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Guard Your Health Medical Insurance Plan

A balanced diet and moderate exercise will help you maintain a healthy body; however, you still need a reliable medical protection plan that allows you to focus on your recovery. Guard Your Health Medical Insurance Plan (the “Plan”) not only provides hospital confinement and surgical protection, but also extends coverage to pre- and post-confinement and day case procedure outpatient care – a Plan that takes good care of you when you need it most.

This Plan is Voluntary Health Insurance Scheme Standard Plan and the Certification Number: S00021-01-000-01.
Voluntary Health Insurance Scheme Provider Registration No: 00021 (Registration Effective Date: 28 Feb 2019).
續保至100歲

Guaranteed Renewal to Age 100

賠償住院及手術開支

Room & Board and Surgeon's Fee

不設終身保障限額

No Lifetime Benefit Limit

稅務優惠

Tax Deduction

Enrolment Terms

Issue Age : From 15 days after birth to 80 years old

Policy Currency : HKD

Premium Payment Term : To age 99 of the Insured Person

Benefit Term : To age 100 of the Insured Person

Premium Payment Method : Annual or Monthly

Plan Features


Guaranteed Renewal to Age 100

Guaranteed Renewal to Age 100

So long as you have enrolled in the Plan successfully, the Plan is guaranteed to renew to age 100 regardless of your health condition and claim history after enrollment.

Room & Board and Surgeon's Fee

Room & Board and Surgeon's Fee

Regardless of the ward to which you are admitted in the Hospital, the expenses related to Room& board, Attending doctor's visit fee, Specialist's fee, surgical fees and Miscellaneous charges are covered, releasing you from any kind of financial burden. Please refer to the Benefit Schedule in the brochure for the benefit amount of each item.

Extended Benefit - Pre- and post-Confinement/Day Case Procedure Outpatient Care

Extended Benefit - Pre- and post-Confinement/Day Case Procedure Outpatient Care

The Plan not only provides hospital confinement and surgical benefits, it also covers the expenses related to pre- and post-confinement / day case procedure outpatient care.

Prescribed Non-surgical Cancer Treatments, Prescribed Diagnostic Imaging Tests and Psychiatric Treatments

Prescribed Non-surgical Cancer Treatments, Prescribed Diagnostic Imaging Tests and Psychiatric Treatments

The cost for treating cancer is expensive. This is why the Plan offers coverage on Prescribed Non-surgical Cancer Treatment procedures, including radiotherapy, chemotherapy,targeted therapy, immunotherapy and hormonal therapy. The benefit amount per Policy year is HKD80,000. Furthermore, the Plan also covers Prescribed Diagnostic Imaging Tests (e.g. MRI) for the investigation or treatment of a Disability, as well as Psychiatric treatments during the Confinement in Hong Kong.

No Lifetime Benefit Limit whilst Covering Pre-existing Conditions

No Lifetime Benefit Limit whilst Covering Pre-existing Conditions

There is no Lifetime benefit limit set in the Plan but it is subject to an aggregate benefit limit of HKD420,000 for each year. In addition, pre-existing conditions are also covered where certain limitation are applied in the first 3 years after the Plan becomes effective. For more information, please refer to item 6 of the Important Note stated in this product brochure.

Compassionate Death Benefit

Compassionate Death Benefit

In the event the Insured Person passes away during the benefit term, the Plan will offer a Compassionate Death Benefit to the Beneficiary.

Tax Deduction

Tax Deduction

The Plan is a qualified Voluntary Health Insurance Scheme where the Policy Holder may enjoy a tax deduction. Please refer to the information provided by the government of the Hong Kong Special Administrative Region for details.


