Waiver of Premium Benefit (Basic Plan)

Recorded features: Future basic-plan premiums are waived after qualifying total disability lasting at least six months; age and termination conditions apply.Public source · Checked: 13 Oct 2026

Future basic-plan premiums are waived after qualifying total disability lasting at least six months; age and termination conditions apply.Public source · Checked: 13 Oct 2026

Insured age 65 is the age limit; earlier termination of the basic plan or its premium term also applies.Public source · Checked: 13 Oct 2026

Payment mode and currency follow the attached basic plan; the stated age and basic-plan payment-term limits apply.Public source · Checked: 13 Oct 2026

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: 13 Oct 2026

Qualifying total disability must continue uninterrupted for at least six months before the stated premium waiver applies.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

Insurer claims guide

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