? Buy online for an exclusive offer of 15% off your first-year premium
? Additional 10% discount available for spouse or kids
? Benefit for compulsory quarantine(14)due to novel coronavirus infection – For policyholders, an extra one-off payment of HK$2,000 cash for compulsory quarantine due to confirmed or suspected novel coronavirus infection which will apply during the period from now until 31 Dec 2021
? “Personal Medical Case Management Services” for 3 years (12)
? Join AIA Vitality and enjoy an instant 10% premium discount(13)
Worldwide
(For psychiatric treatment, the territorial scope only covers Taipei)
Worldwide
(For psychiatric treatment, the territorial scope only covers Taipei)
Worldwide
(For psychiatric treatment, the territorial scope only covers Taipei)
Worldwide
(For psychiatric treatment, the territorial scope only covers Taipei)
Worldwide
(For psychiatric treatment, the territorial scope only covers Taipei)
Worldwide
(For psychiatric treatment, the territorial scope only covers Taipei)
Worldwide
(For psychiatric treatment, the territorial scope only covers Taipei)
Worldwide
(For psychiatric treatment, the territorial scope only covers Taipei)
Worldwide
(For psychiatric treatment, the territorial scope only covers Taipei)
Worldwide
(For psychiatric treatment, the territorial scope only covers Taipei)
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$750 per day
(Max. 180 days per policy)
$750 per day
(Max. 180 days per policy)
$750 per day
(Max. 180 days per policy)
$750 per day
(Max. 180 days per policy)
$750 per day
(Max. 180 days per policy)
$750 per day
(Max. 180 days per policy)
$750 per day
(Max. 180 days per policy)
$750 per day
(Max. 180 days per policy year)
$750 per day
(Max. 180 days per policy)
$750 per day
(Max. 180 days per policy year)
$750 per day
(Max. 180 days per policy Year)
$750 per day
(Max. 180 days per policy Year)
$750 per day
(Max. 180 days per policy Year)
$750 per day
(Max. 180 days per policy Year)
$750 per day
(Max. 180 days per policy Year)
$750 per day
(Max. 180 days per policy Year)
$750 per day
(Max. 180 days per policy Year)
$750 per day
(Max. 180 days per policy Year)
$750 per day
(Max. 180 days per policy Year)
$750 per day
(Max. 180 days per policy Year)
$3,500 per Policy Year
(Max. 25 days per Policy Year)
$3,500 per Policy Year
(Max. 25 days per Policy Year)
$3,500 per Policy Year
(Max. 25 days per Policy Year)
$3,500 per Policy Year
(Max. 25 days per Policy Year)
$3,500 per Policy Year
(Max. 25 days per Policy Year)
$3,500 per Policy Year
(Max. 25 days per Policy Year)
$3,500 per Policy Year
(Max. 25 days per Policy Year)
$3,500 per Policy Year
(Max. 25 days per Policy Year)
$3,500 per Policy Year
(Max. 25 days per Policy Year)
$3,500 per Policy Year
(Max. 25 days per Policy Year)
35% of Surgeon's fee payable(5)
35% of Surgeon's fee payable(5)
35% of Surgeon's fee payable(5)
35% of Surgeon's fee payable(5)
35% of Surgeon's fee payable(5)
35% of Surgeon's fee payable(5)
35% of Surgeon's fee payable(5)
35% of Surgeon's fee payable(5)
35% of Surgeon's fee payable(5)
35% of Surgeon's fee payable(5)
35% of Surgeon's fee payable(5)
35% of Surgeon's fee payable(5)
35% of Surgeon's fee payable(5)
35% of Surgeon's fee payable(5)
35% of Surgeon's fee payable(5)
35% of Surgeon's fee payable(5)
35% of Surgeon's fee payable(5)
35% of Surgeon's fee payable(5)
35% of Surgeon's fee payable(5)
35% of Surgeon's fee payable(5)
$20,000
Subject to 30% Coinsurance
$20,000
Subject to 30% Coinsurance
$20,000
Subject to 30% Coinsurance
$20,000
Subject to 30% Coinsurance
$20,000
Subject to 30% Coinsurance
$20,000
Subject to 30% Coinsurance
$20,000
Subject to 30% Coinsurance
$20,000
Subject to 30% Coinsurance
$20,000
Subject to 30% Coinsurance
$20,000
Subject to 30% Coinsurance
$580 per visit, up to $3,000 per Policy Year
? 1 prior outpatient visit or Emergency consultation per Confinement /Day Case Procedure
? 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after
discharge from Hospital or completion of Day Case Procedure)
$580 per visit, up to $3,000 per Policy Year
? 1 prior outpatient visit or Emergency consultation per Confinement /Day Case Procedure
? 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after
discharge from Hospital or completion of Day Case Procedure)
$580 per visit, up to $3,000 per Policy Year
? 1 prior outpatient visit or Emergency consultation per Confinement /Day Case Procedure
? 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after
discharge from Hospital or completion of Day Case Procedure)
$580 per visit, up to $3,000 per Policy Year
? 1 prior outpatient visit or Emergency consultation per Confinement /Day Case Procedure
? 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after
discharge from Hospital or completion of Day Case Procedure)
$580 per visit, up to $3,000 per Policy Year
? 1 prior outpatient visit or Emergency consultation per Confinement /Day Case Procedure
? 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after
discharge from Hospital or completion of Day Case Procedure)
$580 per visit, up to $3,000 per Policy Year
? 1 prior outpatient visit or Emergency consultation per Confinement /Day Case Procedure
? 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after
discharge from Hospital or completion of Day Case Procedure)
$580 per visit, up to $3,000 per Policy Year
? 1 prior outpatient visit or Emergency consultation per Confinement /Day Case Procedure
? 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after
discharge from Hospital or completion of Day Case Procedure)
$580 per visit, up to $3,000 per Policy Year
? 1 prior outpatient visit or Emergency consultation per Confinement /Day Case Procedure
? 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after
discharge from Hospital or completion of Day Case Procedure)
$580 per visit, up to $3,000 per Policy Year
? 1 prior outpatient visit or Emergency consultation per Confinement /Day Case Procedure
? 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after
discharge from Hospital or completion of Day Case Procedure)
$580 per visit, up to $3,000 per Policy Year
? 1 prior outpatient visit or Emergency consultation per Confinement /Day Case Procedure
? 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after
discharge from Hospital or completion of Day Case Procedure)
$500 per week (payable for 52 weeks)(6)
$500 per week (payable for 52 weeks)(6)
? DoctorNow app for virtual consultation and medication
? Cashless hospitalisation(8)
? Medical Classification Hotline and Care Manager
? Medical Classification Hotline to classify treatment and estimate your plan coverage
? Registered Nurse as your Care Manager for Major and Complex surgeries
? Online customer portal to manage your policies and make claims
? Fully End-to-End Digital VHIS Experience - from initial application and online underwriting, to making a claim, everything can be done on your smartphone
? Claim Assistance - a dedicated case manager will follow up, and will assist with the estimation and online submission of your claims
? BowtieCash Program - unique loyalty program that enables customers to earn BowtieCash to pay for eligible medical costs that exceed the VHIS Standard Plan coverage. For details, please refer to the campaign rules of the BowtieCash Program
? Qualified doctor and nurse concierge services - provide professional second medical opinion, explanation of treatment, hospital information and health tips
? Covers necessary medical expenses up to HK$420,000 every year which will be restored in the next policy year
? Covers hospital expenses (eg. Specialist's, Surgeon's, Anesthetist's fee)
? Covers surgeries performed in a clinic or day-case unit of a hospital (eg. wound sutures, plaster casts and endoscopies)
? Covers prescribed non-surgical cancer treatments (eg. radiotherapy, chemotherapy, targeted therapy, immunotherapy)
? Covers prescribed diagnostic imaging tests (eg. MRI and CT scans)(16)
? Covers psychiatric treatments(17)
• Claim pre-assessment in 1 business day and claim result notification in 5 business days
• Provides worldwide coverage (15) for all local and overseas medical expenses
• Worldwide covered
• 24-hour hotline support
• Enjoy No Claim Discount
• Free online service platform (iAsia) to check your policy details, claim details, list of network doctors, submission of claim
