Personal Protector Insurance Plan

Accidental death pays 100% of its scheduled benefit amount. Permanent disablement pays the percentage specified for the relevant loss; the injury and outcome must satisfy the policy conditions.Public source · Checked: 14 Oct 2026

Across multiple policies issued by this insurer, accidental death and permanent disablement cover is capped at HKD5,000,000 in aggregate for any one individual life, with each policy sharing the loss proportionally.Public source · Checked: 14 Oct 2026

Premiums are payable in advance in Hong Kong dollars on each due date. The scheduled premium and levy are charged to the nominated bank or credit-card account.Public source · Checked: 14 Oct 2026

At renewal the insurer may change premium, benefits, benefit amounts or exclusions, with 30 days written notice; renewal does not take effect if the amendments are not accepted.Public source · Checked: 14 Oct 2026

Renewal is at the insurer’s sole and absolute discretion; the renewal clause permits changes to terms and premiums on notice, rather than promising unchanged cover.Public source · Checked: 14 Oct 2026

Temporary disablement compensation requires the insured to be entirely prevented from their usual occupation for more than 7 consecutive days; the benefit is calculated for complete 7-day periods, subject to the income and schedule limits.Public source · Checked: 14 Oct 2026

Examples of exclusions include intentional self-inflicted injury or suicide and bodily injury caused by pre-existing conditions; further exclusions and exceptions apply.Public source · Checked: 14 Oct 2026

Policyholder cancellation requires written notice; the insurer retains the short-period rate, subject to a minimum non-refundable HKD500 premium plus levy after any client discount, whichever is higher. Insurer cancellation requires 30 days notice and a pro-rata unexpired-premium refund.Public source · Checked: 14 Oct 2026

Extra benefits apply only when specifically shown in the schedule, including extended spouse cover and funeral, cremation and repatriation expenses; their own limits and eligibility rules apply.Public source · Checked: 14 Oct 2026

Insurer claims guide · Accident

Notify the insurer within 30 days of the accident with full accident and injury details, and provide the requested certificates and evidence. Temporary disablement claims additionally require income and current-employment proof.Public source · Checked: 14 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply. The insurer complaint page is linked; its current channel details have not been verified.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