You're about to leave our website

This hyperlink will bring to you to another website on the Internet, which is published and operated by a third party which is not owned, controlled or affiliated with or in any way related to Standard Chartered Bank (Hong Kong) Limited or any member of Standard Chartered Group ( the "Bank").

The hyperlink is provided for your convenience and presented for information purposes only. The provision of the hyperlink does not constitute endorsement, recommendation, approval, warranty or representation, express or implied, by the Bank of any third party or the hypertext link, product, service or information contained or available therein.

The Bank does not have any control (editorial or otherwise) over the linked third party website and is not in any way responsible for the contents available therein. You use or follow this link at your own risk. To the extent permissible by law, the Bank shall not be responsible for any damage or losses incurred or suffered by you arising out of or in connection with your use of the link.

Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the terms of use and privacy policies of the third party website that you are going to visit.

Proceed to third party website

A plan that provides wide-ranging protection and the flexibility that you are accustomed to.

Contact Us
 sea

A plan that provides wide-ranging protection and the flexibility that you are accustomed to.

Allianz Premium Medical Protect*

A comprehensive medical plan  that offers flexibility as well as quality. Apply via our insurance hotline 3408 1638.

*Allianz Premium Medical Protect is not VHIS certified plan and the premium payable under this policy is not eligible for tax exemption.

Benefits Table ^(HKD)

Allianz Premium Medical Protect(1)(6)
Optional benefits – Supplementary major medical (“SMM”)(1)(11)
Annual Benefit Limit 2,000,000

per Policy Year

600,000(per Disability)

per Policy Year

Coinsurance2 Not Applicable 20%
Room Type* All All
Territory Cover Asia# Hong Kong
Guaranteed Renewability3 Up to Age of 100
Unknown Pre-existing Conditions Provide partial coverage during a waiting period of 3 years upon policy inception

(i.e. 0% of claim amount in the 1st year, 25% in the 2nd year and 50% in the 3rd year)

and full coverage (i.e. 100%) from the 4th year onwards.

Issue Age 15 days to 80 years old
A. Basic benefits Benefit limit SMM Benefit limit
1)     Hospitalisation benefits
a)     Room and board (per day) 4,500

Maximum 180 days

per Policy Year

4,500

Starting from 181st day,

up to the last day of the Policy Year

b)      Miscellaneous charges 150,000

per Policy Year

In excess of the amount payable under benefit limit
c)     Attending doctor’s visit fee (per day) 4,500

Maximum 180 days

per Policy Year

4,500

Starting from 181st day,

up to the last day of the Policy Year

d)      Specialist’s fee4 180,000

per Policy Year

In excess of the amount payable under benefit limit
e)      Intensive care(per day) 6,000

Maximum 25 days

per Policy Year

6,000

Starting from 26th day,

up to the last day of the Policy Year

2) Surgical benefits
f)     Surgeon’s fee (per surgery) 160,000 In excess of the amount payable under benefit limit
g)     Anaesthetist’s fee ( per surgery) 35% of Surgeon’s fee payable (5) In excess of the amount payable under benefit limit
h)     Operating theatre charges (per surgery) 35% of Surgeon’s fee payable (5) In excess of the amount payable under benefit limit
3) Non hospitalisation and surgical benefits
i)       Prescribed Diagnostic Imaging Tests(4)(7) 30,000

per Policy Year

Not Applicable
j)       Prescribed Non-surgical Cancer Treatments(8) 200,000

per Policy Year

k)     Pre- and post-Confinement / Day Case Procedure outpatient care(4)(10) 10,000

per Policy Year;

1 visit Pre- and 3 visit Post- within 90 days

l)     Psychiatric treatments(10) 50,000

per Policy Year

B. Additional benefits
1)     Emergency outpatient treatment(10) 10,000

per Policy Year

In excess of the amount payable under benefit limit
2)      Outpatient kidney dialysis 200,000

per Policy Year

Not Applicable
3)      Companion bed (per day) Full Cover

Maximum 180 days per Policy Year

Full Cover

Starting from 181st day,

up to the last day of the Policy Year

4)      Private nursing (per day) Full Cover

Maximum 180 days per Policy Year

Full Cover

Starting from 181st day,

up to the last day of the Policy Year

5)      Home nursing(per day) Full Cover

Post-surgery within 30 days

Not Applicable
You can enjoy up to 50% premium discount by selecting our deductible option(s).