? 24 hours hotline service
? Claim Assistance - a dedicated case manager will follow up, and will assist with the estimation and online submission of your claims
? FWD eServices mobile app allow you to manage FWD insurance account
? Worldwide support service(7)
? No Claim Discount(9)
? Easy consultations with network surgery card(10)
? Credit Facility Service for Hospitalisation(11)
? Buy online for an exclusive offer of 15% off your first-year premium
? Additional 10% discount available for spouse or kids
Child discount (Applicable to insured persons below 18):
. 25% child discount when the child enrols with one parent
. 35% child discount when the child enrols with both parents
No claim renewal discount:
. 2 or 3 consecutive policy years: 5%
. 4 or 5 consecutive policy years: 10%
. 6 or more consecutive policy years: 15%
Screen reader support enabled.
Child discount (Applicable to insured persons below 18):
. 25% child discount when the child enrols with one parent
. 35% child discount when the child enrols with both parents
No claim renewal discount:
. 2 or 3 consecutive policy years: 5%
. 4 or 5 consecutive policy years: 10%
. 6 or more consecutive policy years: 15%
Child discount (Applicable to insured persons below 18):
. 25% child discount when the child enrols with one parent
. 35% child discount when the child enrols with both parents
No claim renewal discount:
. 2 or 3 consecutive policy years: 5%
. 4 or 5 consecutive policy years: 10%
. 6 or more consecutive policy years: 15%
From now to 30 June 2022,
? Enter promo code "vhis50" to enjoy 50% off discount for 1st year
? Enjoy continuous 25% discount from 2nd year onwards
? Free 1-year membership for an unlimited visit with discounted network outpatient service
From now to 30 June 2022,
? Enter promo code "vhis50" to enjoy 50% off discount for 1st year
? Enjoy continuous 25% discount from 2nd year onwards
? Free 1-year membership for an unlimited visit with discounted network outpatient service
From now to 30 June 2022,
? Enter promo code "vhis50" to enjoy 50% off discount for 1st year
? Enjoy continuous 25% discount from 2nd year onwards
? Free 1-year membership for an unlimited visit with discounted network outpatient service
From now to 30 June 2022,
? Enter promo code "vhis50" to enjoy 50% off discount for 1st year
? Enjoy continuous 25% discount from 2nd year onwards
? Free 1-year membership for an unlimited visit with discounted network outpatient service
From now to 30 June 2022,
? Enter promo code "vhis50" to enjoy 50% off discount for 1st year
? Enjoy continuous 25% discount from 2nd year onwards
? Free 1-year membership for an unlimited visit with discounted network outpatient service
Worldwide
(For psychiatric treatment, rehabilitative care and medical negligence benefit, the territorial scope only covers Taipei)
Worldwide excluding the United States (19)
Worldwide excluding the United States (19)
Worldwide
(For psychiatric treatment, the territorial scope only covers Taipei)
Worldwide
(For psychiatric treatment, the territorial scope only covers Taipei)
Worldwide
(For psychiatric treatment, the territorial scope only covers Taipei)
Worldwide
(For psychiatric treatment, rehabilitative care and medical negligence benefit, the territorial scope only covers Taipei)
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No restriction
(Except for supplementary major medical benefit)
Standard ward(22)
No restriction
(Except for supplementary major medical benefit)
$2,200 per day(7)
$1,100 per day (7)
$1,200 per day (Max. 180 days per Policy Year)
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$1,200 per day (Max. 180 days per Policy Year)
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$800 per day
(Max. 180 days per Policy Year)
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$800 per day
(Max. 180 days per Policy Year)
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$800 per day
(Max. 180 days per Policy Year)
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$26,000
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$26,000
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$20,000
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$20,000
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$20,000
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$2,000 per day(7)
$960 per day (7)
$1,200 per day (Max. 180 days per Policy Year)
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$1,200 per day (Max. 180 days per Policy Year)
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$800 per day
(Max. 180 days per Policy Year)
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$800 per day
(Max. 180 days per Policy Year)
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$800 per day
(Max. 180 days per Policy Year)
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$6,100 per Disability
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$6,100 per Disability
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$4,800 per Disability
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$4,800 per Disability
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$4,800 per Disability
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$5,500 per day
(Max. 60 days per Policy Year)
$4,375 per day (Max. 25 days per Policy Year)
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$4,375 per day (Max. 25 days per Policy Year)
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$3,500 per day
(Max. 25 days per Policy Year)
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$3,500 per day
(Max. 25 days per Policy Year)
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$3,500 per day
(Max. 25 days per Policy Year)
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Complex-$99,840
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Major-$49,920
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Intermediate-$24,960
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Minor-$9,984
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Complex-$99,840
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Major-$49,920
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Intermediate-$24,960
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Minor-$9,984
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Complex-$76,800
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Major-$38,400
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Intermediate-$19,200
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Minor-$7,680
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Complex-$76,800
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Major-$38,400
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Intermediate-$19,200
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Minor-$7,680
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Complex-$76,800
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Major-$38,400
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Intermediate-$19,200
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Minor-$7,680
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
35% of surgeon's fee payable(5)
35% of surgeon's fee payable(5)
35% of surgeon's fee payable(20)
35% of surgeon's fee payable(20)
Complex-$34,944
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Major-$17,472
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Intermediate-$8,736
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Minor-$3,494.4
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Complex-$34,944
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Major-$17,472
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Intermediate-$8,736
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Minor-$3,494.4
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Complex-$26,880
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Major-$13,440
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Intermediate-$6,720
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Minor-$2,688
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Complex-$26,880
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Major-$13,440
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Intermediate-$6,720
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Minor-$2,688
