Medical

Prestige MediCare

“Good health” enables you to aim higher and to live your dreams

Prestige MediCare is a one-stop medical insurance solution for the discerning individual. In the unfortunate event of your falling ill or suffering injury in an accident, the plan enables you to receive prompt, quality medical treatment, giving you total peace of mind as you recover and get your life back in order.

Lifetime Medical Protection up to

HK$30,000,000

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

Product Features

Lifetime Medical Protection up to HK$30,000,000

Full reimbursement of the actual expenses incurred before, during and after in-hospital treatment
Without limit on individual benefit items

Annual Deductible for Lower Premium

4 Options: HK$/MOP 0 / 15,000 / 30,000 / 100,000
The higher the deductible, the lower the premium
May change to a lower Annual Deductible before the policy anniversaries on or after your 50th, 55th, 60th or 65th birthday¹ without having to submit any satisfactory proof of insurability

¹ Request for reduction of the Annual Deductible must be submitted in writing before the policy anniversary on or immediately following the 50^th, 55^th, 60^th or 65^th birthday of the Insured. This option can be exercised once only and is irrevocable. Claims in respect of a Disability occurring after reduction of the Annual Deductible shall be subject to the reduced Annual Deductible.

Guaranteed Annual Renewal up to Age 100

Guarantees annual renewal up to age 100 regardless of your health condition or claim records

Cashless Hospitalization Service

We will settle the qualifying medical expenses directly with the hospital, giving you total peace of mind as you recover

Worldwide Emergency Assistance Benefits

Deposit guarantee for hospital admission
Emergency evacuation

No Claim Bonus

Up to 15% provided that the policy has been in force for three consecutive policy years and no claims were made under the plan

Consecutive years of policy in force and without claims	No Claim Bonus Rate
3	5%
4	10%
≥5	15%

Life Protection

In the unfortunate event that the Insured passes away, a death benefit of HK$ / MOP80,000 will be paid.

MediCare Concierge Services

Prestige MediCare offers a suite of MediCare Concierge Services, giving you access to a range of professional medical advice and quality concierge services in your moment of need.

MediNet Pro

The following services are available at more than 4,000 US hospitals within the MediNet Pro network:

second medical opinion provided by US medical specialists; and
quality treatment referrals in the USA, and assistance in obtaining the competitive pricing

PRC MediCare VIP Passage Service

If the Insured needs to seek medical treatment in China, VIP Passage allows prior booking and access to medical services offered by designated hospitals (including Grade 3A hospitals) within the network, without a long waiting period

Click here to view more about PRC MediCare VIP Passage Service Designated Hospital List (Only Simplified Chinese version is available)

Travel for Treatment VIP Services

A full range of VIP services for overseas treatment is also provided, including advice on hospital selection, choice of best medical facilities, visa application, and assistance in reservation of air tickets and hotel accommodation, etc.

Extended Family Protection

We understand that your hospitalization will inevitably affect your family. Through Extended Family Protection, we will assist you in taking care of your family and paying the relevant fees:

Arrange a home-helper to take care of house keeping, cooking and clothes washing, etc.
Arrange a child-carer to take care of unattended children aged below 12 (up to 2 children)
Arrange a health worker to take care of the Insured’s parent(s) over the age of 65 if suffering from illness or injury
Arrange escort personnel to handle hospital discharge, and arrange transportation to the Insured’s home

Product Brochure