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Comprehensive and flexible worldwide medical protection

Covers your hospital and surgical expenses with MediSure Pro.

Comprehensive and flexible worldwide medical protection

MediSure Pro

From now until 31 December 2021, enjoy 15% discount upon successful application for MSIG MediSure Pro Insurance.

Benefits Table (HK$)

Benefits Table in effect from 1 Feb 2020.
Cover
MAXIMUM BENEFIT PAYABLE (HK$)
Gold Plan Diamond Plan Medical Top Up Plan1
Overall Maximum Limit per disability 250,000 500,000 N/A
Core Benefits
(A) Hospital & Related Services Benefit
Maximum Limit

–   per year

250,000 500,000 250,000
Room & Board

–   per day

1,150 1,950 50%

reimbursement

for each eligible

claim up to

Maximum Limit

per year

Accompany Bed

–   for one adult family member for hospitalisation of children of aged 17 or below

Full Cover Full Cover
Intensive Care

–   supplement to Room & Board

Full Cover Full Cover
Miscellaneous Hospital Charges (Covers prescribed diagnostic imaging tests)*

–   per disability

Full Cover Full Cover
Physician Fees

–   per day

1,150 1,950
In-hospital Specialists

–   per disability

Full Cover Full Cover
Surgeon Fee4

–   per operation

 •  Complex 165,000 320,000
 •  Major 82,500 160,000
 •  Intermediate 41,250 80,000
 •  Minor 16,500 32,000
Anaesthetist Fee

–   per operation

35% of Surgeon Fee 35% of Surgeon Fee
Operation Theatre

–   per operation

35% of Surgeon Fee 35% of Surgeon Fee
Pre-admission Outpatient Visits and Post-Hospital Follow-up Treatments

–   1 visit within 30 days before admission

–   3 Follow-up treatments 90 days after discharge

Full Cover Full Cover
Private Nursing

–   up to 26 weeks per year

Full Cover Full Cover
Outpatient Chemotherapy / Radiotherapy / Targeted Therapy / Immunotherapy / Hormonal Therapy / Kidney Dialysis Treatment

–   per disability

Full Cover Full Cover
Organ Transplantation Benefit

–   per year and per disability

250,000 500,000
Day Surgery Allowance

–   per operation

1,000 1,000 1,000
Public Hospital Cash Benefit

–   per day

1,000 1,500 1,000
Second claim benefit

–   per claim

1,000 1,000 1,000
Post Operation and Cancer Treatment Recovery Benefit

–   Per Day

420 630 420
–  Up to 5 visits per year for each of following treatments

1. Psychological Counselling  (Consultation fee only)
2. Dietetic Consultation (Consultation fee only)
3. Speech Therapy  (Treatment fee only)
4. Occupational Therapy  (Treatment fee only)
5. Chinese Herbalist Consultation and Acupuncture

–   Reimbursement percentage

80% 80% 50%
Lifetime Limit

–    per person, applied at or above age 70

1,000,000 2,000,000 N/A
(B) Additional Benefits
Free Medical Service at Appointed Centre Once per Year Once per Year Once per Year
International Payment Guarantee5 Available Available N/A
24-hour International Emergency Assistance Available Available Available
Job Changer Hospital Benefit2

–   per year

N/A N/A 26,000
OPTIONAL BENEFIT
(C) Supplementary Major Medical Benefit

(applicable after Core Cover (A) Hospital & Related Services Benefit is exhausted)

Maximum Limit per disability 105,000 210,000 N/A
Deductible per each claim 1,000 1,000
Reimbursement percentage 80% 80%
(D) Dental Benefit
Maximum Limit per year

–  Scaling and polishing

(Maximum 2 visits each Contract Year): 500 each visit

–  Routine oral examination

–  Intraoral X-ray and medications

–  Fillings and extractions

–  Drainage of dental abscesses

–  Pins for cusp restoration

–  Dentures, crowns and bridges

(Only if necessitated by an Accident)