If your employer provides group medical insurance cover or you already have Voluntary Health Insurance Scheme (“VHIS”) certified plan, you may use them to offset the deductible payment and hence, have more personalised medical cover at a lower cost.

 Deductible Options Premium Discount (i)
Customer has 4 options:
a). No deductible 0%
b). Deductible as benefit limit of VHIS Standard Plan(ii) 30%
c). Annual aggregate deductible of HKD20,000(iii) 20%
d). Annual aggregate deductible of HKD100,000(iii) 50%
(i) Premium discount as a result of deductible is not applicable to SMM premium.

(ii) The Policy Holder is required to pay a Deductible for each such benefit item up to the limit specified for each such benefit item in the VHIS Standard Plan Terms and Benefits. For example, if the Eligible Expense of a Confinement is HKD5,000 under this plan before considering any deductible and HKD3,000 under VHIS Standard Plan, the claim payable under this plan is HKD2,000. For more details on VHIS Standard Plan, please visit our website at

https://www.agcs.allianz.com/global-offices/hong-kong/bancassurance.html or contact Allianz Customer Service Hotline 852) 8100 2402.

(iii) An annual aggregate Deductible is the accumulative total amount of Eligible Expenses that, in a Policy Year, the Policy Holder must pay before the Company shall reimburse the remaining Eligible Expenses.

(iv)For details of Allianz Premium Medical Protect, please visit Allianz’s website: https://www.agcs.allianz.com/global-offices/hong-kong/bancassurance.html

Notes:
  1. Eligible Expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table, unless otherwise specified.
  2. Coinsurance shall mean a percentage of Eligible Expenses the Policy Holder must contribute after paying the Deductible (if any) in a Policy Year.
  3. The guaranteed renewal will be subject to re-underwriting if there is a change in occupation or Place of Residence of the Insured Person.
  4. Allianz shall have the right to ask for proof of recommendation e.g. written referral or testifying statement on the claim form by the attending doctor or Registered Medical Practitioner.
  5. The percentage here applies to the Surgeon’s fee actually payable or the benefit limit for the Surgeon’s fee according to the surgical categorisation, whichever is the lower.
  6. In the circumstance that the benefits under terms and conditions of Allianz Premium Medical Protect are less favourable than those under Allianz Medical Protect, Allianz Premium Medical Protect will provide coverage equivalent to the benefits under Allianz Medical Protect. For more details, please contact Allianz Customer Service Hotline (852) 8100 2402.
  7. Prescribed Diagnostic Imaging Tests covered here only include computed tomography (al or testifying statemennance imaging (“MRI” scan), positron emission tomography (“PET” scan), PET-CT combined and PET-MRI combined.
  8. Prescribed Non-surgical Cancer Treatments covered here only include chemotherapy, radiotherapy, targeted therapy, immunotherapy and hormonal therapy.
  9. This benefit shall be payable for the Eligible Expenses charged during Confinement in Hong Kong as recommended by a specialist.
  10. Where the Emergency Treatment or outpatient visit under the same coverage results in a Day Case Procedure or Confinement, the Eligible Expenses shall be payable under the emergency outpatient treatments benefit, which any unpaid amount shall then be payable under the pre- and post-Confinement/Day Case Procedure outpatient care benefit.
  11. This benefit is not applicable to and will not cover expenses due to a treatment for a Confinement or a Day Case Procedure outside of Hong Kong, unless the treatment results from an Accident or an Emergency occurring outside of Hong Kong as certified by a Registered Medical Practitioner.

^ All benefits described in Allianz Premium Medical Protect are not subject to any restriction in the choice of healthcare services providers.

* Room types are not subject to any restriction in the choice of ward class.

# Asia shall mean Australia, Bangladesh, Bhutan, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Nepal, New Zealand, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, and Vietnam.

Premium Table

Please click here to view the premium table.

For details of Allianz Premium Medical Protect, please visit Allianz’s website: https://www.agcs.allianz.com/global-offices/hong-kong/bancassurance.html

Important Notes

Disclaimer and Important Notes

The above plan is underwritten by Allianz Global Corporate & Specialty SE Hong Kong Branch (Allianz) which is a general insurer authorized and regulated by the Insurance Authority of Hong Kong. Standard Chartered Bank (Hong Kong) is an insurance agent appointed by Allianz. 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 plan, offered by Allianz, 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 Allianz.

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 Allianz and the customer.