Voluntary Health Insurance – Standard Chartered HK

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

Allianz Medical Protect & Ultra Medical Protect

Apply Now

Allianz Medical Protect & Ultra Medical Protect

Allianz Medical Protect and Allianz Ultra Medical Protect are Voluntary Health Insurance Scheme (VHIS) certified plans and the premium payable under this policy is eligible for tax exemption. The issuance of Allianz Medical Protect and Allianz Ultra Medical Protect do not necessarily mean you are eligible for any tax deduction for the premiums you have paid for Allianz Medical Protect and Allianz Ultra Medical Protect. For further information on tax deduction under the VHIS, please contact the Inland Revenue Department.

TERMS AND CONDITIONS APPLY.

Extensive Coverage On Hospital Expenses

Up to HK$100,000 per policy year. Hospital expenses include (but not limited to) road ambulance service to and / or from the hospital, rental of walking aids and wheelchair for Inpatients; and physiotherapy, occupational therapy and speech therapy during Confinement.

Annual Benefit Limit

Up to HK$1,000,000 coverage for Confinement, Day Case Procedure and additional benefits, to ease your financial planning.

Flexibility Option

Optional supplementary major medical benefit is available to meet your needs for further protection.

Tax Deductible Benefit

Up to HKD8,000 per insured person per year. There is no cap on the number of dependents (Policy Holder’s spouse or child or parent) that are eligible for tax deduction*.

ALLIANZ HOSPITAL INCOME PROTECT PROMOTION

Enjoy 10% discount upon successful application

Apply Now Apply Now

	Allianz Medical Protect⁽¹⁾		Allianz Ultra Medical Protect (Silver Plan) ⁽¹⁾⁽⁶⁾		Allianz Ultra Medical Protect (Gold Plan)⁽¹⁾⁽⁶⁾
Annual Benefit Limit	420,000 per Policy Year		500,000 per Policy Year		1,000,000 per Policy Year
Room Type*	All		All		All
Territory Cover	Worldwide		Asia^#		Asia^#
Guaranteed Renewability⁽²⁾	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 1^st year, 25% in the 2^nd year and 50% in the 3^rd year)and full coverage (i.e. 100%) from the 4^th year onwards.
Issue Age	15 days to 80 years old
A. Basic benefits	Benefit limit
1) Hospitalisation benefits
(a) Room and board (per day)	750 Maximum 180 days per Policy Year		1,500 Maximum 180 days per Policy Year		2,500 Maximum 180 days per Policy Year
(b) Miscellaneous charges	14,000 per Policy Year		50,000 per Policy Year		100,000 per Policy Year
(c) Attending doctor’s visit fee (per day)	750 Maximum 180 days per Policy Year		1,500 Maximum 180 days per Policy Year		2,500 Maximum 180 days per Policy Year
(d) Specialist’s fee⁽³⁾	4,300 per Policy Year		6,000 per Policy Year		12,000 per Policy Year
(e) Intensive care (per day)	3,500 Maximum 25 days per Policy Year		4,000 Maximum 25 days per Policy Year		5,000 Maximum 25 days per Policy Year
2) Surgical benefits
(f) Surgeon’s fee (per surgery)	Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures
Complex	50,000		50,000		100,000
Major	25,000
Intermediate	12,500
Minor	5,000
(g) Anaesthetist’s fee (per surgery)	35% of Surgeon’s fees payable ⁽⁵⁾
(h) Operating theatre charges (per surgery)	35% of Surgeon’s fees payable ⁽⁵⁾
3) Non hospitalisation and surgical benefits
(i) Prescribed Diagnostic Imaging Tests^{(3) (4)}	20,000 per Policy Year 30% coinsurance⁽⁸⁾		20,000 per Policy Year 20% coinsurance⁽⁸⁾		25,000 per Policy Year 10% coinsurance⁽⁸⁾
(j) Prescribed Non-surgical Cancer Treatments⁽⁷⁾	80,000 per Policy Year		100,000 per Policy Year		150,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care^(3)(10)	3,000 per Policy Year; 1 visit Pre- and 3 visits Post- within 90 days 580 per visit		3,000 per Policy Year; 1 visit Pre- and 3 visits Post- within 90 days		7,000 per Policy Year; 1 visit Pre- and 3 visits Post- within 90 days
(l) Psychiatric treatments⁽⁹⁾	30,000 per Policy Year		30,000 per Policy Year		30,000 per Policy Year
B. Additional benefits
(1) Emergency outpatient treatments⁽¹⁰⁾	Not Applicable		3,000 per Policy Year		7,000 per Policy Year
(2) Outpatient kidney dialysis			100,000 per Policy Year		150,000 per Policy Year
(3) Companion bed (per day)			Full Cover Maximum 180 days per Policy Year		Full Cover Maximum 180 days per Policy Year
(4) Private nursing (per day)			500 Maximum 180 days per Policy Year		1,000 Maximum 180 days per Policy Year
(5) Home nursing (per day)			500 Post-surgery within 30 days		1,000 Post-surgery within 30 days
C. Optional benefits – supplementary major medical benefit ⁽¹¹⁾
		Allianz Ultra Medical Protect (Silver Plan) ⁽¹⁾⁽⁶⁾		Allianz Ultra Medical Protect (Gold Plan) ⁽¹⁾⁽⁶⁾
Annual Benefit Limit per Disability		200,000 per Policy Year		400,000 per Policy Year
Coinsurance⁽⁸⁾		20% (equivalent to 80% of reimbursement)		20% (equivalent to 80% of reimbursement)
Room Type*		All		All
Territory Cover		Hong Kong		Hong Kong
Basic benefits		Benefit limit
1) Hospitalisation benefits
Room and board (per day)		1,500		2,500
Room and board (per day)		From the 181^st day of Confinement in a Policy Year
Miscellaneous charges		In excess of the amount payable under benefit item (b)
Attending doctor’s visit fee (per day)		1,500		2,500
Attending doctor’s visit fee (per day)		From the 181^st day of Confinement in a Policy Year
Specialist’s fee⁽³⁾		In excess of the amount payable under benefit item (d)
Intensive care (per day)		4,000		5,000
Intensive care (per day)		From the 26^th day of stay in an Intensive Care Unit in a Policy Year
2) Surgical benefits
Surgeon‘s fees (per surgery)		In excess of the amount payable under benefit item (f)⁽⁵⁾
Anaesthetist’s fees (per surgery)		In excess of the amount payable under benefit item (g)⁽⁵⁾
Operating theatre charges (per surgery)		In excess of the amount payable under benefit item (h)⁽⁵⁾
(3) Non hospitalisation and surgical benefits
Prescribed Diagnostic Imaging Tests⁽³⁾⁽⁴⁾		Not Applicable
Prescribed Non-surgical Cancer Treatments⁽⁷⁾		Not Applicable
Pre- and post- Confinement / Day Case Procedure outpatient care^(3)(10)		Not Applicable
Psychiatric treatments⁽⁹⁾		Not Applicable
Additional benefits		Benefit limit
Emergency outpatient treatments⁽¹⁰⁾		In excess of the amount payable under benefit item (1)
Outpatient kidney dialysis		Not Applicable
Companion bed (per day)		Full Cover From the 181^st day of Confinement in a Policy Year
Private nursing (per day)		500		1,000
Private nursing (per day)		From the 181^st day of Confinement in a Policy Year
Home nursing (per day)		Not Applicable

