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MediSure Pro
We provide lifelong medical protection to you and your family
We understand you desire to deserve quality healthcare services. And now, MediSure Pro^ provides lifelong protection to you and your family and commits 4 guarantees:
| 1. | Comprehensive Cover for Major Hospitalisation Expenses - miscellaneous hospital charges, in-hospital specialists, surgeons†, anaesthetists† and operation theatre charges† will be reimbursed comprehensively. |
| 2. | Lifelong Protection with Guaranteed Renewal – your protection will not be affected due to aging or claim records. |
| 3. | No waiting period# – you are protected starting from the policy effective date. |
| 4. | International Payment Guarantee~ -- No matter wherever you are, we will arrange hospital payment for you, so that you don't have to pay cash upfront and can enjoy a total peace of mind. |
Table of Benefits
(With effect from 1 September 2011)| Core Cover | |||||
| Gold Plan | Diamond Plan | ||||
| Overall Maximum Limit Per Year* | HK$250,000 | HK$500,000 | |||
| Overall Maximum Limit Per Disability** | HK$250,000 | HK$500,000 | |||
| * Overall Maximum Limit per any one period of insurance, irrespective of how many disabilities are suffered during that period of insurance. **Overall Maximum Limit for any one disability claimed aggregately during any one period of insurance and any subsequent periods of insurance. |
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| (A) Hospital & Related Services Benefit | |||||
| Maximum Limit - per year | HK$250,000 | HK$500,000 | |||
| Room & Board - per day | HK$950 | HK$1,600 | |||
| Accompany Bed - for one adult family member for hospitalisation of children of age 17 or below |
Full Cover | Full Cover | |||
| Intensive Care - supplement to Room & Board |
Full Cover | Full Cover | |||
| Miscellaneous Hospital Charges | Full Cover | Full Cover | |||
| Physician Fees - per day | HK$950 | HK$1,600 | |||
| In-hospital Specialists | Full Cover | Full Cover | |||
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| Pre-Hospital Diagnostic Services and Post-Hospital Follow-up Treatment - within 30 days before admission and 60 days after discharge |
Full Cover | Full Cover | |||
| Home Nursing following Hospitalisation - up to 26 weeks per year |
Full Cover | Full Cover | |||
| Outpatient Chemotherapy / Radiotherapy / Renal Dialysis | Full Cover | Full Cover | |||
| Public Hospital Cash Benefit - per day | HK$700 | HK$1,200 | |||
| Lifetime Limit - per person, applied at or above age 70 | HK$1,000,000 | HK$2,000,000 | |||
| (B) Additional Benefits | |||||
| Free Medical Service at Appointed Centre | Once per year | Once per year | |||
| International Payment Guarantee | Available | Available | |||
| 24-hour Overseas Emergency Assistance | Available | Available | |||
| Optional Cover | |||||
| (C) Serious Illness Benefit | |||||
| Overall Maximum Limit for Serious Illness Benefit | HK$250,000 | HK$500,000 | |||
| Maximum Limit for Optional Lady Care Benefit | HK$50,000 | HK$100,000 | |||
| Notes: | |
| ^ | MediSure Pro is underwritten by MSIG Insurance (Hong Kong) Limited ("MSIG") which is a general insurer authorised and regulated by the Commissioner of Insurance of the Hong Kong Special Administrative Region. 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 maximum limit of surgeon, anaesthetist and operation theatre charges for Gold Plan and Diamond Plan should be according to surgical schedule up to HK$135,000 and HK$270,000 respectively. |
| # | Not applicable to Optional Cover. |
| ~ | Upon receipt of adequate prior notification of claim for Hospital in-patient treatment, 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. |
| + | According to Surgical Schedule |
| 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: the 1st calendar day of the following month after approval of application. |
| • | A loading of 10% premium is required for stand-alone child cover. |
| • | No refund of premium is allowed once the policy has been issued. |
| • | Premium and terms may be adjusted at renewal at the discretion of MSIG. |
| 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 : | |
| 1. | 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. |
| 2. | MediSure Pro, offered by MSIG, is only available for subscription by residents of the Hong Kong Special Administrative Region, subject to the relevant terms and conditions. |
| 3. | Should there be any inconsistency or conflict between the English and Chinese versions, the English version shall prevail for all purposes. |
Please click here to refer to MediSure Pro – Table of Benefits before 1 September 2011.