CriticalCare 1.0

First diagnosis of a listed covered critical illness pays a lump sum under the selected plan, regardless of other existing medical insurance policies.Public source · Checked: 14 Oct 2026

Both Standard and Comprehensive plans have I, II and III coverage levels of HKD100,000, HKD150,000 and HKD250,000 respectively.Public source · Checked: 14 Oct 2026

The checked annual premium table separates plan, coverage level, sex, smoking status and age bracket. For example, a male non-smoker aged 18-24 under Standard Plan I is listed at HKD108 annually. This is a dated table example, not an individual quotation.Public source · Checked: 14 Oct 2026

The supplied table varies premiums by age brackets: the male non-smoker Standard Plan I entries are HKD108 for ages 18-24 and HKD132 for ages 25-29. This table does not establish a guaranteed future renewal rate.Public source · Checked: 14 Oct 2026

Illness occurring within the waiting period of 60 days is excluded, except due to accident.Public source · Checked: 14 Oct 2026

Examples include pre-existing conditions, pregnancy or childbirth, congenital anomalies, alcohol or drug abuse, dangerous sports and living outside the usual country of residence for more than 3 consecutive months within 12 months. Further exclusions are listed; detailed scope is subject to the policy wording.Public source · Checked: 14 Oct 2026

Insurer claims guide · Critical illness

The brochure gives a claims hotline, +852 2894 0660, Monday-Friday 09:00-17:30 except public holidays, and EASY Claims online submission. It does not set a claim-notification deadline.Public source · Checked: 14 Oct 2026

Critical illness — Steps: Enter policy, contact, claim and bank details, upload documents and submit; use the tracking number for status enquiries.Public source · Checked: 13 Oct 2026

Critical illness — Required documents: Critical Illness Form Part I by claimant and Part II by physician, with available specialist/hospital and laboratory reports.Public source · Checked: 13 Oct 2026

Critical illness — Submission channels: EASY Claims online or completed paper form by post to Claims Department, 9/F, 1111 King’s Road, Taikoo Shing.Public source · Checked: 13 Oct 2026

Critical illness — Payment methods: Approved online claims are paid directly into the supplied bank account.Public source · Checked: 13 Oct 2026

Critical illness — Deadlines / notification: H461: 30 days from first notice (EN)/diagnosis (ZH); webpage: 30 days after accident. Confirm the policy trigger.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

The brochure states that claims can be submitted through EASY Claims anytime, anywhere. It also excludes living outside the usual country of residence for more than 3 consecutive months within 12 months. These are online-claim access and residence conditions; other overseas servicing arrangements require confirmation.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

The Standard plan lists 8 critical illnesses, including cancer, stroke, heart attack and kidney failure. The Comprehensive plan adds 20 illnesses for 28 in total, including major burns, coma and major organ transplant. The brochure lists conditions; complete diagnostic definitions require the policy wording.Public source · Checked: 14 Oct 2026