Family Guardian Refundable Hospital Income Protection Plan

At maturity, the plan pays 100% of total premiums paid if the insured is alive, subject to terms; the benefit term is ten years.Public source · Checked: 14 Oct 2026

Class 1 / 2 / 3 daily hospital income amounts are HKD600 / 1,000 / 1,500.Public source · Checked: 14 Oct 2026

The premium payment term is ten years, payable annually or monthly in HKD.Public source · Checked: 14 Oct 2026

Premium remains unchanged throughout the premium payment term.Public source · Checked: 15 Oct 2026

The plan automatically ends on the earliest of the insured’s death, maturity or surrender, unpaid premiums at the end of the grace period, or the anniversary on or immediately after the insured’s 70th birthday.Public source · Checked: 15 Oct 2026

Daily, family-daily and intensive-care hospital benefits exclude conditions whose symptoms first occurred in the five years before or within 30 days after the latest issue, endorsement or reinstatement date.Public source · Checked: 14 Oct 2026

Hospital-income exclusions include pre-existing conditions within the specified look-back, self-inflicted injury, war and listed hazardous activities; this is a partial list.Public source · Checked: 14 Oct 2026

Before maturity and while the insured is alive, request surrender in writing and return the policy, provided no death benefit has been paid or become payable; surrender ends the policy.Public source · Checked: 14 Oct 2026

A signed written cancellation notice must be received within 21 calendar days after delivery of the policy or cooling-off notice, whichever is earlier, for refund of premiums and levy paid in the original payment currency without interest.Public source · Checked: 15 Oct 2026

Insurer claims guide

For hospital-income claims, give written notice within ten days after admission and submit the completed form and documents within 30 days after discharge; death claims need immediate notice and documents within 90 days after death.Public source · Checked: 14 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