Caring Family Medical Product Highlights Benefits Premium Table (HK$) Health Check-up Profiles Major Exclusions

Product Highlights
	24-hour comprehensive worldwide coverage
	Free Annual Health Check-up profile
	Free 24-hour Worldwide Emergency Assistance Benefits
	A choice of 4 benefit levels to suit your needs
	Free choice of physicians and hospitals
	Option for Supplementary Major Medical Benefits
	Option for Supplementary Outpatient Benefits

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Benefits
Basic Hospitalisation Benefits (click here for details)
	The Basic Hospitalisation Benefits are compulsory benefits which give protection for actual medical expenses incurred during hospitalization due to illness and injury to age 100.
Worldwide Emergency Assistance Benefits (click here for details)
	The Emergency Assistance Benefits are provided free of charge in association with the Basic Hospitalisation Benefits.
Supplementary Major Medical Benefits (click here for details)
	Option for the Supplementary Major Medical Benefits which gives an extra protection for major illness and serious injury and covers 80% of eligible expenses in excess of the basic hospital cover.
Supplementary Outpatient Benefits (click here for details)
	Option for the Supplementary Outpatient Benefits which gives protection for outpatient expenses and charges such as a consultation fee and cost of medicine, X-Ray and laboratory tests, prescribed medicines and drugs.
Basic Hospitalisation Benefits
Cover Limit per Disability (HK$) 　 HS600B HS1200B HS1700B HS2600B Benefit Level Ward Semi-Private Private Private 1. Hospital Room and Board per day (up to 180 days) 600 1,200 1,700 2,600 2. Physician's Visit per day (up to 180 days) 600 1,200 1,700 2,600 3. Miscellaneous Hospital Services 15,000 17,000 20,000 25,000 4. Surgeon's Fee (Subject to Surgical Schedule) 　 　 　 　 　 Complex Operation 72,000 87,000 102,000 126,000 　 Major Operation 24,000 29,000 34,000 42,000 　 Intermediate Operation 12,000 14,500 17,000 21,000 　 Minor Operation 4,800 5,800 6,800 8,400 5. Anaesthetist's Fee 　 　 　 　 　 Complex Operation 21,600 26,100 30,600 37,800 　 Major Operation 7,200 8,700 10,200 12,600 　 Intermediate Operation 3,600 4,350 5,100 6,300 　 Minor Operation 1,440 1,740 2,040 2,520 6. Operating Theatre Fee 　 　 　 　 　 Complex Operation 21,600 26,100 30,600 37,800 　 Major Operation 7,200 8,700 10,200 12,600 　 Intermediate Operation 3,600 4,350 5,100 6,300 　 Minor Operation 1,440 1,740 2,040 2,520 7. Specialist's Fee 5,000 7,000 9,000 11,000 8. Intensive Care Unit per day (up to 15 days) 5,000 6,000 7,000 8,000 9. Post Hospitalisation Treatment (within 31 days after discharge from hospital) 1,000 1,500 2,000 3,000 10. Accidental Dental Treatment (within 31 days after the accident) 2,000 3,000 4,000 5,000 11. Emergency Outpatient Treatment (Accident) (outpatient treatment in hospital) 1,000 1,500 2,000 3,000 12. Home Nursing per day (up to 60 days) 200 300 400 500 13. Companion's Bed for Child per day (up to 60 days) 200 300 400 500 　 Overall Limit Per Disability 454,200 727,200 965,200 1,364,600 14. Daily Cash Benefit (for confinement in general ward of Hospital Authority's hospital in Hong Kong) (up to 60 days) 200 300 400 500 15. Accidental Death Benefit 20,000 30,000 40,000 50,000 Emergency Assistance Benefits - Evacuation / Repatriation US$1,000,000
24-hour Worldwide Emergency Assistance Services
In case emergency assistance is needed while travelling abroad for a period not exceeding 90 days, the Worldwide Emergency Assistance Services provide the following services:
	24-hour telephone hotline service
	Emergency medical evacuation and repatriation (up to US$1,000,000)
	Guarantee of any required hospital admission deposit up to US$5,000
	Compassionate visit for more than 7 days of overseas hospitalisation (includes the cost of a returned economy class airfare and hotel accommodation up to US$250 per day at a maximum of US$1,000)
	Return of minor children to home country or usual country of residence
	Hotel accommodation for convalescence (up to US$250 per day at a maximum of US$1,000)
	Unexpected return in the event of the death of a close relative
	Transportation of mortal remains (up to US$1,000,000)
	Medical and legal referrals
	Lost luggage assistance
	Emergency travel service assistance
China Medical Assistance Services
In case of emergency requiring hospitalisation in Mainland China, by presenting the "China Medical Assistance Card", the insured member can be admitted to any one of the network hospitals without paying any admission deposit.
Supplementary Major Medical Benefits (Optional)
Supplementary Major Medical Benefits (SMM) provide additional benefits for items 1 to 8 under the Basic Hospitalisation Benefits (BHB). 80% of the excess amount of actual charges incurred over the amount of benefits payable under benefit items 1 to 8 of the BHB will be reimbursed.
Cover Limit per Disability (HK$) MC1B MC2B MC3B MC4B 60,000 120,000 180,000 240,000 Benefit Level Ward Semi-private Private Private
Note: If the hospital confinement is at a higher accommodation level than the insured benefit level, the Reimbursement % shall be reduced as follow: Ward to Semi-Private : 50% Ward to Private : 25% Semi-Private to Private : 50%
Supplementary Outpatient Benefits (Optional) (100% Reimbursement)
COVER LIMIT (HK$) 　 OP190B OP220B OP270B OP340B Consultation and Medicine per visit per day (Maximum 25 visits per year) 190 220 270 340 Physiotherapist's & Chiropractor's Treatment per visit per day (Maximum 10 visits per year) 190 220 270 340 Specialist's Consultation per visit per day (Maximum 10 visits per year) 290 330 410 510 Diagnostic X-Ray and Laboratory Tests per year 1,600 2,000 2,400 2,800 Prescribed Medicines and Drugs per year (From any legitimate source outside clinic) 2,400 3,000 3,600 4,200
Note: Written referral by the attending physician is required for Physiotherapist's & Chiropractor's Treatment, Specialist's Consultation, Diagnostic X-Ray & Laboratory Tests, Prescribed Medicines & Drugs.

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This summary gives only an outline of the terms and conditions of the insurance cover and any information given herein is subject to the precise terms and conditions in our Policy, a specimen copy of which will be furnished to you on request.