Super Care Early Stage Illness Benefit

An early-stage illness pays 100% of rider sum assured at most once per covered condition; all benefits paid or payable together cannot exceed 100% of rider sum assured, and reaching that total terminates the rider.Public source · Checked: 14 Oct 2026

Specified carcinoma-in-situ, early-stage malignancy, cardiac defibrillator insertion and cardiac pacemaker insertion each have a HKD240,000/USD30,000 aggregate cap across this insured relevant riders.Public source · Checked: 14 Oct 2026

Basic-option premiums run to age 85 and enhanced-option premiums to age 100. Payment follows the attached basic plan, with monthly, quarterly, semi-annual or annual modes.Public source · Checked: 14 Oct 2026

Level-rate options do not increase because of age alone; renewable-rate options adjust every 5 years. Both have non-guaranteed rates, and the insurer can review rates with prior written notice.Public source · Checked: 14 Oct 2026

Only the specified renewable-rate plan codes renew automatically every 5 years without evidence of insurability while premiums are paid; rates may change at renewal.Public source · Checked: 14 Oct 2026

Illnesses, causes, signs or symptoms existing within 60 days after the latest applicable basic-policy issue, rider issue, endorsement or reinstatement date are excluded. The basic option additionally has a 14-day survival requirement after initial diagnosis.Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026

Examples include attempted suicide or self-injury, military activities, pre-existing and congenital conditions, drugs or alcohol, and AIDS subject to the stated medically acquired exceptions. Enhanced-option suicide within the specified 2-year period ends coverage under the stated refund terms.Public source · Checked: 14 Oct 2026

Cancellation uses the insurer-prescribed form. The rider also ends when the attached policy is surrendered, lapses, expires or is otherwise terminated.Public source · Checked: 14 Oct 2026

This rider must attach to the specified critical illness basic plan identified in the checked brochure; this document is the non-limited-payment edition.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

The brochure identifies 55 early-stage illnesses and 65 major illnesses; definitions and medical-necessity requirements apply.Public source · Checked: 14 Oct 2026