2,600 2,600 2,600
(E) Maternity Benefit  (12-month waiting period)
Normal Delivery

– per pregnancy

32,000 32,000 32,000
Complicated Delivery (including miscarriage)

– per pregnancy

32,000 32,000 32,000
(F) Serious Illness Benefit
Standard Plan: covers Critical Illnesses item (1) – (12)

Comprehensive Plan: covers Critical Illnesses item (1) – (28)

Overall Maximum Limit for Serious Illness Benefit 250,000 500,000 250,000
Maximum Limit for Optional Lady Care Benefit3 50,000 100,000 50,000
Notes:

1.The insured person should be covered by a valid hospital & surgical insurance policy at the time of hospital confinement or treatment; otherwise the benefit for Top Up Plan will become invalid.

2.Waiting period: 90 days from the effective date of Medical Top Up Plan. Maximum period of coverage: within 120 days from the date of termination of employment. The Insured Person has to provide proof of termination of employment upon submission of claim.

3.Lady Care Benefit is a rider benefit of Serious Illness Benefit and cannot be insured separately. Benefit paid for Lady Care Benefit will reduce the Overall Maximum Limit for Serious Illness Benefit.

4.According to Surgical Schedule

5.Upon receipt of adequate prior notification of claim for Hospital in-patient treatment, MSIG Insurance (Hong Kong) Limited (“MSIG”) will confirm the extent of insurance benefits, monitor claims procedures, issue (wherever possible) appropriate payment guarantees and/or arrange direct settlement to the Hospitals, Physicians or other service providers subject always to policy terms and conditions. No such payment guarantees or direct settlements can be made if MSIG is not contacted in advance with all relevant details as stated above. Covered outpatient services are not subject to payment guarantees or direct settlement and must be paid by the Insured Person and reimbursement claimed under the policy.

* Prescribed diagnostic imaging tests : computer tomography (“CT” scan), magnetic resonance imaging (“MRI” scan), positron emission tomography (“PET” scan), PET-CT combined and PET-MRI combined

Premium Table

Core Cover Premium Table (HK$)

Age Group#
Gold Plan
Diamond Plan
Medical Top Up Plan
Monthly Annual^ Monthly Annual^ Monthly Annual^
15 days – 6 years  355  3,834  460  4,968  140  1,512
7-17 years  315  3,402  405  4,374  120  1,296
18-30 years  455  4,914  585  6,318  170  1,836
31- 40 years  550  5,940  705  7,614  205  2,214
41-50 years  730  7,884  935  10,098  255  2,754
51-60 years  1,055  11,394  1,355  14,634  360  3,888
61-70 years  1,685  18,198  2,150  23,220  595  6,426
71-80 years  2,070  22,356  2,665  28,782 N/A N/A
81-100 years  2,150  23,220  2,770  29,916 N/A N/A

You can opt to select a fixed Annual Aggregate Deductible. If the medical expenses exceed your selected Annual Aggregate Deductible and are not covered by your existing medical plan, outstanding amount beyond the selected Annual Aggregate Deductible will be covered by MediSure Pro. You can enjoy a premium discount worth a maximum of up to 65% when covering yourself with MediSure Pro’s Annual Aggregate Deductible Discount.

Annual Aggregate Deductible per person (HK$)
Core Cover Premium Discount
Gold Plan Diamond Plan
10,000 25%
20,000 35%
40,000 45%
80,000 55%
120,000 65%

† “Deductible” is “excess” that policyholders must bear before their insurance cover is payable.

