NCB Hospital Income Care Plan
Also known as: NCB 住院現金保障計劃
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Last checked
NCB Hospital Income Care Plan 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
8 of 13 known · 4 not published · 1 not yet checked
- What it pays and when
The plan combines daily hospital cash, surgical expenses and accidental medical expenses with worldwide evacuation and repatriation.Public source · Checked:
- Benefit limits
Adult daily cash is up to HKD1,500 for 750 days and triple cash up to HKD4,500 for 100 days; hospitalisation in China is limited to 30 days.Public source · Checked:
- Premium and payment term
The factsheet publishes monthly and annual HKD premiums by age group and plan, with levy additional.Public source · Checked:
- How premiums can change
- not publishedDocuments checkedPublic source · Checked: Public source · Checked:
- Guaranteed / non-guaranteed
The factsheet states automatic yearly renewal to age 69 unless written termination notice is given; the insurer retains final approval and amendment rights.Public source · Checked:
- Waiting periods
Sickness has a 30-day waiting period; specified diseases 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
Written termination notice is required to stop automatic annual renewal and premium/levy debit.Public source · Checked:
- Cooling-off
- not yet checked: policy provisions are provided by the insurer on request/applicationPublic source · Checked: Public source · Checked:
- Riders
- not publishedDocuments checkedPublic source · Checked: Public source · Checked:
- Claims steps
- not publishedDocuments checkedPublic source · Checked: Public source · Checked:
- Policy servicing from abroad
- not publishedDocuments checkedPublic source · Checked: Public 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?
- Which riders are available, and what are their costs and terms?
- What are the claim steps, documents and deadlines?
- 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
Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.
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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