Prudential — same-insurer plan comparison

Basic and extra: no ward restriction; each item limit applies. Optional SMM is not selected.

Worldwide (including United States) Psychiatric treatment is Hong Kong inpatient only. Prescribed diagnostic imaging may qualify for a coinsurance waiver. Network imaging, an e-card, identity, doctor referral and an original receipt marked with the medical network are required. Otherwise schedule coinsurance applies. The network list may change. If supplementary medical cover is selected, eligible excess costs pay 100% in network or 80% outside it, subject to item limits and the shared aggregate cap. Network cover additionally requires preapproval and approved appointment confirmation. An e-card or network receipt is not claim approval.

No aggregate limit

No aggregate limit

HK$1,200/day; 180days/year. Medically necessary confinement, day surgery and non-surgical cancer treatment.

HK$18,000/year. Eligible miscellaneous costs during confinement.

HK$1,000/day; 180days/year. Attending-doctor visits during confinement.

HK$4,300/year. Written attending-doctor recommendation required.

HK$3,500/day; 90days/year. No duplicate room-and-board payment.

HK$5,000/surgery.

HK$12,500/surgery.

HK$25,000/surgery.

HK$50,000/surgery.

35% of surgeon fee. Based on actual surgeon fee or its benefit limit, whichever is lower.

35% of surgeon fee. Based on actual surgeon fee or its benefit limit, whichever is lower.

HK$20,000/year; 30% coinsurance. CT, MRI, PET, PET–CT and PET–MRI on written attending-doctor recommendation. Designated-centre coinsurance waiver requires all policy conditions.

HK$100,000/year. Radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.

HK$1,100/visit; HK$4,400/year; 1 before, 3 within90 days after. Directly related to confinement/day surgery and complications; follow-up by or recommended in writing by the attending doctor.

HK$30,000/year. Hong Kong inpatient psychiatric treatment on specialist recommendation.

HK$600/day; 180days/year. Cost of 1 extra bed for an immediate family member during covered confinement.

HK$600/visit; 15/year, 1/day; within31 days after discharge/day surgery. Registered-nurse home visits after covered surgery, on attending-doctor recommendation.

HK$90,000/year. Chronic irreversible kidney failure; written recommendation required, including home dialysis-machine rental.

HK$5,600/injury. Hospital emergency outpatient treatment within24 hours after injury.

HK$750/visit; 10/year; 1 before, within90 days after. Directly related to covered confinement/day surgery; written attending-doctor recommendation except chiropractic treatment.

HK$400/visit; 15/year, 1/day; within90 days after treatment. Registered Chinese medicine treatment directly related to defined designated cancer and its complications.

HK$8,000 per policy. Death from accident within90 days, in addition to compassionate cover.

HK$8,000 per policy. Suicide within year1 excluded.

HK$88,000 per policy. Death directly caused by malpractice within30 days; hospital public admission OR official confirmation; death from unrelated causes excluded.

Basic and extra: no ward restriction; each item limit applies. SMM: Ward. Voluntary upgrades: semi-private 50%; private or higher 25% of the calculation basis. Apply this adjustment before the network 100% / non-network 80% rate; exempt for emergency ward shortage, isolation or upgrades not due to personal preference. Hong Kong hospital ward classification applies; otherwise the policy room definitions apply.

Worldwide (including United States) Psychiatric treatment is Hong Kong inpatient only. Prescribed diagnostic imaging may qualify for a coinsurance waiver. Network imaging, an e-card, identity, doctor referral and an original receipt marked with the medical network are required. Otherwise schedule coinsurance applies. The network list may change. If supplementary medical cover is selected, eligible excess costs pay 100% in network or 80% outside it, subject to item limits and the shared aggregate cap. Network cover additionally requires preapproval and approved appointment confirmation. An e-card or network receipt is not claim approval.