Optional Supplementary Major Medical Benefit (HK$)
Age Group#
Gold Plan
Diamond Plan
Monthly Annual^ Monthly Annual^
15 days – 6 years 110 1,188 140 1,512
7-17 years 90 972 125 1,350
18-30 years 140 1,512 180 1,944
31- 40 years 165 1,782 215 2,322
41-50 years 215 2,322 275 2,970
51-60 years 315 3,402 400 4,320
61-70 years 485 5,238 620 6,696
71-80 years 600 6,480 770 8,316
81-100 years 620 6,696 805 8,694
Optional – Serious Illness Benefit (HK$)

Standard Plan: covers Critical Illnesses item (1) – (12)

Age Group#
Gold Plan
Diamond Plan
Medical Top Up Plan
Monthly Annual^ Monthly Annual^ Monthly Annual^
15 days  – 17 years 50 540 100 1,080 50 540
18-30 years 45 486 90 972 45 486
31- 40 years 105 1,134 200 2,160 105 1,134
41-50 years 180 1,944 355 3,834 180 1,944
51-60 years 510 5,508 1,015 10,962 510 5,508
61-70 years 940 10,152 1,880 20,304 940 10,152
71-80 years 1,860 20,088 3,710 40,068 1,860 20,088

 

Comprehensive Plan: covers Critical Illnesses item (1) – (28)

Age Group#
Gold Plan
Diamond Plan
Medical Top Up Plan
Monthly Annual^ Monthly Annual^ Monthly Annual^
15 days – 17 years 70 756 140 1,512 70 756
18 – 30 years 65 702 125 1,350 65 702
31- 40 years 145 1,566 285 3,078 145 1,566
41-50 years 250 2,700 500 5,400 250 2,700
51-60 years 715 7,722 1,420 15,336 715 7,722
61-70 years 1,320 14,256 2,630 28,404 1,320 14,256
71-80 years 2,600 28,080 5,190 56,052 2,600 28,080
Optional Lady Care Benefit Premium Table (HK$)
Age Groups #
Gold Plan
Diamond Plan
Medical Top Up Plan
Monthly Annual^ Monthly Annual^ Monthly Annual^
18-30 years 40 432 85 918 40 432
31- 40 years 35 378 75 810 35 378
41-50 years 30 324 65 702 30 324
51-60 years 35 378 75 810 35 378
61-70 years 75 810 145 1,566 75 810
71-80 years 145 1,566 290 3,132 145 1,566
Optional Maternity Benefit (HK$)
Age Group
Monthly
Annual^
18-49 years 755 8,154
Optional Dental Benefit (HK$)
Age Group
Monthly
Annual^
15 days or above 150 1,620

^ 10% discount has been applied to annual premium payment mode

# Core Cover and Supplementary Major Medical Benefit: Renewal only at age 76 or above

Serious Illness Benefits and Lady Plan: Renewal only at age 60 or above

Notes:
  1. MediSure Pro applicant must be resident of Hong Kong aged between 18 and 75.
  2. Core Cover is eligible for Insured Person(s) aged 15 days to 75 upon enrolment (excluding citizens of the USA or Canada whose Usual Country of Residence is the USA or Canada). Optional Serious Illness Benefit and Lady Care Benefit are eligible for Insured Person(s) aged 18 to 59 upon enrolment and renewal up to aged 79. Applicant can apply MediSure Pro with his/her legal spouse and unmarried children aged 15 days to 17 (full time students up to 23 years old).
  3. Medical Top Up Plan is eligible for Insured Person(s) aged 15 days to 59 upon enrolment (excluding citizens of the USA or Canada whose Usual Country of Residence is the USA or Canada). Medical Top Up Plan will be renewed up to aged 69 and will be switched to Gold Plan automatically when the Insured Person attains aged 70 on renewal.
  4. Premium will be adjusted when the Insured enters the next age group according to the premium table.
  5. An extra 10% premium will be charged for standalone covers for children who are under 18.
  6. All Insured Persons must select the same plan. Each of them can select different Annual Aggregate Deductible Amount.
  7. Serious Illness Benefit and Lady Care Benefit are only applicable to illnesses diagnosed after 60 days from the first inception date. The Insured Person must survive 21 days after the diagnosis of illness.
  8. Serious Illness Benefit and Lady Care Benefit will be terminated when the maximum limit is claimed.
  9. All approved applications will be effective on the first day of the following month. Year refers to 12 months from the policy effective date i.e. policy year.
  10. Overall Maximum Limit per disability is the maximum amount recoverable by an Insured Person in total in respect of any one disability, which cover claims incurred during any one period of insurance and any subsequent periods of insurance.
  11. All medical charges must be reasonable and customary.
  12. Cover begins after an application has been accepted and the payable amount has been received. No refund of premium and the Levy will be allowed once the Policy has been issued.
  13. Premium and terms may be adjusted at renewal at the discretion of MSIG Insurance (Hong Kong) Limited.
  14. Free medical service redemption letter will be sent together with the policy to each Insured Person by mail in 2 months upon policy inception. The redemption letter is non-transferable and cannot be exchanged for cash. Free medical service includes spinal assessment, medical check-up plan, bone densitometry or female check-up plan, Insured Person can choose one of the service.
  15. Insured person will have 14 days policy review period upon receipt of the insurance policy(ies). Insured person may cancel the policy by giving written notice to the MSIG on the condition that there have been no claim payment incurred or made before the date of cancellation. Any premium and the Levy paid by insured person will be refunded without interest. In such case, the policy shall be deemed to have been void from the date of inception.

