E+ Total Care

Product Features

Full Global Medical Expense Reimbursement Protection

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• The Plan provides full global medical expenses reimbursement¹ for the Insured, covering eligible medical expenses incurred from hospitalization, surgery, and pre- and post-hospitalization/surgery treatments² due to illness or accidental injury worldwide, without itemized benefit sub-limits
• It also offers cancer treatment and renal dialysis benefits, along with other extended benefits
• The Insured is also entitled to a Standard Private Room or Semi-Private Room³ at the Designated Hospitals for a more comfortable recovery journey

Notes:

^1.Full reimbursement shall mean no itemized benefit sub-limit and is only applicable to the reimbursement of the actual amount of eligible expenses, and is subject to the Annual Limit and other conditions as stated in the product brochure and the policy contract. Full reimbursement applies to certain benefit items only. Applicable to treatment and surgical procedures that are Medically Necessary. Reimbursement will be made on a “Reasonable and Customary” basis, i.e., the charge does not exceed the general level of charges being made by medical service providers of similar standing in the locality where the charge is incurred for similar treatment, services or supplies to individuals of the same gender and age, for a similar disease or injury. Please refer to the policy document for details of the terms, conditions, exclusions and limitations of full reimbursement.
^2.Pre- And Post-Hospitalization/Surgery Outpatient Treatment Benefit covers 1 outpatient visit within 31 days preceding the Confinement/Outpatient Surgery and 3 outpatient visits within 60 days after discharge from Hospital or completion of the Outpatient Surgery.
^3.Standard Private Room is only applicable to Confinement in the Designated Hospitals (Group A) in Mainland China. Semi-Private Room is applicable to Confinement in the Designated Hospitals in Macau and Designated Hospitals (Group B) in Mainland China. Please refer to the product brochure for the details of the Covered Room Level.

Annual Limit Reset

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• The Plan offers a maximum coverage of HK$680,000 / MOP680,000 annually. The Annual Limit is applicable to designated benefit items and will reset each policy year, allowing you to receive continued coverage

No Waiting Period for Unknown Pre-existing Conditions

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• For your total peace of mind, the Plan covers unknown pre-existing conditions of the Insured at the time of policy enrollment, without any waiting period

Enhanced Medical Safety Net

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• The Plan provides Additional Benefit for Cancer Treatment Benefit and Renal Dialysis Benefit⁴. In addition to the Annual Limit, an extra HK$680,000 / MOP 680,000 will be offered for the Insured in need to support the medical expenses of the relevant treatments

Notes:

^4.We shall pay the Additional Benefit for Cancer Treatment Benefit and Renal Dialysis Benefit if the Insured is eligible for and receives treatment covered under the Cancer Treatment Benefit and/or Renal Dialysis Benefit, and the total benefit amount paid or payable for the policy year has reached the Annual Limit of the relevant policy year. The amount of the benefit shall be equal to the Reasonable and Customary charges actually incurred for such treatment in excess of the amount payable under the Cancer Treatment Benefit and/or Renal Dialysis Benefit above, subject to a maximum limit of HK$680,000 / MOP680,000 per policy year. 

Benefit Term up to Age 100

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• The Plan provides annual renewal⁵ with a benefit term up to age 100 of the Insured

Notes:

^5.We reserve the right not to renew this Benefit and to adjust the benefit coverage or premium by giving 30 days’ notice in writing to you prior to any policy anniversary. Non-renewal of the Policy will not affect the Insured’s benefit claims under the Policy arising before the expiration date of the Policy.

No Claim Bonus

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• Provided that the Policy has been in force for 3 consecutive policy years and no claims were made under the Plan, you will be entitled to a “No Claim Bonus”⁶ upon paying the renewal policy premium
• The bonus is based on a percentage of the annual premium of the preceding policy year, up to a maximum of 15% 

Notes:

^6.In the event that a benefit in respect of any previous policy year becomes payable by us after a No Claim Bonus has been given, the No Claim Bonus given shall be deducted from the benefit payable in the Policy.