Zurich Care Critical Illness Insurance Plan

Recorded features: Refundable and non-refundable premium options share this plan; Hong Kong residents only; 90-day waiting period. / Refundable option: 10-year policy term; non-refundable option: to age 86 (next birthday).Public source · Checked: 13 Oct 2026

Early-stage/ICU advance benefit is the lower of 20% of sum insured or HKD300,000 and is paid once; cancer drugs reimburse up to the lower of 10% of sum insured or HKD120,000, with the stated per-life limits.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Premium payment terms: Single premium / No Claim Refundable option. / 10 years / No Claim Refundable option. / To age 86 / Non-Refundable option; age next birthday; 1/5/10-year renewal.Public source · Checked: 13 Oct 2026

Refundable-option premiums are guaranteed unchanged during payment; non-refundable-option premiums are fixed only in the first renewal term and may be revised thereafter.Public source · Checked: 13 Oct 2026

Renewal is guaranteed to age 85 next birthday for the non-refundable option; renewal is unavailable for the ten-year refundable option.Public source · Checked: 13 Oct 2026

Refundable and non-refundable premium options share this plan; Hong Kong residents only; 90-day waiting period.Public source · Checked: 13 Oct 2026

The 90-day exclusion runs from the later policy-issue or reinstatement date, with an accident exception. The plan states there is no survival period.Public source · Checked: 13 Oct 2026Public 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

Written surrender terminates the policy without cash value, surrender value or benefit payment.Public source · Checked: 13 Oct 2026

If no claim has been made, cancellation by written notice from the registered application email within 21 calendar days after delivery of the cooling-off notice refunds paid premiums and levy.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 plan covers 71 major and ten early-stage critical illnesses; cancer-drug benefits require medicines on the stated Hospital Authority formulary and are limited to 24 months after first cancer diagnosis.Public source · Checked: 13 Oct 2026