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Complex-$26,880
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Major-$13,440
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Intermediate-$6,720
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Minor-$2,688
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
35% of surgeon's fee payable(5)
35% of surgeon's fee payable(5)
35% of surgeon's fee payable(20)
35% of surgeon's fee payable(20)
Complex-$34,944
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Major-$17,472
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Intermediate-$8,736
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Minor-$3,494.4
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Complex-$34,944
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Major-$17,472
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Intermediate-$8,736
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Minor-$3,494.4
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Complex-$26,880
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Major-$13,440
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Intermediate-$6,720
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Minor-$2,688
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Complex-$26,880
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Major-$13,440
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Intermediate-$6,720
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Minor-$2,688
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Complex-$26,880
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Major-$13,440
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Intermediate-$6,720
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
Minor-$2,688
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
$40,000
Subject to 30% Coinsurance
$1,100per visit, up to $6,400 per Policy Year
? 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure
? 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
$1000 per visit, up to $15,000 per Policy Year
? 2 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure
? 10 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
$580 per visit, up to $3,000 per policy year
• 2 prior outpatient visits or emergency consultations per confinement/day case procedure
• 3 follow-up outpatient visits per confinement/day case procedure (within 90 days after discharge from hospital or completion of day case procedure)
$800 per visit, up to $5,000 per policy year
• 2 prior outpatient visits or emergency consultations per confinement/day case procedure
• 3 follow-up outpatient visits per confinement/day case procedure (within 90 days after discharge from hospital or completion of day case procedure)
Up to $3,200 per Policy Year
? 2 prior outpatient visits or Emergency consultation per Confinement/Day Case Procedure
? All related follow-up outpatient visits per(Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
Up to $5,500 per Policy Year
? 2 prior outpatient visits or Emergency consultation per Confinement/Day Case Procedure
? All related follow-up outpatient visits per(Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
$580 per visit, up to $3,000 per Policy Year
? 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure
? 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
i) $1,200
ii) $1,000
Up to $8,400 per Policy Year
i) $1,200
ii) $1,000
Up to $8,400 per Policy Year
i) $1,200
ii) $1,000
Up to $8,400 per Policy Year
i) $1,200
ii) $1,000
Up to $8,400 per Policy Year
i) $1,200
ii) $1,000
Up to $8,400 per Policy Year
$8,000 per Policy Year(23)
$8,000 per Policy Year(23)
$100,000 per Policy Year(23)
$50,000 per Policy Year(23)
$800 per day
? Only payable for daily nursing services provided within 180 days after discharge from Confinement(23)
$500 per day
?Only payable for daily nursing services provided within 180 days after discharge from Confinement(23)
(with 90 days after discharge from Hospital)
(i) Home nursing
(ii) Assistant healthcare service
Subject to one (1) visit per day per service(2)
$600 per visit
$6,000 per policy year
(with 90 days after discharge from Hospital)
(i) Home nursing
(ii) Assistant healthcare service
Subject to one (1) visit per day per service(2)
$600 per visit
$6,000 per policy year
(with 90 days after discharge from Hospital)
(i) Home nursing
(ii) Assistant healthcare service
Subject to one (1) visit per day per service(2)
$600 per visit
$6,000 per policy year
(with 90 days after discharge from Hospital)
(i) Home nursing
(ii) Assistant healthcare service
Subject to one (1) visit per day per service(2)
$600 per visit
$6,000 per policy year
(with 90 days after discharge from Hospital)
(i) Home nursing
(ii) Assistant healthcare service
Subject to one (1) visit per day per service(2)
$600 per visit
$6,000 per policy year
$1,500 per day, up to $20,000 per Policy Year
? Only payable for Stay within 90 days after discharge
from Confinement(23)
$750 per day, up to $10,000 per Policy Year
? Only payable for Stay within 90 days after discharge from Confinement(23)
$800 per day(23)
HK$450 per day (21)
HK$450 per day (21)
$350 per day(23)
$520 per day
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
(For Insured Person Aged below 18 or above 65 only)
$520 per day
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
(For Insured Person Aged below 18 or above 65 only)
$400 per day
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
(For Insured Person Aged below 18 or above 65 only)
$400 per day
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
(For Insured Person Aged below 18 or above 65 only)
$400 per day
[Surgical Package performed at CUHKMC (Ward)]
Full Cover
(For Insured Person Aged below 18 or above 65 only)
$220,000 per Policy Year
Subject to 20% Coinsurance(23)
$150,000 per Policy Year (10)Subject to 10% Coinsurance (except for medical services provided in a medical clinics where Coinsurance will be waived)
$120,000 per Policy Year
Subject to 20% Coinsurance(23)
$40,000 per Policy Year (23)
$20,000 per Policy Year (23)
$800 per surgical procedure (23)
$500 per surgical procedure (23)
$600 per day
Maximum 90 days per Policy Year (23)
$400 per day
Maximum 90 days per Policy Year (23)
$1,000,000 on death of the Insured Person (23)
$1,000,000 on death of the Insured Person (23)
$800 per week (payable for 52 weeks) (23)
$500 per week (payable for 52 weeks) (23)
$1,000,000 per Policy Year(8)
? for Benefit Items (a) - (l) and Enhanced Benefit Items (a) - (e)
$600,000 per Policy Year (8)
? for Benefit Items 1(a) - (l) and Enhanced Benefit Items (a) - (e)
Nil
? for Benefit Items (a) - (l), Enhanced Benefit Items(a) - (f) and Other Benefits (a) - (d)
Nil
? for Benefit Items(a) - (l), Enhanced Benefit Items (a) - (f) and Other Benefits (a) - (d)
Fully End-to-End Digital VHIS Experience - from initial application and online underwriting, to making a claim, everything can be done on your smartphone
Claim Assistance - a dedicated case manager will follow up, and will assist with the estimation and online submission of your claims
BowtieCash Program - unique loyalty program that enables customers to earn BowtieCash to pay for eligible medical costs that exceed the VHIS Standard Plan coverage. For details, please refer to the campaign rules of the BowtieCash Program
Qualified doctor and nurse concierge services - provide professional second medical opinion, explanation of treatment, hospital information and health tips
? DoctorNow app for virtual consultation and medication
? Cashless hospitalisation (9)
? Medical Classification Hotline and Care Manager
? Unknown Pre-existing Conditions are entitled to full coverage and not subject to any waiting period
• Claim pre-assessment in 1 business day and claim result notification in 5 business days
• Includes enhanced benefits, such as companion bed, private nursing, outpatient kidney dialysis, and medical appliances, etc
• Provides worldwide coverage (19) for all local and overseas medical expenses.
• Claim pre-assessment in 1 business day and claim result notification in 5 business days
• Includes enhanced benefits, such as companion bed, private nursing, outpatient kidney dialysis, and medical appliances, etc
• Provides worldwide coverage (19) for all local and overseas medical expenses.
