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Covers your hospital and surgical expenses with lifelong guaranteed renewal.

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Hk medisure pro masthead banner

Covers your hospital and surgical expenses with lifelong guaranteed renewal.

MediSure Pro

MediSure Pro covers your hospital and surgical expenses with lifelong guaranteed renewal.

Benefits

Benefit Table is in effect from 1 December 2016.
optional benefits
   LIMIT OF LIABILITY (HK$)
 Cover Gold
Plan
Diamond Plan Medical
Top Up Plan
1
Overall Maximum Limit per disability   250,000 500,000 N/A
(A) HOSPITAL & RELATED SERVICES BENEFIT
1. Maximum Limit per year 250,000 500,000 250,000
2. Room & Board per day 1,100 1,900 50% reimbursement for each eligible claim up to Maximum Limit per year
3. Accompany Bed for one adult family member for hospitalisation of children of aged 17 or below Full Cover Full Cover 50% reimbursement for each eligible claim up to Maximum Limit per year
4. Intensive Care Supplement to Room & Board Full Cover Full Cover 50% reimbursement for each eligible claim up to Maximum Limit per year
5. Miscellaneous Hospital Charges Full Cover Full Cover 50% reimbursement for each eligible claim up to Maximum Limit per year
6. Physician Fees per day 1,100 1,900 50% reimbursement for each eligible claim up to Maximum Limit per year
7. In-Hospital Specialists Full Cover Full Cover 50% reimbursement for each eligible claim up to Maximum Limit per year
8. Surgeon Fees per operation 160,000* 315,000* 50% reimbursement for each eligible claim up to Maximum Limit per year
9. Anaesthetist Fee per operation 50% reimbursement for each eligible claim up to Maximum Limit per year
10. Operation Theatre per operation 50% reimbursement for each eligible claim up to Maximum Limit per year
11. Pre-admission Outpatient Visits and Post-Hospital Follow-up Treatment ·        2 visits within 30 days before admission

·        Follow-up Treatment 60 days after discharge

Full Cover Full Cover 50% reimbursement for each eligible claim up to Maximum Limit per year
12. Private Nursing Up to 26 weeks per year Full Cover Full Cover 50% reimbursement for each eligible claim up to Maximum Limit per year
13. Outpatient Chemotherapy / Radiotherapy / Kidney Dialysis Treatment Full Cover Full Cover 50% reimbursement for each eligible claim up to Maximum Limit per year
14. Organ Transplantation Benefit (Maximum Limit) Per year and per disability 250,000 500,000 50% reimbursement for each eligible claim up to Maximum Limit per year
15. Post-operation and Cancer Treatment Recovery Benefit Per day
Up to 5 visits per year for each of the 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

400 600 400
Reimbursement percentage 80% 80% 50%
16. Day Surgery Allowance per operation 1,000 1,000 1,000
17. Public Hospital Cash Benefit per day 900 1,500 900
18. Lifetime Limit per person, applied at or above age 70 1,000,000 2,000,000 N/A
(B) ADDITIONAL BENEFITS
1. Free Medical Service at Appointed Centre Once per year Once per year Once per year
2. International Payment Guarantee^ Available Available N/A
3. 24-hour International Emergency Assistance Available Available Available
4. Job Changer Hospital Benefit2 per year N/A N/A 25,000
OPTIONAL BENEFITS  
 

Cover

 

Gold
Plan
Diamond
Plan
Medical
Top Up Plan
1
(C) SUPPLEMENTARY MAJOR MEDICAL BENEFIT
1. Maximum Limit per disability 100,000 200,000 N/A
2. Deductible per each claim 1,000 1,000 N/A
3. Reimbursement percentage 80% 80% N/A
(D) DENTAL BENEFIT
Maximum Limit ·        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)

2,500 2,500 2,500
(E) MATERNITY BENEFIT (12-MONTH WAITING PERIOD)
1. Normal Delivery Per pregnancy 30,000 30,000 30,000
2. Complicated Delivery, including miscarriage Per pregnancy 30,000 30,000 30,000
(F) SERIOUS ILLNESS BENEFIT
1. Overall Maximum Limit for Serious Illness Benefit# Standard Plan: covers Critical Illnesses item (1) – (12)
Comprehensive Plan: covers Critical Illnesses item (1) – (28)
250,000 500,000 250,000
2. Maximum Limit for Optional Lady Care Benefit3 Female specific cancers in situ

·        Breast

·        Fallopian tube

·        Cervix (CIN III or above)

·        Vagina / Vulva

·        Uterus

·        Ovary

Female Illnesses

·        Rheumatoid arthritis

·        Osteoporosis leading to hip fractures

·        Systemic lupus erythematosus (SLE) with lupus nephritis

50,000 100,000 50,000

Notes:

  1. The insured person should own 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. Optional Lady Care Benefit is a rider benefit of Optional Serious Illness Benefit and cannot be insured separately. Benefit paid for Optional Lady Care Benefit will reduce the Overall Maximum Limit for Optional Serious Illness Benefit.

* According to Surgical Schedule

^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.