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) The guaranteed renewal will be subject to re-underwriting if there is a change in occupation or Place of Residence of the Insured Person.

(3) 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.

(4) Prescribed Diagnostic Imaging Tests covered here only include computed tomography (“CT” scan), magnetic resonance imaging (“MRI” scan), positron emission tomography (“PET” scan), PET-CT combined and PET-MRI combined.

(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 Ultra Medical Protect (Sliver/Gold Plan) are less favourable than those under Allianz Medical Protect, Allianz Ultra Medical Protect (Sliver/Gold Plan) 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 Non-surgical Cancer Treatments covered here only include chemotherapy, radiotherapy, targeted therapy, immunotherapy and hormonal therapy.

(8) Coinsurance shall mean a percentage of Eligible Expenses the Policy Holder must contribute after paying the Deductible (if any) in a Policy Year.

(9) This benefit shall be payable for the Eligible Expenses charged during Confinement in Hong Kong as recommended by a Specialist.

(10)Where Eligible Expenses under this benefit are also covered under basic benefits, such Eligible Expenses shall be payable in the following order:

(i) this Emergency outpatient treatments;

(ii) basic benefits.

(11)This benefit shall not cover any Excess Eligible Expenses incurred outside Hong Kong, unless such Excess Eligible Expenses are directly resulting from an Accident or an Emergency outside Hong Kong as certified by a Registered Medical Practitioner.

^ All benefits described in Allianz Medical Protect and Allianz Ultra Medical Protect (Sliver/Gold Plan) 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.

