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Critical Illness Claims

Required Documents:

Critical Illness Claim Form to be completed and signed by Life Insured and Policyowner  
Critical Illness Claim– Attending Physician’s Report to be completed by the attending physician of the Life  Insured
ID copies of the Life Insured and Policyowner (if not submitted to us before)
Laboratory and pathological reports
Other supporting documents:

  • Copy of the past health or medical records of the insured (such as outpatient record booklet, consultation records, hospitalization records, laboratory reports, etc.)
  • Doctor / hospital information or patient card copies that the insured had consulted in the past 5 years

Points to Note:

  • Claim form and required documents must be submitted within 90 days after the critical illness was first diagnosed.  You can call our Claims Hotline (+852 2830 7600) for a copy of claim form.
  • Answer all questions clearly on the Critical Illness Claim Form.  Do not leave any question blank.
  • Claim Form - Attending Physician’s Report to be completed by the attending doctor, with signature and chop at client's own expenses.  Please note that different critical illnesses may require to complete a different Attending Physician’s Report.
  • Unless otherwise specified, original documents are required.
  • For any documents not written in English / Chinese, client needs to provide the certified valid translation.
  • If the diagnosis is made in China, all related reports and proof must be issued by the specified hospitals in PRC. For the list of approved China hospitals please refer to "List of Specified Hospitals in PRC".
  • The definition of each critical illness or early stage critical illness, as well as the relevant exclusions, are listed on the policy provision.  No claim is eligible if the diagnosis falls under the exclusions or does not meet the stated definition.
  • Types of information and documents required may be varied on a case by case basis.
  • We reserve our rights to ask for additional information or documents for assessment of the claim.  If we need anything additional from you or other related parties, we will notify your Insurance Consultant or contact you immediately.  Since it takes time to obtain the information, the claim assessment process will be prolonged.