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Claims FAQs - Critical Illness Claim

Firstly, the start date of which the symptom or the disease has to be confirmed.  Under many circumstances, the symptoms only appear or become significant after a period of time.  Therefore, if the symptoms or the medical condition happen within 60 days after your insurance went into effect, it is still not covered.  Moreover, the disease does not fulfill the definition of the such critical illness or early stage critical illness, the claim will also be declined. Please refer to the policy provisions for details.
Pre-existing conditions are normally not be covered under the critical illness insurance plan as the already-existing conditions are not the coverage intention of the insurance companies.  Therefore, any condition that has started, exists, with signs and symptoms appearing before your insurance went into effect will not be covered under the policy.  Please refer to the policy provisions for the definition of the pre-existing conditions.
The benefit payments are paid to the Policyowner.  If the Policyowner has passed away, it goes into his/her estate.
Please send us the Claim Form with the supporting documents within 90 days for the Life Insured becoming aware that he/she is suffering from a Critical Illness or Early Stage Critical Illness.
You can give them to us through your insurance consultant, or mail them to us at:
Units 16-18, 11/F., China Merchants Tower, Shun Tak Centre, 168-200 Connaught Road Central, Sheung Wan, Hong Kong