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.

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 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 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 HK$1,200
  • While receiving treatment in an Intensive Care Unit, this Benefit will be doubled, up to 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 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 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.

Issue Age (At Last Birthday)
Issue Age (At Last Birthday)

Hospital & Surgical Plus / Extra Major Medical Benefit / Extra Cancer Benefit:
Age 0 - 70

Hospital Income Benefit:
Age 0 - 65

Benefit Term
Benefit Term

Hospital & Surgical Plus / Extra Major Medical Benefit / Extra Cancer Benefit:
To Age 100

Hospital Income Benefit:
To Age 75

Premium Payment Term
Premium Payment Term

Hospital & Surgical Plus / Extra Major Medical Benefit / Extra Cancer Benefit:
To Age 100

Hospital Income Benefit:
To Age 75

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