Asia Insurance — same-insurer plan comparison

Basic and other benefits (except network full cover and supplementary medical): no ward-class restriction, subject to each benefit limit. Specified network medical packages: Hong Kong only, ordinary ward in a network hospital. All requirements for a designated CUHK doctor, health card and ID, payment using the designated medical card, preapproval and approved package must be met. Voluntary upgrade falls back to basic and selected supplementary medical benefits. Emergency ward shortage, isolation or reasons unrelated to personal preference preserve network cover. The selected schedule does not include supplementary medical. Applicable Standard Plan benefits remain unaffected.

Worldwide (including United States) Psychiatric treatment is Hong Kong inpatient only; home care and specified medical packages are Hong Kong only. Home care requires the stated admission-length or surgery conditions and written doctor advice. Packages require insurer-designated doctors from CUHK Medical Centre or CUHK clinics, ward admission at the insurer network hospital, membership card and identity document, with preauthorisation at least three working days beforehand. Doctor, hospital and package lists may change; these territorial restrictions do not affect Standard Plan coverage.

HK$500,000 Basic, attached and designated network package; optional supplementary cover is separate

No aggregate limit All selected benefits; individual and annual limits still apply

HK$800 per day; up to 180 days per policy year. Hospital accommodation and meals during confinement, day surgery or prescribed non-surgical cancer treatment.

HK$20,000 per policy year. Eligible miscellaneous expenses during confinement or on the day of day surgery; includes inpatient physiotherapy, occupational/speech therapy and medication prescribed at discharge/completion for the following 4 weeks.

HK$800 per day; up to 180 days per policy year. Visits or consultations by the attending registered doctor during confinement.

HK$4,800 per condition per policy year. Inpatient specialist visits or consultations on the attending registered doctor’s written recommendation; the specialist must not be that attending doctor. The per-condition limit resets each policy year and for a different condition in the same year, except multiple conditions charged by the same specialist during one confinement. Further confinement for the same condition must be outside the consecutive 90-day period after the previous related confinement.

HK$3,500 per day; up to 25 days per policy year. Inpatient intensive care; the same eligible expense is not reimbursed again under room and board.

HK$7,680 per minor surgery.

HK$19,200 per intermediate surgery.

HK$38,400 per major surgery.

HK$76,800 per complex surgery.

35% of the lower of the actual surgeon-fee reimbursement and the limit for that surgical class. The corresponding surgeon’s fee must be payable under the policy.

35% of the lower of the actual surgeon-fee reimbursement and the limit for that surgical class. The corresponding surgeon’s fee must be payable. Separately charged additional surgical tools, instruments and devices fall under miscellaneous charges.

HK$20,000 per policy year; 30% coinsurance. During confinement or at a facility providing services to day patients, on the attending registered doctor’s written recommendation. CT, MRI, PET, PET–CT and PET–MRI only.

HK$200,000 per condition per policy year. Radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy, including specialist planning/monitoring during treatment; imaging is separate. Resets for a new year or different condition, without splitting multiple conditions in one treatment. Further treatment of the same condition must be outside the consecutive 90-day period after the previous related service. A primary and its secondary cancers are one condition; secondary cancers with an unknown primary at different sites are also one condition.

Shared HK$8,400 per policy year. One pre-admission/day-surgery outpatient/emergency consultation at HK$1,200; follow-up within 90 days after discharge/day surgery at HK$1,000 per visit, once daily. Provided or recommended in writing by the attending doctor and directly related to the relevant condition and complications. Imaging and non-surgical cancer treatment use their own items.

HK$30,000 per policy year. Psychiatric confinement in Hong Kong on a specialist’s recommendation only. Replaces basic items (a)–(k) for psychiatric expenses. If mixed expenses cannot be apportioned, the initial reason for admission determines the applicable psychiatric or basic cover.

HK$400 per day; up to 180 days per policy year. One bed for one carer during confinement. The insured must be below 18 or above 65 on admission. Expense reimbursement, not daily cash.

