Medisure Plus

Important Notes:

1. The insured person should own a valid hospital & surgical insurance policy at the time of hospital confinement or treatment; otherwise the benefit for Medical Top Up Plan will become invalid.
2. Cover the daily expense of Room and Board according to the maximum benefit payment amount of your selected plan. If the Room & Board expenses exceed the entitlement stated in the table of benefits, the hospital and related services expenses will be compensated in the same proportion (i.e.: 95%)
3. Full-time or part-time private nursing services received in a hospital or at home for the continued treatment of the specific medical condition. Maximum cover period up to 26 weeks per year. Maximum cover period up to 26 weeks per year.
   • Conditions:  
     • As ordered by the attending physician of the hospitalization. 
     • Provided by a legally qualified nurse. 
     • Private nursing services are medically necessary 
4. The waiting period of Job Changer Hospital Benefit is 90 days from the effective date of Medical Top Up Plan. Maximum period of coverage is within 120 days from the date of termination of employment. The insured person has to provide proof of termination of employment upon submission of claim.
5. Upon receipt of adequate prior notification of claim for hospital in-patient treatment, MSIG Insurance (Hong Kong) Limited ("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. Covered outpatient services are not subject to payment guarantees or direct settlement and must be paid by the insured person and reimbursement claimed under the policy.
6. Critical illness cover:
   • Under Standard Coverages (12 Critical Illnesses): Cancer (Spread of Malignant cell), Major Burns, Coronary Artery-Bypass Surgery, Coma, Stroke (Permanent neurological damage), Blindness (both eyes), Heart Attack, Loss of Hearing (both ears), Motor Neurone Diseases, End Stage Kidney Failure, End Stage Liver Failure, Major Organ Transplant(s). 
   • Under Comprehensive Coverages (28 Critical Illnesses), with the above listed critical illnesses plus: Parkinson’s Disease, HOV Resulting from Blood Transfusion, Loss of Speech, Muscular Dystrophy, Multiple Sclerosis, Aorta Surgery, Benign Brain Tumour, Encephalitis, Paralysis/ Paraplegia, Heart Value Surgery, Terminal Illness, Accidental Head Injury Resulting in Major Head Trauma, Loss of Independent Existence, Alzheimer’s Disease, Loss of Limbs, Pulmonary Hypertension. 
   • Terms and Conditions for Critical Illness Benefit:
     • Waiting period – 60 days  
     • Survival period – 21 days 
     • Age limit for insuring Critical Illness benefit: 15 days – 59 years of age 
     • Age limit for renewal – 79 years of age 
   • If you suffer from one of the critical illnesses as defined in your selected plan, you will be entitled a cash benefit as stated in the table of Benefits. Once the full amount of the maximum limited is paid, your Critical Illness benefit will cease but you can still enjoy the protection of lifelong medical cover. 
7. Cover the following Critical Female Illnesses: Female specific cancers in situ: Breast, Vagina/ vulva, Fallopian tube, Uterus, Cervix (CIN lll or above), Ovary. Female illnesses: Rheumatoid arthritis, Osteoporosis leading to hip fractures, Systemic Lupus erythematosus (SLE) with lupus nephritis. 
   • Terms and conditions for Lady Benefit:
     • Waiting period – 60 days 
     • Survival period – 21 days 
     • Age limit for insuring Lady Benefit: 18 – 59 years of age 
     • Age limit for renewal – 79 years of age 
   • If you suffer from one of the critical female illnesses as defined in your selected plan, you will be entitled a cash benefit as stated in the table of benefits. Once the full amount of the Maximum Limit is paid, your Critical Illness Benefit will cease but you can still enjoy the protection of lifelong medical cover. 
   • Lady Benefit is a rider of Critical Illness Benefit and cannot be insured separately. 
   • Lady Benefit paid will reduce the maximum limit of Critical Illness Benefit. 

1. Pre and Post Hospitalisation Care: ‘Pre-Admission Outpatient Visits’ & ‘Post-Hospital Follow-up Treatment’ benefits are based on the first hospitalisation for diagnosis of or receiving treatment to any one disability which includes all disabilities arising from the same cause.
2. Insured person who is a Hong Kong resident aged 18 to 75 (last birthday) can apply for himself and his family members. A loading of 10% premium is required for stand-alone child cover.
3. The maximum age for first enrolment is 75.
4. The maximum age for first enrolment of Medical Top Up Plan, Critical Illness Benefit and Lady Benefit is 59.
5. Policy will be effective on the 1st calendar day of each month after approval of application and premium received.
6. No refund of premium is allowed once the policy has been issued.
7. Premium and terms may be adjusted at renewal at the discretion of MSIG lnsurance (Hong Kong) Limited.
8. All charges must be reasonable and customary. 

In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.

Important Notes:

*Renewal Only
Age group is based on last birthday.

^The annual aggregate deductible amount applies to core cover only. All other benefits remain unchanged.

In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.

Important Notes:

In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.