No aggregate limit

No aggregate limit

HK$138,000 per policy year, per disability, shared across items. Network: 100% of eligible excess costs, capped at HK$138,000; non-network: 80%, capped at HK$115,000. Both share the overall cap above. Network preapproval and registration documents are required: e-card, identity and approved appointment confirmation; imaging also needs a referral. Network room, physician, ICU and companion bed start on day 1; prescribed imaging / non-surgical cancer included; follow-up outpatient by registered doctors (including consultation, medication, dressings and tests). Home nursing, accident outpatient, rehabilitation and TCM cancer treatment are outside network cover. Non-network: Room / physician from day 181: HK$1,200 / HK$1,000 daily; ICU from day 91: HK$3,500 daily; companion bed from day 181: HK$600 daily. Extra outpatient: 1 before admission / day surgery, 3 within 90 days afterwards. Non-network: HK$1,100 per visit, HK$4,400 per policy year, per disability. Non-network: Home nursing from visit 16 within 31 days after discharge / day surgery: up to 16 visits (1 daily), HK$600 each. Rehabilitation from visit 11 within 90 days after discharge / day surgery: up to 21, HK$750 each. TCM cancer treatment from visit 16 within 90 days after discharge / prescribed non-surgical cancer treatment: up to 16 (1 daily), HK$400 each, subject to policy definitions. Multiple disabilities in the same admission / treatment share one cap. A repeat of the same disability resets only outside the consecutive 90 days following the last discharge / treatment date. Must be selected and listed on the policy and schedule. Ward adjustment applies to eligible excess before reimbursement rates and caps; no duplicate payment.

HK$1,200/day; 180days/year. Medically necessary confinement, day surgery and non-surgical cancer treatment.

HK$18,000/year. Eligible miscellaneous costs during confinement.

HK$1,000/day; 180days/year. Attending-doctor visits during confinement.

HK$4,300/year. Written attending-doctor recommendation required.

HK$3,500/day; 90days/year. No duplicate room-and-board payment.

HK$5,000/surgery.

HK$12,500/surgery.

HK$25,000/surgery.

HK$50,000/surgery.

35% of surgeon fee. Based on actual surgeon fee or its benefit limit, whichever is lower.

35% of surgeon fee. Based on actual surgeon fee or its benefit limit, whichever is lower.

HK$20,000/year; 30% coinsurance. CT, MRI, PET, PET–CT and PET–MRI on written attending-doctor recommendation. Designated-centre coinsurance waiver requires all policy conditions.

HK$100,000/year. Radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.

HK$1,100/visit; HK$4,400/year; 1 before, 3 within90 days after. Directly related to confinement/day surgery and complications; follow-up by or recommended in writing by the attending doctor.

HK$30,000/year. Hong Kong inpatient psychiatric treatment on specialist recommendation.

HK$600/day; 180days/year. Cost of 1 extra bed for an immediate family member during covered confinement.

HK$600/visit; 15/year, 1/day; within31 days after discharge/day surgery. Registered-nurse home visits after covered surgery, on attending-doctor recommendation.

HK$90,000/year. Chronic irreversible kidney failure; written recommendation required, including home dialysis-machine rental.

HK$5,600/injury. Hospital emergency outpatient treatment within24 hours after injury.

HK$750/visit; 10/year; 1 before, within90 days after. Directly related to covered confinement/day surgery; written attending-doctor recommendation except chiropractic treatment.

HK$400/visit; 15/year, 1/day; within90 days after treatment. Registered Chinese medicine treatment directly related to defined designated cancer and its complications.

HK$8,000 per policy. Death from accident within90 days, in addition to compassionate cover.

HK$8,000 per policy. Suicide within year1 excluded.

HK$88,000 per policy. Death directly caused by malpractice within30 days; hospital public admission OR official confirmation; death from unrelated causes excluded.

Basic and extra: no ward restriction; each item limit applies. SMM: Ward. Voluntary upgrades: semi-private 50%; private or higher 25% of the calculation basis. Apply this adjustment before the network 100% / non-network 80% rate; exempt for emergency ward shortage, isolation or upgrades not due to personal preference. Hong Kong hospital ward classification applies; otherwise the policy room definitions apply.

