MediSure Pro Insurance which is underwritten by MSIG Insurance (Hong Kong) Limited, offers you a premium discount on comprehensive coverage of up to 65% for deductible options and enjoy features such as Lifelong Protection with Guaranteed Renewal.

Benefit Table

Benefit Table is in effect from 1 December 2014.

  Gold Plan Diamond Plan Medical Top Up Plan1

Overall Maximum Limit per disability

250,000 500,000 N/A

(A) Hospital & Related Services Benefit

  1. Maximum Limit

  • per year
250,000 500,000 250,000
  1. Room & Board

  • per day
1,050 1,800 50% reimbursement for each eligible claim up to Maximum Limit per year
  1. Accompany Bed

  • for one adult family member for hospitalisation of children of aged 17 or below
Full Cover Full Cover
  1. Intensive Care

  • Supplement to Room & Board
Full Cover Full Cover
  1. Miscellaneous Hospital Charges

Full Cover Full Cover
  1. Physician Fees

  • per day
1,050 1,800
  1. In-Hospital Specialists

Full Cover Full Cover
  1. Surgical Fees

  • per operation
145,000* 290,000*
  1. Anaesthetist Fee

  • per operation
  1. Operation Theatre

  • per operation
  1. Pre-admission Outpatient Visits and Post-Hospital Follow-up Treatment

  • 2 visits within 30 days before admission
  • Follow-up Treatment 60 days after discharge
Full Cover Full Cover
  1. Private Nursing

  • up to 26 weeks per disability
Full Cover Full Cover
  1. Outpatient Chemotherapy / Radiotherapy / Kidney Dialysis Treatment

Full Cover Full Cover
  1. Public Hospital Cash Benefit

  • per day
800 1,300 N/A
  1. Lifetime Limit

  • per person, applied at or above age 70
1,000,000 2,000,000 N/A

(B) Additional Benefits

  1. Free Medical Service at Appointed Centre

Once per year
  1. International Payment Guarantee^

Available N/A
  1. 24-hour International Emergency Assistance

Available
  1. Job Changer Hospital Benefit2

  • per year
N/A 25,000

(C) Optional Serious Illness Benefit

  1. Overall Maximum Limit for Serious Illness Benefit

Comprehensive Cover for 12 types of Critical Illness:

  • Cancer (spread of malignant cell)
  • Stroke (permanent neurological damage)
  • Heart attack
  • Coronary artery-bypass surgery
  • Complete liver failure (end stage liver failure)
  • Kidney failure (end stage kidney failure)
  • Major organ transplant(s)
  • Motor neurone disease
  • Loss of hearing (both ears)
  • Blindness (both eyes)
  • Major burns
  • Coma
250,000 500,000 250,000
  1. Maximum Limit for Optional Lady Care Benefit3

Female specific cancers in situ

  • Breast
  • Fallopian tube
  • Cervix (CIN III or above)
  • Vagina / Vulva
  • Uterus
  • Ovary

Female Illnesses

  • Rheumatoid arthritis
  • Osteoporosis leading to hip fractures
  • Systemic lupus erythematosus (SLE) with lupus nephritis
50,000 100,000 50,000

Remarks:

  1. The insured person should own a valid hospital & surgical insurance policy at the time of hospital confinement or treatment; otherwise the benefit for Top Up Plan will become invalid.
  2. Waiting period: 90 days from the effective date of Medical Top Up Plan. Maximum period of coverage: within 120 days from the date of termination of employment. The Insured Person has to provide proof of termination of employment upon submission of claim.
  3. Optional Lady Care Benefit is a rider benefit of Optional Serious Illness Benefit and cannot be insured separately. Benefit paid for Optional Lady Care Benefit will reduce the Overall Maximum Limit for Optional Serious Illness Benefit.

* According to Surgical Schedule

^ Upon receipt of adequate prior notification of claim for Hospital in-patient treatment, MSIG Insurance (Hong Kong) Limited ("MSIG") will confirm the extent of insurance benefits, monitor claims procedures, issue (wherever possible) appropriate payment guarantees and/or arrange direct settlement to the Hospitals, Physicians or other service providers subject always to policy terms and conditions. No such payment guarantees or direct settlements can be made if MSIG is not contacted in advance with all relevant details as stated above. Covered outpatient services are not subject to payment guarantees or direct settlement and must be paid by the Insured Person and reimbursement claimed under the policy.

Premium

Core Cover

Age Group Gold Plan Diamond Plan Medical
Top Up Plan
Monthly
(HK$)
Annual
(HK$)
Monthly
(HK$)
Annual
(HK$)
Monthly
(HK$)
Annual
(HK$)
15 days to 6 years 295 3,186 375 4,050 120 1,296
7-17 years 255 2,754 335 3,618 100 1,080
18-29 years 380 4,104 490 5,292 145 1,566
30-39 years 460 4,968 590 6,372 175 1,890
40-49 years 590 6,372 755 8,154 210 2,268
50-59 years 850 9,180 1,095 11,826 295 3,186
60-69 years 1,340 14,472 1,710 18,468 480# 5,184#
70 years or above# 1,695 18,306 2,180 23,544 - -

# For renewal only

Optional Cover

Optional Serious illness Benefit

Age Group Gold Plan Diamond Plan Medical
Top Up Plan
Monthly
(HK$)
Annual
(HK$)
Monthly
(HK$)
Annual
(HK$)
Monthly
(HK$)
Annual
(HK$)
18-29 years 45 486 85 918 45 486
30-39 years 100 1,080 195 2,106 100 1,080
40-49 years 175 1,890 345 3,726 175 1,890
50-59 years 495 5,346 985 10,638 495 5,346
60-65 years# 915 9,882 1,825 19,710 915 9,882

# For renewal only

Optional Lady Care Benefit

Age Group Gold Plan Diamond Plan Medical
Top Up Plan
Monthly
(HK$)
Annual
(HK$)
Monthly
(HK$)
Annual
(HK$)
Monthly
(HK$)
Annual
(HK$)
18-29 years 40 432 80 864 40 432
30-39 years 35 378 70 756 35 378
40-49 years 30 324 60 648 30 324
50-59 years 35 378 70 756 35 378
60-65 years# 70 756 140 1,512 70 756

# For renewal only

Major Exclusions

  1. Pre-existing conditions before policy effective date
  2. Routine medical check-ups and vaccinations
  3. Cosmetic surgery
  4. Dental treatment or oral surgery related to teeth (unless for restoration or replacement of sound natural teeth within 14 days of accident)
  5. Convalescent care
  6. Pregnancy or childbirth (not applicable to Serious Illness Benefit), infertility, contraception and sterilization
  7. Congenital and heredity conditions
  8. Mental and psychiatric disorders
  9. Elective overseas treatment for non-emergency medical conditions
  10. Participation of hazardous sports and pastime
  11. Hospital in-patient treatment for conditions which can be properly treated as an outpatient. This includes hospitalisation primarily for diagnostic scanning, X-ray examinations or physiotherapy treatment.
Important Notes:

MediSure Pro Insurance 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 (“SCBHK”) is an insurance agent appointed by MSIG. To the extent permissible by law, SCBHK 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.

MediSure Pro Insurance, 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 SCBHK and the customer out of the selling process or processing of the related transaction, SCBHK 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.

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