Living Well Plus Benefit (Non-HK Residents)

The rider covers 43 critical illnesses and pays up to 100% of rider sum assured under its conditions, with general expiry at age 85. Six specified illnesses have an earlier expiry.Public source · Checked: 14 Oct 2026

For angioplasty, specified carcinoma-in-situ and severe asthma, payment is the lower of 20% of sum assured and HKD234,000/USD30,000 per rider, once for each condition. Total critical illness benefits cannot exceed 100% of rider sum assured.Public source · Checked: 14 Oct 2026

Premiums are payable to age 85, using the basic plan payment mode: monthly, quarterly, semi-annually or annually.Public source · Checked: 14 Oct 2026

The level-rate option does not increase for age before 75, then adjusts at 75 and every 5 years thereafter. The renewable-rate option adjusts every 5 years. Rates are not guaranteed and may also be reviewed with prior written notice.Public source · Checked: 14 Oct 2026

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

No critical illness payment is made for illness or its cause, signs or symptoms existing within the first 90 days after the latest applicable basic-policy issue, rider issue, endorsement or reinstatement date.Public source · Checked: 14 Oct 2026

Critical illness payment additionally requires the insured to remain alive for 14 days after diagnosis.Public source · Checked: 14 Oct 2026

Examples include attempted suicide or intentional self-injury, military activities, pre-existing conditions, congenital conditions, and drugs or alcohol. The brochure states exceptions for specified medically acquired HIV/AIDS and specified carcinoma-in-situ.Public source · Checked: 14 Oct 2026

Written cancellation uses the insurer-prescribed form. Termination of the attached basic policy also terminates this rider.Public source · Checked: 14 Oct 2026

This is a rider that must be attached to an insurer basic plan and follows that basic plan payment mode and currency.Public source · Checked: 14 Oct 2026

Insurer claims guide · Critical illness

Notify a critical illness claim in writing within 60 days after diagnosis and provide proof within 180 days. Late notice has the stated reasonable-impossibility exception. Use the insurer-prescribed form and provide required documents and medical evidence at the claimant expense.Public source · Checked: 14 Oct 2026

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

37 listed illnesses have cover to age 85; six listed illnesses have cover to age 65. Policy definitions and specific payment conditions apply.Public source · Checked: 14 Oct 2026