HK$200,000 per policy year. Regular haemodialysis or peritoneal dialysis for chronic irreversible renal failure during confinement or at day-patient facilities, on the attending registered doctor’s written recommendation. Overlapping expenses pay here first, then under basic cover.

Shared HK$6,000 per policy year; within 90 days after discharge, Hong Kong only. Home nursing and auxiliary healthcare each pay HK$600 per visit, once daily. Nursing requires at least 7 consecutive inpatient days; auxiliary care requires that confinement or intermediate/ major/ complex surgery. Both require the attending doctor’s recommendation, a qualified provider and a direct link to the relevant confinement condition and complications. Connected persons require prior written approval.

Full reimbursement of eligible expenses within the overall annual cap. Hong Kong designated packages only: basic (a)–(h), pre-admission/day-surgery consultation and companion bed. Designated-doctor consultation, valid AsiaHealthNet card and identity evidence, card payment, pre-authorisation and a then-listed package at a network hospital are required. Inpatients must use ordinary ward; involuntary upgrades follow the contract. Normally apply at least 3 working days beforehand; an emergency procedure applies. Imaging and post-discharge/day-surgery follow-up retain their basic item limits. Failed conditions or voluntary upgrades revert to applicable basic (a)–(h), pre-consultation and companion-bed limits, plus selected supplementary cover on its own terms. Changes to approved services need confirmation; related treatment, another designated package and inseparable expenses have distinct contractual rules.

Basic and other benefits (except network full cover and supplementary medical): no ward-class restriction, subject to each benefit limit. Specified network medical packages: Hong Kong only, ordinary ward in a network hospital. All requirements for a designated CUHK doctor, health card and ID, payment using the designated medical card, preapproval and approved package must be met. Voluntary upgrade falls back to basic and selected supplementary medical benefits. Emergency ward shortage, isolation or reasons unrelated to personal preference preserve network cover. Supplementary medical: ordinary ward; 20% coinsurance (80% reimbursement). Voluntary semi-private / standard private / above-standard-private admission replaces the reimbursement rate with 50% / 25% / 12.5%, rather than multiplying 80% again. Emergency ward shortage, isolation or reasons unrelated to personal preference waive adjustment. Applicable Standard Plan benefits remain unaffected.

Worldwide (including United States) Psychiatric treatment is Hong Kong inpatient only; home care and specified medical packages are Hong Kong only. Home care requires the stated admission-length or surgery conditions and written doctor advice. Packages require insurer-designated doctors from CUHK Medical Centre or CUHK clinics, ward admission at the insurer network hospital, membership card and identity document, with preauthorisation at least three working days beforehand. Doctor, hospital and package lists may change; these territorial restrictions do not affect Standard Plan coverage.

HK$500,000 Basic, attached and designated network package; optional supplementary cover is separate

No aggregate limit All selected benefits; individual and annual limits still apply

HK$180,000 per policy year; 20% coinsurance, separate from the primary annual cap. Top-up only for basic (a)–(h), companion bed and designated network package above their limits. Room, doctor’s visits, ICU and companion bed only start after the relevant 180/25-day limits are exhausted. Payout is (eligible expenses − benefit limits) × (1 − coinsurance), capped by this annual limit. Voluntary upgrades increase coinsurance according to selected/actual ward; emergency shortages, isolation and other non-personal-preference upgrades are exempt. Imaging, non-surgical cancer, post-discharge follow-up, psychiatric treatment, dialysis and home care are outside this top-up pool.

HK$800 per day; up to 180 days per policy year. Hospital accommodation and meals during confinement, day surgery or prescribed non-surgical cancer treatment.

HK$20,000 per policy year. Eligible miscellaneous expenses during confinement or on the day of day surgery; includes inpatient physiotherapy, occupational/speech therapy and medication prescribed at discharge/completion for the following 4 weeks.

HK$800 per day; up to 180 days per policy year. Visits or consultations by the attending registered doctor during confinement.