? Expand your basic coverage with optional benefits for doctor’s visits, dental care and more. Choose any or all optional benefits to meet your
healthcare needs. (12)
? 24-hour telephone support
? myBupa online customer service portal allow you to manage your policy
? All claims settled within 5-7 working days
after receiving full documentation
? Expand your basic coverage with optional benefits for doctor’s visits, dental care and more. Choose any or all optional benefits to meet your
healthcare needs. (12)
? 24-hour telephone support
? myBupa online customer service portal allow you to manage your policy
? All claims settled within 5-7 working days
after receiving full documentation
? Expand your basic coverage with optional benefits for doctor’s visits, dental care and more. Choose any or all optional benefits to meet your
healthcare needs. (12)
? 24-hour telephone support
? myBupa online customer service portal allow you to manage your policy
? All claims settled within 5-7 working days
after receiving full documentation
? Fully End-to-End Digital VHIS Experience - from initial application and online underwriting, to making a claim, everything can be done on your smartphone
? Claim Assistance - a dedicated case manager will follow up, and will assist with the estimation and online submission of your claims
? BowtieCash Program - unique loyalty program that enables customers to earn BowtieCash to pay for eligible medical costs that exceed the VHIS Standard Plan coverage. For details, please refer to the campaign rules of the BowtieCash Program
? Qualified doctor and nurse concierge services - provide professional second medical opinion, explanation of treatment, hospital information and health tips
? The 1st VHIS medical plan collaborate with CUHK Medical Centre (CUHK MC) in Taipei.
? Cashless hospitalisation. Fully cover over 5,000 surgical packages provided by CUHK MC.
? No deductible, No “Lifetime Benefit Limit”, Worldwide Coverage.
? Cover unknown pre-existing conditions on the 31st day after the policy effective.
? No claim bonus - Free 10% increment of the existing annual benefit limit, up to HK$913,000.
? 24 hour hotline support
? Free online service platform (iAsia) to check your policy details, claim details, list of network doctors, submission of claim
? The 1st VHIS medical plan collaborate with CUHK Medical Centre (CUHK MC) in Taipei.
? Cashless hospitalisation. Fully cover over 5,000 surgical packages provided by CUHK MC.
? No deductible, No “Lifetime Benefit Limit”, Worldwide Coverage.
? Cover unknown pre-existing conditions on the 31st day after the policy effective.
? No claim bonus - Free 10% increment of the existing annual benefit limit, up to HK$913,000.
? 24 hour hotline support
? Free online service platform (iAsia) to check your policy details, claim details, list of network doctors, submission of claim
? The 1st VHIS medical plan collaborate with CUHK Medical Centre (CUHK MC) in Taipei.
? Cashless hospitalisation. Fully cover over 5,000 surgical packages provided by CUHK MC.
? No deductible, No “Lifetime Benefit Limit”, Worldwide Coverage.
? Cover unknown pre-existing conditions on the 31st day after the policy effective.
? No claim bonus - Free 10% increment of the existing annual benefit limit, up to HK$913,000.
? 24 hour hotline support
? Free online service platform (iAsia) to check your policy details, claim details, list of network doctors, submission of claim
? The 1st VHIS medical plan collaborate with CUHK Medical Centre (CUHK MC) in Taipei.
? Cashless hospitalisation. Fully cover over 5,000 surgical packages provided by CUHK MC.
? No deductible, No “Lifetime Benefit Limit”, Worldwide Coverage.
? Cover unknown pre-existing conditions on the 31st day after the policy effective.
? No claim bonus - Free 10% increment of the existing annual benefit limit, up to HK$913,000.
? 24 hour hotline support
? Free online service platform (iAsia) to check your policy details, claim details, list of network doctors, submission of claim
? The 1st VHIS medical plan collaborate with CUHK Medical Centre (CUHK MC) in Taipei.
? Cashless hospitalisation. Fully cover over 5,000 surgical packages provided by CUHK MC.
? No deductible, No “Lifetime Benefit Limit”, Worldwide Coverage.
? Cover unknown pre-existing conditions on the 31st day after the policy effective.
? No claim bonus - Free 10% increment of the existing annual benefit limit, up to HK$913,000.
? 24 hour hotline support
? Free online service platform (iAsia) to check your policy details, claim details, list of network doctors, submission of claim
• Limited-time offer! Till 30 June 2022, Apply Cigna VHIS Series - Flexi Plan (Superior) through EarningShot, enjoy special premium refund for up to 6 months
• apply
• Buy online for an exclusive offer of 15% off
• Limited-time offer! Till 30 June 2022, Apply Cigna VHIS Series - Flexi Plan (Superior) through EarningShot, enjoy special premium refund for up to 6 months
• apply
• Buy online for an exclusive offer of 15% off
• Limited-time offer! Till 30 June 2022, Apply Cigna VHIS Series - Flexi Plan (Superior) through EarningShot, enjoy special premium refund for up to 6 months
• apply
• Buy online for an exclusive offer of 15% off
• Limited-time offer! Till 30 June 2022, Apply Cigna VHIS Series - Flexi Plan (Superior) through EarningShot, enjoy special premium refund for up to 6 months
• apply
• Buy online for an exclusive offer of 15% off
• Limited-time offer! Till 30 June 2022, Apply Cigna VHIS Series - Flexi Plan (Superior) through EarningShot, enjoy special premium refund for up to 6 months
• apply
• Buy online for an exclusive offer of 15% off
Asia(9) (10)
(For psychiatric treatment, the territorial scope only covers Taipei)
Asia(22)
Asia(22)
Asia(9) (10)
(For psychiatric treatment, the territorial scope only covers Taipei)
Asia(9) (10)
(For psychiatric treatment, the territorial scope only covers Taipei)
Asia(9) (10)
(For psychiatric treatment, the territorial scope only covers Taipei)
Asia(9) (10)
(For psychiatric treatment, the territorial scope only covers Taipei)
Asia19
Worldwide excluding the United States20
Asia19
Worldwide excluding the United States20
Asia19
Worldwide excluding the United States20
Asia19
Worldwide excluding the United States20
Asia(18)
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Taipei, Macau, Taiwan and Mainland China: Semi-Private Room
Other Asia, Australia and New Zealand regions: Standard Private Room
Semi-Private or lower(10)
Semi-Private Room (23)
Standard Private Room (23)
Taipei, Macau, Taiwan and Mainland China: Semi-Private Room
Other Asia, Australia and New Zealand regions: Standard Private Room
Taipei, Macau, Taiwan and Mainland China: Semi-Private Room
Other Asia, Australia and New Zealand regions: Standard Private Room
Taipei, Macau, Taiwan and Mainland China: Semi-Private Room
Other Asia, Australia and New Zealand regions: Standard Private Room
Taipei, Macau, Taiwan and Mainland China: Semi-Private Room
Other global regions excluding America: Standard Private Room
Taipei, Macau, Taiwan and Mainland China: Semi-Private Room
Other global regions excluding America: Standard Private Room
Taipei, Macau, Taiwan and Mainland China: Semi-Private Room
Other global regions excluding America: Standard Private Room
Taipei, Macau, Taiwan and Mainland China: Semi-Private Room
Other global regions excluding America: Standard Private Room
Semi-Private or lower(10)
Semi-Private or lower(10)
Semi-Private or lower(10)
Semi-Private or lower(10)
Semi-private(19)
Semi-private(19)
No Dollar Limit
(Max. 180 days per Policy Year)
No Dollar Limit
(Max. 180 days per Policy Year)
No Dollar Limit
(Max. 180 days per Policy Year)
No Dollar Limit
(Max. 180 days per Policy Year)
No Dollar Limit
(Max. 180 days per Policy Year)
$1,350 per day
(Max. 180 days per policy)
$1,350 per day
(Max. 180 days per policy)
No dollar limit
(Max. 180 days per policy)
No Dollar Limit
(Max. 180 days per Policy Year)
No Dollar Limit
(Max. 180 days per Policy Year)
No Dollar Limit
