PRUHealth Guardian Critical Illness Insurance Series

Benefit term: Whole lifePublic source · Checked: 13 Oct 2026

Recorded features: Guardian and Baby Guardian share this published series; coverage and pregnancy eligibility vary by plan.Public source · Checked: 13 Oct 2026

Early-stage, juvenile-disease and intensive-care advances together are capped at 95% of basic sum assured; individual claims also have stated per-life limits.Public source · Checked: 13 Oct 2026

Premium payment terms: 5 years / Guardian only. / 10 years / 15 years / 20 years / 25 yearsPublic source · Checked: 13 Oct 2026

Guardian: 5/10/15/20/25-year premiums. Baby Guardian: 10/15/20/25 years; pregnancy and maternal-age conditions apply.Public source · Checked: 13 Oct 2026

The insurer may review premium rates by risk class on policy anniversaries; individual policy terms and notice requirements apply.Public source · Checked: 13 Oct 2026

The basic plan has guaranteed cash value and a non-guaranteed terminal or special bonus; bonus cash values may change and differ from face values.Public source · Checked: 13 Oct 2026

The specified disease or symptom exclusion applies during the first 90 days from the later effective or reinstatement date. Accident exceptions have additional stated conditions.Public source · Checked: 13 Oct 2026

Repeat major-disease claims require one year between diagnoses, or three years when both are cancer. No survival period is required, but the insured must be alive at diagnosis. Baby-plan benefits have separate reduced-payment periods after birth.Public source · Checked: 13 Oct 2026

Disease claims exclude pre-existing disease or symptoms and specified self-injury, HIV/AIDS and drug/alcohol-related causes. Accidental and HIV exceptions differ by benefit; total-disability exclusions are separate.Public source · Checked: 13 Oct 2026

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

Cancellation notice must reach the insurer within 21 calendar days after delivery of the policy or its availability/cooling-off notice, whichever is earlier; follow the brochure’s written-notice requirements. For basic cover only; rider cancellation follows the attached policy.Public source · Checked: 13 Oct 2026

Insurer claims guide · Critical illness

Critical illness — Required documents: Claim form including doctor’s Part II; insured / owner IDs, lab and pathology reports. Special benefits have extra checklists.Public source · Checked: 13 Oct 2026

Critical illness — Assessment / payment timing: Preliminary CI assessment: 5–7 working days from claim receipt, not a guaranteed final decision.Public source · Checked: 13 Oct 2026

Critical illness — Steps: Complete the claim form, obtain doctor’s Part II and submit the supporting evidence.Public source · Checked: 13 Oct 2026

Critical illness — Submission channels: Post to P.O. Box 28058, Gloucester Road Post Office, Hong Kong, or submit through the financial consultant.Public source · Checked: 13 Oct 2026

Critical illness — Payment methods: The published claims pledge offers instant FPS payment on approval.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

Extended major-disease groups include cancer, heart attack/stroke, dementia/Parkinson’s disease and listed organ/function conditions, with separate group limits.Public source · Checked: 13 Oct 2026