Key Benefits

1

Outpatient Surgery Cash Allowance

2

Full Refund for Hospital Special Services Fee

3

Free Vision Care Check-up

4

No Schedule on Surgical Fee, Anaesthetist’s Fee & Operating Theatre

5

Cashless Gastroscopy/Colonscopy at Appointed Endoscopic Centre4

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  Plan 1 Plan 2A Plan 2
Room Class1 Ward Semi-Private Semi-Private
Annual Overall Limit
  Plan 1 Plan 2A Plan 2
Room Class1 Ward Semi-Private Semi-Private
Annual Overall Limit
per person, per policy year
HK$150,000 HK$350,000 HK$500,000
Basic Cover
  Plan 1 Plan 2A Plan 2
Room Class1 Ward Semi-Private Semi-Private
Section 1
Room & Board Charges
- limit per day
Maximum number of days per policy year

HK$880 per day
365 days

HK$1,350 per day
365 days

HK$2,000 per day
365 days
Section 2
Hospital Special Services
- per policy year
Fully covered Fully covered Fully covered
Section 3
Intensive Care Unit
 - limit per day
Maximum number of days per policy year

HK$1,400 per day
20 days

Per day HK$1,800 per day
365 days

HK$2,300 per day
365 days
Section 4
In-Hospital Doctor’s Consultation
- limit per day
Maximum number of days per policy year

HK$880 per day
365 days

HK$1,350 per day
365 days

HK$2,000 per day
365 days
Section 5
In-Hospital Specialist’s Consultation2
 - limit per day
Maximum number of days per policy year

HK$1,200 per day
365 days

HK$1,500 per day
365 days

HK$2,400 per day
365 days
Section 6
Companion Bed

(accompanied by a dependent child below the age of 18)

HK$450 per day
Maximum 365 days

HK$550 per day
Maximum 365 days

HK$650 per day
Maximum 365 days
Section 7
Surgical Fee
 - per policy year
(No Schedule)
HK$40,000 HK$70,000 Fully covered
Section 8
Anesthetist’s Fee
 - per policy year
(No Schedule)
HK$16,000 HK$28,000 Fully covered
Section 9
Operating Theatre
 - per policy year
(No Schedule)
HK$16,000 HK$28,000 Fully covered
Section 10
Inpatient/ Outpatient Oncology Treatment
or Kidney Dialysis
 - per policy year
HK$55,000 HK$80,000 HK$110,000
Section 11
Day Surgery
 - per policy year
HK$13,000 HK$20,000 HK$26,000
Section 12
Cashless Gastroscopy/Colonoscopy at
Appointed Endoscopic Centre

A pre-admission assessment is required
Fully covered Fully covered Fully covered
Section 13
Pre-Hospitalisation Treatment
- per policy year
Maximum consecutive 30 days prior to hospital admission
HK$2,000 HK$3,000 HK$4,000
Section 14
Post-Hospitalisation Treatment 
- per policy year
Maximum consecutive 90 days from the day of discharge
HK$2,000 HK$3,000 HK$4,000
Section 15
Nursing At Home

Within 60 days following hospital discharge, maximum 15 days per policy year
HK$400 per day HK$500 per day HK$600 per day
Section 16
Clinical Lab Test (for diagnostic purpose)
 - per policy year
HK$800 HK$1,300 HK$2,000
Section 17
4Outpatient/Day Surgery Cash Allowance

(per surgical day case procedure)
HK$600 HK$700 HK$900
Section 18
Daily Cash Benefit

Ward room confinement in HA hospital with 2 consecutive nights’ confinement
Maximum number of days per policy year


HK$600 per day

18 days


HK$800 per day

18 days


HK$1,000 per day

18 days
Free Overseas Emergency Medical Evacuation
Applicable to member under the age of 70
HK$2,000,000 HK$2,000,000 HK$2,000,000
Vision Care Check-Up Once per year Once per year Once per year
Extended Benefits for Insured Children
(under age of 18)
  Plan 1 Plan 2A Plan 2
  Ward Semi-Private Semi-Private
Gifts for Baby (under age of 3)
Shopping Vouchers - once per new insured member
HK$500 HK$1,000 HK$1,500

Day Surgery Benefits (Section 11) - The maximum limit would be doubled, if the accident is resulted from and occurred at school.
If the insured member, aged under 18, is diagnosed with one of the following diseases, the maximum limit of the Hospitalisation Benefits (Section 1-9 and 11, 13-14) will be increased by 20%:

  • Meningitis, Tympanitis, Nephritis, Pneumonia, any complications caused by Chickenpox

1 If the confinement in accommodation of one level higher than as stated the reimbursement percentage of Hospitalisation Benefits and SMM will be reduced to 50% and likewise 25% for two levels higher than as stated

