Medical Plan
| MediPro 100 |
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This plan helps relieve the worry of unforeseen medical expenses, and offers flexible and comprehensive medical coverage up to age 100.
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This plan offers flexible and comprehensive protection up to age 100. Medical coverage includes surgical fees, hospital fees, and other miscellaneous hospital charges. |
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You can also add extra protection to your policy with the optional Booster Benefit. This optional benefit entitles extra medical coverage up to age 75. |
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To help best suit your personal needs, this plan offers four flexible levels of medical coverage, including Economy, Standard, Superior and Premier. |
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A 10% discount on the renewal premium will be offered to you if no claim has been made for two consecutive years, immediately prior to the policy's renewal. |
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You can enjoy the services of the International SOS 24-hour Worldwide Assistance Program with the benefits including Telephone Medical Advice, Emergency Medical Evacuation, Emergency Medical Repatriation and Repatriation of Mortal Remains.
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| Remark: This plan will be renewed annually up to the expiry age as stated in the policy contract. The renewal premium will be based on the attained age of the Insured and the applicable premium rate table upon renewal. Such premium rate table is not fixed and the Company reserves the right to revise it from time to time. By giving a 30-day prior written notice, we may revise the benefit structure, premium, and any other product features as determined by us, or cancel the policy. |
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| MediSaver |
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MediSaver offers lifelong medical coverage and prepares a medical savings account especially for medical needs. This plan helps you handle the burden of medical expenses when you are hospitalized as well as provide an extra medical savings bonus to help save more money for the future.
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You may choose a 15- or 20-year premium payment period#, to enjoy medical coverage amounts up to a maximum of HK$2,000,000. This generous sum allows you to pay for hospital bills and other relevant medical expenses, with protection up to the age of 100 (age next birthday) or until your account balance is zero, whichever is earlier. |
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An extra medical savings bonus* will be distributed to you at the end of every five-year period for a larger lump sum medical reserve. |
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Comprehensive range of medical benefits, including, Daily Hospital Cash Benefit, Intensive Care Unit Cash Benefit, Hospital Benefit, Surgical Benefit, Pre / Post - Hospitalization Out-Patient Benefit (includes Chinese Medication). |
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In the unfortunate event of death, the insured amount (less total medical claims made under the policy) will be payable to your family to help them tackle the difficulties that may arise. |
# 15-year premium payment period is specially designed for the customers at age 41 to 60 (age next birthday).
* If the policy lapses after one year from its effective date, 10% of the total annual premium paid will be rebated. The rebate percentage starts at 10% and will increase by 10% for each additional year the policy is in force. |
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| Refundable Hospital Income Plan |
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This plan offers 10 years' protection and we reassure that your paid premium will be fully refundable, whether or not you make a claim during the policy period.
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Guarantee 100% of the total annual premium paid will be refunded at the maturity of the policy, whether or not any claims have been made within the protection period. If the policy is cancelled before maturity, a designated percentage of the total annual premium paid will be refunded, based on the number of years the policy has been in effect |
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In case of hospitalization due to sickness or injury, a daily cash benefit will be paid, with the maximum claim amount of up to HK$700,000. |
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Extra life protection of 150% of the total annual premium paid. |
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Extra accidental death benefit of 50% of the total annual premium paid. |
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Options for the daily hospital cash benefit, i.e. HK$250 / $400 / $550 / $700 a day |
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Even if you are insured under other hospital coverage, you can still enjoy the benefits of this plan |
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Total annual premium paid will be calculated in terms of yearly premium (i.e. the calculation will be the premium with yearly payment frequency divided by 12, multiplied by the corresponding number of months that the premium has been paid) |
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If the policy lapses after one year from its effective date, 10% of the total annual premium paid will be rebated. The rebate percentage starts at 10% and will increase by 10% for each additional year the policy is in force. |
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The above information is for reference only. For a complete explanation of the terms and conditions, please refer to the policy.
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