PRUhealth lady care

Benefit term: To age 100 / Supplementary benefit only; attach to a basic plan. Cover ends no later than the attached basic plan.Public source · Checked: 13 Oct 2026

Recorded features: Female critical illness supplementary benefit; optional lady care extra ends at age 45 (next birthday).Public source · Checked: 13 Oct 2026

Female Illness Benefit is capped at 100% of sum assured in aggregate; each covered female illness is payable once.Public source · Checked: 13 Oct 2026

Premium payment terms: To age 100 / Supplementary benefit only; attach to a basic plan. Cover ends no later than the attached basic plan.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 specified disease or symptom exclusion applies during the first 90 days from the later effective or reinstatement date.Public source · Checked: 13 Oct 2026

Female-illness claims exclude death within 30 days inclusive after diagnosis. The separate lady care extra pregnancy cover has a 300-day exclusion and its own survival conditions.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Female-illness claims exclude pre-existing disease or symptoms and listed self-injury, HIV/AIDS and drug/alcohol-related causes, subject to stated exceptions.Public source · Checked: 13 Oct 2026

Supplementary benefit only; attach to a basic plan. Cover ends no later than the attached basic plan.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

The schedule includes chronic auto-immune hepatitis, SLE with lupus nephritis, severe rheumatoid arthritis and severe osteoporosis; condition-specific benefit amounts and age limits apply.Public source · Checked: 13 Oct 2026