Well Protect Accident Supplementary Benefit

Benefit term: Renewable / Yearly renewal up to age 70.Public source · Checked: 21 Oct 2026

Recorded features: Accidental death and dismemberment pay the percentage of the sum insured specified for the covered event.Public source · Checked: 22 Oct 2026Public source · Checked: 22 Oct 2026

Recorded features: Total permanent disability within 180 days of an accident at ages 18–65 pays the sum insured less prior dismemberment payments.Public source · Checked: 22 Oct 2026Public source · Checked: 22 Oct 2026

Recorded features: Accidental hospital income pays 0.1% of the sum insured daily, up to 90 days per accident.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 confinement; mainland hospitals must be designated.Public source · Checked: 22 Oct 2026Public source · Checked: 22 Oct 2026

The supplementary benefit provides accidental death and dismemberment, accidental total and permanent disability, specified double indemnity and daily accidental hospital income under their respective conditions.Public source · Checked: 14 Oct 2026

Daily hospital income is 0.1% of sum insured for at most 90 days per accident. Outside the listed regions, it is reduced to 50% of that daily benefit and at most 30 days; mainland hospitals must be on the insurer current specified list at admission.Public source · Checked: 14 Oct 2026

Premium payment terms: Renewable / Yearly renewal up to age 70.Public source · Checked: 21 Oct 2026

The premium and benefit terms renew yearly to age 70; payment mode and policy currency follow the basic plan.Public source · Checked: 14 Oct 2026

This is a non-participating supplementary benefit with no entitlement to insurer profits or surplus.Public source · Checked: 14 Oct 2026

The total-and-permanent-disability definition requires 183 days of continuous total disability after the injury. This is the disability qualification timing rather than a general waiting period for all accident benefits.Public source · Checked: 14 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

Examples include pre-existing conditions, non-prescribed drugs, alcohol abuse or poison, and sickness or infection except bacterial infection from an accidental cut or wound. The full exclusions apply.Public source · Checked: 14 Oct 2026

A written termination request must reach the insurer 14 days before the next premium due date. Basic-plan surrender or termination also ends the supplementary benefit.Public source · Checked: 14 Oct 2026

Signed written cancellation must reach the insurer within 21 calendar days after policy or cooling-off notice delivery, whichever is earlier. No claim must have been made for a premium refund without interest.Public source · Checked: 14 Oct 2026

This is a supplementary benefit following the basic plan currency and premium payment mode.Public source · Checked: 14 Oct 2026

Insurer claims guide · Accident

Notify the claim in writing within 30 days after the accident causing injury or death; provide satisfactory proof and supporting evidence within 90 days after the injury or death at the claimant expense.Public source · Checked: 14 Oct 2026

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