Get your rejected claim reviewed

Ask the insurer for the reason in writing and the clause it relies on. Check that clause against your policy wording. If you still disagree after the insurer's internal review, you can file with the Insurance Complaints Bureau (ICB) within 6 months of the insurer's final decision. The ICB takes complaints on personal policies only, up to HK$1,500,000, free of charge. Business, industrial and third-party policies are outside its scope. A second opinion helps you decide whether to push back and on what point.

Write to the insurer and ask it to review the decision. Name the reason it gave, quote the clause, and say why the wording or the facts do not support it. Attach any document it said was missing. Keep the reply in writing; the dispute body asks for the insurer's final reply.

Yes. Ask the insurer for its calculation in writing. Most cuts come from the excess, depreciation, a sub-limit, or the average clause where the sum insured was too low. Each one is a figure you can check against the schedule and the wording.

It can, if you did not disclose a fact it asked about, or a fact that would have changed its terms. Ask which question on the proposal form it relies on, and compare it with the answer you gave.

Not to start. The ICB is free and takes personal policies. For a business policy, or for court action, speak to a lawyer.

An adviser who did not sell you the policy and is not paid on this claim. Advisers are paid commission by insurers when they place policies; a review never involves the adviser who placed yours.

A reading of your policy and the insurer's decision by someone who was not involved in the sale or the claim. It shows which reasons hold up against the wording and which do not.

No. The review explains how the policy wording applies to each reason in the insurer's letter. We do not act for you, contact the insurer, negotiate, or prepare documents for any proceeding. For court action, speak to a lawyer.

Yes. An AI model reads the documents first. A person checks the reading before the call.

US$10 for a personal claim and US$200 for a business claim, per review. You pay by card on a Stripe payment page after sending the claim details. The price never depends on what the insurer pays.

The PDF report arrives by email within 24 hours of receiving your documents. A broker then follows up in the same email thread.

Each reason the insurer gave, the clause it relies on, the wording quoted, and a finding: supported by the wording, not supported, or unclear. It ends with the questions to put back to the insurer and the deadline for the dispute body.

Personal: travel, health, motor, home, personal accident, life and critical illness. Business: fire and property, business interruption, public and product liability, professional indemnity, work injury, cargo, burglary and fidelity.

The policy schedule and full wording, the claim form, the insurer's decision letter, and any emails with the insurer or a loss adjuster. Photos, receipts and reports help where the loss is disputed.