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

Benefits Maximum Benefit (HK$)
Gold Plan Diamond Plan

Core Cover

Overall Limit per Year

  • Overall limit per any one period of insurance, irrespective of how many disabilities are suffered during that period of insurance.
250,000 500,000

Overall Limit per Disability

  • Overall limit for any one disability claimed aggregately during any one period of insurance and any subsequent periods of insurance.
250,000 500,000

(A) Hospital & Related Services Benefit

250,000 500,000
  1. Room & Board

1,050 per day 1,800 per day
  1. Accompany Bed

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

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

Full Cover Full Cover
  1. Physician Fees

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

Full Cover Full Cover
  1. Surgical Fees

  • Surgeon Fee (including day-surgery)
  • Anaesthetist Fee
  • Operation Theatre
145,000 per operation 290,000 per
  1. Pre-Hospital Diagnostic Services and Post-Hospital Follow-Up Treatment

  • Within 30 days before admission and 60 days after discharge
Full Cover Full Cover
  1. Home Nursing Following Hospitalisation

  • Up to 26 weeks per year
Full Cover Full Cover
  1. Outpatient Chemotherapy / Radiotherapy / Renal Dialysis

Full Cover Full Cover
  1. Public Hospital Cash Benefit

800 per day 1,300 per day
  1. Lifetime Limit

  • Before aged 70
  • At or above aged 70
Full Cover
1,000,000 per person
Full Cover
2,000,000 per

(B) Additional Benefits

  1. Free Medical Service at Appointed Centre

Once per year Once per year
  1. International Payment Guarantee

Available Available
  1. 24-hour Overseas Emergency Assistance

Available Available

(C) Optional Cover

  1. Serious Illness Benefit

  • Cancer (spread of malignant cells)
  • Stroke (permanent neurological damage)
  • Heart attack
  • Coronary artery-bypass surgery
  • End stage liver failure
  • End stage renal failure
  • Major organ transplant(s)
  • Motor neuron disease
  • Loss of hearing (both ears)
  • Blindness (both eyes)
  • Major burns
  • Coma
250,000 500,000
  1. Optional Lady Care Benefit

Critical Female Illnesses

  • Female-specific cancers in-situ
  • Breast
  • Fallopian tube
  • Cervix (CIN III or above)
  • Vagina / Vulva
  • Uterus
  • Ovary
50,000 100,000

Female Illnesses

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


  1. The Benefit Table is in effect from 1 September 2013. For the Benefit Table before 1 September 2013, please click here for details.
  2. The maximum limit of surgeon, anaesthetist and operation theatre charges for Gold Plan and Diamond Plan should be according to surgical schedule up to HK$145,000 and HK$290,000 respectively.
  3. Optional Lady Care Benefit is a rider benefit of Serious Illness Benefit and cannot be insured separately.
  4. Benefit paid for Optional Lady Care Benefit will reduce the Overall Maximum Limit for Serious Illness Benefit.


Core Cover

Age Groups Gold Plan Diamond Plan
15 days-6 years 3,024 280 3,834 355
7-17 years 2,646 245 3,456 320
18-29 years 3,888 360 5,022 465
30-39 years 4,698 435 6,048 560
40-49 years 6,048 560 7,776 720
50-59 years 8,802 815 11,286 1,045
*60-69 years (renewal only) 13,770 1,275 17,604 1,630
*70 years or above (renewal only) 17,442 1,615 22,410 2,075

Optional Cover

Age Groups Serious Illness Benefit Optional Lady Care Benefit
Monthly Premium (HK$) Annual Premium (HK$)* Monthly Premium (HK$) Annual Premium (HK$)*
Gold Plan Diamond Plan Gold Plan Diamond Plan Gold Plan Diamond Plan Gold Plan Diamond Plan
18-29 years 45 85 486 918 40 80 432 864
30-39 years 100 195 1,080 2,106 35 70 378 756
40-49 years 175 345 1,890 3,726 30 60 324 648
50-59 years 495 985 5,346 10,638 35 70 378 756
60-65 years (renewal only) 915 1,825 9,882 19,710 70 140 756 1,512

*10% premium discount has already been applied on the premium zone in the table.


  1. Age group is calculated based on last birthday.
  2. Optional Lady Care Benefit is a rider benefit of Serious Illness Benefit and cannot be insured separately.
  3. Benefit paid for Optional Lady Care Benefit will reduce the Overall Maximum Limit for Serious Illness Benefit.
  4. Policy effective date will be the first calendar day of the following month after approval of application.
  5. A loading of 10% premium is required for stand-alone child cover.
  6. Premium and terms may be adjusted at renewal at the discretion of MSIG Insurance (Hong Kong) Limited.

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.


To speak directly with MSIG, please call 3122 6722.
Hotline service hours: Monday to Friday 9:00 am to 5:30 pm

Email Us

Alternatively, please complete our contact form and we will be in touch as soon as possible.

Email Us »

Locate Us

Visit the branch that is nearest to you.

Find a Branch »

You might also be interested in

Travel Insurance

Offers you extensive choice of travel insurance plan options may bring you peace of mind.

Learn more »
Home Contents Insurance

Cover against loss or damage to your home contents caused by fire, typhoon, water damage, theft, etc. for up to HK$1,000,000 per year.

Learn more »
Private Motor Insurance

Protects the loss of or damage to you and your car against accidental damage, theft and third-party liability.

Learn more »
Excel Hospital Income Plan

Daily Cash Benefit for confinement worldwide in any public or private hospital for up to HK$1,000 per day.

Learn more »

Haven't found what you were looking for?

Back to Top