Worldwide (including United States) Psychiatric treatment is Hong Kong inpatient only. Prescribed diagnostic imaging may qualify for a coinsurance waiver. Network imaging, an e-card, identity, doctor referral and an original receipt marked with the medical network are required. Otherwise schedule coinsurance applies. The network list may change. If supplementary medical cover is selected, eligible excess costs pay 100% in network or 80% outside it, subject to item limits and the shared aggregate cap. Network cover additionally requires preapproval and approved appointment confirmation. An e-card or network receipt is not claim approval.

No aggregate limit

No aggregate limit

HK$276,000 per policy year, per disability, shared across items. Network: 100% of eligible excess costs, capped at HK$276,000; non-network: 80%, capped at HK$230,000. Both share the overall cap above. Network preapproval and registration documents are required: e-card, identity and approved appointment confirmation; imaging also needs a referral. Network room, physician, ICU and companion bed start on day 1; prescribed imaging / non-surgical cancer included; follow-up outpatient by registered doctors (including consultation, medication, dressings and tests). Home nursing, accident outpatient, rehabilitation and TCM cancer treatment are outside network cover. Non-network: Room / physician from day 181: HK$1,200 / HK$1,000 daily; ICU from day 91: HK$3,500 daily; companion bed from day 181: HK$600 daily. Extra outpatient: 1 before admission / day surgery, 3 within 90 days afterwards. Non-network: HK$1,100 per visit, HK$4,400 per policy year, per disability. Non-network: Home nursing from visit 16 within 31 days after discharge / day surgery: up to 16 visits (1 daily), HK$600 each. Rehabilitation from visit 11 within 90 days after discharge / day surgery: up to 21, HK$750 each. TCM cancer treatment from visit 16 within 90 days after discharge / prescribed non-surgical cancer treatment: up to 16 (1 daily), HK$400 each, subject to policy definitions. Multiple disabilities in the same admission / treatment share one cap. A repeat of the same disability resets only outside the consecutive 90 days following the last discharge / treatment date. Must be selected and listed on the policy and schedule. Ward adjustment applies to eligible excess before reimbursement rates and caps; no duplicate payment.

HK$1,200/day; 180days/year. Medically necessary confinement, day surgery and non-surgical cancer treatment.

HK$18,000/year. Eligible miscellaneous costs during confinement.

HK$1,000/day; 180days/year. Attending-doctor visits during confinement.

HK$4,300/year. Written attending-doctor recommendation required.

HK$3,500/day; 90days/year. No duplicate room-and-board payment.

HK$5,000/surgery.

HK$12,500/surgery.

HK$25,000/surgery.

HK$50,000/surgery.

35% of surgeon fee. Based on actual surgeon fee or its benefit limit, whichever is lower.

35% of surgeon fee. Based on actual surgeon fee or its benefit limit, whichever is lower.

HK$20,000/year; 30% coinsurance. CT, MRI, PET, PET–CT and PET–MRI on written attending-doctor recommendation. Designated-centre coinsurance waiver requires all policy conditions.

HK$100,000/year. Radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.

HK$1,100/visit; HK$4,400/year; 1 before, 3 within90 days after. Directly related to confinement/day surgery and complications; follow-up by or recommended in writing by the attending doctor.

HK$30,000/year. Hong Kong inpatient psychiatric treatment on specialist recommendation.

HK$600/day; 180days/year. Cost of 1 extra bed for an immediate family member during covered confinement.

HK$600/visit; 15/year, 1/day; within31 days after discharge/day surgery. Registered-nurse home visits after covered surgery, on attending-doctor recommendation.

HK$90,000/year. Chronic irreversible kidney failure; written recommendation required, including home dialysis-machine rental.

HK$5,600/injury. Hospital emergency outpatient treatment within24 hours after injury.

HK$750/visit; 10/year; 1 before, within90 days after. Directly related to covered confinement/day surgery; written attending-doctor recommendation except chiropractic treatment.

HK$400/visit; 15/year, 1/day; within90 days after treatment. Registered Chinese medicine treatment directly related to defined designated cancer and its complications.

HK$8,000 per policy. Death from accident within90 days, in addition to compassionate cover.

HK$8,000 per policy. Suicide within year1 excluded.

HK$88,000 per policy. Death directly caused by malpractice within30 days; hospital public admission OR official confirmation; death from unrelated causes excluded.