Benefit Schedule

Voluntary Health Insurance Scheme Standard Plan and the Certification Number: S00021-01-000-01

Benefit items(1) Benefit limit
(a) Room and board HKD750 per day
Maximum 180 days per Policy Year
(b) Miscellaneous charges HKD14,000 per Policy Year
(c) Attending doctor's visit fee HKD750 per day
Maximum 180 days per Policy Year
(d) Specialist's fee(2) HKD4,300 per Policy Year
(e) Intensive care HKD3,500 per day
Maximum 25 days per Policy Year
(f) Surgeon's fee Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures:
  • Complex HKD50,000
  • Major HKD25,000
  • Intermediate HKD12,500
  • Minor HKD5,000
(g) Anaesthetist's fee 35% of Surgeon's fee payable(5)
(h) Operating theatre charges 35% of Surgeon's fee payable(5)
(i) Prescribed Diagnostic Imaging Tests(2)(3) HKD20,000 per Policy Year
Subject to 30% Coinsurance
(j) Prescribed Non-surgical Cancer Treatments(4) HKD80,000 per Policy Year
(k) Pre- and post-Confinement/Day Case Procedure outpatient care(2) HKD580 per visit, up to HKD3,000 per Policy Year
  • 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure
  • 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
(l) Psychiatric treatments HKD30,000 per Policy Year
Other limits
Annual Benefit Limit for benefit items(a) – (l) HKD420,000 per Policy Year
Lifetime Benefit Limit for benefit items (a) – (l) Nil
Other benefit
Compassionate death benefit HKD10,000

1. Eligible Expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above.
2. China Life (Overseas) shall have the right to ask for proof of recommendation e.g. written referral or testifying statement on the claim form by the attending doctor or Registered Medical Practitioner.
3. Tests covered here only include computed tomography (“CT” scan), magnetic resonance imaging (“MRI” scan), positron emission tomography (“PET” scan), PET-CT combined and PET-MRI combined.
4. Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
5. The percentage here applies to the Surgeon's fee actually payable or the benefit limit for the Surgeon's fee according to the surgical categorisation, whichever is the lower.

Notes:

1. Confinement means an admission of the Insured Person to a Hospital that is recommended by a Registered Medical Practitioner for Medical Service and as an Inpatient as a result of a Medically Necessary condition for a period of no less than 6 consecutive hours. No minimum period is required for Confinement in connection with any Emergency Treatment in a Hospital as a result of an Emergency for the performance of a surgical procedure or other Medical Service in a Hospital.

2. Day Case Procedure means a Medically Necessary surgical procedure for investigation or treatment to the Insured Person performed in a medical clinic, or day case procedure centre or Hospital with facilities for recovery as a Day Patient.

3. Coinsurance means a percentage of Eligible Expenses the Policy Holder must contribute after paying the Deductible (if any) in a Policy Year. For the avoidance of doubt, Coinsurance does not refer to any amount that the Policy Holder is required to pay if the actual expenses exceed the benefit limits under the Policy.

4. Medically Necessary mean the need to have medical service for the purpose of investigating or treating the relevant Disability in accordance with the generally accepted standards of medical practice.

5. Hospital means an establishment duly constituted and registered as a hospital under the laws of the relevant territory in which it is established, which is for providing Medical Service for sick and injured persons as Inpatients, and which (a) has facilities for diagnosis and major operations; (b) provides 24 hours nursing services by licensed or registered nurses; (c) has 1 or more Registered Medical Practitioners; and (d) is not primarily a clinic, a place for alcoholics or drug addicts, a nature care clinic, a health hydro, a nursing, rest or convalescent home, a hospice or palliative care centre, a rehabilitation centre, an elderly home or similar establishment.

Terms and Conditions

Please refer to the Policy documents for the complete definitions of the capitalised terms, as well as all the terms and conditions of this product. In the event of any dispute, China Life (Overseas) reserves the right to the final decision in deciding whether or not to accept the application and provide the insurance coverage.

This shall not be construed as any provision of or offer to sell or solicitation to buy any insurance product outside Hong Kong. China Life (Overseas) does not provide or offer to sell any insurance product outside Hong Kong.

 

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