(Max. 180 days per Policy Year)
No Dollar Limit
(Max. 180 days per Policy Year)
No Dollar Limit
(Max. 180 days per Policy Year)
$1,350 per day
(Max. 180 days per policy Year)
$1,350 per day
(Max. 180 days per policy Year)
No dollar limit
(Max. 180 days per policy Year)
No Dollar Limit
(Max. 25 days per Policy Year)
Full cover (Max. 30 days per Policy Year)(2)
Full cover (Max. 30 days per Policy Year)(2)
No Dollar Limit
(Max. 25 days per Policy Year)
No Dollar Limit
(Max. 25 days per Policy Year)
No Dollar Limit
(Max. 25 days per Policy Year)
No Dollar Limit
(Max. 25 days per Policy Year)
$4,300 per day
(Max. 25 days per Policy Year)
$4,300 per day
(Max. 25 days per Policy Year)
No dollar limit
(Max. 25 days per Policy Year)
Complex:
[Specified Endoscopy Procedure(24) (Non-Network)] $100,000
[Other surgeries including Network Endoscopy] Full cover
Major:
[Specified Endoscopy Procedure(24) (Non-Network)] $50,000
[Other surgeries including Network Endoscopy] Full cover
Intermediate:
[Specified Endoscopy Procedure(24) (Non-Network)] $25,000
[Other surgeries including Network Endoscopy] Full cover
Minor:
[Specified Endoscopy Procedure(24) (Non-Network)] $15,000
[Other surgeries including Network Endoscopy] Full cover
Complex:
[Specified Endoscopy Procedure(24) (Non-Network)] $200,000
[Other surgeries including Network Endoscopy] Full cover
Major:
[Specified Endoscopy Procedure(24) (Non-Network)] $100,000
[Other surgeries including Network Endoscopy] Full cover
Intermediate:
[Specified Endoscopy Procedure(24) (Non-Network)] $50,000
[Other surgeries including Network Endoscopy] Full cover
Minor:
[Specified Endoscopy Procedure(24) (Non-Network)] $25,000
[Other surgeries including Network Endoscopy] Full cover
35% of applicable surgeon's fee payable(25)
Complex:
[Specified Endoscopy Procedure(24) (Non-Network)] $35,000
[Other surgeries including Network Endoscopy] Full cover
Major:
[Specified Endoscopy Procedure(24) (Non-Network)] $17,500
[Other surgeries including Network Endoscopy] Full cover
Intermediate:
[Specified Endoscopy Procedure(24) (Non-Network)] $8,750
[Other surgeries including Network Endoscopy] Full cover
Minor:
[Specified Endoscopy Procedure(24) (Non-Network)] $5,250
[Other surgeries including Network Endoscopy] Full cover
35% of applicable surgeon's fee payable(25)
Complex:
[Specified Endoscopy Procedure(24) (Non-Network)] $70,000
[Other surgeries including Network Endoscopy] Full cover
Major:
[Specified Endoscopy Procedure(24) (Non-Network)] $35,000
[Other surgeries including Network Endoscopy] Full cover
Intermediate:
[Specified Endoscopy Procedure(24) (Non-Network)] $17,500
[Other surgeries including Network Endoscopy] Full cover
Minor:
[Specified Endoscopy Procedure(24) (Non-Network)] $8,750
[Other surgeries including Network Endoscopy] Full cover
35% of surgeon's fee payable(5)
35% of surgeon's fee payable(5)
35% of surgeon's fee payable(5)
35% of applicable surgeon's fee payable(25)
Complex:
[Specified Endoscopy Procedure(24) (Non-Network)] $35,000
[Other surgeries including Network Endoscopy] Full cover
Major:
[Specified Endoscopy Procedure(24) (Non-Network)] $17,500
[Other surgeries including Network Endoscopy] Full cover
Intermediate:
[Specified Endoscopy Procedure(24) (Non-Network)] $8,750
[Other surgeries including Network Endoscopy] Full cover
Minor:
[Specified Endoscopy Procedure(24) (Non-Network)] $5,250
[Other surgeries including Network Endoscopy] Full cover
35% of applicable surgeon's fee payable(25)
Complex:
[Specified Endoscopy Procedure(24) (Non-Network)] $70,000
[Other surgeries including Network Endoscopy] Full cover
Major:
[Specified Endoscopy Procedure(24) (Non-Network)] $35,000
[Other surgeries including Network Endoscopy] Full cover
Intermediate:
[Specified Endoscopy Procedure(24) (Non-Network)] $17,500
[Other surgeries including Network Endoscopy] Full cover
Minor:
[Specified Endoscopy Procedure(24) (Non-Network)] $8,750
[Other surgeries including Network Endoscopy] Full cover
35% of surgeon's fee payable(5)
35% of surgeon's fee payable(5)
35% of surgeon's fee payable(5)
$40,000
Subject to 30% Coinsurance
$40,000
Subject to 30% Coinsurance
$40,000
Subject to 30% Coinsurance
$40,000
Subject to 30% Coinsurance
$40,000
Subject to 30% Coinsurance
$40,000
Subject to 30% Coinsurance
$40,000
Subject to 30% Coinsurance
$40,000
Subject to 30% Coinsurance
$30,000
Subject to 30% Coinsurance
$30,000
Subject to 30% Coinsurance
Full cover(43) for the following specified visits:
? 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure
? 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
(2)
1 prior outpatient visit or Emergency consultation per Confinement/ Day Case Procedure taking place more than 90 days before admission or Day Case Procedure;
? All prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure taking place within 90 days before admission or Day Case Procedure; and
? All follow-up outpatient visits per Confinement/Day Case Procedure (within 365 days after discharge from Hospital or completion of Day Case Procedure)
No dollar limit
• 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure taking place more than 30 days before admission or Day Case Procedure;
• All prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure taking place within 30 days before admission or Day Case Procedure; and
• All follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
i. 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure
ii. All follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
$20,000
i. 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure
ii. All follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
$30,000
Full cover(43) for the following specified visits:
? 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure
? 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
(2)
Full cover(43) for the following specified visits:
? 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure
? 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
(2)
Full cover(43) for the following specified visits:
? 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure
? 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
(2)
Full cover(43) for the following specified visits:
? 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure
? 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
(2)
Full cover(43) for the following specified visits:
? 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure
? 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
(2)
Full cover(43) for the following specified visits:
? 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure
? 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
(2)
Full cover(43) for the following specified visits:
? 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure
? 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
(2)
1 prior outpatient visit or Emergency consultation per Confinement/ Day Case Procedure taking place more than 90 days before admission or Day Case Procedure;
? All prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure taking place within 90 days before admission or Day Case Procedure; and
? All follow-up outpatient visits per Confinement/Day Case Procedure (within 365 days after discharge from Hospital or completion of Day Case Procedure)
1 prior outpatient visit or Emergency consultation per Confinement/ Day Case Procedure taking place more than 90 days before admission or Day Case Procedure;
? All prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure taking place within 90 days before admission or Day Case Procedure; and
? All follow-up outpatient visits per Confinement/Day Case Procedure (within 365 days after discharge from Hospital or completion of Day Case Procedure)
1 prior outpatient visit or Emergency consultation per Confinement/ Day Case Procedure taking place more than 90 days before admission or Day Case Procedure;
? All prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure taking place within 90 days before admission or Day Case Procedure; and