HK$4,800 per condition per policy year. Inpatient specialist visits or consultations on the attending registered doctor’s written recommendation; the specialist must not be that attending doctor. The per-condition limit resets each policy year and for a different condition in the same year, except multiple conditions charged by the same specialist during one confinement. Further confinement for the same condition must be outside the consecutive 90-day period after the previous related confinement.

HK$3,500 per day; up to 25 days per policy year. Inpatient intensive care; the same eligible expense is not reimbursed again under room and board.

HK$7,680 per minor surgery.

HK$19,200 per intermediate surgery.

HK$38,400 per major surgery.

HK$76,800 per complex surgery.

35% of the lower of the actual surgeon-fee reimbursement and the limit for that surgical class. The corresponding surgeon’s fee must be payable under the policy.

35% of the lower of the actual surgeon-fee reimbursement and the limit for that surgical class. The corresponding surgeon’s fee must be payable. Separately charged additional surgical tools, instruments and devices fall under miscellaneous charges.

HK$20,000 per policy year; 30% coinsurance. During confinement or at a facility providing services to day patients, on the attending registered doctor’s written recommendation. CT, MRI, PET, PET–CT and PET–MRI only.

HK$200,000 per condition per policy year. Radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy, including specialist planning/monitoring during treatment; imaging is separate. Resets for a new year or different condition, without splitting multiple conditions in one treatment. Further treatment of the same condition must be outside the consecutive 90-day period after the previous related service. A primary and its secondary cancers are one condition; secondary cancers with an unknown primary at different sites are also one condition.

Shared HK$8,400 per policy year. One pre-admission/day-surgery outpatient/emergency consultation at HK$1,200; follow-up within 90 days after discharge/day surgery at HK$1,000 per visit, once daily. Provided or recommended in writing by the attending doctor and directly related to the relevant condition and complications. Imaging and non-surgical cancer treatment use their own items.

HK$30,000 per policy year. Psychiatric confinement in Hong Kong on a specialist’s recommendation only. Replaces basic items (a)–(k) for psychiatric expenses. If mixed expenses cannot be apportioned, the initial reason for admission determines the applicable psychiatric or basic cover.

HK$400 per day; up to 180 days per policy year. One bed for one carer during confinement. The insured must be below 18 or above 65 on admission. Expense reimbursement, not daily cash.

HK$200,000 per policy year. Regular haemodialysis or peritoneal dialysis for chronic irreversible renal failure during confinement or at day-patient facilities, on the attending registered doctor’s written recommendation. Overlapping expenses pay here first, then under basic cover.

Shared HK$6,000 per policy year; within 90 days after discharge, Hong Kong only. Home nursing and auxiliary healthcare each pay HK$600 per visit, once daily. Nursing requires at least 7 consecutive inpatient days; auxiliary care requires that confinement or intermediate/ major/ complex surgery. Both require the attending doctor’s recommendation, a qualified provider and a direct link to the relevant confinement condition and complications. Connected persons require prior written approval.

Full reimbursement of eligible expenses within the overall annual cap. Hong Kong designated packages only: basic (a)–(h), pre-admission/day-surgery consultation and companion bed. Designated-doctor consultation, valid AsiaHealthNet card and identity evidence, card payment, pre-authorisation and a then-listed package at a network hospital are required. Inpatients must use ordinary ward; involuntary upgrades follow the contract. Normally apply at least 3 working days beforehand; an emergency procedure applies. Imaging and post-discharge/day-surgery follow-up retain their basic item limits. Failed conditions or voluntary upgrades revert to applicable basic (a)–(h), pre-consultation and companion-bed limits, plus selected supplementary cover on its own terms. Changes to approved services need confirmation; related treatment, another designated package and inseparable expenses have distinct contractual rules.

