Key features
Hospitalisation cover
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4 levels of daily hospital cash benefit ranging from HK$300 to HK$2,000 for sickness or injury, which pays up to 750 days on top of other medical plans. You are free to decide how you use the cash, e.g. pay hospital bills, income substitution, living expenses, medical expenses, etc. |
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Double Daily Hospital Cash to ease the stressful situations when large sum of money may be required, e.g. treatment in intensive care unit, major organ transplant. |
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Surgical allowance to reimburse the expenses should you need an operation when hospitalised. |
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Companion bed expense to allow your family member taking care of you during hospitalisation. |
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Allowance for major infectious diseases including malaria, cholera, meningococcal infection, dengue fever, tetanus and severe acute respiratory syndrome (SARS) to ease your financial burden.
|
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Premium refund
Up to 100% refund of total premium paid after 10 years. Whether or not you made any claims, premium will be refunded upon policy maturity/termination as below:
| Completed policy year |
Premium refund (% of total premium paid) |
| 5 |
30% |
| 6 |
35% |
| 7 |
45% |
| 8 |
60% |
| 9 |
80% |
| 10 |
100% |
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Premium waiver
Premium payment will be waived if the Insured suffers total permanent disability. If the insured person is a child, the premium waiver is applicable to the policyholder.
Death benefit
100% of total premium paid will be refunded for death of the Insured due to accident or illness.
Save money
Level premium throughout the 10-year policy period and therefore the earlier you join, the more you can save.
Convenient and time saving
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No medical examination is required. |
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Instant approval and immediate cover. |
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Free 24-hour worldwide assistance service
You will have free access to 24-hour worldwide assistance hotline, which provides immediate help in English, Cantonese or Mandarin from pre-trip travel information to medical referrals.
Policy Coverage (per person insured)
| Benefits |
Plan A
(HK$) |
Plan B
(HK$) |
Plan C
(HK$) |
Plan D
(HK$) |
| 1. |
Daily hospital cash benefit (1) (for hospitalisation due to illness or accident, max. 750 days) |
300 |
500 |
1,000 |
2,000 |
| 2. |
Double daily hospital cash benefit (max. 750 days):
| - |
If treatment requires an intensive care unit (2) |
| - |
If the Insured and the Insured's spouse are hospitalised as a result of the same accident |
| - |
If the Insured is hospitalised outside Hong Kong, Macau, or mainland China |
| - |
If the Insured is hospitalised for a major organ transplant, including bone marrow transplant |
|
600 |
1,000 |
2,000 |
4,000 |
| 3. |
Surgical allowance benefit
Reimbursement of surgical expenses (such as surgeon's fee, anaesthetist's fee and operation theatre fee) on top of the daily hospital cash benefit should an operation is required during hospitalisation |
Up to 3,000 per illness or accident |
Up to 5,000 per illness or accident |
Up to 10,000 per illness or accident |
Up to 20,000 per illness or accident |
| 4. |
Infectious disease allowance (3) |
3,000 |
5,000 |
10,000 |
20,000 |
| 5. |
Companion bed expense during hospitalisation |
Up to 200 per day (max. 30 days) |
| 6. |
Premium waiver (4) |
Premium payment will be waived if the insured suffers total permanent disability |
| 7. |
Death benefit |
Refund of 100% total premium paid for insured's death due to illness or accident |
| 8. |
Premium refund |
Upon policy maturity/termination, premium will be refunded as below, whether any claims were made:
| Completed policy year |
Premium refund
(% of total premium paid) |
| 5 |
30% |
| 6 |
35% |
| 7 |
45% |
| 8 |
60% |
| 9 |
80% |
| 10 |
100% |
|
| Additional benefit |
| 24-hour worldwide assistance |
|
| Note: |
| (1) |
Benefit for hospitalisation in mainland China is 50% of the specified limit. |
| (2) |
Up to 90 days in an intensive care unit. |
| (3) |
Covered infectious diseases include malaria, cholera, meningococcal infection, dengue fever, tetanus and SARS. |
| (4) |
If the insured person is a child, the premium waiver is applicable to the policyholder. Otherwise, if the insured person suffers total permanent disability during the policy term, premium payment will be waived. |
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Premium
| Age Group |
Monthly Premium |
Annual Premium |
| Plan A |
Plan B |
Plan C |
Plan D |
Plan A |
Plan B |
Plan C |
Plan D |
| 300 |
500 |
1,000 |
2,000 |
300 |
500 |
1,000 |
2,000 |
| 6 months - 6 |
287 |
390 |
680 |
Not Applicable |
3,444 |
4,680 |
8,160 |
Not Applicable |
| 7 - 17 |
258 |
354 |
624 |
Not Applicable |
3,096 |
4,248 |
7,488 |
Not Applicable |
| 18 - 30 |
297 |
410 |
725 |
1,314 |
3,564 |
4,920 |
8,700 |
15,768 |
| 31 - 35 |
374 |
516 |
912 |
1,654 |
4,488 |
6,192 |
10,944 |
19,848 |
| 36 - 40 |
469 |
646 |
1,142 |
2,070 |
5,628 |
7,752 |
13,704 |
24,840 |
| 41 - 45 |
587 |
808 |
1,563 |
2,831 |
7,044 |
9,696 |
18,756 |
33,972 |
| 46 - 50 |
732 |
1,006 |
1,942 |
3,513 |
8,784 |
12,072 |
23,304 |
42,156 |
| 51 - 55 |
947 |
1,298 |
2,596 |
5,191 |
11,364 |
15,576 |
31,152 |
62,292 |
| 56 - 59 |
1,258 |
1,717 |
3,434 |
6,867 |
15,096 |
20,604 |
41,208 |
82,404 |
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Note: Only Plan A, Plan B and Plan C are available for Insured children.
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Who can apply?
Anyone aged 18 or above is eligible to apply. You can choose to insure yourself, your spouse or your children. Insured persons must be between the age of 6 months and 59 inclusive. Insured children must be aged 6 months to 17 years old inclusive or full-time students below the age of 23.
Major Exclusions
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- Pre-existing medical conditions and congenital abnormalities
|
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- Dental and optical treatment
|
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- Pregnancy and fertility or infertility treatment
|
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- Cosmetic surgery, prosthetic appliances and routine medical examinations
|
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- Drug addiction, alcoholism, sexually transmitted diseases and HIV if diagnosed within five years from inception of cover
|
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- War and insurrection, dangerous sports and activities
|
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- Hospitalisation primarily for diagnostic scanning, X-ray examinations or physical therapy
|
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NB: The above information is intended as a general summary. Please refer to the policy wording for exact terms and conditions and details of the exclusions.
Refundable HospitalSurance is underwritten by HSBC Insurance (Asia) Limited which is authorised and regulated by the Commissioner of Insurance of the Hong Kong SAR. The Hongkong and Shanghai Banking Corporation Limited is an insurance agent authorised by HSBC Insurance (Asia) Limited.
Refundable HospitalSurance is only available for subscription by residents of the Hong Kong SAR. |
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