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What is the waiting period for core cover?
"Waiting period" normally means that no coverage on any illnesses other than treatment necessitated by accident will be offered during that period. To provide you with instant protection, MediSure Plus does not have a waiting period. However, illnesses that are excluded or existing before the date of policy inception will not be covered at any time within the policy period.
I was requested to stay in a hospital for 14 hours to receive several medical treatments. Am I able to claim for in-patient benefit under MediSure Plus?
Yes. MediSure Plus covers all medically necessary treatment and services provided when you are admitted as a registered in-patient to a hospital regardless of the number of hours you have stayed in a hospital, provided that room and board charges were billed by the hospital.
If I undergo surgical operation, what compensation can I receive from MediSure Plus?
You will be compensated according to the percentage of the Surgical Schedule for the operation up to the maximum limit of Surgeon Fee, Anaesthetist Fee and Operation Theatre Charge as indicated in the Table of Benefit. If the type of surgical procedure is not specially mentioned in the schedule in MediSure Plus, it will be assessed by us and made consistent with the percentages indicated in the surgical schedule.
For more details, please kindly refer to the Surgical Schedule.
Does MediSure Plus cover cosmetic or plastic surgery?
Any cosmetic or plastic surgery is not covered under MediSure Plus as it is usually not medically necessary.
Please seek advice from us on your policy coverage details before receiving any non-emergency operation.
What is pre-existing condition?
Pre-existing conditions are excluded in MediSure Plus. A reasonable interpretation of pre-existing conditions is any injury, illness, medical condition or symptom prior to the commencement of the policy:
- that has been diagnosed
- that has been treated or advised to be treated
- that has been investigated or advised to be investigated
- for which a patient has been given medication or advised to have medication
- for which a patient has symptoms that manifested
- for which a patient has been hospitalised or advised to be hospitalised
- that has been known to exist
- that has a strong medical indication that it originated prior to the commencement of the policy, e.g. size of a tumour or stage of cancer
Can I upgrade to a higher benefit plan upon time of renewal?
Yes. You can request to upgrade or downgrade your benefit plan in writing at the time of policy renewal and you are required to declare your health condition for underwriting assessment. Renewal terms, conditions and premium rate may be adjusted after underwriting review.
For any illness/disease that has been diagnosed and is covered under the original plan before the upgrade, the maximum benefits for that illness/disease will remain the same as the original plan even when the upgraded plan has been approved.
以上提供之常見問題資料只供參考，有關保障範圍及承保條款，請參閱保單。