You are recommended to consider your actual needs first, and then the scopes of benefits in terms of sum insured, whether or not to cover unknown pre-existing conditions, the medical treatment locations (i.e. China & HKSAR, Asia or Worldwide), and the level of hospital room types (i.e. Private , Semi-Private Room or Ward Room only).

The price of a medical insurance plan increases along with the sum insured, the scopes of benefits, and age. Therefore, we recommend you to consider your financial burdens and avoid overestimating your needs.

Applicants aged between fifteen (15) days to sixty-five (65) years old are eligible to apply. We guarantee to renew up to one hundred (100) years old regardless of claims for those who are insured before sixty-five (65) years old.

Yes, the duration of hospital stay is at least 6 consecutive hours.

Health declaration is important for us to know more about you – your health status, your medical history as well as your habits (e.g. smoking habit). It is your responsibility to declare your health to the best of your knowledge and belief. Omitting and / or providing false information will not only affect the premium, but we may also terminate your cover as a result of a false declaration.

If you feel uncertain, please contact our customer care hotline before receiving the treatment. We will then identify the claimable sections with you after we have information on your current health status and the estimated hospital expenses.

It is an annual deductible that shall be borne by the Insured in any one (1) Policy year and which has to be deducted from the reimbursement sum. You may accumulate all the hospital expenses bills no matter how many illnesses are and submit to us within 90 days (after day case procedure or discharge from hospital).

In this insurance, cancer means the presence of a malignant tumor that is characterized by progressive, uncontrolled growth, spread of malignant cells and invasion and destruction of normal and surrounding tissue.

Permanent residency refers to a status where the person is allowed to reside within a country of which he / she is not a citizen.

If you reside in this place, e.g. Hong Kong, with more than 90 days, we will consider Hong Kong is your permanent residency.

You should always pre-authorize the following procedures or treatments : MRI, CT Scan & PET Scan benefits.

“Medically Necessary” means the need to have treatment or service for the Covered Illness or Covered Injury upon the professional advice of a Physician in accordance with generally accepted standards of medical practice and the medical service, procedure or supply shall:

Yes, housewives or retired persons aged between 18 and 65 years old can enroll in the plan.

Yes. The insured age of the adult must be between 18 and 65 years old to enroll the plan, and it can be renewable up to 70 years old. The insured age of the child must be between 6 months to 17 years old who is unmarried and unemployed, and it can be renewable up to 23 years old if he/she is an unmarried full-time student.

No medical check-up is required.

This policy provides 24-hour worldwide coverage for personal accident without any geographical limitation.

Yes, provided that you have declared the matter at the time of taking out the policy or afterwards.

If there is a change in the nature of your work (for instance, a non-manual worker becomes a taxi-driver), you should immediately notify us. The policy will continue to be valid only after acceptance by us.

No, all these are excluded under the policy.

You may call the 24-Hour Worldwide Emergency Assistance Services Hotline on (852) 3700 6621 for prompt and free assistance for local medical, legal and travel advice.

Yes, the policy provides cover for trekking or hiking at an altitude of not over 5,000 meters above sea-level, scuba diving to a depth not greater than 30 meters below sea-level.