Important notes:

The Insurance Authority (“IA”) has announced the collection of levy on insurance premium under the ‘Insurance Ordinance’ with effect from 1 January 2018. As a result, all premium amounts shown in this webpage are subject to levy.All matters or disputes in relation to this insurance product and the interpretation of the terms and conditions shall be subject to the decision of the MSIG, which shall be final and binding. For further information, please visit www.ia.org.hk/en/levy.

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. Should there be 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 at (852) 3122 6722 (Service Hours: Mon – Fri 9:00am – 5:30pm, except public holidays).

All matters or disputes in relation to this insurance product and the interpretation of the terms and conditions shall be subject to the decision of the MSIG, which shall be final and binding.

Major Exclusions

  1. Pre-existing conditions before policy effective date
  2. Routine medical check-ups and vaccinations
  3. Cosmetic surgery
  4. Dental treatment or oral surgery related to teeth (unless for restoration or replacement of sound natural teeth within 14 days of accident)
  5. Convalescent care
  6. Pregnancy or childbirth (not applicable to Serious Illness Benefit), infertility, contraception and sterilization
  7. Congenital and heredity conditions
  8. Mental and psychiatric disorders
  9. Elective overseas treatment for non-emergency medical conditions
  10. Participation of hazardous sports and pastime
  11. Hospital in-patient treatment for conditions which can be properly treated as an outpatient. This includes hospitalisation primarily for diagnostic scanning, X-ray examinations or physiotherapy treatment.
  12. The confinement or treatment for sickness contracted or commencing within 6 months from the commencement of policy for the following disabilities: Tuberculosis, Anal fistulae, Gall stones, stones of kidney, urethra or urinary bladder, hypertension or cardiovascular disease, gastric or duodenal ulcer, diabetes mellitus, tumours or malignancies, haemorrhoids, disorders of tonsils requiring tonsillectomy, disorders of nasal septum, sinus or turbinates, hyperthyroidism, cataracts and prolapsed intervertebral disc or disc degeneration.

Please refer to the policy contract for the full exclusion items and detailed terms and conditions.

Let’s get in touch

Please contact MSIG at (852) 3122 6722.

Hotline service hours:

Monday to Friday 9:00 am to 5:30 pm (Except Public Holidays)

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 Insurance Authority of the HKSAR. Standard Chartered Bank (Hong Kong) Limited (“SCBHK”) is an insurance agent appointed by MSIG. To the extent permissible by law, SCBHK shall not be liable to any person for the use of any of the above information.

The above plan, offered by MSIG, is only available for subscription by residents of the HKSAR, subject to the relevant Terms and Conditions.

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.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) 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 will enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the product should be resolved directly between MSIG and the customer.