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 hospital income
 hospital income

Excel Hospital Income Plan covers your hospital expenses for up to HK$1,000 per day and surgical expenses.

Promotion

From now until 31 December 2017, apply for Excel Hospital Income Plan1 online, you can enjoy 25% Premium Discount for the first policy year2.

Notes:

1 Excel Hospital Income Plan is underwritten by MSIG Insurance (Hong Kong) Limited (“MSIG”). Standard Chartered Bank (Hong Kong) Limited (the “Bank”) is an insurance agent of MSIG.

2Customer who held Excel Hospital Income Plan in the past 3 months (calculated from the date of application), will not be eligible for the 25% premium discount for the first policy year.

  1. The promotion period is between1 July 2017 and 31 December 2017, both days inclusive, (the “Promotion Period”).
  2. The promotional offers are available to successful applicants of Excel Hospital Income Plan of MSIG Insurance (Hong Kong) Limited (“MSIG”), whose relevant application is made on MSIG’s website accessed through the website of Standard Chartered Bank (Hong Kong) Limited (the “Bank”) during the Promotion Period (“Eligible Customer”).
  3. Subject to the fulfillment of relevant requirement, Eligible Customer may be entitled to a 25% premium discount for the first policy year of the Excel Hospital Income Plan.
  4. Customer who held Excel Hospital Income Plan in the past 3 months (calculated from the date of application), will not be eligible for the 25% premium discount for the first policy year.
  5. These terms and conditions are related to the promotional offers only and no reference has been made to any MSIG insurance policy (“Policy”) or any coverage or content thereunder. Customers are advised to read and understand the Policy before applying for the relevant insurance.
  6. The Bank reserves the right to alter or terminate the promotional offers and/or amend the terms and conditions at any time without notice.
  7. All matters or disputes in relation to the promotional offers and the interpretation of terms and conditions herein shall be subject to the decision of the Bank, which shall be final and binding.
  8. If there is any inconsistency or conflict between the English and the Chinese versions of these terms and conditions and any details of the promotional offers, the English version shall prevail.
Benefits
Maximum Benefits (HK$) Plan 750
Maximum Benefits (HK$) Plan 1000
Daily Cash Benefits up to 750 days 750 per day 1,000 per day
Double Daily cash benefit up to 100days 1,500 per day 2,000 per day
Infectious Disease Cash Benefit 20,000 20,000
Accidental Death Benefit 200,000 200,000
Surgical Expenses Benfit 15,000 20,000
  1. Up to 30 days for hospitalisation in mainland china
  2. Hospital confinement due to having contracted any of the 18 infectious diseases listed in the policy: 1) Severe Acute Respiratory Syndrome 2) Dengue Fever 3) Japanese Encephalitis 4) Variant Creutzfeldt-Jakob Disease (Human Mad Cow Disease) 5) Legionnaires’ Disease 6) Amoebic Dysentery 7) Cholera 8) Malaria 9) Measles 10) Tetanus 11) Anthrax 12) Leprosy 13) Rabies (Human) 14) Diphtheria 15) Acute Poliomyelitis 16) Yellow Fever 17) Plague 18) Scarlet Fever.
  3. Children between 6 months to 17 years old must be enrolled with their parent(s) and the benefit amount will be half of the limit as described in the Schedule.
Premium Table
Age Group (As per policy effective day)
Monthly Premium (HK$)
Plan 750
Plan 750
(After Discount)
Plan 1,000
Plan 1000
(After Discount)
0-17years 100 75 130 97.5
18-39 years 155 116.3 215 161.3
40-49 years 245 183.8 330 247.5
50-59 years 385 288.8 535 401.3
60-64 years (for renewal only) 560 420 780 585
Major Exclusions
  1. This plan does not cover any claim arising from actor, entertainer, stunt person, aircrew member, staff of casino, other gambling establishments, police, armed forces personnel, staff of nightclubs, saunas, massage parlours or construction workers, interior decoration workers.
  2. Pre-existing conditions, illness occurred within 30 days from the policy effective date, routine check-ups, vaccinations, cosmetic surgery, dental treatment, convalescent care, pregnancy, childbirth or miscarriage, cogenital and hereditary conditions, mental or psychiatric disorders, participation in hazardous sports or pastime.
  1. This plan does not cover any claim arising from actor, entertainer, stunt person, aircrew member, staff of casino, other gambling establishments, police, armed forces personnel, staff of nightclubs, saunas, massage parlours or construction workers, interior decoration workers.
  2. Pre-existing conditions, illness occurred within 30 days from the policy effective date, routine check-ups, vaccinations, cosmetic surgery, dental treatment, convalescent care, pregnancy, childbirth or miscarriage, cogenital and hereditary conditions, mental or psychiatric disorders, participation in hazardous sports or pastime.

Disclaimer and Important Notes

The above plan is underwritten by MSIG Insurance (Hong Kong) Limited (“MSIG”) which is a general insurer authorized and regulated by the Commissioner of Insurance of the HKSAR. Standard Chartered Bank (Hong Kong) Limited (“Standard Chartered Bank (Hong Kong) Limited”) is an insurance agent appointed by MSIG. To the extent permissible by law, Standard Chartered Bank (Hong Kong) Limited shall not be liable to any person for the use of any of the above information. The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product. The policy may contain Terms and Conditions which are not detailed in the above. If there is any discrepancy between the information contained in the above and the Terms of the policy, the Terms of the policy shall prevail. For exact Terms and Conditions and details of the exclusions, please refer to the relevant policy or contact MSIG. The material and information contained on this Web Site is provided for general information only and should not be used as a basis for making business decisions. Any advice or information received via this Web Site should not be relied upon without consulting primary or more accurate or more up-to-date sources of information or specific professional advice. You are recommended to obtain such professional advice where appropriate. The above plan, offered by MSIG, is only available for subscription by residents of the HKSAR, subject to the relevant Terms and Conditions In respect of an eligible dispute arising between Standard Chartered Bank (Hong Kong) Limited and the customer out of the selling process or processing of the related transaction, Standard Chartered Bank (Hong Kong) Limited is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved between directly MSIG and the customer. The above information is intended to be promotional material only. It is for reference only and does not form an offer for subscription to any insurance product. The policy may contain terms and conditions which are not detailed above. If there is any discrepancy between the information contained above and the terms of the policy, the terms of policy shall prevail. For exact terms and conditions and details of the exclusions, please refer to the relevant policy or contact MSIG. General Insurance offered by MSIG, are only available for subscription by residents of the Hong Kong Special Administrative Region, subject to relevant terms and conditions. MSIG is a general insurer authorized and regulated by the Commissioner of Insurance of the Hong Kong Special Administrative Region. Standard Chartered Bank (Hong Kong) Limited (the “Bank”) is an insurance agent appointed by MSIG. To the extent permissible by law, the Bank shall not be liable for any person for the use of any of the above information.