Mind+ Critical Illness Protection Plan

Benefit term: To age 100Public source · Checked: 21 Oct 2026

Recorded features: Includes mental illness benefits for insured persons aged 70 or below next birthday, subject to benefit-specific limits.Public source · Checked: 16 Oct 2026

Recorded features: Premiums are non-guaranteed but do not increase based on the insured’s attained age next birthday.Public source · Checked: 16 Oct 2026

Premium payment terms: 25 yearsPublic source · Checked: 21 Oct 2026

Premium payment terms: To age 65Public source · Checked: 21 Oct 2026

Premiums are non-guaranteed but do not increase based on the insured’s attained age next birthday.Public source · Checked: 16 Oct 2026

Published key exclusions (not exhaustive): Mental illness, crisis, special disease and death benefits exclude attempted suicide or self-harm claims, regardless of mental state.Public source · Checked: 21 Oct 2026

Published key exclusions (not exhaustive): Selected exclusions only; the full policy provisions and individual exclusions apply.Public source · Checked: 21 Oct 2026

Signed written cancellation notice must reach FWD within 21 calendar days immediately following delivery of the policy or cooling-off notice to the owner or nominated representative, whichever is earlier. Premiums and levy paid are refunded without interest; no refund if a claim payment was made before cancellation was requested.Public source · Checked: 16 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