Mr. Wong is a manager in an estate management company, and he has just purchased a flat on an instalment payment scheme. Mrs. Wong is a full-time housewife taking care of their 3-year old son while housework is handled by their domestic helper. Knowing that he is the only breadwinner of the family, Mr. Wong has planned well for their future and has purchased many kinds of family-related insurance products.

Unfortunately, two weeks ago, Mr. Wong was diagnosed with coronary heart disease with 60% stenosis of a major artery supplying blood to the heart. The attending doctor advised Mr. Wong to have the operation as soon as possible. The operation fee is around HK$50,000, with the estimated total cost of hospitalisation at around HK$120,000.

Mr. Wong calculated that his existing medical insurance would cover his total hospitalisation bill and that he could be discharged without paying a dollar. Unfortunately, Mr. Wong soon discovered that he needed to settle his bill in full before claiming for reimbursement and became extremely worried that he did not have the HK$120,000 to hand.

Having medical insurance does not necessarily mean having instant money for medical treatment!

Most of the individual medical insurance policies in the market require the insured to pay their hospital bills first and then submit a claim for reimbursement. It is important to check whether Guarantee of Payment for Hospitalisation is included in a medical insurance policy.

As a comprehensive and caring medical insurance product, MediSure Plus provides worldwide Guarantee of Payment for Hospitalisation for complete peace of mind. If admission to any of the private hospitals in Hong Kong for operation or treatment is required, you just need to notify us beforehand within office hours so that we can have time to arrange the Guarantee of Payment for you. Once your request is approved, we will settle all eligible medical expenses directly with the hospital for you.

If you are unable to obtain our Guarantee of Payment beforehand due to admission and discharge out of office hours, please settle your bills with the hospital first and submit your claim for reimbursement. Usually, claims will be settled within 7 working days upon receipt of all necessary documents and information.

Learn more about our insurance plans:
CriticalCare 1.0
MediSure Plus
HospitalCare