Critical Illness Claims

If the Policyholder and the Insured Person are the same person, and if he/she passes away when we pay the benefit, the benefit will be transferred to his/her estate.    If the Policyholder and the Insured Person are NOT the same person, and if the Policyholder passes away during the Insured Person's lifetime or claim assessment, while the Insured Person is still alive, the Insured Person will become the new Policyholder of the Policy, and the relevant benefits will be paid to the new Policyholder.   

First, 2 claim forms are required to be filled in: 1.       Claim Form 1 which is completed by the insured / claimant 2.       The other form which is completed by doctor based on the insured’s condition: – Cancer/Early Stage Malignancy/Carcinoma-in-situ – Heart Attack – Stroke – Other Critical Illnesses    ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀ On the other hand, the following documents and information are required: 1.       Copy of insured person’s HKID 2.       Copy of claimant’s HKID (if the claim is not filled by policyholder) 3.       Copy of supporting medical reports depending on the illness type: Cancer/Early Stage Malignancy/Carcinoma-in-situ Suggest to prepare (if any): -          Histopathological report -          Blood tests -          Positron emission tomography (PET) scan -          Other imaging/scanning reports -          Hospital discharge report  ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀ Cardiovascular diseases Suggest to prepare (if any): -          Blood test -          Electrocardiogram (ECG) -          Echocardiogram -          Percutaneous coronary intervention (PCI) report -          Hospital discharge report  ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀ Neurological diseases Suggest to prepare (if any): -          Computerized tomography (CT) scan -          Magnetic resonance imaging (MRI) reports -          Hospital discharge report   Other critical illnesses Suggest to prepare (if any): -          Blood test -          All diagnostic imaging reports: X-ray, Ultrasound, CT, MRI -          Histopathological report -          Hospital discharge report   For the sake of a smooth claiming process, policyholder is required to upload the following documents by logging in to OneDegree online system: 1.       Policyholder’s HKID 2.       Policyholder’s bank proof   You may also follow the instructions shown in the pictures below to log in to the online system with your OneDegree account to view the claim procedure and download the claim forms for InfiniCare:

Yes, you can claim another insurer for the same critical illnesses.

A claim must be submitted to us within six months of the diagnosis of critical illness or early-stage critical illness, or performance of critical illness surgery or early-stage critical illness surgery.