Basic and other benefits (except network full cover and supplementary medical): no ward-class restriction, subject to each benefit limit. Specified network medical packages: Hong Kong only, ordinary ward in a network hospital. All requirements for a designated CUHK doctor, health card and ID, payment using the designated medical card, preapproval and approved package must be met. Voluntary upgrade falls back to basic and selected supplementary medical benefits. Emergency ward shortage, isolation or reasons unrelated to personal preference preserve network cover. Supplementary medical: ordinary ward; 20% coinsurance (80% reimbursement). Voluntary semi-private / standard private / above-standard-private admission replaces the reimbursement rate with 50% / 25% / 12.5%, rather than multiplying 80% again. Emergency ward shortage, isolation or reasons unrelated to personal preference waive adjustment. Applicable Standard Plan benefits remain unaffected.

Worldwide (including United States) Psychiatric treatment is Hong Kong inpatient only; home care and specified medical packages are Hong Kong only. Home care requires the stated admission-length or surgery conditions and written doctor advice. Packages require insurer-designated doctors from CUHK Medical Centre or CUHK clinics, ward admission at the insurer network hospital, membership card and identity document, with preauthorisation at least three working days beforehand. Doctor, hospital and package lists may change; these territorial restrictions do not affect Standard Plan coverage.

HK$500,000 Basic, attached and designated network package; optional supplementary cover is separate

No aggregate limit All selected benefits; individual and annual limits still apply

HK$120,000 per policy year; 20% coinsurance, separate from the primary annual cap. Top-up only for basic (a)–(h), companion bed and designated network package above their limits. Room, doctor’s visits, ICU and companion bed only start after the relevant 180/25-day limits are exhausted. Payout is (eligible expenses − benefit limits) × (1 − coinsurance), capped by this annual limit. Voluntary upgrades increase coinsurance according to selected/actual ward; emergency shortages, isolation and other non-personal-preference upgrades are exempt. Imaging, non-surgical cancer, post-discharge follow-up, psychiatric treatment, dialysis and home care are outside this top-up pool.

HK$800 per day; up to 180 days per policy year. Hospital accommodation and meals during confinement, day surgery or prescribed non-surgical cancer treatment.

HK$20,000 per policy year. Eligible miscellaneous expenses during confinement or on the day of day surgery; includes inpatient physiotherapy, occupational/speech therapy and medication prescribed at discharge/completion for the following 4 weeks.

HK$800 per day; up to 180 days per policy year. Visits or consultations by the attending registered doctor during confinement.

HK$4,800 per condition per policy year. Inpatient specialist visits or consultations on the attending registered doctor’s written recommendation; the specialist must not be that attending doctor. The per-condition limit resets each policy year and for a different condition in the same year, except multiple conditions charged by the same specialist during one confinement. Further confinement for the same condition must be outside the consecutive 90-day period after the previous related confinement.

HK$3,500 per day; up to 25 days per policy year. Inpatient intensive care; the same eligible expense is not reimbursed again under room and board.

HK$7,680 per minor surgery.

HK$19,200 per intermediate surgery.

HK$38,400 per major surgery.

HK$76,800 per complex surgery.

35% of the lower of the actual surgeon-fee reimbursement and the limit for that surgical class. The corresponding surgeon’s fee must be payable under the policy.

35% of the lower of the actual surgeon-fee reimbursement and the limit for that surgical class. The corresponding surgeon’s fee must be payable. Separately charged additional surgical tools, instruments and devices fall under miscellaneous charges.

HK$20,000 per policy year; 30% coinsurance. During confinement or at a facility providing services to day patients, on the attending registered doctor’s written recommendation. CT, MRI, PET, PET–CT and PET–MRI only.

HK$200,000 per condition per policy year. Radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy, including specialist planning/monitoring during treatment; imaging is separate. Resets for a new year or different condition, without splitting multiple conditions in one treatment. Further treatment of the same condition must be outside the consecutive 90-day period after the previous related service. A primary and its secondary cancers are one condition; secondary cancers with an unknown primary at different sites are also one condition.

Shared HK$8,400 per policy year. One pre-admission/day-surgery outpatient/emergency consultation at HK$1,200; follow-up within 90 days after discharge/day surgery at HK$1,000 per visit, once daily. Provided or recommended in writing by the attending doctor and directly related to the relevant condition and complications. Imaging and non-surgical cancer treatment use their own items.

