MediSure Pro Insurance

Overall Maximum Limit per disability

(A) Hospital & Related Services Benefit

1. Maximum Limit

• per year

2. Room & Board

• per day

3. Accompany Bed

• for one adult family member for hospitalisation of children of aged 17 or below

4. Intensive Care

• Supplement to Room & Board

5. Miscellaneous Hospital Charges

6. Physician Fees

• per day

7. In-Hospital Specialists

8. Surgical Fees

• per operation

9. Anaesthetist Fee

• per operation

10. Operation Theatre

• per operation

11. Pre-admission Outpatient Visits and Post-Hospital Follow-up Treatment

• 2 visits within 30 days before admission
• Follow-up Treatment 60 days after discharge

12. Private Nursing

• up to 26 weeks per disability

13. Outpatient Chemotherapy / Radiotherapy / Kidney Dialysis Treatment

14. Public Hospital Cash Benefit

• per day

15. Lifetime Limit

• per person, applied at or above age 70

(B) Additional Benefits

1. Free Medical Service at Appointed Centre

2. International Payment Guarantee^{^}

3. 24-hour International Emergency Assistance

4. Job Changer Hospital Benefit²

• per year

(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

2. 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

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.

# For renewal only

# For renewal only

# For renewal only