Guaranteed Renewal to Age 100
Room & Board and Surgeon's Fee
No Lifetime Benefit Limit
Tax Deduction
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
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.
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.
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.
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.
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.
In the event the Insured Person passes away during the benefit term, the Plan will offer a Compassionate Death Benefit to the Beneficiary.
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.
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:
|
| (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
|
| (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.
6. Only one policy holder is allowed per policy
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.