# Types of Critical Illnesses:

  1. Cancer (spread of malignant cell)
  2. Stroke (permanent neurological damage)
  3. Heart Attack
  4. Coronary artery-bypass surgery
  5. Complete liver failure (end stage liver failure)
  6. Kidney failure (end stage kidney failure)
  7. Major organ transplant(s)
  8. Motor neurone disease
  9. Loss of hearing (both ears)
  10. Blindness (both eyes)
  11. Major burns
  12. Coma
  13. Parkinson’s disease
  14. Multiple sclerosis
  15. Paralysis / Paraplegia
  16. Loss of independent existence
  17. HIV resulting from blood transfusion
  18. Aorta surgery
  19. Heart valve surgery
  20. Alzheimer’s disease
  21. Loss of speech
  22. Benign brain tumour
  23. Terminal illness
  24. Loss of limbs
  25. Muscular dystrophy
  26. Encephalitis
  27. Accidental head injury resulting in major head trauma
  28. Pulmonary Hypertension

Premium Table (Excluding Levy)

Core Cover
Age Group
Gold Plan
Diamond Plan
Medical Top Up Plan
Monthly (HK$)
Annual (HK$)
Monthly (HK$)
Annual (HK$)
Monthly (HK$)
Annual (HK$)
15 days to 6 years 330 3,564 425 4,590 130 1,404
7-17 years 290 3,132 375 4,050 110 1,188
18-29 years 430 4,644 550 5,940 160 1,728
30-39 years 520 5,616 665 7,182 195 2,106
40-49 years 665 7,182 850 9,180 230 2,484
50-59 years 960 10,368 1,230 13,284 325 3,510
60-69 years 1,505 16,254 1,920 20,736 530 5,724
70-75 years 1,850 19,980 2,380 25,704
76 years or above# 1,920 20,736 2,475 26,730

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 up to 65% when covering yourself with MediSure Pro’s Annual Aggregate Deductible Discount.

Core Cover Premium Discount
Annual Aggregate Deductible per person (HK$)
Gold Plan
Diamond Plan
10,000 25%
20,000 35%
40,000 45%
80,000 55%
120,000 65%
+ “Deductible” is also called “excess” which means the cash amount of a claim that policyholders must pay before their insurance cover can be paid.
Optional Cover
Supplementary Major Medical Benefit
Age Group
Gold Plan
Diamond Plan
Monthly (HK$)
Annual (HK$)
Monthly (HK$)
Annual (HK$)
15 days to 6 years 100 1,080 130 1,404
7-17 years 85 918 115 1,242
18-29 years 130 1,404 165 1,782
30-39 years 155 1,674 200 2,160
40-49 years 200 2,160 255 2,754
50-59 years 290 3,132 370 3,996
60-69 years 450 4,860 575 6,210
70-75 years 555 5,994 715 7,722
76 years or above# 575 6,210 745 8,046
Serious illness Benefit
Age Group
Gold Plan
Diamond Plan
Medical Top Up Plan
12 types Critical Illnesses
28 types Critical Illnesses 
12 types Critical Illnesses
28 types Critical Illnesses 
12 types Critical Illnesses
28 types Critical Illnesses
Monthly (HK$)
Annual (HK$)
Monthly (HK$)
Annual (HK$)
Monthly (HK$)
Annual (HK$)
Monthly (HK$)
Annual (HK$)
Monthly (HK$)
Annual (HK$)
Monthly (HK$)
Annual (HK$)
15 days to 17 years 50 540 70 756 95 1,026 135 1,458 50 540 70 756
18-29 years 45 486 65 702 85 918 120 1,296 45 486 65 702
30-39 years 100 1,080 140 1,512 195 2,106 275 2,970 100 1,080 140 1,512
40-49 years 175 1,890 245 2,646 345 3,726 485 5,238 175 1,890 245 2,646
50-59 years 495 5,346 695 7,506 985 10,638 1,380 14,904 495 5,346 695 7,506
60-69 years# 915 9,882 1,280 13,824 1,825 19,710 2,555 27,594 915 9,882 1,280 13,824
70-79 years# 1,805 19,494 2,525 27,270 3,600 38,880 5,040 54,432 1,805 19,494 2,525 27,270
Optional Lady Care Benefit
Age Group
Gold Plan
Diamond Plan
Medical Top Up Plan
Monthly (HK$)
Annual (HK$)
Monthly (HK$)
Annual (HK$)
Monthly (HK$)
Annual (HK$)
18-29 years 40 432 80 864 40 432
30-39 years 35 378 70 756 35 378
40-49 years 30 324 60 648 30 324
50-59 years 35 378 70 756 35 378
60-65 years# 70 756 140 1,512 70 756
70-79 years# 140 1,512 275 2,970 140 1,512
Maternity Benefit
Age Group
Monthly (HK$)
Annual (HK$)
18-49 years 685 7,398
Dental Benefit
Age Group
Monthly (HK$)
Annual (HK$)
15 days or above 135 1,458
An extra 10% of premium will be charged for standalone child cover.
Notes:
  1. An extra 10% of premium will be charged for standalone child cover.
  2. #For renewal only

Important Note: Collection of Levy on Insurance Premium
With effect from 2018-01-01, the Levy collected by Insurance Authority will be imposed on the above premium amount at the applicable rate. For further information, please visit msig.com.hk

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 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 Commissioner of Insurance 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.