinoma-in-situ and severe asthma each pay the lower of 20% of rider sum assured or HKD 234,000 / USD 30,000, once per illness; aggregate benefits are capped at 100% of rider sum assured.Public source · Checked: 14 Oct 2026

Premiums are payable to age 100, using the basic plan’s monthly, quarterly, semi-annual or annual payment mode.Public source · Checked: 14 Oct 2026

Premium rates are not guaranteed. The level option adjusts for age from 75 and every five years thereafter; the renewable option adjusts every five years from issue.Public source · Checked: 14 Oct 2026

Annual renewal is guaranteed while premiums are paid; the insurer may revise premium rates and terms at renewal.Public source · Checked: 14 Oct 2026

A 90-day exclusion period applies from the latest applicable policy issue, rider issue, endorsement or policy reinstatement date.Public source · Checked: 14 Oct 2026

Exclusions include pre-existing conditions, self-inflicted injury, military activities and congenital conditions.Public source · Checked: 14 Oct 2026

Cancellation requires the insurer’s prescribed form; the rider also terminates if its attached basic policy ends.Public source · Checked: 14 Oct 2026

This product is a rider and must be attached to a basic plan.Public source · Checked: 14 Oct 2026

Insurer claims guide · Critical illness

Critical illness — Steps: Complete the appropriate claim form and supporting documents; eClaim is available via e-Service.Public source · Checked: 13 Oct 2026

Critical illness — Submission channels: e-Service eClaim; the claims page also lists the customer service centre and consultant assistance.Public source · Checked: 13 Oct 2026

Critical illness — Deadlines / notification: Notify promptly after the event and provide documents within 60 days of occurrence, subject to policy provisions.Public source · Checked: 13 Oct 2026

Critical illness — Payment methods: Cheque, Mainland China bank draft or telegraphic transfer; transfer requires SWIFT/bank details and charges may apply.Public source · Checked: 13 Oct 2026

Critical illness — Assessment / payment timing: Clean cases: processing about 10 business days; cheque ready about 3–4 business days after approval, before delivery.Public source · Checked: 13 Oct 2026

Critical illness — Required documents: Living/CI claim form and identification verification; the form asks for diagnosis, condition, treatment and physician information.Public source · Checked: 13 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

The list includes 46 critical illnesses covered to age 100 and six specified illnesses covered to age 65.Public source · Checked: 14 Oct 2026