2 Referral by attending physician in writing is required

3 The total amount payable for item 13 and 16 cannot exceed the maximum limit of item 13

4 Only applicable to the following day case procedures: gastroscopy (including esophagogastroduodenoscopy), colonoscopy, cystoscopy, arthroscopy, colposcopy, and bronchoscopy
 

  Plan 1 Plan 2A Plan 2
Room Class1 Ward Semi-Private Semi-Private
Optional Cover - Supplementary Major Medical Benefits
  Plan 1 Plan 2A Plan 2
Room Class1 Ward Semi-Private Semi-Private
Maximum Limit - per policy year HK$110,000 HK$150,000 HK$180,000
Reimbursement Percentage 80% 80% 80%
Deduction per claim NIL NIL NIL
Optional Cover - Panel Network Doctor Outpatient Benefits
  Plan 1 Plan 2A Plan 2
Room Class1 Ward Semi-Private Semi-Private
Section 1
General Doctor’s Consultation
- 1 visit per day
Maximum 20 visits per policy year
(Inclusive of 3 days of ordinary medication)
Co-payment HK$20 per visit Co-payment HK$20 per visit Co-payment HK$20 per visit
Section 2
Chinese Herbalist Consultation 
- 1 visit per day
Maximum 10 visits per policy year
(Inclusive of 2 days of ordinary medication)
Co-payment HK$40 per visit Co-payment HK$40 per visit Co-payment HK$40 per visit
Section 3
Special Consultation 
- 1 visit per day
Maximum 10 visits per policy year
Subject to the Network Doctor’s written referral letter
(Inclusive of 3 days of ordinary medication)
Co-payment HK$40 per visit Co-payment HK$40 per visit Co-payment HK$40 per visit
Section 4
Diagnostic X-ray/Laboratory Test

(Subject to the Network Doctor’s written referral letter)
No co-payment (per visit)
Limit per policy year: HK$2,000
No co-payment (per visit)
Limit per policy year: HK$2,000
No co-payment (per visit)
Limit per policy year: HK$2,000

Optional Cover - Supplementary Major Medical Benefits

  • Apply after any item of Section 1-10 under “Hospitalisation Benefits” is exhausted
  • In the case of overseas hospitalisation, only medical emergency cases will be covered


Optional Cover - Panel Network Doctor Outpatient Benefits

  • Items in Section 1 to 2 shall be limited to either one visit per day


5 Family Cover Discount: 5% discount on the first year total premium will be offered to any application with one or more family members. Family member includes only the spouse or child(ren)

Notes

Persons Eligible to Apply
  • Insured and Legal Spouse below 65 years old and children (unmarried and unemployed) between 15 days old and below 18 years old
  • Proposal for children must include at least one parent and the choice of plan for child must be equal to that of the parent(s)
  • Hong Kong residents
Major Exclusions

All terms and conditions are subject to the Policy

  • Mental illness and psychiatric disorders (e.g. depression, etc.)
  • Any medical services associated with pregnancy and contraceptive technique
  • Birth defects and congenital illnesses or cosmetic surgery
  • Dental treatment or oral surgery, eye refraction, and ear examinations
  • Injury or sickness arising directly or indirectly from war, strike, riot, revolution, or any
    warlike operation or participation in illegal acts
  • Prostheses, corrective devices special braces, appliances, wheelchairs, crutches or other
    equipment
  • Self-inflicted injury, suicide, abuse of alcohol, drug addiction or abuse
  • Vaccination and any preventive treatment
  • Sexually transmitted or venereal disease, AIDS, ARC, and their sequelae
  • Hospitalisation primarily for diagnoses or X-ray examinations or physical therapy or routine medical examinations unless recommended by a registered physician
  • Medical services not in accordance with the diagnosis and treatment of the condition for which the hospital confinement is required
  • Pre-existing conditions
  • Rest cures or sanitary care
  • Any benefits covered employees’ compensation scheme or other insurance plans
  • Non-approved medical transportation
  • Special Nursing Care and Private Nursing
  • All expensive nutrient herbs and tonic or drugs may be purchased without any Registered Medical Practitioners’ prescription, alternative treatment, experimental treatment
Exclusions for Panel Network Doctor Outpatient Benefits
  • Radiotherapy or investigation or treatment involving radioactive isotopes
  • Any special expensive and long-term medication or treatment including but not limited to Anti-Cancer and Anti-Viral medication
  • Any treatment outside the appointed network
  • MRI, CT Scan any single item of X-ray & Laboratory test exceeds HK$1,000
  • Any matter associated with kidney dialysis and tuberculosis

The information contained in this page is intended as a general summary. For more details, please refer to our brochure and policy.

If the applicant takes both Hospitalisation and Outpatient Benefits, only yearly payment will be offered.

If an employer purchases this plan for their employees as employee benefits, only yearly-payment will be offered.

Acceptance of some occupations will be subject to underwriting. Special loading may apply.

This insurance plan is unavailable to permanent residents outside Hong Kong. The purchase of this insurance plan by permanent residents outside Hong Kong will render the policy null and void.