Well Protect Critical Illness Supplementary Benefit

Benefit term: Renewable / Yearly renewal up to age 100.Public source · Checked: 21 Oct 2026

Recorded features: Policy currency follows the basic plan; no independent currency choice is confirmed.Public source · Checked: 21 Oct 2026

Critical illness and death benefits each equal the sum insured at diagnosis or death respectively, less indebtedness.Public source · Checked: 14 Oct 2026

Maximum sum insured is HKD 8 million, RMB 8 million or USD 1 million.Public source · Checked: 14 Oct 2026

Premium payment terms: Renewable / Yearly renewal up to age 100.Public source · Checked: 21 Oct 2026

Premium payment and benefit terms renew yearly up to age 100; payment mode and policy currency follow the basic plan.Public source · Checked: 14 Oct 2026

Renewal premiums depend on attained age. The insurer may review and adjust rates at each policy anniversary, with notice before that anniversary.Public source · Checked: 14 Oct 2026

Renewal is guaranteed subject to the supplementary benefit terms and continued premium payment, up to the policy anniversary on or following age 100; premium rates may be adjusted.Public source · Checked: 14 Oct 2026

The initial waiting period is 60 days from the latest applicable issue, endorsement or supplementary benefit 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

Examples of critical illness exclusions include pre-existing conditions, congenital deformities or anomalies and intentional self-inflicted acts; this is not the complete list.Public source · Checked: 14 Oct 2026

To terminate the supplementary benefit, the insurer must receive the written request 14 days before the next premium due date. It also terminates when the basic plan matures, expires, is surrendered or terminates.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

This is a supplementary benefit attached to a basic plan; its policy currency and premium payment mode follow that basic plan.Public source · Checked: 14 Oct 2026

Insurer claims guide · Critical illness

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 covered critical illnesses, including cancer, heart attack and stroke; the policy definitions apply.Public source · Checked: 14 Oct 2026