? All follow-up outpatient visits per Confinement/Day Case Procedure (within 365 days after discharge from Hospital or completion of Day Case Procedure)
1 prior outpatient visit or Emergency consultation per Confinement/ Day Case Procedure taking place more than 90 days before admission or Day Case Procedure;
? All prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure taking place within 90 days before admission or Day Case Procedure; and
? All follow-up outpatient visits per Confinement/Day Case Procedure (within 365 days after discharge from Hospital or completion of Day Case Procedure)
1 prior outpatient visit or Emergency consultation per Confinement/ Day Case Procedure taking place more than 90 days before admission or Day Case Procedure;
? All prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure taking place within 90 days before admission or Day Case Procedure; and
? All follow-up outpatient visits per Confinement/Day Case Procedure (within 365 days after discharge from Hospital or completion of Day Case Procedure)
1 prior outpatient visit or Emergency consultation per Confinement/ Day Case Procedure taking place more than 90 days before admission or Day Case Procedure;
? All prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure taking place within 90 days before admission or Day Case Procedure; and
? All follow-up outpatient visits per Confinement/Day Case Procedure (within 365 days after discharge from Hospital or completion of Day Case Procedure)
1 prior outpatient visit or Emergency consultation per Confinement/ Day Case Procedure taking place more than 90 days before admission or Day Case Procedure;
? All prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure taking place within 90 days before admission or Day Case Procedure; and
? All follow-up outpatient visits per Confinement/Day Case Procedure (within 365 days after discharge from Hospital or completion of Day Case Procedure)
1 prior outpatient visit or Emergency consultation per Confinement/ Day Case Procedure taking place more than 90 days before admission or Day Case Procedure;
? All prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure taking place within 90 days before admission or Day Case Procedure; and
? All follow-up outpatient visits per Confinement/Day Case Procedure (within 365 days after discharge from Hospital or completion of Day Case Procedure)
1 prior outpatient visit or Emergency consultation per Confinement/ Day Case Procedure taking place more than 90 days before admission or Day Case Procedure;
? All prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure taking place within 90 days before admission or Day Case Procedure; and
? All follow-up outpatient visits per Confinement/Day Case Procedure (within 365 days after discharge from Hospital or completion of Day Case Procedure)
1 prior outpatient visit or Emergency consultation per Confinement/ Day Case Procedure taking place more than 90 days before admission or Day Case Procedure;
? All prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure taking place within 90 days before admission or Day Case Procedure; and
? All follow-up outpatient visits per Confinement/Day Case Procedure (within 365 days after discharge from Hospital or completion of Day Case Procedure)
1 prior outpatient visit or Emergency consultation per Confinement/ Day Case Procedure taking place more than 90 days before admission or Day Case Procedure;
? All prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure taking place within 90 days before admission or Day Case Procedure; and
? All follow-up outpatient visits per Confinement/Day Case Procedure (within 365 days after discharge from Hospital or completion of Day Case Procedure)
1 prior outpatient visit or Emergency consultation per Confinement/ Day Case Procedure taking place more than 90 days before admission or Day Case Procedure;
? All prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure taking place within 90 days before admission or Day Case Procedure; and
? All follow-up outpatient visits per Confinement/Day Case Procedure (within 365 days after discharge from Hospital or completion of Day Case Procedure)
1 prior outpatient visit or Emergency consultation per Confinement/ Day Case Procedure taking place more than 90 days before admission or Day Case Procedure;
? All prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure taking place within 90 days before admission or Day Case Procedure; and
? All follow-up outpatient visits per Confinement/Day Case Procedure (within 365 days after discharge from Hospital or completion of Day Case Procedure)
1 prior outpatient visit or Emergency consultation per Confinement/ Day Case Procedure taking place more than 90 days before admission or Day Case Procedure;
? All prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure taking place within 90 days before admission or Day Case Procedure; and
? All follow-up outpatient visits per Confinement/Day Case Procedure (within 365 days after discharge from Hospital or completion of Day Case Procedure)
1 prior outpatient visit or Emergency consultation per Confinement/ Day Case Procedure taking place more than 90 days before admission or Day Case Procedure;
? All prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure taking place within 90 days before admission or Day Case Procedure; and
? All follow-up outpatient visits per Confinement/Day Case Procedure (within 365 days after discharge from Hospital or completion of Day Case Procedure)
No dollar limit
• 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure taking place more than 30 days before admission or Day Case Procedure;
• All prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure taking place within 30 days before admission or Day Case Procedure; and
• All follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
No dollar limit
• 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure taking place more than 30 days before admission or Day Case Procedure;
• All prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure taking place within 30 days before admission or Day Case Procedure; and
• All follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
No dollar limit
• 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure taking place more than 30 days before admission or Day Case Procedure;
• All prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure taking place within 30 days before admission or Day Case Procedure; and
• All follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
No dollar limit
• 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure taking place more than 30 days before admission or Day Case Procedure;
• All prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure taking place within 30 days before admission or Day Case Procedure; and
• All follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
$1,600 per visit, up to $10,000 per Policy Year
? 2 prior outpatient visits or Emergency consultation per Confinement / Day Case Procedure
? Unlimited visits per confinement/day case procedure (within 90 days after discharge from hospital or completion of Day Case Procedure)
$1,600 per visit, up to $10,000 per Policy Year
? 2 prior outpatient visits or Emergency consultation per Confinement / Day Case Procedure
? Unlimited visits per confinement/day case procedure (within 90 days after discharge from hospital or completion of Day Case Procedure)
$1,600 per visit, up to $10,000 per Policy Year
? 2 prior outpatient visits or Emergency consultation per Confinement / Day Case Procedure
? Unlimited visits per confinement/day case procedure (within 90 days after discharge from hospital or completion of Day Case Procedure)
$1,600 per visit, up to $10,000 per Policy Year
? 2 prior outpatient visits or Emergency consultation per Confinement / Day Case Procedure
? Unlimited visits per confinement/day case procedure (within 90 days after discharge from hospital or completion of Day Case Procedure)
$1,600 per visit, up to $10,000 per Policy Year
