Well Protect 108 Personal Accident Insurance Plan

Benefit term: 10 yearsPublic source · Checked: 21 Oct 2026

Recorded features: Accidental death within 180 days pays a fixed amount under the selected plan.Public source · Checked: 22 Oct 2026Public source · Checked: 22 Oct 2026

Recorded features: Scheduled permanent disability and dismemberment pay a fixed benefit; total permanent disability is limited to age 65.Public source · Checked: 22 Oct 2026Public source · Checked: 22 Oct 2026

Recorded features: Hospital income covers up to 90 days per accident, 10 accidents per policy year and 1,000 hospital days per benefit term.Public source · Checked: 22 Oct 2026Public source · Checked: 22 Oct 2026

Recorded features: Outside the listed regions, hospital income falls to 50% and 30 days per accident; mainland hospitals must be designated.Public source · Checked: 22 Oct 2026Public source · Checked: 22 Oct 2026

The plan provides daily accidental hospital income, accidental disability/dismemberment and death benefits over a 10-year benefit term.Public source · Checked: 15 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: 8 yearsPublic source · Checked: 21 Oct 2026

Minimum premium & basis: HKD 3,386 / Annual / Plan 1, occupation classes 1–4; monthly HKD 297.97. Schedule effective 12 Aug 2021, excluding levy; premiums may change.Public source · Checked: 21 Oct 2026Public source · Checked: 21 Oct 2026

Premiums are payable for 8 years, annually or monthly; the policy currency is HKD.Public source · Checked: 15 Oct 2026

Premium rates for particular risk classes may change at anniversaries based on overall claims and persistency, with advance notice; adjustments are not made on an individual basis.Public source · Checked: 15 Oct 2026

This is a non-participating policy; policyowners do not share in the insurer’s profits or surplus.Public source · Checked: 15 Oct 2026

Death by suicide within 12 months of issue, endorsement or reinstatement, whichever is later, limits liability to basic-plan premiums paid without interest, less indebtedness.Public source · Checked: 15 Oct 2026

Published key exclusions (not exhaustive): Selected accident exclusion: pre-existing conditions and intentional self-inflicted injury; full wording applies.Public source · Checked: 21 Oct 2026

Accidental benefits exclude pre-existing conditions, self-inflicted injury, war and professional sports; the brochure lists further exclusions and exceptions.Public source · Checked: 15 Oct 2026

Early surrender pays the scheduled percentage of total equivalent annual premiums paid: 0% at the end of year 1, rising to 90% at year 9; early surrender can cause a loss.Public source · Checked: 15 Oct 2026

If no claim has been made, cancellation is available within 21 calendar days after delivery of the policy or cooling-off notice, whichever is earlier; a signed written notice is required.Public source · Checked: 15 Oct 2026

Insurer claims guide · Accident

Accident — Steps: Complete the appropriate signed claim and physician forms and collect supporting documents.Public source · Checked: 13 Oct 2026

Accident — Submission channels: Consultant, Wealth Management Centre or post to Well Link Life at Shun Tak Centre (address in source); online notification/help.Public source · Checked: 13 Oct 2026

Accident — Assessment / payment timing: Complete accident/medical/hospital cases: handling pledge within 3 working days; this is not a bank-credit deadline.Public source · Checked: 13 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