Basic and extra: no ward restriction; each item limit applies. Optional SMM is not selected.

Worldwide (including United States) Psychiatric treatment is Hong Kong inpatient only. Prescribed diagnostic imaging may qualify for a coinsurance waiver. Network imaging, an e-card, identity, doctor referral and an original receipt marked with the medical network are required. Otherwise schedule coinsurance applies. The network list may change. If supplementary medical cover is selected, eligible excess costs pay 100% in network or 80% outside it, subject to item limits and the shared aggregate cap. Network cover additionally requires preapproval and approved appointment confirmation. An e-card or network receipt is not claim approval.

No aggregate limit

No aggregate limit

HK$2,500/day; 180days/year. Medically necessary confinement, day surgery and non-surgical cancer treatment.

HK$26,000/year. Eligible miscellaneous costs during confinement.

HK$2,200/day; 180days/year. Attending-doctor visits during confinement.

HK$6,600/year. Written attending-doctor recommendation required.

HK$6,200/day; 90days/year. No duplicate room-and-board payment.

HK$7,500/surgery.

HK$18,750/surgery.

HK$37,500/surgery.

HK$75,000/surgery.

35% of surgeon fee. Based on actual surgeon fee or its benefit limit, whichever is lower.

35% of surgeon fee. Based on actual surgeon fee or its benefit limit, whichever is lower.

HK$30,000/year; 30% coinsurance. CT, MRI, PET, PET–CT and PET–MRI on written attending-doctor recommendation. Designated-centre coinsurance waiver requires all policy conditions.

HK$150,000/year. Radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.

HK$1,400/visit; HK$5,600/year; 1 before, 3 within90 days after. Directly related to confinement/day surgery and complications; follow-up by or recommended in writing by the attending doctor.

HK$35,000/year. Hong Kong inpatient psychiatric treatment on specialist recommendation.

HK$800/day; 180days/year. Cost of 1 extra bed for an immediate family member during covered confinement.

HK$960/visit; 15/year, 1/day; within31 days after discharge/day surgery. Registered-nurse home visits after covered surgery, on attending-doctor recommendation.

HK$135,000/year. Chronic irreversible kidney failure; written recommendation required, including home dialysis-machine rental.

HK$9,600/injury. Hospital emergency outpatient treatment within24 hours after injury.

HK$1,150/visit; 10/year; 1 before, within90 days after. Directly related to covered confinement/day surgery; written attending-doctor recommendation except chiropractic treatment.

HK$600/visit; 15/year, 1/day; within90 days after treatment. Registered Chinese medicine treatment directly related to defined designated cancer and its complications.

HK$20,000 per policy. Death from accident within90 days, in addition to compassionate cover.

HK$20,000 per policy. Suicide within year1 excluded.

HK$176,000 per policy. Death directly caused by malpractice within30 days; hospital public admission OR official confirmation; death from unrelated causes excluded.

Basic and extra: no ward restriction; each item limit applies. SMM: Semi-Private Room. Voluntary upgrades: private 50%; above private 25% of the calculation basis. Apply this adjustment before the network 100% / non-network 80% rate; exempt for emergency ward shortage, isolation or upgrades not due to personal preference. Hong Kong hospital ward classification applies; otherwise the policy room definitions apply.

Worldwide (including United States) Psychiatric treatment is Hong Kong inpatient only. Prescribed diagnostic imaging may qualify for a coinsurance waiver. Network imaging, an e-card, identity, doctor referral and an original receipt marked with the medical network are required. Otherwise schedule coinsurance applies. The network list may change. If supplementary medical cover is selected, eligible excess costs pay 100% in network or 80% outside it, subject to item limits and the shared aggregate cap. Network cover additionally requires preapproval and approved appointment confirmation. An e-card or network receipt is not claim approval.

