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Payor's Benefit

Last checked

At a glance

Insurer
Generali Life (Hong Kong) Limited
Product category
Other
  • Future basic-plan premiums are waived after qualifying total disability lasting at least six months; age and termination conditions apply.
  • Death of the policyholder can also trigger premium waiver, subject to the specified age and coverage limits.
Product enquiry via a licensed Hong Kong brokerCompare with similar plans

Decision sheet

8 of 13 known · 5 not published
What it pays and when

Recorded features: Future basic-plan premiums are waived after qualifying total disability lasting at least six months; age and termination conditions apply. / Death of the policyholder can also trigger premium waiver, subject to the specified age and coverage limits.Public source · Checked:

Future basic-plan premiums are waived after qualifying total disability lasting at least six months; age and termination conditions apply.Public source · Checked:

Death of the policyholder can also trigger premium waiver, subject to the specified age and coverage limits.Public source · Checked:

Benefit limits

Insured age 25 or policyholder age 70, whichever is earlier is the age limit; earlier termination of the basic plan or its premium term also applies.Public source · Checked:

Premium and payment term

Payment mode and currency follow the attached basic plan; the stated age and basic-plan payment-term limits apply.Public source · Checked:

How premiums can change

Paying in a currency different from the policy currency can change the amount paid as exchange rates fluctuate, subject to administrative rules.Public source · Checked:

Guaranteed / non-guaranteed
not publishedDocuments checkedPublic source · Checked:
Waiting periods

Qualifying total disability must continue uninterrupted for at least six months before the stated premium waiver applies.Public source · Checked:

Main exclusions

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

Surrender / cancellation

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

Cooling-off
not publishedDocuments checkedPublic source · Checked:
Riders
not publishedDocuments checkedPublic source · Checked:
Claims steps

Insurer claims guide

not publishedDocuments checkedPublic source · Checked:
Policy servicing from abroad
not publishedDocuments checkedPublic source · Checked:
Complaints and dispute routes

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked:

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:

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:

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:

Known means some sourced information is available, not complete terms. Missing details are not evidence of no cover or no restriction.

Questions to ask before buying

Questions to ask before buying (6)

Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.

  1. Which riders are available, and what are their costs and terms?
  2. What are the claim steps, documents and deadlines?
  3. How can I service the policy from abroad, and what restrictions apply?
  4. Can you provide the key facts statement and policy provisions for this product?
  5. What is the cooling-off period, and how do I cancel during it?
  6. Which benefits and values are guaranteed, and which are not?
Belongs to

Belongs to

Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.

More product information from this insurer:

Waiver of Premium Benefit (Basic Plan)

Insurers (15)
Comparison groups

Comparison groups

All published facts

All published facts

FieldRecorded information
Product category

Other

Source 1
Recorded features

Future basic-plan premiums are waived after qualifying total disability lasting at least six months; age and termination conditions apply.

Death of the policyholder can also trigger premium waiver, subject to the specified age and coverage limits.

Source 2
Names in other languages
English
Payor's Benefit
繁體中文
付款人保障
简体中文
Not confirmed

Verified names follow insurer labels. Unconfirmed translations use English for navigation.

Sources & verification dates

Sources & verification dates

Checked:

  1. Payor's Benefit — brochure

    Source date: Not confirmed / Page: 1

  2. Payor's Benefit — brochure

    Source date: Not confirmed / Page: 2

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