Swiss Care Critical Illness Insurance Plan

Benefit term: To age 81Public source · Checked: 13 Oct 2026

Recorded features: 71 major / 11 early-stage critical illnesses plus ICU benefit; aggregate CI and ICU payments capped at 100% of sum insured.Public source · Checked: 13 Oct 2026

Most listed early-stage conditions pay 25% of sum insured capped at USD50,000/HKD400,000 per life per product per condition; Early Stage Malignancy pays 10% capped at USD25,000/HKD200,000.Public source · Checked: 13 Oct 2026

Premium payment terms: RenewablePublic source · Checked: 13 Oct 2026

Premiums are guaranteed within the first chosen renewal term only; subsequent renewal premiums are reviewable based on attained age and prevailing rates.Public source · Checked: 13 Oct 2026

Renewal is guaranteed without fresh health underwriting until age 80 next birthday; renewal premiums after the first term are not guaranteed.Public source · Checked: 13 Oct 2026

A 90-day critical-illness diagnosis/symptom exclusion applies from the later policy-issue or reinstatement date, with an accident exception.Public source · Checked: 13 Oct 2026

Exclusions include pre-existing conditions, self-injury, HIV with listed exceptions, certain congenital/developmental conditions before age nine next birthday, non-prescribed intoxicants, unlawful acts, war and specified air travel.Public source · Checked: 13 Oct 2026

Surrender, lapse or expiry pays no benefit and refunds no premiums; written notice can be used to terminate or decline renewal.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 · Critical illness

Critical illness — Steps: Complete the relevant claim form, attach the required evidence and submit; the claims handler may request more documents.Public source · Checked: 13 Oct 2026

Critical illness — Submission channels: e-form for new claims/extra evidence; other claims by post (address below). Claims help: +852 2535 3502.Public source · Checked: 13 Oct 2026

Critical illness — Assessment / payment timing: Acknowledgement SMS within two working days after registration; this is not a settlement or bank-credit deadline.Public source · Checked: 13 Oct 2026

Critical illness — Required documents: Claim form, physician statement, medical evidence, certified ID/passport, policy, bank proof for transfers and applicable tax forms.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Critical illness — Overseas claims / servicing: Bank in insured/assignee residence region only; no cross-border payment. Bank details, IBAN/SWIFT required; not overseas cover.Public source · Checked: 13 Oct 2026

Critical illness — Payment methods: HK/Mainland residents: local transfer or default HKD cheque; sole claimant needs sole account. Eligible overseas transfer available.Public source · Checked: 13 Oct 2026

OneZurich provides policy enquiries, transaction history, fund switching/redirection and e-documents.Public source · Checked: 13 Oct 2026

For an address outside Hong Kong, use the life enquiry form to request an address change.Public source · Checked: 13 Oct 2026

Feedback: enquiry form; acknowledge in 1 working day, reply target 5 (simple) or 15 (other); extension updates every 2 weeks.Public source · Checked: 13 Oct 2026

Postal claims address: Life Claims Department, 26/F, One Island East, 18 Westlands Road, Island East, Hong Kong.Public source · Checked: 13 Oct 2026

Death claims: estate evidence means administration if no beneficiary/no will, or probate if a will; address proof within 3 months.Public source · Checked: 13 Oct 2026

Regular withdrawal may reduce values/benefits; designated plans lose basic life/CI cover. Remittance charges are deducted.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 benefit schedule covers 69 major critical illnesses and separately lists early-stage conditions with their own payment percentages.Public source · Checked: 13 Oct 2026