Hospital Benefits

The best way to care for yourself and show your love for your family is to have comprehensive medical insurance in place - because nothing is more valuable than good health.

Comprehensive Hospital & Surgical Plus gives you extra peace of mind, three optional extra benefits are available, including Extra Major Medical Benefit, Extra Cancer Benefit and Hospital Income Benefit.

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Lifetime Coverage Till Age 100

No Claim Bonus

Extra Major Medical Benefit

Extra Cancer Benefit

Hospital Income Benefit

This yearly renewal plan offers a benefit term up to age 100
The coverage may be reviewed upon renewals¹ in order to ensure adequate protection for you and to combat soaring medical costs. Renewal premium will be adjusted based on the attained age of the Insured and at the premium rate in effect of the same level of benefit at the time of renewal

Notes:
^1. A written notice will be given no less than 30 days prior to each policy anniversary date regarding the adjustment of benefit coverage, premium, or non-renewal of the policy.

Provided that the policy has been in force for three consecutive policy years and no claims were made under the Hospital & Surgical Plus and Extra Major Medical Benefit, you will be entitled to a No Claim Bonus discount for both benefits upon paying the renewal policy premium
The discount is based on a percentage of the annual premium of the preceding year up to a maximum of 15%

If the actual hospital expenses² incurred are in excess of those covered by Hospital & Surgical Plus, this Benefit will pay for a maximum reimbursement of over MOP / HK$440,000

Notes:
^2. Cancer Treatment Benefit, Renal Dialysis Benefit, Home Nursing Benefit, Pre- and Post-surgery Out-patient Treatment are not included.

Provides adequate financial support for cancer therapy, with a maximum reimbursement of actual expenses per cancer up to MOP / HK$2,000,000³

Notes:
^3. The followings are not included: 1) treatment undergone solely for complications and adverse effects of cancer treatment; 2) cost of surgical procedures except specifically covered; 3) room and board charges.

Provides a daily cash benefit⁴ of up to MOP / HK$1,200
While receiving treatment in an Intensive Care Unit, this Benefit will be doubled, up to MOP / HK$2,400 per day
24-Hour coverage, available all around the world⁵

Notes:
^4. The maximum combined daily benefit from both Hospital Income Benefit and Money-Back Hospital Income Protector for the same insured person with the Company is MOP / HK$1,200. And the maximum combined daily benefit from Hospital Income Benefit, Money-Back Hospital Income Protector, Lifetime Health Protector, Whole Life MediCare and Refundable Hospital Cash Plan for the same insured person with the Company is MOP / HK$2,000. The Company reserves the right to make adjustments of the maximum combined daily benefit without any prior notice.
^5. Hospital Income Benefit is available around the world, including North America, Europe, Australia, New Zealand, Japan, Singapore, Malaysia, Taiwan, South Korea, Hong Kong and Macau. For Confinement in other areas, half of the daily benefit is available, for up to a maximum of 90 days.