Select Top-Up Medical Plan

The plan reimburses up to 90% of eligible expenses above the higher of the deductible or reimbursement from other insurance, subject to annual and lifetime limits.Public source · Checked: 14 Oct 2026

Class I / II / III-2 / III-1 annual limits are HKD1.1m / 550,000 / 180,000 / 180,000; the stated lifetime limits aggregate benefits after the age-75 policy anniversary.Public source · Checked: 14 Oct 2026

Premium payment runs up to age 100, with monthly, quarterly, semi-annual or annual modes; a rider follows its basic plan's mode.Public source · Checked: 14 Oct 2026

The insurer may review rates based on expected and actual claims experience and gives prior written notice of adjustments.Public source · Checked: 14 Oct 2026

For insureds accepted at standard risk, after at least three years in force, the guaranteed conversion right may be exercised within 31 days after the policy anniversary at age 50, 55, 60 or 65, subject to its conditions.Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026

The waiting period is 30 days, extended to 120 days for tonsils, adenoid, hernia or female-generative-organ diseases; accident hospitalisation has no waiting period. A basic plan counts from the later issue or reinstatement date; a rider counts from the latest base-policy issue, rider issue or base-policy reinstatement date. Basic-plan suicide has a separate two-year clause.Public source · Checked: 15 Oct 2026

Listed exclusions include pre-existing conditions, manifested congenital conditions and pregnancy-related treatment; this is a partial list.Public source · Checked: 14 Oct 2026

Cancellation uses the prescribed form; death, age-100 expiry, conversion or reaching the lifetime limit also ends coverage. A rider also ends on the stated basic-policy changes or termination.Public source · Checked: 14 Oct 2026

Submit a signed cancellation notice and return the policy document, if any, within 21 calendar days after the earlier delivery of the policy or cooling-off notice; a non-working last day extends to the next working day. Refund is premiums without interest less prior policy payments, subject to the stated currency cap. Cooling-off does not apply to this rider when attached after the base policy was issued.Public source · Checked: 15 Oct 2026

The product can be purchased as a basic plan or a rider.Public source · Checked: 14 Oct 2026

Insurer claims guide

Submit original documents, receipts and a completed claim form within 30 days after leaving hospital; for confinement longer than 30 days, submit claims monthly.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