CLAIMS MANUAL 
1. Introduction ............................................................................................................................. .......................2  
2. Claims Requirement ............................................................................................................................. .........2  
2.1 Accident Claims............................................................................................................................. .......2  
2.2 Hospital Claim ............................................................................................................................. .........3  
2.3 Waiver of Premium Claim ....................................................................................................................4  
2.4 Critical Illness Claim ............................................................................................................................. 5 
2.5 Death Claim............................................................................................... ................... ............ ...........6 -7 
2.6 Special Benefits..................................................................................................... ...............................8  
3. Completing Claim Form Part 2 (CFII) ............................................................................. ...............................8  
3.1 Require Document for Applying Claim Form Part 2 at HA Hospital...................... ...............................8  
3.2 Require Document for Applying Claim Form Part 2 at Private Hospital ............... ...............................8  
4. Waiving Claim Form Part 2 Requirement ..................................................................................................... .9 
4.1 Accident Claim ...................................................................................................... ...............................9  
4.2 Hospital Claim ....................................................................................................... ...............................9  
5. Applying Death Certificate in Hong Kong ....................................................................... ...............................9  
6. Applying Letters of Administration or Probate in Ho ng Kong ......................................... ........................... ..10 
6.1 Waiver of Letter of Administration …………………………………… ...................... ............................ 10 
7. Appendix I – Gen