HK$30,000 per policy year. Psychiatric confinement in Hong Kong on a specialist’s recommendation only. Replaces basic items (a)–(k) for psychiatric expenses. If mixed expenses cannot be apportioned, the initial reason for admission determines the applicable psychiatric or basic cover.

HK$400 per day; up to 180 days per policy year. One bed for one carer during confinement. The insured must be below 18 or above 65 on admission. Expense reimbursement, not daily cash.

HK$200,000 per policy year. Regular haemodialysis or peritoneal dialysis for chronic irreversible renal failure during confinement or at day-patient facilities, on the attending registered doctor’s written recommendation. Overlapping expenses pay here first, then under basic cover.

Shared HK$6,000 per policy year; within 90 days after discharge, Hong Kong only. Home nursing and auxiliary healthcare each pay HK$600 per visit, once daily. Nursing requires at least 7 consecutive inpatient days; auxiliary care requires that confinement or intermediate/ major/ complex surgery. Both require the attending doctor’s recommendation, a qualified provider and a direct link to the relevant confinement condition and complications. Connected persons require prior written approval.

Full reimbursement of eligible expenses within the overall annual cap. Hong Kong designated packages only: basic (a)–(h), pre-admission/day-surgery consultation and companion bed. Designated-doctor consultation, valid AsiaHealthNet card and identity evidence, card payment, pre-authorisation and a then-listed package at a network hospital are required. Inpatients must use ordinary ward; involuntary upgrades follow the contract. Normally apply at least 3 working days beforehand; an emergency procedure applies. Imaging and post-discharge/day-surgery follow-up retain their basic item limits. Failed conditions or voluntary upgrades revert to applicable basic (a)–(h), pre-consultation and companion-bed limits, plus selected supplementary cover on its own terms. Changes to approved services need confirmation; related treatment, another designated package and inseparable expenses have distinct contractual rules.

Basic and other benefits (except network full cover and supplementary medical): no ward-class restriction, subject to each benefit limit. Specified network medical packages: Hong Kong only, ordinary ward in a network hospital. All requirements for a designated CUHK doctor, health card and ID, payment using the designated medical card, preapproval and approved package must be met. Voluntary upgrade falls back to basic and selected supplementary medical benefits. Emergency ward shortage, isolation or reasons unrelated to personal preference preserve network cover. The selected schedule does not include supplementary medical. Applicable Standard Plan benefits remain unaffected.

Worldwide (including United States) Psychiatric treatment is Hong Kong inpatient only; home care and specified medical packages are Hong Kong only. Home care requires the stated admission-length or surgery conditions and written doctor advice. Packages require insurer-designated doctors from CUHK Medical Centre or CUHK clinics, ward admission at the insurer network hospital, membership card and identity document, with preauthorisation at least three working days beforehand. Doctor, hospital and package lists may change; these territorial restrictions do not affect Standard Plan coverage.

HK$650,000 Basic, attached and designated network package; optional supplementary cover is separate

No aggregate limit All selected benefits; individual and annual limits still apply

HK$1,200 per day; up to 180 days per policy year. Hospital accommodation and meals during confinement, day surgery or prescribed non-surgical cancer treatment.

HK$26,000 per policy year. Eligible miscellaneous expenses during confinement or on the day of day surgery; includes inpatient physiotherapy, occupational/speech therapy and medication prescribed at discharge/completion for the following 4 weeks.

HK$1,200 per day; up to 180 days per policy year. Visits or consultations by the attending registered doctor during confinement.

HK$6,100 per condition per policy year. Inpatient specialist visits or consultations on the attending registered doctor’s written recommendation; the specialist must not be that attending doctor. The per-condition limit resets each policy year and for a different condition in the same year, except multiple conditions charged by the same specialist during one confinement. Further confinement for the same condition must be outside the consecutive 90-day period after the previous related confinement.

HK$4,375 per day; up to 25 days per policy year. Inpatient intensive care; the same eligible expense is not reimbursed again under room and board.

HK$9,984 per minor surgery.

HK$24,960 per intermediate surgery.

