Critical Illness Insurance

In general, according to the provision, we will pay the benefit to the Policyholder.    However, 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. 

You can update the card used for payment by: 1. Log into our online portal  ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀  2. Select your policy card under the “Your Policies” section  ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀  3. You may edit the card info by clicking the ✏ icon under the “Payment” section

Yes, it is mandatory to upload copies of your HKID and bank proof through your OneDegree customer account before cancelling your Pet or Critical Illness policy. We require these documents to verify your identity and bank details, ensuring that the premium refund is processed quickly and accurately to the policyholder.   Here's how the process works:   1.     Once you submit your cancellation request, our initial attempt is to refund the premium to the payment card used for policy purchase. This refund typically takes 7-10 working days, depending on your card issuer.   2.     However, if the refund cannot be processed to your card for any reason, we need your bank details on file to redirect the payment. Uploading the copies of your Hong Kong ID and bank proof helps streamline the process and avoid delays in refunding. Therefore, policyholders are required to upload these documents to their account before submitting a policy cancellation request. 

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.   

You can submit 1) medical report and patient information application form and 2) OneDegree Critical Illness Claim Form to the related hospital department. During the claim application on our online portal, we will also ask you to provide the information of the doctor that you’ve consulted so that we can follow up with the claim.