Silver Hospital & Surgical Cash Benefit

The rider pays lump-sum surgical cash for covered intermediate-or-higher surgery and daily hospital cash for medically necessary confinement.Public source · Checked: 15 Oct 2026

Surgery claims are limited to two per rider year; daily hospital cash is up to USD100 for 60 days per confinement. Multiple surgeries during one confinement/treatment pay only the more severe surgery once.Public source · Checked: 15 Oct 2026Public source · Checked: 15 Oct 2026

Premium payment is annual or monthly and follows the Silver Life basic plan; currency is USD.Public source · Checked: 15 Oct 2026

Premium rates are not guaranteed and may be revised at a rider anniversary with prior written notice.Public source · Checked: 15 Oct 2026Public source · Checked: 15 Oct 2026

Renewal to age 85 is not guaranteed; the insurer may decline renewal at the next rider anniversary by prior written notice.Public source · Checked: 15 Oct 2026Public source · Checked: 15 Oct 2026

The waiting period is 90 days from rider issue, last rider reinstatement, last policy reinstatement or subsequent endorsement, whichever is latest.Public source · Checked: 15 Oct 2026

Exclusions include pre-existing/congenital conditions, pregnancy, hazardous sports and skin surgery except listed exceptions; mainland hospitals below Class 3A and unapproved hospitals elsewhere are excluded.Public source · Checked: 15 Oct 2026

Cancel using the insurer’s prescribed form; no part of the rider premium is refunded on termination during a policy year, whether or not a claim was made.Public source · Checked: 15 Oct 2026

The brochure states that a proportionate premium levy is refunded when premiums are refunded, including cancellation during the cooling-off period. It does not specify the cooling-off deadline or application procedure in this statement.Public source · Checked: 15 Oct 2026

Silver Hospital & Surgical Cash Benefit is a rider attachable to Silver Life Insurance Plan only.Public source · Checked: 15 Oct 2026

Insurer claims guide

Notify in writing within 60 days after discharge or surgery/treatment; submit the completed form, proof and original documents/receipts within 180 days of that trigger, subject to the reasonable-delay exception.Public source · Checked: 15 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