VIP Global MediCare

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

Recorded features: Standard private room medical cover with annual deductible choices; guaranteed renewal to age 100.Public source · Checked: 13 Oct 2026

Annual and lifetime limits are HKD25m and HKD70m, applying to the stated schedule items and supplementary benefits where specified.Public source · Checked: 13 Oct 2026

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

Renewal premiums depend on attained age and prevailing rates; benefits and premiums may change with at least thirty days’ written notice before the anniversary.Public source · Checked: 13 Oct 2026

Standard private room medical cover with annual deductible choices; guaranteed renewal to age 100.Public source · Checked: 13 Oct 2026

Annual renewal is guaranteed to age 100 under the renewal terms; renewal premiums are not guaranteed.Public source · Checked: 13 Oct 2026

Accident cover is immediate; sickness cover is after thirty days. Tonsil/adenoid/hernia treatment waits 120 days, pregnancy complications 300 days, circumcision two years or the twelfth birthday (earlier), and HIV/AIDS treatment five years.Public source · Checked: 13 Oct 2026

Exclusions include pre-existing symptoms/conditions, non-medically-necessary care, non-covered cosmetic/dental work, pregnancy-related services outside specified cover, self-injury, intoxicants and listed hazardous activities. Death-benefit suicide exclusion is separate.Public source · Checked: 13 Oct 2026

Surrender uses a written request on the prescribed form with valid identification and permanent-address proof where applicable.Public 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 · Medical / VHIS

Medical / VHIS — Steps: Log in to YFLink, choose policy and claim type, enter details, upload evidence, review and submit.Public source · Checked: 13 Oct 2026

Medical / VHIS — Required documents: Hospital Benefit C02: claimant statement, doctor’s Part II, identity / address evidence as required for due diligence.Public source · Checked: 13 Oct 2026

Medical / VHIS — Submission channels: YFLink app or WeChat Mini Program; the form library links hospital claims to eClaims.Public source · Checked: 13 Oct 2026Public 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

Annual deductibles are HKD0, 15,000, 30,000 or 60,000 with standard private room cover.Public source · Checked: 13 Oct 2026