Key Benefits


Guarantee renewal up to age 100 and subject to pool rating1


Top up of hospitalisation benefits up to HK$1,500,000 per year


Target therapeutic medications up to HK$1,500,000 per lifetime


Extended to cover outpatient Oncology treatment


Premium as low as HK$2 per day

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Compare our plans in details, you'll definitely find something that suits you


Room Level Options2

Ward Semi-Private Private
Overall Annual Limit

Room Level Options2

Ward Semi-Private Private
Overall Annual Limit HK$1,500,000 HK$1,500,000 HK$1,500,000
Annual Deductible Options

Room Level Options2

Ward Semi-Private Private
Annual Deductible Options HK$50,000 / HK$80,000 / 
HK$50,000 / HK$80,000 / 
HK$50,000 / HK$80,000 / 
Other Benefits

Room Level Options2

Ward Semi-Private Private
Hospitalisation & Surgical Benefits Fully covered Fully covered Fully covered
Pre and Post-Operation Treatment
Maximum limit per year
Include 1 pre-operation consultation and post-operation follow-up visits within 30 days after hospital discharge
HK$10,000 HK$10,000 HK$10,000
Special Nursing Care in Hospital3
Maximum limit per year
HK$10,000 HK$10,000 HK$10,000
Companion Bed
Accompanied dependent child below age 18
Fully covered Fully covered Fully covered
Day Case: Gastroscopy & Colonoscopy Benefits3
Maximum limit per year
HK$12,500 HK$17,500 HK$22,500

Coordination of Benefit - This plan will be paid after any other in-force insurance policy(ies) or indemnity source(s).

1 The benefits, terms and conditions and the premium rates may be revised at pool level upon policy renewal. Premium charged at renewal will also be based on your age. We guarantee to renew your policy as long as you meet the requirements as stated in the renewal clauses on the Plan Rules. For details, please refer to your
Insurance Consultant and Plan Rules.
2 If the Insured Member confined the room level which is higher than the chosen level, an adjustment factor will be applied
3 A written referral from the attending registered physician is required


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
  • Pre-existing conditions
  • Any medical services associated with pregnancy/fertility/contraceptive technique/sterilisation
  • Birth defects or congenital illness(es)
  • Cosmetic surgery
  • Treatment for Hepatitis B/C/D Virus and/or liver disorders while the Insured Member is a known Hepatitis B/C/D carrier prior to the policy inception date
  • Dental treatment or oral surgery
  • Routine medical/eye/ear examination (including the cost of spectacles, contact lenses and hearing aids, correction of eye visions)
  • Treatment for injury or sickness resulting directly or indirectly from terrorism, war, riot, civil commotion or any warlike operation or participation in illegal acts
  • Mental illness/psychiatric disorder (for e.g. depression, etc)
  • Prostheses, corrective devices, special braces, implant appliances, pacemaker, wheelchair, crutches or other equipment
  • Hospitalisation primarily for diagnosis or X-ray examination or physical therapy or routine medical examination unless recommended by a registered physician
  • Self-inflicted injury, suicide, abuse of alcohol, drug addiction or abuse
  • Sexually transmitted or venereal diseases, AIDS, ARC, and their sequelae
  • Long term care facility, spa, hydro-clinic, rest curse, and sanatorium
  • Any expenses for health supplements and all specialised Chinese herbs and/or tonic medicine such as but not limited to bird’s nest, lingzhi, ginseng, cordyceps sinensis, agaricus blazei murill, sika deer antler, etc
  • Non-Hong Kong residents (unless otherwise agreed)

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