Serene Care Critical Illness Protector

Major illness benefit pays 100% of the sum assured less minor illness benefits paid or payable, plus any protection revival benefit and surplus premium, less indebtedness. The major illness benefit is payable once and the policy then terminates.Public source · Checked: 14 Oct 2026

Aggregate minor illness benefits are capped at 90% of the sum assured. The specified carcinoma-in-situ and coronary angioplasty benefits each have a USD50,000 aggregate cap across this plan’s policies for the same insured, with separate repeat-claim conditions.Public source · Checked: 14 Oct 2026

Limited payment terms are 8, 12, 18 or 22 years, or yearly renewable to age 100. Payments can be monthly, quarterly, semi-annual or annual in USD; a fixed policy fee is collected with premiums.Public source · Checked: 14 Oct 2026

Premium rates may be reviewed and adjusted based on investment returns, claims, surrenders and expenses, with prior written notice of any adjustment.Public source · Checked: 14 Oct 2026

Premiums are not guaranteed for either limited-payment or yearly-renewable options. Yearly renewal without evidence of insurability is conditional on the policy remaining in force, timely premium payment and the insurer still offers the plan at renewal.Public source · Checked: 14 Oct 2026

The waiting period is the first 60 days from policy issue, last reinstatement or any subsequent endorsement, whichever is latest.Public source · Checked: 14 Oct 2026

Examples of illness exclusions include attempted suicide or intentional self-inflicted injury, pre- existing conditions unless declared and accepted, and conditions whose signs or symptoms arise within the waiting period. The full exclusion list and exceptions apply.Public source · Checked: 14 Oct 2026

The policy terminates when the insurer receives the written cancellation request; the prescribed cancellation form is available from the intermediary or customer service. Early premium cessation can end cover and result in loss of premiums paid.Public source · Checked: 14 Oct 2026

Cancellation requires signed notice and return of the policy document, if any, within 21 calendar days after policy delivery or the availability notice, whichever is earlier; the next working day applies if the final day is not a working day. Refunds are subject to benefits already paid and currency conditions.Public source · Checked: 14 Oct 2026

Insurer claims guide · Critical illness

Illness claims require written notice within 60 days of initial diagnosis and the completed claim form with relevant proof within 180 days, subject to the specified late-submission exception.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

The brochure covers 144 illnesses: 65 major illnesses, 61 minor illnesses and 16 juvenile illnesses, plus the specified intensive-care conditions. Definitions, coverage ages and qualifying ICU requirements apply.Public source · Checked: 14 Oct 2026