HK$49,920 per major surgery.

HK$99,840 per complex surgery.

35% of the lower of the actual surgeon-fee reimbursement and the limit for that surgical class. The corresponding surgeon’s fee must be payable under the policy.

35% of the lower of the actual surgeon-fee reimbursement and the limit for that surgical class. The corresponding surgeon’s fee must be payable. Separately charged additional surgical tools, instruments and devices fall under miscellaneous charges.

HK$20,000 per policy year; 30% coinsurance. During confinement or at a facility providing services to day patients, on the attending registered doctor’s written recommendation. CT, MRI, PET, PET–CT and PET–MRI only.

HK$200,000 per condition per policy year. Radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy, including specialist planning/monitoring during treatment; imaging is separate. Resets for a new year or different condition, without splitting multiple conditions in one treatment. Further treatment of the same condition must be outside the consecutive 90-day period after the previous related service. A primary and its secondary cancers are one condition; secondary cancers with an unknown primary at different sites are also one condition.

Shared HK$8,400 per policy year. One pre-admission/day-surgery outpatient/emergency consultation at HK$1,200; follow-up within 90 days after discharge/day surgery at HK$1,000 per visit, once daily. Provided or recommended in writing by the attending doctor and directly related to the relevant condition and complications. Imaging and non-surgical cancer treatment use their own items.

HK$30,000 per policy year. Psychiatric confinement in Hong Kong on a specialist’s recommendation only. Replaces basic items (a)–(k) for psychiatric expenses. If mixed expenses cannot be apportioned, the initial reason for admission determines the applicable psychiatric or basic cover.

HK$520 per day; up to 180 days per policy year. One bed for one carer during confinement. The insured must be below 18 or above 65 on admission. Expense reimbursement, not daily cash.

HK$200,000 per policy year. Regular haemodialysis or peritoneal dialysis for chronic irreversible renal failure during confinement or at day-patient facilities, on the attending registered doctor’s written recommendation. Overlapping expenses pay here first, then under basic cover.

Shared HK$6,000 per policy year; within 90 days after discharge, Hong Kong only. Home nursing and auxiliary healthcare each pay HK$600 per visit, once daily. Nursing requires at least 7 consecutive inpatient days; auxiliary care requires that confinement or intermediate/ major/ complex surgery. Both require the attending doctor’s recommendation, a qualified provider and a direct link to the relevant confinement condition and complications. Connected persons require prior written approval.

Full reimbursement of eligible expenses within the overall annual cap. Hong Kong designated packages only: basic (a)–(h), pre-admission/day-surgery consultation and companion bed. Designated-doctor consultation, valid AsiaHealthNet card and identity evidence, card payment, pre-authorisation and a then-listed package at a network hospital are required. Inpatients must use ordinary ward; involuntary upgrades follow the contract. Normally apply at least 3 working days beforehand; an emergency procedure applies. Imaging and post-discharge/day-surgery follow-up retain their basic item limits. Failed conditions or voluntary upgrades revert to applicable basic (a)–(h), pre-consultation and companion-bed limits, plus selected supplementary cover on its own terms. Changes to approved services need confirmation; related treatment, another designated package and inseparable expenses have distinct contractual rules.

Basic and other benefits (except network full cover and supplementary medical): no ward-class restriction, subject to each benefit limit. Specified network medical packages: Hong Kong only, ordinary ward in a network hospital. All requirements for a designated CUHK doctor, health card and ID, payment using the designated medical card, preapproval and approved package must be met. Voluntary upgrade falls back to basic and selected supplementary medical benefits. Emergency ward shortage, isolation or reasons unrelated to personal preference preserve network cover. Supplementary medical: semi-private ward; 20% coinsurance (80% reimbursement). Voluntary standard private / above-standard-private admission replaces the reimbursement rate with 50% / 12.5%, rather than multiplying 80% again. Emergency ward shortage, isolation or reasons unrelated to personal preference waive adjustment. Applicable Standard Plan benefits remain unaffected.

