MediSure Pro Insurance

Overall Limit per Year

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

Overall Limit per Disability

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

(A) Hospital & Related Services Benefit

1. Room & Board

2. Accompany Bed

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

3. Intensive Care

• Supplement to Room & Bed

4. Miscellaneous Hospital Charges

5. Physician Fees

6. In-Hospital Specialists

7. Surgical Fees

• Surgeon Fee (including day-surgery)
• Anaesthetist Fee
• Operation Theatre

8. Pre-Hospital Diagnostic Services and Post-Hospital Follow-Up Treatment

• Within 30 days before admission and 60 days after discharge

9. Home Nursing Following Hospitalisation

• Up to 26 weeks per year

10. Outpatient Chemotherapy / Radiotherapy / Renal Dialysis

11. Public Hospital Cash Benefit

12. Lifetime Limit

• Before aged 70
• At or above aged 70

(B) Additional Benefits

1. Free Medical Service at Appointed Centre

2. International Payment Guarantee

3. 24-hour Overseas Emergency Assistance

(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

2. Optional Lady Care Benefit

Critical Female Illnesses

• 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 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.

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

Remarks:

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.