VCare Cancer Protector

The plan reimburses scheduled eligible cancer diagnostic, hospital, surgery, outpatient, reconstructive and monitoring expenses, subject to the per-cancer and lifetime limits. It also has one-year premium waiver after a validated cancer claim and scheduled cash and compassionate death benefits.Public source · Checked: 14 Oct 2026

Plan 1 has per-covered-cancer and lifetime limits of HKD500,000 and HKD1,500,000; Plan 2 has HKD1,500,000 and HKD4,500,000 respectively. Benefit-specific sublimits and conditions apply.Public source · Checked: 14 Oct 2026

Premium payment runs to age 100, with monthly, quarterly, semi-annual or annual payment. Premiums adjust by attained age at renewal and the table rates are not guaranteed.Public source · Checked: 14 Oct 2026

The insurer may review premiums for groups with similar risk profiles and gives at least 30 days written notice before the policy anniversary.Public source · Checked: 14 Oct 2026

Annual renewal is guaranteed to age 100 regardless of health or claims history while premiums are paid. Premiums, benefit schedule and terms may be determined at renewal.Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026

Cancer diagnosis or signs and symptoms triggering covered cancer in the first 90 days after the latest issue, reinstatement or subsequent endorsement date are excluded.Public source · Checked: 14 Oct 2026

Examples include cancer present before the latest applicable issue, reinstatement or endorsement date, a pre- existing condition causing covered cancer, and treatment that is not medically necessary. The full exclusions and benefit exceptions apply.Public source · Checked: 14 Oct 2026

Written cancellation uses the insurer-prescribed form. If issued as a rider, termination of the attached policy also ends the rider.Public source · Checked: 14 Oct 2026

Cooling-off is 21 calendar days after policy delivery or availability notice, whichever is earlier; a non- working last day extends to the next working day. Refund requires no claims. Cooling-off does not apply to a rider attached after policy issuance.Public source · Checked: 14 Oct 2026

The product can be a basic plan or rider. When issued as a rider, it must attach to an insurer basic plan. The policy has no cash or loan value.Public source · Checked: 14 Oct 2026

Insurer claims guide · Critical illness

Except for compassionate death benefit, notify a cancer claim in writing within 30 days after first diagnosis. Where applicable, provide medically necessary expense proof within 30 days of the expense; the prescribed form and required documents apply, with the stated late-notice exception.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

Covered cancer includes cancer and carcinoma-in-situ under the definitions. Cancer requires histological evidence of malignancy; carcinoma-in-situ requires a histopathological biopsy report and specialist confirmation, with specified cervical and prostate grading requirements.Public source · Checked: 14 Oct 2026