Worldwide (including United States) Psychiatric treatment is Hong Kong inpatient only; home care and specified medical packages are Hong Kong only. Home care requires the stated admission-length or surgery conditions and written doctor advice. Packages require insurer-designated doctors from CUHK Medical Centre or CUHK clinics, ward admission at the insurer network hospital, membership card and identity document, with preauthorisation at least three working days beforehand. Doctor, hospital and package lists may change; these territorial restrictions do not affect Standard Plan coverage.

HK$650,000 Basic, attached and designated network package; optional supplementary cover is separate

No aggregate limit All selected benefits; individual and annual limits still apply

HK$180,000 per policy year; 20% coinsurance, separate from the primary annual cap. Top-up only for basic (a)–(h), companion bed and designated network package above their limits. Room, doctor’s visits, ICU and companion bed only start after the relevant 180/25-day limits are exhausted. Payout is (eligible expenses − benefit limits) × (1 − coinsurance), capped by this annual limit. Voluntary upgrades increase coinsurance according to selected/actual ward; emergency shortages, isolation and other non-personal-preference upgrades are exempt. Imaging, non-surgical cancer, post-discharge follow-up, psychiatric treatment, dialysis and home care are outside this top-up pool.

HK$1,200 per day; up to 180 days per policy year. Hospital accommodation and meals during confinement, day surgery or prescribed non-surgical cancer treatment.

HK$26,000 per policy year. Eligible miscellaneous expenses during confinement or on the day of day surgery; includes inpatient physiotherapy, occupational/speech therapy and medication prescribed at discharge/completion for the following 4 weeks.

HK$1,200 per day; up to 180 days per policy year. Visits or consultations by the attending registered doctor during confinement.

HK$6,100 per condition per policy year. Inpatient specialist visits or consultations on the attending registered doctor’s written recommendation; the specialist must not be that attending doctor. The per-condition limit resets each policy year and for a different condition in the same year, except multiple conditions charged by the same specialist during one confinement. Further confinement for the same condition must be outside the consecutive 90-day period after the previous related confinement.

HK$4,375 per day; up to 25 days per policy year. Inpatient intensive care; the same eligible expense is not reimbursed again under room and board.

HK$9,984 per minor surgery.

HK$24,960 per intermediate surgery.

HK$49,920 per major surgery.

HK$99,840 per complex surgery.

35% of the lower of the actual surgeon-fee reimbursement and the limit for that surgical class. The corresponding surgeon’s fee must be payable under the policy.

35% of the lower of the actual surgeon-fee reimbursement and the limit for that surgical class. The corresponding surgeon’s fee must be payable. Separately charged additional surgical tools, instruments and devices fall under miscellaneous charges.

HK$20,000 per policy year; 30% coinsurance. During confinement or at a facility providing services to day patients, on the attending registered doctor’s written recommendation. CT, MRI, PET, PET–CT and PET–MRI only.

HK$200,000 per condition per policy year. Radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy, including specialist planning/monitoring during treatment; imaging is separate. Resets for a new year or different condition, without splitting multiple conditions in one treatment. Further treatment of the same condition must be outside the consecutive 90-day period after the previous related service. A primary and its secondary cancers are one condition; secondary cancers with an unknown primary at different sites are also one condition.

Shared HK$8,400 per policy year. One pre-admission/day-surgery outpatient/emergency consultation at HK$1,200; follow-up within 90 days after discharge/day surgery at HK$1,000 per visit, once daily. Provided or recommended in writing by the attending doctor and directly related to the relevant condition and complications. Imaging and non-surgical cancer treatment use their own items.

HK$30,000 per policy year. Psychiatric confinement in Hong Kong on a specialist’s recommendation only. Replaces basic items (a)–(k) for psychiatric expenses. If mixed expenses cannot be apportioned, the initial reason for admission determines the applicable psychiatric or basic cover.

HK$520 per day; up to 180 days per policy year. One bed for one carer during confinement. The insured must be below 18 or above 65 on admission. Expense reimbursement, not daily cash.

