Zurich Term Life Insurance Plan

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

Recorded features: Terminal illness advance: lower of 50% of sum insured or HKD 1,000,000; Hong Kong residents only.Public source · Checked: 13 Oct 2026

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

If no claim has been made, cancel by written notice from the registered email address within 21 calendar days after delivery of the cooling-off notice; premiums and levy are refunded.Public source · Checked: 13 Oct 2026

Insurer claims guide · Life / death

Life / death — 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

Life / death — 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

Life / death — 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

Life / death — Required documents: Death form/certificate, IDs, medical authority, policy/loss declaration, address/relationship proof; estate, tax and bank evidence.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

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

Life / death — 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