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Keep your health safe with a reliable medical plan

Contact Us

Keep your health safe with a reliable medical plan

Allianz Medical Protect

It is a Certified Standard Plan under Voluntary Health Insurance Scheme (“VHIS”) . Enjoy tax deduction for the relevant premium paid, reducing your financial burden and providing adequate care. Apply via our insurance hotline 3408 1638.

*Allianz Medical Protect is VHIS certified plan and the premium payable under this policy is eligible for tax exemption. The issuance of Allianz Medical Protect does not necessarily mean you are eligible for any tax deduction for the premiums you have paid for Allianz Medical Protect. For further information on tax deduction under the VHIS, please contact the Inland Revenue Department.

Benefits Table^(HKD)

Allianz Medical Protect (1)
Annual Benefit Limit 420,000

per Policy Year

Room Type* All
Territory Cover Worldwide
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
Basic benefits Benefit limit
1)        Hospitalisation benefits
(a)     Room and board (per day) 750

Maximum 180 days

per Policy Year

(b)     Miscellaneous charges 14,000

per Policy Year

(c)     Attending doctor’s visit fee (per day) 750

Maximum 180 days

per Policy Year

(d)     Specialist’s fee(3) 4,300

per Policy Year

(e)     Intensive care(per day) 3,500

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
Major 25,000
 Intermediate 12,500
  Minor 5,000
(g)    Anaesthetist’s fee(per surgery) 35% of Surgeon’s fee payable (5)
(h)     Operating theatre charges (per surgery) 35% of Surgeon’s fee payable (5)
3)      Non hospitalisation and surgical benefits
(i)       Prescribed Diagnostic Imaging Tests(3)(4) 20,000

per Policy Year

30% Coinsurance(7)

(j)       Prescribed Non-surgical Cancer Treatments(6) 80,000

per Policy Year

(k)     Pre- and post-Confinement / Day Case Procedure outpatient care(3)(9) 3,000

per Policy Year;
1 visit Pre- and 3 visit Post- within 90 days
580 per visit

(l)       Psychiatric treatments(8) 30,000

per Policy Year


(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)Prescribed Non-surgical Cancer Treatments covered here only include chemotherapy, radiotherapy, targeted therapy, immunotherapy and hormonal therapy.

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

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

(9)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.

^ All benefits described in Allianz 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.

Premium Table

Please click here to view the premium table.

For details of Allianz Medical Protect, please visit Allianz’s website:

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.