LionGuardian PlusOne Insurance Plan

Benefit term: To age 100Public source · Checked: 13 Oct 2026

Recorded features: Covered critical illnesses can trigger benefit payments; diagnosis must meet the stated definitions and claim conditions.Public source · Checked: 13 Oct 2026

Covered critical illnesses can trigger benefit payments; diagnosis must meet the stated definitions and claim conditions.Public source · Checked: 13 Oct 2026

Major illnesses other than cancer, stroke and heart attack are generally claimable once; repeated claims have separate conditions.Public source · Checked: 13 Oct 2026

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

Premium payment options: to age 100; issue-age and plan-option conditions apply.Public source · Checked: 13 Oct 2026

Premium rates are not guaranteed and may be revised under the insurer’s review rules.Public source · Checked: 13 Oct 2026

Illness or conditions manifesting within 60 days after issue or reinstatement, whichever is later, fall within the stated exclusion.Public source · Checked: 13 Oct 2026

Suicide or intentional self-inflicted injury is restricted by the applicable benefit exclusions; scope and exceptions differ by benefit.Public source · Checked: 13 Oct 2026

Surrender ends the coverage and can cause a loss relative to premiums paid; the policy’s surrender provisions apply.Public source · Checked: 13 Oct 2026

For Hong Kong policies, signed cancellation must reach the insurer within 21 days of policy or cooling-off notice delivery, whichever is earlier; refund conditions apply.Public source · Checked: 13 Oct 2026

Insurer claims guide · Critical illness

Critical illness — Steps: Complete the form, gather evidence and post it; Generali assesses and sends a settlement letter / email after approval.Public source · Checked: 13 Oct 2026

Critical illness — Required documents: Part I and condition-specific Part II, insured / owner IDs if not previously supplied, medical / lab and pathology reports.Public source · Checked: 13 Oct 2026

Critical illness — Deadlines / notification: Notice and written proof must meet the policy’s timeframe; this page gives no universal number of days.Public source · Checked: 13 Oct 2026

Critical illness — Submission channels: Post to Generali Life, 21/F, 1111 King’s Road, Taikoo Shing, Hong Kong.Public source · Checked: 13 Oct 2026

Critical illness — Overseas claims / servicing: Documents outside English / Chinese require certified valid translations; claimant pays the doctor’s Part II fee.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 covered-condition list includes cancer; the contractual definition determines eligibility.Public source · Checked: 13 Oct 2026