Health Supreme Medical Plan

The plan reimburses reasonable and customary eligible medical expenses for covered treatment under its medical-necessity and policy conditions.Public source · Checked: 14 Oct 2026

Plan I, II and III basic medical benefits have respective annual limits of HKD550,000, HKD850,000 and HKD1,200,000 with no lifetime limit. Item limits and optional supplementary major medical limits are separate.Public source · Checked: 14 Oct 2026

The premium and benefit terms are one year, renewable to age 100, with annual, semi-annual, quarterly or monthly payment.Public source · Checked: 14 Oct 2026

Renewal rates can be reviewed and adjusted by risk class, not for an individual customer. Factors include claims, persistency, expenses, medical price inflation, projected medical costs and benefit changes.Public source · Checked: 14 Oct 2026

Renewal is guaranteed annually to age 100 regardless of health or claim records. Renewal premiums are not raised because of the insured individual claims or health changes, but use the prevailing rates at the policy anniversary.Public source · Checked: 14 Oct 2026

Unknown pre-existing conditions have no cover in year 1, 25% reimbursement in year 2, 50% in year 3 and 100% from year 4 under the stated terms.Public source · Checked: 14 Oct 2026

Examples include non-medically necessary treatment, diagnostic-only stays except under the stated day-patient exception, and congenital conditions manifested or diagnosed before age 8. The complete list and stated exceptions apply.Public source · Checked: 14 Oct 2026

After cooling-off, cancellation requires 30 days prior written notice and no benefit payment in the relevant policy year; the cancellation right also applies after renewal.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

Optional supplementary major medical benefit pays 85% of eligible excess expenses, subject to the specified ward class and its aggregate annual limit.Public source · Checked: 14 Oct 2026

Insurer claims guide · Medical / VHIS

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

Medical / VHIS — 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

Medical / VHIS — Required documents: Claimant form I, physician-signed/stamped form II, ID copies, original bills/receipts, discharge summary and reports; extras if applicable.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Medical / VHIS — Deadlines / notification: Discharge/outpatient date: general hospital guide 30 days; Health Supreme and Health Essential Standard VHIS guide 90 days.Public source · Checked: 13 Oct 2026Public 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 checked edition has worldwide medical cover except for psychiatric treatment. Ward choice is unrestricted for the basic benefits; optional supplementary major medical cover, where selected, has its stated room-class adjustments.Public source · Checked: 14 Oct 2026