ManuGuard Medical Benefit (For non-Hong Kong and non-Macau Residents)

Recorded features: Medical costs are reimbursed subject to covered treatment, benefit limits and policy conditions.Public source · Checked: 13 Oct 2026

Medical costs are reimbursed subject to covered treatment, benefit limits and policy conditions.Public source · Checked: 13 Oct 2026

The benefit schedule sets separate limits for eligible treatment costs; annual and per-benefit limits must both be observed.Public source · Checked: 13 Oct 2026

Premium payment terms: Renewable / Premiums are payable for each policy year during coverage.Public source · Checked: 13 Oct 2026

Premiums are payable for each policy year during the stated coverage period.Public source · Checked: 13 Oct 2026

Supplementary premiums are collected together with the basic-plan premium.Public source · Checked: 13 Oct 2026

Premium rates are not guaranteed and may be revised under the insurer’s review rules.Public source · Checked: 13 Oct 2026

This protection has no cash value.Public source · Checked: 13 Oct 2026

Hospital cover has a 30-day waiting arrangement from the stated application or reinstatement date; accidental injury is excepted.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

Insurer claims guide · Medical / VHIS

Medical / VHIS — Steps: Enter policy details, claim details and payment method; review and submit, then keep the reference number.Public source · Checked: 13 Oct 2026

Medical / VHIS — Required documents: Hospitalisation / Surgical form and relevant evidence; retain original receipts and documents for 90 days after completion.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Medical / VHIS — Submission channels: Individual medical claims can be submitted online; view records under My Claims.Public source · Checked: 13 Oct 2026

Medical / VHIS — Payment methods: Chosen form instruction; preset electronic method if applicable, or cheque via advisor if the chosen method cannot be used.Public source · Checked: 13 Oct 2026

Medical / VHIS — Assessment / payment timing: Generally 5–10 working days after all required documents arrive for a result / progress update; actual time varies.Public source · Checked: 13 Oct 2026

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

Renewal is available throughout the insured’s lifetime, subject to premium payment and the stated renewal conditions.Public source · Checked: 13 Oct 2026