? 2 prior outpatient visits or Emergency consultation per Confinement / Day Case Procedure
? Unlimited visits per confinement/day case procedure (within 90 days after discharge from hospital or completion of Day Case Procedure)
$1,600 per visit, up to $10,000 per Policy Year
? 2 prior outpatient visits or Emergency consultation per Confinement / Day Case Procedure
? Unlimited visits per confinement/day case procedure (within 90 days after discharge from hospital or completion of Day Case Procedure)
$1,600 per visit, up to $10,000 per Policy Year
? 2 prior outpatient visits or Emergency consultation per Confinement / Day Case Procedure
? Unlimited visits per confinement/day case procedure (within 90 days after discharge from hospital or completion of Day Case Procedure)
$1,600 per visit, up to $10,000 per Policy Year
? 2 prior outpatient visits or Emergency consultation per Confinement / Day Case Procedure
? Unlimited visits per confinement/day case procedure (within 90 days after discharge from hospital or completion of Day Case Procedure)
$1,600 per day
? Only payable for daily nursing services provided within 180 days after discharge from Hospital or completion of Day Case Procedure
(2)(41)
Within 90 days after discharge from Hospital
i. Home nursing
ii. Assistant healthcare service
Max. 1 visit for each service per day (2)
$600 per visit
$6,000 per Policy Year
Within 90 days after discharge from Hospital
i. Home nursing
ii. Assistant healthcare service
Max. 1 visit for each service per day (2)
$1,000 per visit
$7,000 per Policy Year
$1,600 per day
? Only payable for daily nursing services provided within 180 days after discharge from Hospital or completion of Day Case Procedure
(2)(41)
$1,600 per day
? Only payable for daily nursing services provided within 180 days after discharge from Hospital or completion of Day Case Procedure
(2)(41)
$1,600 per day
? Only payable for daily nursing services provided within 180 days after discharge from Hospital or completion of Day Case Procedure
(2)(41)
$1,600 per day
? Only payable for daily nursing services provided within 180 days after discharge from Hospital or completion of Day Case Procedure
(2)(41)
$1,600 per day
? Only payable for daily nursing services provided within 180 days after discharge from Hospital or completion of Day Case Procedure
(2)(41)
$1,600 per day
? Only payable for daily nursing services provided within 180 days after discharge from Hospital or completion of Day Case Procedure
(2)(41)
$1,600 per day
? Only payable for daily nursing services provided within 180 days after discharge from Hospital or completion of Day Case Procedure
(2)(41)
$2,500 per day, $34,000 per Policy Year
? Only payable for Stay within 90 days after discharge from Hospital
? Subject to prior written authorization by the Company
(2)(41)
$2,500 per day, $34,000 per Policy Year
? Only payable for Stay within 90 days after discharge from Hospital
? Subject to prior written authorization by the Company
(2)(41)
$2,500 per day, $34,000 per Policy Year
? Only payable for Stay within 90 days after discharge from Hospital
? Subject to prior written authorization by the Company
(2)(41)
$2,500 per day, $34,000 per Policy Year
? Only payable for Stay within 90 days after discharge from Hospital
? Subject to prior written authorization by the Company
(2)(41)
$2,500 per day, $34,000 per Policy Year
? Only payable for Stay within 90 days after discharge from Hospital
? Subject to prior written authorization by the Company
(2)(41)
$2,500 per day, $34,000 per Policy Year
? Only payable for Stay within 90 days after discharge from Hospital
? Subject to prior written authorization by the Company
(2)(41)
$2,500 per day, $34,000 per Policy Year
? Only payable for Stay within 90 days after discharge from Hospital
? Subject to prior written authorization by the Company
(2)(41)
$2,500 per day, $34,000 per Policy Year
? Only payable for Stay within 90 days after discharge from Hospital
? Subject to prior written authorization by the Company
(2)(41)
$800 per day
Maximum 60 days per policy year
$800 per day
Maximum 60 days per policy year
$800 per day
Maximum 60 days per policy year
$800 per day
Maximum 60 days per policy year
$800 per day
Maximum 60 days per policy year
$800 per day
Maximum 60 days per policy year
$800 per day
Maximum 60 days per policy year
$800 per day
Maximum 60 days per policy year
HK$550 per day(21)
HK$550 per day(21)
Semi-private:
HK$200,000 per policy year
20% coinsurance
$1,600 per day
Maximum 30 days per policy year
$1,600 per day
Maximum 30 days per policy year
$1,600 per day
Maximum 30 days per policy year
$1,600 per day
Maximum 30 days per policy year
$1,600 per day
Maximum 30 days per policy year
$1,600 per day
Maximum 30 days per policy year
$1,600 per day
Maximum 30 days per policy year
$1,600 per day
Maximum 30 days per policy year
$2,500 per day, $34,000 per Policy Year
? Only payable for Stay within 90 days after discharge from Hospital
? Subject to prior written authorization by the Company
(2)(41)
$2,500 per day, $34,000 per Policy Year
? Only payable for Stay within 90 days after discharge from Hospital
? Subject to prior written authorization by the Company
(2)(41)
$2,500 per day, $34,000 per Policy Year
? Only payable for Stay within 90 days after discharge from Hospital
? Subject to prior written authorization by the Company
(2)(41)
$2,500 per day, $34,000 per Policy Year
? Only payable for Stay within 90 days after discharge from Hospital
? Subject to prior written authorization by the Company
(2)(41)
$2,500 per day, $34,000 per Policy Year
? Only payable for Stay within 90 days after discharge from Hospital
? Subject to prior written authorization by the Company
(2)(41)
$2,500 per day, $34,000 per Policy Year
? Only payable for Stay within 90 days after discharge from Hospital
? Subject to prior written authorization by the Company
(2)(41)
$2,500 per day, $34,000 per Policy Year
? Only payable for Stay within 90 days after discharge from Hospital
? Subject to prior written authorization by the Company
(2)(41)
$2,500 per day, $34,000 per Policy Year
? Only payable for Stay within 90 days after discharge from Hospital
? Subject to prior written authorization by the Company
(2)(41)
Full cover (24) (26)
Full cover (24) (26)
$500 per visit
(within 90 days after discharge from Hospital or completion of Day Case Procedure)
(Max. 10 visits per Policy Year)
$1,000 per visit
(within 90 days after discharge from Hospital or completion of Day Case Procedure)
(Max. 10 visits per Policy Year)
Upon the Insured Person suffers from Total and Permanent Incapacity –
? $800 per week
? payable for 52 weeks
(2)
Upon the Insured Person suffers from Total and Permanent Incapacity –
? $800 per week
? payable for 52 weeks
(2)
Upon the Insured Person suffers from Total and Permanent Incapacity –
? $800 per week
? payable for 52 weeks
(2)
Upon the Insured Person suffers from Total and Permanent Incapacity –
? $800 per week
? payable for 52 weeks
(2)
Upon the Insured Person suffers from Total and Permanent Incapacity –
? $800 per week
? payable for 52 weeks
(2)
Upon the Insured Person suffers from Total and Permanent Incapacity –
? $800 per week
? payable for 52 weeks
(2)
Upon the Insured Person suffers from Total and Permanent Incapacity –
? $800 per week
? payable for 52 weeks
(2)
Upon the Insured Person suffers from Total and Permanent Incapacity –
? $800 per week
? payable for 52 weeks
(2)
Benefit limit
$10,000,000/year
$50,000,000 per lifetime
• Coverage up to HK$30,000,000 per year
• No sub-limit for each benefit item, and nolifetime limit
• 5 deductible options enable your premium todeliver more bang for the buck
• Covering unknown Pre-existing Conditions sinceday 1 of the Policy Effective period
• Tax allowances up to HK$8,000 per year perinsured person
• Cashless hospitalisation (7)
• Fully covered benefits with annual limit of HK$1,200,000
• "Cashless Inpatient Package Service(27)" covering over 5,000 inpatient and day case medical procedures across 13 specialties. Package provided by CUHK Medical Centre.
