Super Care Critical Illness Protector

Major illness benefit is 100% of sum assured for a covered diagnosis, reduced by earlier early-stage and special illness payouts; the basic plan terminates after a major illness claim.Public source · Checked: 14 Oct 2026

Early-stage and special illness benefits allow at most three claims, with at most two each for Groups 1 and 2 and one each for Groups 3 and 4; each group is capped at HK$240,000 / US$30,000 per insured across the insurer’s basic-plan policies.Public source · Checked: 14 Oct 2026

Payment terms are 12, 18 or 22 years, with monthly, quarterly, semi-annual or annual payment.Public source · Checked: 14 Oct 2026

Premium rates are not guaranteed; age increases alone do not raise them, but the insurer may review and adjust rates with prior written notice.Public source · Checked: 14 Oct 2026

Cash value is guaranteed; terminal dividend payable after at least five years in force is non-guaranteed and does not form a permanent addition to policy value.Public source · Checked: 14 Oct 2026

Illness, its cause, signs or symptoms existing within 60 days of the latest issue, endorsement or reinstatement date is excluded from major, additional and early-stage/special illness benefits.Public source · Checked: 14 Oct 2026

Illness exclusions include self-inflicted injury, military activities, pre-existing and congenital conditions, and influence of drugs, alcohol or narcotics; the brochure also specifies HIV-related exceptions.Public source · Checked: 14 Oct 2026

Surrender requires the insurer’s prescribed form, obtainable from the licensed intermediary or Customer Service Center at +852 2894 9833.Public source · Checked: 14 Oct 2026

Submit a signed cancellation notice and return the policy document, if any, within 21 calendar days after policy delivery or its availability notice, whichever is earlier; a non-working final day extends to the next working day.Public source · Checked: 14 Oct 2026

Accident, critical illness, disability and medical riders require underwriting and extra premiums; eligible riders may continue after a major illness claim with continued premium payment, subject to the stated exceptions.Public source · Checked: 14 Oct 2026

Insurer claims guide · Critical illness

Illness claims require written notice within 60 days after initial diagnosis and proof within 180 days of initial diagnosis, using the prescribed form and supporting medical evidence; death claims follow separate provisions.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 lists 65 major illnesses and 17 early-stage and special illnesses; some conditions have earlier age limits than the overall age-100 term.Public source · Checked: 14 Oct 2026