Lady Health Benefit

Benefit term: To age 100Public source · Checked: 13 Oct 2026

Recorded features: Female illness protection including pregnancy complications and congenital anomalies; definitions and benefit limits apply.Public source · Checked: 13 Oct 2026

The cover terminates when cumulative applicable illness benefits reach 100% of sum insured; particular benefit types have lower caps.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Premium payment terms: To age 100Public source · Checked: 13 Oct 2026

Renewal premiums are not guaranteed and depend on attained age and prevailing rates; written notice of changes is at least 30 days before the policy anniversary.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

The specified illness exclusion lasts 60 days after coverage begins, and diagnosis requires survival beyond the stated 30-day exclusion. Pregnancy complications and congenital anomalies have separate 300-day conditions.Public source · Checked: 13 Oct 2026

The exclusions include pre-existing symptoms/conditions, self-injury, non-prescribed drugs/alcohol and HIV-related illness, subject to stated exceptions.Public source · Checked: 13 Oct 2026

The policyholder can request termination in writing; rider cover also ends when the attached basic plan ends or becomes paid-up.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

The cover includes female critical illnesses, common female illnesses, pregnancy complications and congenital anomalies.Public source · Checked: 13 Oct 2026