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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.
MediSure Pro Insurance
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.
Systemic lupus erythematosus (SLE) with lupus nephritis
Remarks:
The Benefit Table is in effect from 1 September 2013. For the Benefit Table before 1 September 2013, please click here for details.
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$290,000 respectively.
Optional Lady Care Benefit is a rider benefit of Serious Illness Benefit and cannot be insured separately.
Benefit paid for Optional Lady Care Benefit will reduce the Overall Maximum Limit for Serious Illness Benefit.
Premium
Core Cover
Age Groups
Gold Plan
Diamond Plan
Annual (HK$)
Monthly (HK$)
Annual (HK$)
Monthly (HK$)
15 days-6 years
3,024
280
3,834
355
7-17 years
2,646
245
3,456
320
18-29 years
3,888
360
5,022
465
30-39 years
4,698
435
6,048
560
40-49 years
6,048
560
7,776
720
50-59 years
8,802
815
11,286
1,045
*60-69 years (renewal only)
13,770
1,275
17,604
1,630
*70 years or above (renewal only)
17,442
1,615
22,410
2,075
Optional Cover
Age Groups
Serious Illness Benefit
Optional Lady Care Benefit
Monthly Premium (HK$)
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.
Remarks:
Age group is calculated based on last birthday.
Optional Lady Care Benefit is a rider benefit of Serious Illness Benefit and cannot be insured separately.
Benefit paid for Optional Lady Care Benefit will reduce the Overall Maximum Limit for Serious Illness Benefit.
Policy effective date will be the first calendar day of the following month after approval of application.
A loading of 10% premium is required for stand-alone child cover.
Premium and terms may be adjusted at renewal at the discretion of MSIG Insurance (Hong Kong) Limited.
Major Exclusions
Pre-existing conditions before policy effective date
Routine medical check-ups and vaccinations
Cosmetic surgery
Dental treatment or oral surgery related to teeth (unless for restoration or replacement of sound natural teeth within 14 days of accident)
Convalescent care
Pregnancy or childbirth (not applicable to Serious Illness Benefit), infertility, contraception and sterilization
Congenital and heredity conditions
Mental and psychiatric disorders
Elective overseas treatment for non-emergency medical conditions
Participation of hazardous sports and pastime
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.
Call MSIG
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.
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