Vantage Medical Plan

Lifetime hospital and surgical reimbursement cover lasts to age 100, subject to item limits and deductible.Public source · Checked: 14 Oct 2026

Overall lifetime limits are up to HKD50 million/USD6.25 million and policy-year limits up to HKD20 million/USD2.5 million.Public source · Checked: 14 Oct 2026

Annual, semi-annual, quarterly or monthly premiums are payable for the one-year renewable term.Public source · Checked: 14 Oct 2026

Renewal rates may change for risk classes rather than individual customers; revised benefits and terms require at least 30 days’ written notice.Public source · Checked: 14 Oct 2026

Renewal to age 100 is guaranteed subject to terms and the plan remaining available; renewal premium is not guaranteed.Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026

Covered pregnancy complications must be diagnosed more than ten consecutive months after issue, endorsement or reinstatement, whichever is later.Public source · Checked: 14 Oct 2026

Exclusions include pre-existing conditions, self-inflicted injury, war and pregnancy unless covered by the pregnancy complications benefit.Public source · Checked: 14 Oct 2026

After cooling-off, cancellation requires 30 days’ prior written notice and no benefit payment during the relevant policy year.Public source · Checked: 14 Oct 2026

Signed cancellation must reach the insurer within 21 calendar days after policy or cooling-off notice delivery (earlier); premiums and levy are refunded without interest.Public source · Checked: 14 Oct 2026

Insurer claims guide

Hospital and surgical claims require the form and documents within 30 days of discharge or outpatient treatment; death claims require the death claim form and documents.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