Overview
Excel Hospital Income Plan covers your hospital expenses for up to HK$1,000 per day and surgical expenses.
Key Features
-
Daily Cash Benefit
Up to HK$1,000 per day for hospital confinement. The maximum cover limit is HK$750,000
-
Surgical Expenses Benefit
Up to HK$20,000 is payable when a surgical operation is required for the Insured Person.
-
Infectious Disease Payout
HK$20,000 is payable when the Insured Person is confined to hospital and is certified being contracted with any of 18 specified infectious diseases.
-
Accidental Death Benefit
A lump sum of HK$200,000 is provided in the event of accidental death.
Benefits
| Maximum Benefits (HK$) Plan 750 |
Maximum Benefits (HK$) Plan 1000 |
||
| 1 | Daily Cash Benefit up to 750 days1 | 750 per day | 1,000 per day |
| 2 | Double Daily Cash Benefit up to 100 days1 | 1,500 per day | 2,000 per day |
| 3 | Infectious Disease Cash Benefit2 | 20,000 | 20,000 |
| 4 | Accidental Death Benefit | 200,000 | 200,000 |
| 5 | Surgical Expenses Benefit | 15,000 | 20,000 |
Remarks:
- Up to 30 days for hospitalisation in Mainland China.
- Hospital confinement due to having contracted any of the 18 infectious diseases listed in the policy: 1) Severe Acute Respiratory Syndrome 2) Dengue Fever 3) Japanese Encephalitis 4) Variant Creutzfeldt-Jakob Disease (Human Mad Cow Disease) 5) Legionnaires' Disease 6) Amoebic Dysentery 7) Cholera 8) Malaria 9) Measles 10) Tetanus 11) Anthrax 12) Leprosy 13) Rabies (Human) 14) Diphtheria 15) Acute Poliomyelitis 16) Yellow Fever 17) Plague 18) Scarlet Fever.
- Children between 6 months to 17 years old must be enrolled with their parent(s) and the benefit amount will be half of the limit as described in the Schedule.
Premium Table
| Age Group (As per policy effective day) | Monthly Premium (HK$) | |||
|---|---|---|---|---|
| Plan 750 | Plan 750
(After Discount) |
Plan 1,000 | Plan 1000
(After Discount) |
|
| 0-17years | 100 | 75 | 130 | 97.5 |
| 18-39 years | 155 | 116.3 | 215 | 161.3 |
| 40-49 years | 245 | 183.8 | 330 | 247.5 |
| 50-59 years | 385 | 288.8 | 535 | 401.3 |
| 60-64 years (for renewal only) | 560 | 420 | 780 | 585 |
| Important Note: Collection of Levy on Insurance Premium With effect from 2018-01-01, the Levy collected by Insurance Authority will be imposed on the above premium amount at the applicable rate. For further information, please visit msig.com.hk. |
Remarks applicable to Permium:
- Children between 6 months to 17 years old must be enrolled with their parent(s) and the benefit amount will be half of the limit as described in the Schedule.
- Age group of 60 to 64 is applicable for renewal only.
- Premium will be adjusted when the Insured Persons enter the next age group according to the Premium Table.
- If Insured Persons and their family (spouse or unmarried children) are insured under this plan together, each person receives an extra 10% premium discount.
Major Exclusions
- This plan does not cover any claim arising from actor, entertainer, stunt person, aircrew member, staff of casino, other gambling establishments, police, armed forces personnel, staff of nightclubs, saunas, massage parlours or construction workers, interior decoration workers.
- Pre-existing conditions, illness occurred within 30 days from the policy effective date, routine check-ups, vaccinations, cosmetic surgery, dental treatment, convalescent care, pregnancy, childbirth or miscarriage, cogenital and hereditary conditions, mental or psychiatric disorders, participation in hazardous sports or pastime.
Disclaimer and Important Notes
The above plan is underwritten by MSIG Insurance (Hong Kong) Limited ("MSIG") which is a general insurer authorized and regulated by the Commissioner of Insurance of the HKSAR. Standard Chartered Bank (Hong Kong) Limited ("Standard Chartered Bank (Hong Kong) Limited") is an insurance agent appointed by MSIG. 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 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 MSIG.
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.
The above plan, offered by MSIG, is only available for subscription by residents of the HKSAR, subject to the relevant Terms and Conditions
In respect of an eligible dispute 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 is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved between directly MSIG and the customer.
The above information is intended to be promotional material only. It is for reference only and does not form an offer for subscription to any insurance product. The policy may contain terms and conditions which are not detailed above. If there is any discrepancy between the information contained above and the terms of the policy, the terms of policy shall prevail. For exact terms and conditions and details of the exclusions, please refer to the relevant policy or contact MSIG.
General Insurance offered by MSIG, are only available for subscription by residents of the Hong Kong Special Administrative Region, subject to relevant terms and conditions. MSIG is a general insurer authorized and regulated by the Commissioner of Insurance of the Hong Kong Special Administrative Region. Standard Chartered Bank (Hong Kong) Limited (the "Bank") is an insurance agent appointed by MSIG. To the extent permissible by law, the Bank shall not be liable for any person for the use of any of the above information.