HK$200,000 per policy year. Regular haemodialysis or peritoneal dialysis for chronic irreversible renal failure during confinement or at day-patient facilities, on the attending registered doctor’s written recommendation. Overlapping expenses pay here first, then under basic cover.

Shared HK$6,000 per policy year; within 90 days after discharge, Hong Kong only. Home nursing and auxiliary healthcare each pay HK$600 per visit, once daily. Nursing requires at least 7 consecutive inpatient days; auxiliary care requires that confinement or intermediate/ major/ complex surgery. Both require the attending doctor’s recommendation, a qualified provider and a direct link to the relevant confinement condition and complications. Connected persons require prior written approval.

Full reimbursement of eligible expenses within the overall annual cap. Hong Kong designated packages only: basic (a)–(h), pre-admission/day-surgery consultation and companion bed. Designated-doctor consultation, valid AsiaHealthNet card and identity evidence, card payment, pre-authorisation and a then-listed package at a network hospital are required. Inpatients must use ordinary ward; involuntary upgrades follow the contract. Normally apply at least 3 working days beforehand; an emergency procedure applies. Imaging and post-discharge/day-surgery follow-up retain their basic item limits. Failed conditions or voluntary upgrades revert to applicable basic (a)–(h), pre-consultation and companion-bed limits, plus selected supplementary cover on its own terms. Changes to approved services need confirmation; related treatment, another designated package and inseparable expenses have distinct contractual rules.

No aggregate limit

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

$15,000 • 其他手術複雜全額保障 • 大型全額保障 • 中型全額保障 • 小型全額保障

$25,000

$50,000

$100,000

Specified endoscopy procedures (not performed at a network day endoscopy centre): 35% of the applicable Surgeon's fee. For other surgeries: Full reimbursement of Eligible Expenses

Specified endoscopy procedures (not performed at a network day endoscopy centre): 35% of the applicable Surgeon's fee. For other surgeries: Full reimbursement of Eligible Expenses

$30,000 per Policy Year. Subject to 30% Coinsurance.

$300,000 per Policy Year

$20,000 per Policy Year. Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure. All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure

$30,000 per Policy Year

Full reimbursement of Eligible Expenses (only applicable to Insured Persons aged below 18 or above 65)

$600 per visit; $600 per visit. 1 service per day for each, maximum $6,000 per Policy Year (within the post-discharge window)

Full reimbursement of Eligible Expenses

$ 80,000 per Policy Year

$500 per visit, maximum 10 visits per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)

For (i), (ii) and (iii) combined, $500 per Policy Year

$10,000 per Policy

$500 per day (maximum 90 days per Policy Year)

No aggregate limit

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures. Specified endoscopy procedures (not performed at a network day endoscopy centre): Complex $200,000; Major $100,000; Intermediate $50,000; Minor $25,000. Other surgeries: Complex Full reimbursement of Eligible Expenses; Major Full reimbursement of Eligible Expenses; Intermediate Full reimbursement of Eligible Expenses; Minor Full reimbursement of Eligible Expenses.

Specified endoscopy procedures (not performed at a network day endoscopy centre): 35% of the applicable Surgeon's fee. For other surgeries: Full reimbursement of Eligible Expenses

Specified endoscopy procedures (not performed at a network day endoscopy centre): 35% of the applicable Surgeon's fee. For other surgeries: Full reimbursement of Eligible Expenses

$30,000 per Policy Year. Subject to 30% Coinsurance.

$500,000 per Policy Year

$30,000 per Policy Year. Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure. All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure

$30,000 per Policy Year

Full reimbursement of Eligible Expenses (only applicable to Insured Persons aged below 18 or above 65)

$1,000 per visit; $1,000 per visit. 1 service per day for each, maximum $7,000 per Policy Year (within the post-discharge window)

Full reimbursement of Eligible Expenses

$ 80,000 per Policy Year

$1,000 per visit, maximum 10 visits per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)

For (i), (ii) and (iii) combined, $800 per Policy Year

$10,000 per Policy

$800 per day (maximum 90 days per Policy Year)