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

Enjoy up to HK$6,200 Cash Rewards with Health Protector¹ and Health $aver²

 sea

Enjoy up to HK$6,200 Cash Rewards with Health Protector¹ and Health $aver²

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.

Hk health protector banner image v

Health Protector Promotion

TERMS AND CONDITIONS APPLY

Terms and Conditions for the Welcome Offer on Allianz Health Protector

A. Program Eligibility and Offer Details

1. The promotion (the “Promotion”) shall run from 3 Feb 2020 to 30 Apr 2020 (both dates inclusive) (the “Promotion Period”).

2. Allianz Accident Protect, Allianz Hospital Income Protect, Allianz Cancer Protect, Allianz Medical Protect, Allianz Ultra Medical Protect, and Allianz Premium Medical Protect Plans are general insurance products underwritten by Allianz Global Corporate & Specialty SE Hong Kong Branch (“ Allianz”).

3. To be eligible for the Promotion, clients must successfully apply through Standard Chartered Bank (Hong Kong) Limited (the “Bank”), make payment for and be issued with at least one of Allianz’s eligible insurance plans in Health Protector series below (“Eligible Plan(s)”) during the Promotion Period (“New Purchase”):

Eligible Plans:

  • Allianz Accident Protect
  • Allianz Hospital Income Protect
  • Allianz Cancer Protect
  • Allianz Medical Protect
  • Allianz Ultra Medical Protect (Silver / Gold Plan)
  • Allianz Premium Medical Protect

Clients who fulfil the requirements as set out in these Terms and Conditions are eligible clients for the purposes of the Promotion (“Eligible Client”). The New Purchase must be issued in the name of the Eligible Client as the policyholder and become effective during the Promotion Period.

4. Supermarket shopping voucher (“Voucher”) will be awarded along with the New Purchase according to the below Annualised Aggregate Premium levels:

Annualised Aggregate Premium# Supermarket shopping voucher (total value)
HKD 1,000 to HKD 2,999 HKD 150
HKD 3,000 to HKD 4,999 HKD 300
HKD 5,000 to HKD 9,999 HKD 600
HKD 10,000 or above HKD 1,200

#Annualised Aggregate Premium is calculated by aggregating the annual premium (after deducting any discount) of all the Eligible Plan(s) applied by, and issued to, the same single policyholder within the Promotion Period.

5. The Voucher will be mailed to the Eligible Client(s)’s*^ last known correspondence address on Allianz’s record according to the Mailing Date as shown in the table below. Allianz Accident Protect, Allianz Hospital Income Protect, Allianz Cancer Protect, Allianz Medical Protect, Allianz Ultra Medical Protect and/or Allianz Premium Medical Protect Plan(s) must remain in force when the Voucher is mailed to the Eligible Client. The Voucher will not be replaced by the Bank or Allianz if lost, damaged or stolen. If the Eligible Client does not receive the Voucher, or if the Eligible Client has other question(s), the Eligible Client should contact Allianz Customer Service Hotline at (852) 8100 2402 for assistance according to the dates stated below.
(Business hours of Allianz Customer Service Hotline: Mon – Fri; 9am – 6pm, except public holidays)

Policy Application Date Voucher Mailing Date Date by which enquiry on the Offer must be made
3 Feb 2019 to 30 Apr 2019 31 Aug 2020 or before 30 Sep 2020 or before

6. The offer under this Promotion is subject to these Terms and Conditions and is not exchangeable for cash, other items or vouchers of other denomination.

7. No person other than the Eligible Client, the Bank and Allianz will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these Terms and Conditions.

8. These Terms and Conditions apply to the Promotion for Health Protector series only and no reference has been made to any other Allianz insurance policy or any coverage or content thereunder. Clients have read, understood and agreed to the terms of all insurance policies before applying for the relevant insurance.

9. The Bank and Allianz reserve the right to alter or terminate the Promotion and/or amend these Terms and Conditions at any time without notice.

10. All matters or disputes in relation to the Promotion and the interpretation of Terms and Conditions herein shall be subject to the decision of the Bank and Allianz, which shall be final and binding.

B. Special Terms and Conditions for the Voucher

11. The following terms and conditions are applicable to the Voucher and its use, and are to be construed in addition to and together with the Terms and Conditions in Section A provided above.

12. The Voucher and its use is subject to the Terms and Conditions imposed by its issuer (the “Supplier”). The Bank and Allianz make no representation or guarantee as to the quality and availability of the Voucher, the products/services purchased or redeemed using the Voucher nor the information provided by the Supplier, or any other supplier that may be engaged to perform services in relation to the Health Protector Promotion and do not have any obligations or liabilities for any matter arising from or in connection with the Voucher and those products, services, or information.

13. Clients understand and accept that the Bank and Allianz are not the Supplier, nor the supplier of the products/ services purchased or redeemed using the Voucher. The Bank and Allianz shall bear no liability relating to any aspect of those products/services, including without limitation, their quality, supply, descriptions, and any false trade description, misrepresentation, mis-statement, omission, unauthorized representation, unfair trade practices or conduct in connection with those products/services, whether by the Supplier, the supplier of the products/services, or their respective employees, officers or agents.

14. Any enquiry or complaint with respect to the Voucher or the products/services purchased or redeemed using the Voucher should be directed to the Supplier. The Bank and Allianz assume no responsibility/liability in respect thereof.

Allianz Accident Protect, Allianz Hospital Income Protect, Allianz Cancer Protect, Allianz Medical Protect, Allianz Ultra Medical Protect and Allianz Premium Medical Protect Plans are underwritten by Allianz Global Corporate & Specialty SE (incorporated in the Federal Republic of Germany with limited liabilities) Hong Kong Branch (“Allianz”) which is a general insurer authorized and regulated by the Insurance Authority of the HKSAR. The Bank is an insurance agent of Allianz.

If there is any inconsistency or conflict between the English and the Chinese versions of these Terms and Conditions and/or any details of the Promotion, the English version shall prevail.

*The policyholder and the Eligible Client must be the same person.

^This refers to the Eligible Client who submits an application for the Eligible Plan(s).

Hk gi healthsaver banner x

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.