Well Protect Critical Illness SimPro 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

For issue ages 0 (15 days) to 40, simplified health underwriting is available up to HKD 4.8 million or USD 600,000 sum insured; lower limits apply at older issue ages.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; it must notify the policyowner before the policy anniversary.Public source · Checked: 14 Oct 2026

Guaranteed cash value starts from the second policy anniversary; the terminal dividend from the fifth anniversary is non-guaranteed.Public source · Checked: 14 Oct 2026

A 60-day initial exclusion period runs from the latest policy issue, endorsement or reinstatement date; accident-caused critical illness 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

Suicide within 12 months of issue or reinstatement, whichever is later, limits payment to premiums refunded without interest, less indebtedness; an increase in sum insured has a separate start date.Public source · Checked: 14 Oct 2026

Written termination notice must reach the insurer at least 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

Insurer claims guide · Critical illness

For the critical illness benefit, use the prescribed claim form within 90 days of becoming aware of the covered illness; diagnosis proof and medical evidence are due within six months after the insurer receives 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 62 critical illnesses; loss of independent existence and total and permanent disability cover applies at ages 18 to 64.Public source · Checked: 14 Oct 2026