Medical

Hospital Benefits

The best way to care for yourself and show your love for your family is to have comprehensive medical insurance in place - because nothing is more valuable than good health.

Comprehensive Hospital & Surgical Plus gives you extra peace of mind, three optional extra benefits are available, including Extra Major Medical Benefit, Extra Cancer Benefit and Hospital Income Benefit.

Total maximum payable per disability over

HK$1,900,000

Issue Age
Age 0 - 70
Benefit Term
To Age 100
Premium Payment Term
To Age 100

Product Features

Lifetime Coverage Till Age 100

This yearly renewal plan offers a benefit term up to age 100
The coverage may be reviewed upon renewals¹ in order to ensure adequate protection for you and to combat soaring medical costs. Renewal premium will be adjusted based on the attained age of the Insured and at the premium rate in effect of the same level of benefit at the time of renewal

^1. A written notice will be given no less than 30 days prior to each policy anniversary date regarding the adjustment of benefit coverage, premium, or non-renewal of the policy.

No Claim Bonus

Provided that the policy has been in force for three consecutive policy years and no claims were made under the Hospital & Surgical Plus and Extra Major Medical Benefit, you will be entitled to a No Claim Bonus discount for both benefits upon paying the renewal policy premium
The discount is based on a percentage of the annual premium of the preceding year up to a maximum of 15%

Worldwide Emergency Assistance Benefits

Wherever in the world you happen to be, the plan is available around the clock and it offers free "Worldwide Emergency Assistance Benefits" in the event of an emergency
Instant assistance, including deposit guarantee for hospital admission and emergency evacuation, will be available through Inter Partner Assistance Hong Kong Ltd.

Extra Major Medical Benefit

If the actual hospital expenses² incurred are in excess of those covered by Hospital & Surgical Plus, this Benefit will pay for a maximum reimbursement of over HK$440,000

^2. Cancer Treatment Benefit, Renal Dialysis Benefit, Home Nursing Benefit and Post-surgery Out-patient Treatment are not included.

Extra Cancer Benefit

Provides adequate financial support for cancer therapy, with a maximum reimbursement of actual expenses per cancer up to HK$2,000,000³

^3. The followings are not included:

Treatment undergone solely for complications and adverse effects of cancer treatment;
Cost of surgical procedures except specifically covered;
Room and board charges.

Hospital Income Benefit

Provides a daily cash benefit⁴ of up to HK$1,200
While receiving treatment in an Intensive Care Unit, this Benefit will be doubled, up to HK$2,400 per day
24-Hour coverage, available all around the world⁵

^4. The maximum combined daily benefit from both Hospital Income Benefit and Money-Back Hospital Income Protector for the same insured person with the Company is HK$1,200. And the maximum combined daily benefit from Hospital Income Benefit, Money-Back Hospital Income Protector, Lifetime Health Protector, Whole Life MediCare and Refundable Hospital Cash Plan for the same insured person with the Company is HK$2,000. The Company reserves the right to make adjustments of the maximum combined daily benefit without any prior notice.
^5. Hospital Income Benefit is available around the world, including North America, Europe, Australia, New Zealand, Japan, Singapore, Malaysia, Taiwan, South Korea, Hong Kong and Macau. For Confinement in other areas, half of the daily benefit is available, for up to a maximum of 90 days.

Extensive Coverage

Hospital & Surgical Plus provides you with comprehensive coverage and reimburses the actual hospitalization and medical expenses incurred due to sickness or accident. It gives you total peace of mind hospitals without suffering any devastating financial setbacks. There are 5 plan levels to choose from, with a total maximum payable per disability over HK$1,900,000.

Hospitalization Benefit

In-hospital Doctor's Call, In-hospital Specialist Consultation, Surgical Benefit. Intensive Care, Hospital Companion Bed¹ and Room, Board and General Nursing Benefit.

Clinical Surgery Benefit

Some specified surgical procedures performed in the day case unit of a Hospital or a clinic² in Hong Kong/ Macau are also eligible for the benefit, including removal of cataract, colonoscopy, gastroscopy and removal of stones in bladder by endoscopic treatment.

Convalescence

Home Nursing Benefit, Post-surgery Out-patient Benefit.

Others

Chemotherapy, radiotherapy for cancer treatment and renal dialysis performed in Hospital or in the day case unit of a Hospital or a clinic² in Hong Kong/ Macau are also covered.

^1. Subject to one extra bed.

^2. The Company reserves the right to determine the eligibility of a clinic.

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