Well Protect Critical Illness Insurance Plan

Benefit term: To age 100Public source · Checked: 21 Oct 2026

The benefit term runs to age 100.Public source · Checked: 14 Oct 2026

Each early-stage critical illness can be claimed once, except carcinoma-in-situ and percutaneous coronary intervention, each payable at most twice.Public source · Checked: 14 Oct 2026

Premium payment terms: 5 yearsPublic source · Checked: 21 Oct 2026

Premium payment terms: 10 yearsPublic source · Checked: 21 Oct 2026

Premium payment terms: 15 yearsPublic source · Checked: 21 Oct 2026

Premium payment terms: 20 yearsPublic source · Checked: 21 Oct 2026

Payment terms are 5, 10, 15 or 20 years, with monthly or annual payment.Public source · Checked: 14 Oct 2026

The insurer may review and adjust premium rates based on investment returns, claims, surrenders and expenses, with prior written notice of a rate adjustment.Public source · Checked: 14 Oct 2026

Guaranteed cash value starts from the second policy anniversary; the Special Dividend after five years is non-guaranteed and does not form a permanent addition to policy values.Public source · Checked: 14 Oct 2026

A 60-day initial exclusion period applies from the latest issue, endorsement or reinstatement date; critical illness caused by an accident is excepted.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

Exclusions include pre-existing conditions, intentional self-inflicted acts and participation in war or peacekeeping activities.Public source · Checked: 14 Oct 2026

A written termination request must reach the insurer 14 days before the next premium due date.Public source · Checked: 14 Oct 2026

Cancellation requires signed notice within 21 calendar days after policy delivery or the availability notice, whichever is earlier.Public source · Checked: 14 Oct 2026

Supplementary benefits require additional premiums and underwriting; their benefits terminate when the basic plan terminates.Public source · Checked: 14 Oct 2026

Insurer claims guide · Critical illness

Use the prescribed claim form within 90 days of becoming aware of critical or early-stage critical illness; diagnosis proof and medical evidence must reach the insurer within six months after its receipt of written claim notice.Public source · Checked: 14 Oct 2026

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

Critical illness — 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

Critical illness — Assessment / payment timing: Complete death/CI cases: handling pledge within 5 working days; additional evidence can extend assessment.Public source · Checked: 13 Oct 2026

Critical illness — Required documents: CI and physician forms, identity copies, laboratory and pathology reports.Public source · Checked: 13 Oct 2026

Critical illness — Deadlines / notification: Within 90 days of first critical illness diagnosis.Public source · Checked: 13 Oct 2026

Critical illness — Overseas claims / servicing: China diagnosis reports must come from specified hospitals; non-English/Chinese documents require certified translations.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

The brochure lists 45 early-stage and 62 critical illnesses; full definitions are governed by the policy documents.Public source · Checked: 14 Oct 2026