ManuPrimo Care (BestStart)

Benefit term: To age 100Public source · Checked: 13 Oct 2026

Recorded features: Covered critical illnesses can trigger benefit payments; diagnosis must meet the stated definitions and claim conditions.Public source · Checked: 13 Oct 2026

Covered critical illnesses can trigger benefit payments; diagnosis must meet the stated definitions and claim conditions.Public source · Checked: 13 Oct 2026

The stated early-stage / juvenile benefits are capped at 20% of notional amount per claim; category limits apply.Public source · Checked: 13 Oct 2026

Per-life limits aggregate the same or similar benefits under the insurer’s policies covering that insured.Public source · Checked: 13 Oct 2026

Premium payment terms: 25 yearsPublic source · Checked: 13 Oct 2026

Payment options: 25 years; option conditions apply.Public source · Checked: 13 Oct 2026

The stated premium rate is guaranteed for the selected premium payment period.Public source · Checked: 13 Oct 2026

Cash value includes a guaranteed component and a terminal bonus that is not guaranteed.Public source · Checked: 13 Oct 2026

For BestStart, the stated 90-day elimination period starts from reinstatement; other benefit waiting conditions also apply.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

Early surrender may return substantially less than premiums paid.Public source · Checked: 13 Oct 2026

For Hong Kong policies, signed cancellation must reach the insurer within 21 days of policy or cooling-off notice delivery, whichever is earlier; refund conditions apply.Public source · Checked: 13 Oct 2026

Insurer claims guide · Critical illness

Critical illness — Steps: Apply once proof of diagnosis is available, using the condition-specific forms.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Critical illness — Required documents: Major Disease Part I and the relevant Part II physician statement; forms cover cancer, stroke, heart and other conditions.Public source · Checked: 13 Oct 2026

Critical illness — Submission channels: The Hong Kong form library provides online submission links for Major Disease Parts I and II.Public source · Checked: 13 Oct 2026

Critical illness — 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

Critical illness — 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

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

The covered-condition list includes cancer; the contractual definition determines eligibility.Public source · Checked: 13 Oct 2026