Family Care Dread Disease Protection Plan

Covered dread diseases pay under the dread disease schedule. A qualifying ICU stay of at least 3 consecutive days pays 20% of sum assured less indebtedness, once only.Public source · Checked: 14 Oct 2026

Aggregate ICU benefit for the same insured across the insurer policies is capped at HKD400,000 or USD50,000. Family cancer benefit per covered member is capped at HKD200,000/USD25,000 if below age 66 at endorsement, or HKD100,000/USD12,500 from age 66.Public source · Checked: 14 Oct 2026

Premium payment terms are 10 or 20 years, with protection until age 100.Public source · Checked: 14 Oct 2026

Premium rates can be reviewed and adjusted for particular risk classes on policy anniversaries, not for an individual customer; factors include claims, persistency, investment performance and expenses.Public source · Checked: 14 Oct 2026

The plan provides guaranteed cash value. Terminal dividend is not guaranteed and may be payable on or after the end of year 12 on death, surrender, full payment of major dread disease benefit or maturity, whichever occurs first.Public source · Checked: 14 Oct 2026

Dread disease exclusions apply to signs or symptoms first occurring before issue or within 90 days after issue, endorsement or reinstatement, whichever is later. Family cancer exclusions apply before endorsement or within 2 years after endorsement or reinstatement, whichever is later.Public source · Checked: 14 Oct 2026

Examples include pre-existing conditions, suicide or intentional self-injury, non-prescribed drugs, poison or alcohol, war or riots, and congenital or inherited disorders manifested or diagnosed before age 16; stated HIV exceptions apply.Public source · Checked: 14 Oct 2026

After cooling-off, cancellation requires 30 days prior written notice. Projected surrender value before the end of term may be below total premiums paid.Public source · Checked: 14 Oct 2026

A signed written cancellation notice must reach the insurer within 21 calendar days immediately after delivery of the policy or cooling-off notice, whichever is earlier. Premiums and levy are refunded in the original payment currency without interest.Public source · Checked: 14 Oct 2026

Insurer claims guide · Critical illness

Critical illness — Steps: Complete the benefit-specific form and submit the required documents.Public source · Checked: 13 Oct 2026

Critical illness — Submission channels: Post or deliver in person to Hong Kong Life, 15/F, Cosco Tower, 183 Queen’s Road Central.Public source · Checked: 13 Oct 2026

Critical illness — Required documents: Claimant form I, signed/stamped physician II, owner/insured IDs, discharge/tests; listed female benefits use hospital form.Public source · Checked: 13 Oct 2026

Critical illness — Deadlines / notification: Within 6 months of diagnosis.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 13 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 brochure lists 60 major dread diseases, 46 early-stage dread diseases and 12 severe juvenile diseases; policy definitions determine eligibility.Public source · Checked: 14 Oct 2026