CarePlus Hospital Cash Insurance
Also known as: CarePlus 住院現金保險
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Last checked
CarePlus Hospital Cash Insurance is recorded as Not confirmed. Check its published cover, premium terms and exclusions below; missing fields are unconfirmed and this catalogue is for information only, with original sources checked .Sources & verification dates
At a glance
Decision sheet
7 of 13 known · 6 not published · 0 not yet checked
- What it pays and when
CarePlus pays daily hospital cash and covers overseas accidental hospital and surgical expenses, with three benefit levels.Public source · Checked:
- Benefit limits
Daily cash is up to HKD1,500 for up to 750 days worldwide, or 30 days in China; intensive-care double cash is up to HKD3,000 for 30 days worldwide or 15 days in China.Public source · Checked:
- Premium and payment term
Annual HKD premiums are listed by age group and plan; insurance levy is additional.Public source · Checked:
- How premiums can change
- not publishedDocuments checkedPublic source · Checked:
- Guaranteed / non-guaranteed
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- Waiting periods
Sickness claims are excluded in the first 30 days; listed conditions including tumors, diabetes and cardiovascular disease have a six-month period.Public source · Checked:
- Main exclusions
Exclusions include pre-existing conditions, congenital/hereditary conditions, mental disorders, pregnancy, dental care and hazardous sports.Public source · Checked:
- Surrender / cancellation
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- Cooling-off
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- Riders
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- Claims steps
Claims can be submitted through the EASY Claims online platform; a dedicated claims hotline is also described.Public source · Checked:
- Policy servicing from abroad
- not publishedDocuments checkedPublic source · Checked:
- Complaints and dispute routes
1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked:
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:
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:
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:
Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.
Questions to ask before buying
Questions to ask before buying (7)
Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.
- When and how can premiums change?
- What are the cancellation terms and any surrender value or charges?
- Which riders are available, and what are their costs and terms?
- How can I service the policy from abroad, and what restrictions apply?
- Can you provide the key facts statement and policy provisions for this product?
- What is the cooling-off period, and how do I cancel during it?
- Which benefits and values are guaranteed, and which are not?
Belongs to
Belongs to
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All published facts
All published facts
| Field | Recorded information |
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Verified names follow insurer labels. Unconfirmed translations use English for navigation.
Sources & verification dates
Sources & verification dates
Checked:
- Official retail product page or catalogue; unchecked facts remain null
Source date: Not confirmed
- Official locale page, product document or underwriting evidence
Source date: Not confirmed