MediSure Plus

Remarks

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. Waiting period: 90 days from the effective date of Medical Top Up Plan. Maximum period of coverage: 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.

# Prescribed diagnostic imaging tests: computer tomography (“CT” scan), magnetic resonance imaging (“MRI” scan), positron emission tomography (“PET” scan), PET-CT combined and PET-MRI combined)

* According to Surgical Schedule

^ 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.

• 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, HIV Resulting from Blood Transfusion, Loss of Speech, Muscular Dystrophy, Multiple Sclerosis, Aorta Surgery, Benign Brain Tumour, Encephalitis, Paralysis/ Paraplegia, Heart Valve Surgery, Terminal Illness, Accidental Head Injury Resulting in Major Head Trauma, Loss of Independent Existence, Alzheimer’s Disease, Loss of Limbs, Pulmonary Hypertension.
• 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 Critical Illness Benefit and Lady Benefit:
  1. Waiting period - 60 days
  2. Survival period - 21 days
  3. Age limit for insuring Critical Illness Benefit: 15 days – 59 years of age
  4. Age limit for insuring Lady Benefit: 18 – 59 years of age
  5. Age limit for renewal - 79 years of age
  6. If you suffer from one of the critical illnesses or 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 medical cover up to age 100. 
• Remark for Lady Benefit: 
  1. Lady Benefit is a rider of Critical Illness Benefit and cannot be insured separately.
  2. Lady Benefit paid will reduce the maximum limit of Critical Illness Benefit. 
• Policy effective date: the 1st calendar day of each month after approval of application.
• Cover does not begin until application has been accepted and premium received.
• 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 lnsurance (Hong Kong) Limited.

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.
 

Remarks

Lady Benefit is a rider benefit of Critical Illness Benefit and cannot be insured separately. Benefit paid for Lady Benefit will reduce the Overall Maximum Limit for Critical Illness Benefit.

All charges must be reasonable and customary

* Please note that the above table is a summary of benefits only. For more details, please refer to the policy provisions.

*Core Cover, Outpatient Service Benefit (Executive Plan) and Supplementary Major Medical Benefit: Renewal only at age 76 or above

^Important Note: Collection of Levy on Insurance Premium - The Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this product proposal form are subject to levy.

# Critical Illness Benefits: Renewal only at age 60 or above

# Lady Plan: Renewal only at age 60 or above

^Important Note: Collection of Levy on Insurance Premium - The Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this product proposal form are subject to levy

1. Pre-existing conditions
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) not applicable to Dental Benefit.
5. Convalescent care
6. Pregnancy or childbirth (except as defined and covered under the Maternity Benefit, and not applicable to Critical Illness Benefit), infertility, contraception and sterilisation
7. Congenital and hereditary conditions
8. Mental and psychiatric disorders
9. Elective overseas treatment for non-emergency medical conditions
10. Participation in hazardous sports and pastime
11. Hospital in-patient treatment for conditions which can be properly treated as an outpatient, includes hospitalisation primarily for diagnostic scanning, X-ray examinations or physiotherapy treatment

The above is a summary of Major Exclusions only. For details please refer to policy provisions.