• Fully covered outpatient kidney dialysis & implanted medical appliance
• Checkup / Vaccination / Fitness Benefit
• Benefits included companion bed for child and elderly
• 24 hour hotline support
• Enjoy No Claim Discount
• Free online service platform (iAsia) to check your policy details, claim details, list of network doctors, submission of claim
• Fully covered benefits with annual limit of HK$2,000,000
• "Cashless Inpatient Package Service(27)" covering over 5,000 inpatient and day case medical procedures across 13 specialties. Package provided by CUHK Medical Centre.
• Fully covered outpatient kidney dialysis & implanted medical appliance
• Checkup / Vaccination / Fitness Benefit
• Benefits included companion bed for child and elderly
• 24 hour hotline support
• Enjoy No Claim Discount
• Free online service platform (iAsia) to check your policy details, claim details, list of network doctors, submission of claim
Benefit limit
$10,000,000/year
$50,000,000 per lifetime
Benefit limit
$10,000,000/year
$50,000,000 per lifetime
Benefit limit
$10,000,000/year
$50,000,000 per lifetime
Benefit limit
$10,000,000/year
$50,000,000 per lifetime
Benefit limit
$10,000,000/year
$50,000,000 per lifetime
Benefit limit
$10,000,000/year
$50,000,000 per lifetime
Benefit limit
$10,000,000/year
$50,000,000 per lifetime
• Coverage up to HK$30,000,000 per year
• No sub-limit for each benefit item, and nolifetime limit
• 5 deductible options enable your premium todeliver more bang for the buck
• Covering unknown Pre-existing Conditions sinceday 1 of the Policy Effective period
• Tax allowances up to HK$8,000 per year perinsured person
• Cashless hospitalisation (7)
• Coverage up to HK$30,000,000 per year
• No sub-limit for each benefit item, and nolifetime limit
• 5 deductible options enable your premium todeliver more bang for the buck
• Covering unknown Pre-existing Conditions sinceday 1 of the Policy Effective period
• Tax allowances up to HK$8,000 per year perinsured person
• Cashless hospitalisation (7)
• Coverage up to HK$30,000,000 per year
• No sub-limit for each benefit item, and nolifetime limit
• 5 deductible options enable your premium todeliver more bang for the buck
• Covering unknown Pre-existing Conditions sinceday 1 of the Policy Effective period
• Tax allowances up to HK$8,000 per year perinsured person
• Cashless hospitalisation (7)
• Coverage up to HK$30,000,000 per year
• No sub-limit for each benefit item, and nolifetime limit
• 5 deductible options enable your premium todeliver more bang for the buck
• Covering unknown Pre-existing Conditions sinceday 1 of the Policy Effective period
• Tax allowances up to HK$8,000 per year perinsured person
• Cashless hospitalisation (7)
Claim pre-assessment in 1 business day and claim result notification in 5 business days
Includes enhanced benefits, such as companion bed, private nursing, outpatient kidney dialysis, and medical appliances, etc
Provides worldwide coverage (12) for all local and overseas medical expenses
Claim pre-assessment in 1 business day and claim result notification in 5 business days
Includes enhanced benefits, such as companion bed, private nursing, outpatient kidney dialysis, and medical appliances, etc
Provides worldwide coverage (13) for all local and overseas medical expenses
Claim pre-assessment in 1 business day and claim result notification in 5 business days
Includes enhanced benefits, such as companion bed, private nursing, outpatient kidney dialysis, and medical appliances, etc
Provides worldwide coverage (12) for all local and overseas medical expenses
Claim pre-assessment in 1 business day and claim result notification in 5 business days
Includes enhanced benefits, such as companion bed, private nursing, outpatient kidney dialysis, and medical appliances, etc
Provides worldwide coverage (13) for all local and overseas medical expenses
Claim pre-assessment in 1 business day and claim result notification in 5 business days
Includes enhanced benefits, such as companion bed, private nursing, outpatient kidney dialysis, and medical appliances, etc
Provides worldwide coverage (12) for all local and overseas medical expenses
Claim pre-assessment in 1 business day and claim result notification in 5 business days
Includes enhanced benefits, such as companion bed, private nursing, outpatient kidney dialysis, and medical appliances, etc
Provides worldwide coverage (13) for all local and overseas medical expenses
Claim pre-assessment in 1 business day and claim result notification in 5 business days
Includes enhanced benefits, such as companion bed, private nursing, outpatient kidney dialysis, and medical appliances, etc
Provides worldwide coverage (12) for all local and overseas medical expenses
Claim pre-assessment in 1 business day and claim result notification in 5 business days
Includes enhanced benefits, such as companion bed, private nursing, outpatient kidney dialysis, and medical appliances, etc
Provides worldwide coverage (13) for all local and overseas medical expenses
| Entitled room class | Confined room class | Adjustment factor |
| Semi-Private Room | Standard Private Room | 50％ |
| Standard Private Room | Above Standard Private Room | 25％ |
| Semi-Private Room | Above Standard Private Room | 12.5％ |
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