CritiCare Continuation Diabetes Insurance Plan

Benefit term: To age 100 / For specified critical illnesses; other benefits have their own limits.Public source · Checked: 13 Oct 2026

Recorded features: Covers 149 critical illnesses: 68 major, 50 early-stage and 31 carcinoma-in-situ/early-stage cancers; definitions apply.Public source · Checked: 13 Oct 2026

The plan’s aggregate sum insured per insured is capped at USD62,500; condition-specific reimbursements have further limits.Public source · Checked: 13 Oct 2026

Premium payment terms: 10 years / 15 years / 20 years / 25 yearsPublic source · Checked: 13 Oct 2026

Minimum premium & basis: USD 350 / AnnualPublic source · Checked: 13 Oct 2026

Premiums do not increase solely because the insured ages, but rates are not guaranteed and the insurer can adjust them for the same risk class on renewal.Public source · Checked: 13 Oct 2026

Cash value comprises guaranteed cash value and a non-guaranteed Terminal Bonus.Public source · Checked: 13 Oct 2026

The specified first-60-day disease exclusion is measured from the later coverage-effective or approved-reinstatement date.Public source · Checked: 13 Oct 2026

Critical Illness Benefit requires at least 14 days of survival after diagnosis.Public source · Checked: 13 Oct 2026

The brochure lists pre-existing-condition, self-injury, non-prescribed-intoxicant, war, hazardous-activity and HIV exclusions, with condition-specific exceptions.Public source · Checked: 13 Oct 2026

Early surrender may return cash value considerably below total premiums paid; surrender requests use the insurer’s prescribed written form.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Cancellation notice must reach the insurer within 21 calendar days after delivery of the policy or its availability/cooling-off notice, whichever is earlier; follow the brochure’s written-notice requirements. For basic cover only; rider cancellation follows the attached policy.Public source · Checked: 13 Oct 2026

Insurer claims guide · Critical illness

Critical illness — Required documents: C04 Critical Illness & Total Disability form, plus condition-specific Part II supplements for cancer, heart attack or stroke.Public source · Checked: 13 Oct 2026

Critical illness — Submission channels: The C04 entry in the form library provides eClaims submission.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 12 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

An early-stage claim is not paid retrospectively when the illness already meets the major-critical-illness stage at the time of claim.Public source · Checked: 13 Oct 2026