No aggregate limit

No aggregate limit

HK$276,000 per policy year, per disability, shared across items. Network: 100% of eligible excess costs, capped at HK$276,000; non-network: 80%, capped at HK$230,000. Both share the overall cap above. Network preapproval and registration documents are required: e-card, identity and approved appointment confirmation; imaging also needs a referral. Network room, physician, ICU and companion bed start on day 1; prescribed imaging / non-surgical cancer included; follow-up outpatient by registered doctors (including consultation, medication, dressings and tests). Home nursing, accident outpatient, rehabilitation and TCM cancer treatment are outside network cover. Non-network: Room / physician from day 181: HK$2,500 / HK$2,200 daily; ICU from day 91: HK$6,200 daily; companion bed from day 181: HK$800 daily. Extra outpatient: 1 before admission / day surgery, 3 within 90 days afterwards. Non-network: HK$1,400 per visit, HK$5,600 per policy year, per disability. Non-network: Home nursing from visit 16 within 31 days after discharge / day surgery: up to 16 visits (1 daily), HK$960 each. Rehabilitation from visit 11 within 90 days after discharge / day surgery: up to 21, HK$1,150 each. TCM cancer treatment from visit 16 within 90 days after discharge / prescribed non-surgical cancer treatment: up to 16 (1 daily), HK$600 each, subject to policy definitions. Multiple disabilities in the same admission / treatment share one cap. A repeat of the same disability resets only outside the consecutive 90 days following the last discharge / treatment date. Must be selected and listed on the policy and schedule. Ward adjustment applies to eligible excess before reimbursement rates and caps; no duplicate payment.

HK$2,500/day; 180days/year. Medically necessary confinement, day surgery and non-surgical cancer treatment.

HK$26,000/year. Eligible miscellaneous costs during confinement.

HK$2,200/day; 180days/year. Attending-doctor visits during confinement.

HK$6,600/year. Written attending-doctor recommendation required.

HK$6,200/day; 90days/year. No duplicate room-and-board payment.

HK$7,500/surgery.

HK$18,750/surgery.

HK$37,500/surgery.

HK$75,000/surgery.

35% of surgeon fee. Based on actual surgeon fee or its benefit limit, whichever is lower.

35% of surgeon fee. Based on actual surgeon fee or its benefit limit, whichever is lower.

HK$30,000/year; 30% coinsurance. CT, MRI, PET, PET–CT and PET–MRI on written attending-doctor recommendation. Designated-centre coinsurance waiver requires all policy conditions.

HK$150,000/year. Radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.

HK$1,400/visit; HK$5,600/year; 1 before, 3 within90 days after. Directly related to confinement/day surgery and complications; follow-up by or recommended in writing by the attending doctor.

HK$35,000/year. Hong Kong inpatient psychiatric treatment on specialist recommendation.

HK$800/day; 180days/year. Cost of 1 extra bed for an immediate family member during covered confinement.

HK$960/visit; 15/year, 1/day; within31 days after discharge/day surgery. Registered-nurse home visits after covered surgery, on attending-doctor recommendation.

HK$135,000/year. Chronic irreversible kidney failure; written recommendation required, including home dialysis-machine rental.

HK$9,600/injury. Hospital emergency outpatient treatment within24 hours after injury.

HK$1,150/visit; 10/year; 1 before, within90 days after. Directly related to covered confinement/day surgery; written attending-doctor recommendation except chiropractic treatment.

HK$600/visit; 15/year, 1/day; within90 days after treatment. Registered Chinese medicine treatment directly related to defined designated cancer and its complications.

HK$20,000 per policy. Death from accident within90 days, in addition to compassionate cover.

HK$20,000 per policy. Suicide within year1 excluded.

HK$176,000 per policy. Death directly caused by malpractice within30 days; hospital public admission OR official confirmation; death from unrelated causes excluded.

Basic and extra: no ward restriction; each item limit applies. SMM: Semi-Private Room. Voluntary upgrades: private 50%; above private 25% of the calculation basis. Apply this adjustment before the network 100% / non-network 80% rate; exempt for emergency ward shortage, isolation or upgrades not due to personal preference. Hong Kong hospital ward classification applies; otherwise the policy room definitions apply.