Remarks:

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

Eligibility
1. Policy Holder must be (i) aged 18 or above; and (ii) a holder of Hong Kong Identity Card.
2. Insured Person(s) must be (i) aged between 15 days and 80 years; and (ii) holders of Hong Kong Identity Card (child(ren) under the age of 11 must also be Hong Kong residents to be eligible as the Insured Person(s)).
3. The Insured Person(s) must be the Policy Holder, his or her spouse or child(ren) or parent(s).
4. The Policy Holder and Insured Person must not be persons eligible for any coverage under or affected by the German health insurance system.
General Important Notes
1.Allianz has the right to request the Policy Holder to transfer the ownership of his policy to the Insured Person at the first renewal date after the Insured Person reaches 21 years old, given the Insured Person is Policy Holder’s child and the Insured Person is below age 21 at Policy Effective Date.

2.This summary has been prepared in both English and Chinese. Both English and Chinese versions are official versions and neither one shall prevail over the other. Any inconsistency shall be interpreted in favour of the Policy Holder.

3.The policy contains terms and conditions which are not detailed in this webpage. Terms used herein have the same meaning as defined in the policy. The information in this webpage does not contain the full terms of the plan. The full terms can be found in the Terms and Conditions together with the Benefit Table (including the Schedule of Surgical Procedures) and any related Supplement(s) under the plan. For exact terms and conditions and details of the general exclusions, please visit Allianz website at https://www.agcs.allianz.com/global-offices/hong-kong/bancassurance.html or contact Allianz Customer Service Hotline (852) 8100 2402.

4.Allianz Medical Protect is VHIS certified Standard plan – Certification Number: S00030-01-000-02. Allianz Ultra Medical Protect is VHIS certified Flexi Plan: Allianz Ultra Medical Protect (Silver Plan) – Certification Number: F00033-01-000-02; Allianz Ultra Medical Protect (Silver Plan with SMM) – Certification Number: F00033-01-001-02; Allianz Ultra Medical Protect (Gold Plan) – Certification Number: F00033-02-000-02; Allianz Ultra Medical Protect (Gold Plan with SMM) – Certification Number: F00033-02-001-02.

5.Any policy with policy inception date on or after 1 January 2018 is subject to the insurance levy. The premiums stated in the above tables are exclusive of levy collected by the Insurance Authority on relevant policy at the applicable rate. For further information, please visit https://www.agcs.allianz.com/global-offices/hong-kong/levy-notice.html or contact Allianz Customer Service Hotline (852) 81002402.
Key Policy General Exclusions
Allianz Medical Protect and Allianz Ultra Medical Protect shall not pay any benefits in relation to or arising from the following expenses:
1. Treatments, tests or services which are not Medically Necessary.
2. Human Immunodeficiency Virus (“HIV”) and its related disability which is contracted or occurs before the Policy Effective Date. If evidence of proof as to the time at which such disability is first contracted or occurs is not available, manifestation of such disability within the first 5 years after the Policy Effective Date shall be presumed to be contracted or occur before the Policy Effective Date.
3. Dependence, overdose or influence of drugs, alcohol, narcotics, self-inflicted injuries or attempted suicide, illegal activity, or venereal and sexually transmitted disease.
4. Beautification or cosmetic purposes.
5. Medical Services relating to maternity conditions and its complications.
6. Purchase of durable medical equipment or appliances (e.g. wheelchairs, portable oxygen and oxygen therapy devices, dialysis machines, spectacles, hearing aids, over-the-counter drugs). This exclusion shall not apply to rental of medical equipment or appliances during Confinement or on the day of the Day Case Procedure.
7. Experimental or unproven medical technology or procedure.
8. Medical Services provided as a result of Congenital Condition(s) which have manifested or been diagnosed before the Insured Person attained the age of 8 years.
9. War, civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection, or military or usurped power.
Please refer to the Terms and Conditions for the full list of general exclusions.
Cancellation within Cooling-off Period (not applicable for policy renewal)
The Policy Holder may exercise the right of cancellation with full refund of paid premium and any levy during the cooling-off period subject to submission of the cancellation request signed by the Policy Holder and received directly by Allianz within twenty one (21) days immediately following the day of the delivery of the policy documents provided no benefit payment has been made, is to be made or impending. For full details please refer to section 2 of part 2 of the Terms and Conditions that can be accessible in our website at https://www.agcs.allianz.com/global-offices/hong-kong/bancassurance.html or contact Allianz Customer Service Hotline (852) 8100 2402.

The above plan is 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 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.

You're about to leave our website

Allianz Medical Protect & Ultra Medical Protect

Allianz Medical Protect & Ultra Medical Protect

Extensive Coverage On Hospital Expenses

Annual Benefit Limit

Flexibility Option

Tax Deductible Benefit

Benefits Table^(HKD)

Important Notes

Disclaimer and Important Notes