LionPatron Insurance Plan

Benefit term: To age 138Public source · Checked: 13 Oct 2026

Recorded features: A death benefit is payable on the insured’s death, subject to the policy’s calculation and conditions.Public source · Checked: 13 Oct 2026

A death benefit is payable on the insured’s death, subject to the policy’s calculation and conditions.Public source · Checked: 13 Oct 2026

Accidental death benefit has a USD300,000 aggregate per-insured cap across policies issued by Generali.Public source · Checked: 13 Oct 2026

Premium payment terms: 5 years / 10 years / 20 yearsPublic source · Checked: 13 Oct 2026

Premium payment options: 5 years, 10 years, 20 years; issue-age and plan-option conditions apply.Public source · Checked: 13 Oct 2026

Premium remains unchanged throughout the premium payment term.Public source · Checked: 13 Oct 2026

The plan provides guaranteed cash value; dividends and interest identified as non-guaranteed can change.Public source · Checked: 13 Oct 2026

Terminal dividends are not guaranteed and may change; illustrated dividends are not promised payments.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 · Savings surrender / withdrawal

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