Private Health Insurance with International Cover

The maximum amount we will pay in total for all benefits for each person in each policy year.

Select and Premier cover worldwide excluding the U.S.

Major Medical and Elite provide global cover.

We pay for hospital accommodation, depending on your location and your chosen plan.

Limits:

Major Medical – Standard private
Select – Standard private
Premier – Standard private
Elite – Standard private

We pay for costs of the operating and recovery rooms, as well as medicines and dressings used in the operating or recovery room and during your hospital stay.

Once it has been diagnosed, we pay fees that are related specifically to planning and carrying out treatment for cancer, This includes tests, diagnostic imaging, consultations and prescribed medicines.

Where it is medically necessary, this provides cover to be treated as a day-patient or in-patient, including room, board and treatment costs, related to the psychiatric condition. Limitations apply to Select and Premier plans.

We pay costs for rehabilitation, including room, board and a combination of therapies such as physical, occupational and speech therapy after an event such as a stroke.

Limits:

Major Medical – 45 days
Select – 30 days
Premier – 30 days
Elite – 60 days

We pay for 30 days home nursing by a qualified nurse, to provide medical care in your home following treatment in hospital which is covered under this plan.

Reasonable transport costs to the nearest appropriate place of treatment, when the treatment needed is not available nearby.

Repatriation gives you the option of returning to your specified country of residence or specified country of nationality, to be treated in familiar surroundings, when the treatment you need is not available nearby.

We pay for newborn care treatment received during the first 90 days following birth each policy year. Limitations apply to all plans.

We pay for diagnostic tests, pathology and radiology when recommended by your specialist to help diagnose or assess your condition when you are in hospital

After 10 months cover on the plan, you can keep track of your health with regular health screening and wellness tests.

Limits:

Select - Up to HKD 8,000

Premier - Up to HKD 10,000

Elite - Up to HKD 11,700

Medicines and dressings prescribed by your medical practitioner, required to treat a disease, illness or injury.

Limitations apply to Select, Premier and Elite plans.

Consultations and treatment from physiotherapists, osteopaths and chiropractors for physical therapies aimed at restoring your normal physical function.

Limitations apply to Premier and Elite plans.

The following are covered; vaccinations which are recommended as part of the national childhood immunisation programme in the county of residency, human papilloma virus (HPV) vaccination to protect against cervical cancer, influenza (seasonal flue) vaccinations, travel vaccinations, anti-malarial medicines and pneumococcal vaccinations.

Limits: 

Premier - Up to HKD 5,800

Elite - Up to HKD 11,700

We pay for accident-related dental treatment, and after 6 months, we cover routine treatments like fillings, root canal treatments and tooth extraction. We will also pay for major restorative work such as bridges, crowns, dental implants and dentures.

We also cover prescribed hearing aids, spectacle frames and lenses and contact lenses.

Limitations apply to Premier and Elite plans.

Pregnancy and childbirth after the mother has been covered on this health plan for 18 months including pregnancy and childbirth complications. Limitations apply to Elite plans.

Consultations and treatment with qualified and registered acupuncturists and reflexologists.

Limitations apply to Elite plans