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Enjoy up to HK$1,200 Cash Rewards with Health Protector1

Allianz Medical Protect & Ultra Medical Protect

These are Certified Plans under Voluntary Health Insurance Scheme (“VHIS”). Enjoy tax deduction for the relevant premium paid, reducing your financial burden and providing adequate care.

* 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.

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TERMS AND CONDITIONS APPLY

Benefits Table^(HKD)
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 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
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
From the 181st 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
From the 181st 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
From the 26th 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 181st day of Confinement in a Policy Year
Private nursing (per day) 500 1,000
From the 181st 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.

Premium Table

Please click here to view the premium table.

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

Important Notes

Disclaimer and Important Notes

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.