Well Care Silver Medical Plan

Benefit term: Renewable / Summary says five-year renewal to 100; wording says annual renewal and five-year premium reviews, fixed after 95.Public source · Checked: 21 Oct 2026Public source · Checked: 21 Oct 2026Public source · Checked: 21 Oct 2026

The Jul 2021 brochure describes non-indemnity hospital cash, indemnity surgical expenses and daily rehabilitation cash support. These are dated brochure terms.Public source · Checked: 14 Oct 2026

The supplied mainland China designated-hospital list, updated in Mar 2023, explicitly applies to this plan. It asks customers to check the latest list before hospital admission or treatment in mainland China. The insurer may revise the list with immediate effect and without prior notice. This dated list is not confirmation that individual hospitals remain designated today.Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026

Premium payment terms: Renewable / Summary says five-year renewal to 100; wording says annual renewal and five-year premium reviews, fixed after 95.Public source · Checked: 21 Oct 2026

The Jul 2021 brochure lists monthly or annual premium payments in HKD; its historical table is not a current individual quotation.Public source · Checked: 14 Oct 2026

The Jul 2021 brochure permits risk-class reviews every fifth anniversary with prior notice. Its English summary says no adjustment on reaching age 95, while the detailed clause says above age 95; confirm the issued-policy rule at that boundary.Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026

The Jul 2021 brochure states guaranteed renewal to age 100; its summary describes five-year renewal, while the detailed renewal clause refers to one-year renewal on policy anniversaries. Confirm the applicable issued-policy wording.Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026

The Jul 2021 wording excludes sickness whose symptoms first appear or receive medical attention within 90 days from the latest policy issue, endorsement or reinstatement date.Public source · Checked: 14 Oct 2026

Published key exclusions (not exhaustive): Selected exclusion: pre-existing conditions; see the full wording for all exclusions and exceptions.Public source · Checked: 21 Oct 2026

The Jul 2021 exclusions include pre-existing conditions, HIV/AIDS, war and self-inflicted injury; this is a partial list.Public source · Checked: 14 Oct 2026

The Jul 2021 wording requires written termination notice received at least 14 days before the next premium due date; discontinuance has no surrender value.Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026

The Jul 2021 wording allows cancellation within 21 calendar days after policy or cooling-off notice delivery, whichever is earlier, if no claim has been made, with refund of premiums without interest.Public source · Checked: 14 Oct 2026

Insurer claims guide

The Jul 2021 wording requires written hospital/surgical claim notice within 30 days after admission and proof/official receipts within 90 days after discharge; rehabilitation proof is due within 90 days after the program ends.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