Super Care Multiple Protection Benefit

Four valid additional major-illness claims pay 100%, 110%, 120% and 130% of the rider sum assured respectively, subject to the claim conditions and deduction of indebtedness.Public source · Checked: 14 Oct 2026

Groups B–E each permit one claim across the basic plan and rider. If a Group A cancer claim has been paid under the basic plan, the rider permits at most two further cancer claims; severe osteoporosis cover ends at age 65.Public source · Checked: 14 Oct 2026

The policy and premium payment terms extend to age 85. Payment mode and HKD/USD currency follow the basic plan; minimum sum assured is HKD117,000 / USD15,000 and the maximum is subject to the basic plan and insurer limits.Public source · Checked: 14 Oct 2026

Premium rates are not guaranteed. The insurer may review and adjust them from time to time with prior written notice; the insured’s age increase alone does not increase rates.Public source · Checked: 14 Oct 2026

The rider’s premium rates are expressly non-guaranteed, although an increase in the insured’s age does not itself increase those rates.Public source · Checked: 14 Oct 2026

A valid additional claim requires survival for at least 14 days after initial diagnosis and at least 1 year between successive initial diagnoses. The specified recurrent-cancer and post-cancer Group B claims additionally require a cancer-free period of at least 5 years after completion of treatment.Public source · Checked: 14 Oct 2026

Examples of exclusions include pre-existing conditions, congenital conditions and illnesses with signs or symptoms within the first 60 days from the latest specified issue, endorsement or reinstatement date. The full list and exceptions apply.Public source · Checked: 14 Oct 2026

The rider can be cancelled on written request using the prescribed form. It also terminates if the basic plan is surrendered or terminated, except the specified qualifying major-illness payment; a basic-plan total and permanent disability claim terminates it.Public source · Checked: 14 Oct 2026

This is a rider that must be attached to the designated basic critical illness plan; its currency and premium payment mode follow that basic 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

The rider lists 62 multiple-protection major illnesses in five groups covering cancer, major organs and functions, heart, nervous system and other major illnesses; the policy definitions apply.Public source · Checked: 14 Oct 2026