Outside Area of cover |
All areas covered |
Emergency treatment only |
Annual Limit |
HKD22,000,000 USD2,750,000 RMB17,600,000 |
HKD16,000,000 USD2,000,000 RMB12,800,000 |
HKD10,000,000 USD1,250,000 RMB8,000,000 |
Annual Deductible |
Plan 1 : HKD0/ USD0/ RMB0
Plan 2 : HKD9,000 / USD1,125/ RMB7,200
Plan 3 : HKD28,000/ USD3,500/ RMB22,400 Plan 4: HKD100,000/ USD12,500/ RMB80,000 Plan 5: HKD500,000/ USD62,500/ RMB400,000 |
Entitled Level of Accommodation |
Standard Private Room1 |
Benefit Items |
Maximum Benefit Limit |
1. Confinement Benefits
|
a. Hospital Room & Board Benefit |
Full cover |
b. Physician's Visit’s Fee |
Full cover |
c. Specialist's Fee |
Full cover |
d. Miscellaneous Hospital Expenses Benefit
|
Full cover |
e. Intensive Care Benefit |
Full cover |
f. Hospital Companion Bed Benefit |
Full cover |
g. Private Nurse's Fee Max. number of days per policy year |
Full cover 90 Days |
Full cover 60 Days |
Full cover 30 Days |
h. Hospital Cash Benefit (per day) (applicable to stay in a ward room of a Hong Kong public hospital)
|
HKD2,000/ USD250/ RMB1,600 |
i. Lower Room Class Cash Benefit (per day)
(applicable to Standard Private Room in private Hospital in Hong Kong or Macau only)
Max. number of days per Policy Year
|
HKD2,000/ USD250/ RMB1,600
30 days |
j. Psychiatric Treatment Benefit (per Policy Year)
Maximum number of days per policy year |
HKD60,000/ USD7,500/ RMB48,000 30 Days |
HKD50,000/ USD6,250/ RMB40,000 30 Days |
HKD40,000/ USD5,000/ RMB32,000 30 Days |
2. Surgical Benefits |
a. Surgeon's Fee |
Full cover |
b. Anaesthetist's Fee |
Full cover |
c. Operation Theatre Fee |
Full cover |
d. Day Case Surgery Fee |
Full cover |
e. Cash Allowance for Day Case Surgery (per procedure) |
HKD2,000/ USD250/ RMB1,600 |
HKD1,500/ USD187.5/ RMB1,200 |
HKD1,000/ USD125/ RMB800 |
f. Organ Transplant Benefit13 |
Full cover |
g. Medical Appliances Benefit |
Full cover for designated medical appliances14 (HKD100,000/ USD12,500/ RMB80,000 per policy year for non-designated medical appliances) |
3. Pre- &Post-hospitalization Benefits |
a. Pre-Hospitalization Outpatient (within 31 days before Confinement or day case surgery, 1 visit per day) |
Full cover |
b. Post-Hospitalization Outpatient (within 60 days immediately after Discharge from Hospital or Day Case Surgery, 1 visit per day) |
Full cover |
c. Post-Hospitalization Home Nursing Fee Max. number of days per policy year |
Full cover 365 Days |
Full cover 183 Days |
Full cover 90 Days |
d. Post-Hospitalization Ancillary Service Benefit (within 90 days immediately after Discharge from Hospital or Day Care Surgery, 1 visit per day) - Registered Physiotherapist/ Chiropractor/ Speech Therapist/ Osteopathic Therapist/ Occupational Therapist/ Dietitian |
Full cover |
e. Rehabilitation Benefit (per policy year) Max. number of days per policy year |
HKD80,000/ USD10,000/ RMB64,000 60Days |
4. Extended Benefits |
a. Cancer Treatment Benefit (Including chemotherapy, radiotherapy, targeted therapy, hormonal therapy, immunotherapy, proton therapy and heavy-ion therapy, cyberknife and gamma knife performed on the Insured, and the consultation, medication and diagnostic tests for and in the course of these treatments) |
Full cover |
b. Kidney Dialysis Benefit9
|
Full cover |
c. Reconstructive Surgery Benefit (per Covered Injury / per Covered Illness)
|
HKD120,000 / USD15,000 / RMB96,000 |
d. Stroke Rehabilitation Benefit (i) Home Facility Enhancement Benefit (per life)
|
HKD60,000/ USD75,000/ RMB48,000 | HKD50,000/ USD6,250/ RMB40,000 | HKD40,000/ USD5,000/ RMB32,000 |
(ii) Stroke Ancillary Benefit (Chiropractor / Physiotherapist / Speech Therapist / Occupational Therapist / Neurosurgeon / Neurologist / Chinese medicine practitioner) |
HKD1,000/ USD125/ RMB800 (30 visits per Policy Year )
HKD100,000/
USD125,000/ RMB80,000 (per Insured per life) | HKD800/ USD100/ RMB640 (20 visits per Policy Year ) HKD80,000/
USD10,000/ RMB64,000 (per Insured per life) | HKD600/ USD75/ RMB480 (20 visits per Policy Year ) HKD60,000/
USD7,500/ RMB48,000 (per Insured per life) |
(iii) Disability Subsidy Benefit (per month)
(up to 30 months per life) |
HKD6,400 / USD800 / RMB5,120 |
e. HIV/AIDS Treatment10 (Waiting period: 5 years) (per Insured per life) |
HKD1,000,000/ USD125,000/ RMB800,000 |
HKD1,000,000/ USD125,000/ RMB800,000 |
Not Applicable |
f. Traditional Chinese Medicines Benefit (within 90 days immediately after Discharge from Hospital or Day Case Surgery, 1 visit per day) Max. number of visits per Policy Year |
HKD1,000/ USD125/ RMB800 (per visit)
20 visits |
HKD800/ USD100/ RMB640 (per visit)
20 visits |
HKD600/ USD75/ RMB480 (per visit)
20 visits |
g. Hospice Care Benefit (per Insured per life) |
HKD200,000/ USD25,000/ RMB160,000 |
HKD150,000/ USD18,750/ RMB120,000 |
HKD100,000/ USD12,500/ RMB80,000 |
h. Pregnancy Complications (Waiting period : 1 year) |
Full cover |
Full cover |
Not Applicable |
5. Emergency Treatment Benefits |
a. Emergency Outpatient |
Full cover |
b. Emergency Dental due to Accident |
Full cover |
6. Death Benefits |
a. Compassionate Death Benefit |
HKD80,000/ USD10,000/ RMB64,000 |
b. Additional Accidental Death Benefit |
HKD80,000/ USD10,000/ RMB64,000 |
7. Other Services15 |
a. Health checkup
|
Once every 2 years |
b. 24-hour Worldwide Emergency Assistance Service
|
Included |
c. Medical Second Opinion Service
|
Included |
d. Hospitalization Direct Billing Service (Cashless Hospitalization Service)
|
Included |
e. Medical Appointment Scheduling Service in Mainland China |
Included |
f. Medical Concierge Service in Mainland China |
Included |
g. Medical Appointment Scheduling Service in Hong Kong |
Included |
h. Medical Concierge Service in Hong Kong |
Included |