Worldwide (including United States) Psychiatric treatment is Hong Kong inpatient only. Prescribed diagnostic imaging may qualify for a coinsurance waiver. Network imaging, an e-card, identity, doctor referral and an original receipt marked with the medical network are required. Otherwise schedule coinsurance applies. The network list may change. If supplementary medical cover is selected, eligible excess costs pay 100% in network or 80% outside it, subject to item limits and the shared aggregate cap. Network cover additionally requires preapproval and approved appointment confirmation. An e-card or network receipt is not claim approval.

No aggregate limit

No aggregate limit

HK$414,000 per policy year, per disability, shared across items. Network: 100% of eligible excess costs, capped at HK$414,000; non-network: 80%, capped at HK$345,000. Both share the overall cap above. Network preapproval and registration documents are required: e-card, identity and approved appointment confirmation; imaging also needs a referral. Network room, physician, ICU and companion bed start on day 1; prescribed imaging / non-surgical cancer included; follow-up outpatient by registered doctors (including consultation, medication, dressings and tests). Home nursing, accident outpatient, rehabilitation and TCM cancer treatment are outside network cover. Non-network: Room / physician from day 181: HK$2,500 / HK$2,200 daily; ICU from day 91: HK$6,200 daily; companion bed from day 181: HK$800 daily. Extra outpatient: 1 before admission / day surgery, 3 within 90 days afterwards. Non-network: HK$1,400 per visit, HK$5,600 per policy year, per disability. Non-network: Home nursing from visit 16 within 31 days after discharge / day surgery: up to 16 visits (1 daily), HK$960 each. Rehabilitation from visit 11 within 90 days after discharge / day surgery: up to 21, HK$1,150 each. TCM cancer treatment from visit 16 within 90 days after discharge / prescribed non-surgical cancer treatment: up to 16 (1 daily), HK$600 each, subject to policy definitions. Multiple disabilities in the same admission / treatment share one cap. A repeat of the same disability resets only outside the consecutive 90 days following the last discharge / treatment date. Must be selected and listed on the policy and schedule. Ward adjustment applies to eligible excess before reimbursement rates and caps; no duplicate payment.

HK$2,500/day; 180days/year. Medically necessary confinement, day surgery and non-surgical cancer treatment.

HK$26,000/year. Eligible miscellaneous costs during confinement.

HK$2,200/day; 180days/year. Attending-doctor visits during confinement.

HK$6,600/year. Written attending-doctor recommendation required.

HK$6,200/day; 90days/year. No duplicate room-and-board payment.

HK$7,500/surgery.

HK$18,750/surgery.

HK$37,500/surgery.

HK$75,000/surgery.

35% of surgeon fee. Based on actual surgeon fee or its benefit limit, whichever is lower.

35% of surgeon fee. Based on actual surgeon fee or its benefit limit, whichever is lower.

HK$30,000/year; 30% coinsurance. CT, MRI, PET, PET–CT and PET–MRI on written attending-doctor recommendation. Designated-centre coinsurance waiver requires all policy conditions.

HK$150,000/year. Radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.

HK$1,400/visit; HK$5,600/year; 1 before, 3 within90 days after. Directly related to confinement/day surgery and complications; follow-up by or recommended in writing by the attending doctor.

HK$35,000/year. Hong Kong inpatient psychiatric treatment on specialist recommendation.

HK$800/day; 180days/year. Cost of 1 extra bed for an immediate family member during covered confinement.

HK$960/visit; 15/year, 1/day; within31 days after discharge/day surgery. Registered-nurse home visits after covered surgery, on attending-doctor recommendation.

HK$135,000/year. Chronic irreversible kidney failure; written recommendation required, including home dialysis-machine rental.

HK$9,600/injury. Hospital emergency outpatient treatment within24 hours after injury.

HK$1,150/visit; 10/year; 1 before, within90 days after. Directly related to covered confinement/day surgery; written attending-doctor recommendation except chiropractic treatment.

HK$600/visit; 15/year, 1/day; within90 days after treatment. Registered Chinese medicine treatment directly related to defined designated cancer and its complications.

HK$20,000 per policy. Death from accident within90 days, in addition to compassionate cover.

HK$20,000 per policy. Suicide within year1 excluded.

HK$176,000 per policy. Death directly caused by malpractice within30 days; hospital public admission OR official confirmation; death from unrelated causes excluded.

