EasyCover Critical Illness Plan

Benefit term: To age 100 / To the policy anniversary immediately preceding the 100th birthday; rider cover may end with its basic policy.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Recorded features: Guaranteed renewal is subject to the stated age limit and policy conditions.Public source · Checked: 13 Oct 2026

The specified carcinoma-in-situ/early-malignancy, coronary angioplasty and juvenile special-disease claims have a HKD400,000/USD50,000 per-life cap per claim across the designated Term Critical Illness Series policies.Public source · Checked: 13 Oct 2026

Premium payment terms: To age 100Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Premiums are not guaranteed and may be reviewed and adjusted, including on renewal. Factors include age next birthday where applicable, claims experience and persistency; a review applies to policies of the same kind.Public source · Checked: 13 Oct 2026

Guaranteed renewal is subject to the stated age limit and policy conditions.Public source · Checked: 13 Oct 2026

Premiums, including premiums for the optional additional medical cover, are not guaranteed.Public source · Checked: 13 Oct 2026

The stated illness benefits have a first-90-calendar-day exclusion from the applicable dates listed in their Waiting Period clause. Exceptions and optional-benefit effective dates must be checked separately.Public source · Checked: 13 Oct 2026

Suicide within 13 calendar months from the later of Policy Date or Reinstatement Date limits death benefit to premiums without interest, less outstanding levy, benefits paid and amounts owed to FWD.Public source · Checked: 13 Oct 2026

Surrender terminates the policy on the date determined under FWD’s applicable surrender rules. Other termination triggers include unpaid premium after the grace period and the specified claim-total limits.Public source · Checked: 13 Oct 2026

The document states a 21-day cooling-off period; cancellation and refund conditions apply.Public source · Checked: 13 Oct 2026

A signed written cancellation request must reach FWD within 21 calendar days after delivery of the policy or the cooling-off notice, whichever is earlier. Refund of premiums and levy follows the conditions stated in that section.Public source · Checked: 13 Oct 2026

Insurer claims guide · Critical illness

Critical illness — Payment methods: Claim payments usually use policy currency; USD policies may be paid in HKD on request.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 12 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 plan covers 62 Crises and 65 Special Diseases. Optional Big 3 benefits have a distinct cancer, heart attack and stroke scope.Public source · Checked: 13 Oct 2026