Health Green
Hospitalization
Medical Insurance
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Optional Plan and Deductibles
We understand that not everyone can afford costly medical expenses. To cater for various affordability and needs, we have designed different plans that guarantees 100% of your hospitalization and surgical costs with an optional annual deductible which allows you to enjoy lower premium.
Automatically Double Up Annual Limit^
Medical expenses for treating critical illnesses are unpredictable. We will automatically double up your annual limit for an extra cost including chemotherapy, radiotherapy, cyberknife and gamma knife for cancer treatment or regular hemodialysis or peritoneal dialysis as a result of chronic and irreversible kidney failure.

^ Applicable to Plan 1 to 3
Coverage for Unknown Pre-existing Conditions*
Most of the medical insurance products in the market do not cover unknown pre-existing conditions. Patients without a much-needed protection would be distressed. We understand that such unknown pre-existing conditions you were not aware and would not reasonably have been aware of at the time of submission of application. Therefore, we have designed cover for unknown pre-existing conditions with full coverage from the third year onwards in Hong Kong & China plan, and ease your concerns and satisfy your needs.

* Applicable to Plan 4 only
Think Steps Ahead
for You
Private Nursing Care^ - We will pay the cost of private nursing care subsequent to surgery or discharge from intensive care unit for you.

Reconstructive Surgery - To strive for a beautiful life, and to live confidently and comfortably while facing challenges after an unexpected diagnosis of cancer, we will pay your reasonable reconstructive surgery expense(s) performed within 12 months from the date of diagnosis.

Optional Cover on Cancer Benefit - Apart from medical treatment expenses on cancer is a huge burden, we understand that there are many other extra expenses or income loss from the patients and family members during the treatment period. Our Optional Cancer Benefit is a lump-sum compensation with limit up to HK$100,000 which help release the financial burdens.

^ Applicable to Plan 1 to 3
Waiver of Deductible
Suffering some critical illnesses can rack up unexpected costs due to pro-long treatment(s). We will waive the annual deductible, and ease your worries and burden in your difficult and critical moments if you suffered from designated critical illnesses.
Guaranteed Renewal
If you have been an insured under this Policy prior to turning 65 years old, we will guarantee your cover is renewable until you are 100 years old, no matter how much you have claimed and how your health has changed after joining us.
Guaranteed Conversion^
In order to provide more freedom and flexibility for you, we assure a guaranteed reduction of annual deductible upon your Policy Anniversary immediately following your 50, 55, 60 or 65 birthday upon request.

^ Applicable to Plan 1 to 3
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