Well SmartPro

Benefit term: Renewable / Yearly; guaranteed renewal up to age 85.Public source · Checked: 21 Oct 2026

The basic plan pays a death benefit of 100% of sum insured less indebtedness; critical illness and accident benefits are optional supplements.Public source · Checked: 15 Oct 2026

Each supplementary benefit sum insured cannot exceed the basic plan sum insured; maximum basic-plan sum insured depends on issue age.Public source · Checked: 15 Oct 2026

Premium payment terms: Renewable / Yearly; guaranteed renewal up to age 85.Public source · Checked: 21 Oct 2026

Minimum premium & basis: HKD 31 / Annual / Basic plan only, female non-smoker age 18, HKD 100,000 cover, rate 0.31 per 1,000; effective 8 Apr 2020. Riders and levy excluded.Public source · Checked: 21 Oct 2026Public source · Checked: 21 Oct 2026

Standard annual basic-plan rates are quoted per HK$1,000 sum insured, with separate age, sex and smoking- status columns.Public source · Checked: 15 Oct 2026

The insurer may revise rates for risk classes at policy anniversary with prior notice; rates are not locked for life.Public source · Checked: 15 Oct 2026

Guaranteed annual renewal is subject to policy terms, with cover ending no later than the anniversary on or immediately after age 85; rates and benefits may change.Public source · Checked: 15 Oct 2026

The Critical Illness Supplementary Benefit has a 60-day waiting period, except for critical illness caused by an accident.Public source · Checked: 15 Oct 2026

Published key exclusions (not exhaustive): CI rider excludes pre-existing conditions; accident rider excludes self-inflicted injury. Full wording applies.Public source · Checked: 21 Oct 2026

The Accident Supplementary Benefit excludes pre-existing conditions and specified hazardous sports unless accepted by special endorsement, among other exclusions.Public source · Checked: 15 Oct 2026

No surrender value is payable on discontinuance of the policy.Public source · Checked: 15 Oct 2026

Signed written cancellation must be received within 21 calendar days following delivery of the policy or cooling-off notice, whichever is earlier; no prior claim is permitted for the refund.Public source · Checked: 15 Oct 2026

The two optional supplementary benefits are Critical Illness and Accident.Public source · Checked: 15 Oct 2026

Insurer claims guide

Critical illness claims require notice within 90 days and proof within six months of notice; accident claims require notice within 30 days and proof within 90 days of the accident.Public source · Checked: 15 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