Voluntary Health Insurance Scheme - VHIS Prestige Care

Important Notes:

1. Eligible expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above.
2. The Company shall have the right to ask for proof of recommendation e.g. written referral or testifying statement on the claim form by the attending doctor or registered medical practitioner.
3. Tests covered here only include computed tomography (“CT” scan), magnetic resonance imaging (“MRI” scan), positron emission tomography (“PET” scan), PET-CT combined and PET-MRI combined.
4. Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
5. The percentage here applies to the surgeon's fee actually payable or the benefit limit for the surgeon's fee according to the surgical categorisation, whichever is the lower.
6. Applicable to the emergency treatment of the insured person while travelling or located outside the place of resident (not exceeding 90 days per trip.)

For details of coverage, terms and conditions, and exclusions, please refer to the policy wording.

*For renewal only
^According to the last birthday.
This Standard Premium Schedule does not include levy which is collected by the Insurance Authority.

*For renewal only
^According to the last birthday.
^#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.
This premium table does not include levy which is collected by the Insurance Authority.

Remark:

Age shall mean at last birthday.

1. Pre-existing condition that has existed prior to the policy issuance date or the policy effective date and the applicant fails to disclose to MSIG upon submission of this application.
2. Routine medical check-ups and vaccinations.
3. Cosmetic surgery (unless necessitated by injury caused by an accident and the insured person receives the medical services within 90 days of accident).
4. Eye refractive therapy, LASIK and any related tests, procedures and services.
5. Dental treatment or oral and maxillofacial procedures performed by a dentist except for emergency treatment and surgery during confinement arising from an accident.
6. Pregnancy or childbirth, infertility, contraception and sterilisation.
7. Congenital conditions which have manifested or been diagnosed before insured person attained age of 8 years.
8. Hospital in-patient treatments for conditions that can be properly treated as an outpatient. This includes but not limits to hospitalisation primarily for diagnostic scanning, X-ray examinations, and/or physiotherapy treatments.

Exclusion for Supplementary Major Medical Benefits:

1. Hospital Confinement and day case procedure outside place(s) of residence (except for emergency treatment in respect of accident or acute sickness occurring during short trip (not exceeding 90 days) outside the place(s) of residence and which requires immediate medical attention as certified by a registered medical practitioner.
2. Confinement in room class other than general ward, semi-private room and private room of a hospital.

Important Notes:

1. Policy effective date: the 1st calendar day of month after approval of application.
2. Cover does not begin until application has been accepted and premium received.
3. Benefits under Certified Plan and their terms and conditions to be revised subject to regular review of Voluntary Health Insurance Scheme by Government.
4. Premium of Standard Premium Schedule, the benefits under non-Certified Plan and their terms and conditions may be adjusted at renewal at the discretion of MSIG lnsurance (Hong Kong) Limited.
5. For details of coverage, terms and conditions, and exclusions, please refer to the policy wording.