Basic and extra: no ward restriction; each item limit applies. Optional SMM is not selected.

Worldwide (including United States) Psychiatric treatment is Hong Kong inpatient only. Prescribed diagnostic imaging may qualify for a coinsurance waiver. Network imaging, an e-card, identity, doctor referral and an original receipt marked with the medical network are required. Otherwise schedule coinsurance applies. The network list may change. If supplementary medical cover is selected, eligible excess costs pay 100% in network or 80% outside it, subject to item limits and the shared aggregate cap. Network cover additionally requires preapproval and approved appointment confirmation. An e-card or network receipt is not claim approval.

No aggregate limit

No aggregate limit

HK$4,500/day; 180days/year. Medically necessary confinement, day surgery and non-surgical cancer treatment.

HK$36,000/year. Eligible miscellaneous costs during confinement.

HK$4,000/day; 180days/year. Attending-doctor visits during confinement.

HK$12,280/year. Written attending-doctor recommendation required.

HK$9,600/day; 90days/year. No duplicate room-and-board payment.

HK$11,000/surgery.

HK$27,500/surgery.

HK$55,000/surgery.

HK$110,000/surgery.

35% of surgeon fee. Based on actual surgeon fee or its benefit limit, whichever is lower.

35% of surgeon fee. Based on actual surgeon fee or its benefit limit, whichever is lower.

HK$40,000/year; 30% coinsurance. CT, MRI, PET, PET–CT and PET–MRI on written attending-doctor recommendation. Designated-centre coinsurance waiver requires all policy conditions.

HK$225,000/year. Radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.

HK$2,000/visit; HK$8,000/year; 1 before, 3 within90 days after. Directly related to confinement/day surgery and complications; follow-up by or recommended in writing by the attending doctor.

HK$40,000/year. Hong Kong inpatient psychiatric treatment on specialist recommendation.

HK$1,000/day; 180days/year. Cost of 1 extra bed for an immediate family member during covered confinement.

HK$1,360/visit; 15/year, 1/day; within31 days after discharge/day surgery. Registered-nurse home visits after covered surgery, on attending-doctor recommendation.

HK$200,000/year. Chronic irreversible kidney failure; written recommendation required, including home dialysis-machine rental.

HK$13,600/injury. Hospital emergency outpatient treatment within24 hours after injury.

HK$1,500/visit; 10/year; 1 before, within90 days after. Directly related to covered confinement/day surgery; written attending-doctor recommendation except chiropractic treatment.

HK$800/visit; 15/year, 1/day; within90 days after treatment. Registered Chinese medicine treatment directly related to defined designated cancer and its complications.

HK$40,000 per policy. Death from accident within90 days, in addition to compassionate cover.

HK$40,000 per policy. Suicide within year1 excluded.

HK$344,000 per policy. Death directly caused by malpractice within30 days; hospital public admission OR official confirmation; death from unrelated causes excluded.

Basic and extra: no ward restriction; each item limit applies. SMM: Private Room. The ward-upgrade adjustment does not apply. SMM uses network 100% / non-network 80%, subject to limits. Hong Kong hospital ward classification applies; otherwise the policy room definitions apply.

Worldwide (including United States) Psychiatric treatment is Hong Kong inpatient only. Prescribed diagnostic imaging may qualify for a coinsurance waiver. Network imaging, an e-card, identity, doctor referral and an original receipt marked with the medical network are required. Otherwise schedule coinsurance applies. The network list may change. If supplementary medical cover is selected, eligible excess costs pay 100% in network or 80% outside it, subject to item limits and the shared aggregate cap. Network cover additionally requires preapproval and approved appointment confirmation. An e-card or network receipt is not claim approval.

No aggregate limit

No aggregate limit

Network HK$552,000 (100%); non-network HK$460,000 (80%). Per policy year, per disability; both share an overall HK$552,000 cap. Non-network cover applies to eligible excess; item limits and ward adjustments remain subject to the policy. Multiple disabilities in one admission/treatment share the cap; the same-disability reset is subject to the consecutive 90-day interval condition.

HK$4,500/day; 180days/year. