Silver Cancer Protector

The brochure describes this rider as medical protection on a reimbursement basis.Public source · Checked: 14 Oct 2026

Plan 1 and Plan 2 have per-covered-cancer limits of USD65,000 and USD130,000 respectively and lifetime limits of USD200,000 and USD400,000; the schedule’s benefit-specific limits and eligible-expense conditions apply.Public source · Checked: 14 Oct 2026

Premiums are paid annually or monthly following the basic plan, with the payment term to age 100.Public source · Checked: 14 Oct 2026

Rider premiums are non-guaranteed and may be revised at each rider anniversary under the applicable rate.Public source · Checked: 14 Oct 2026

Renewal is guaranteed to age 100, subject to the rider provisions.Public source · Checked: 14 Oct 2026

Annual renewal without evidence of insurability runs to the benefit expiry date, subject to timely premium payment, rider terms and the insurer still offering this rider at renewal.Public source · Checked: 14 Oct 2026

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

Examples of exclusions include cancer existing before the latest specified issue or reinstatement date, a pre-existing condition causing cancer, and treatment that is not medically necessary. Mainland hospital treatment below Class 3A and overseas hospitals not approved by the insurer are excluded.Public source · Checked: 14 Oct 2026

Cancellation uses the prescribed form. If the rider terminates during a policy year, no part of that year’s rider premium is refunded, whether or not a claim was made.Public source · Checked: 14 Oct 2026

This rider can be attached only to Silver Life Insurance 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

Covered cancer means cancer and/or carcinoma-in-situ as defined. Cancer requires histological evidence of malignancy; carcinoma-in-situ requires a histopathological biopsy report and specialist confirmation, with specific cervical and prostate grading requirements.Public source · Checked: 14 Oct 2026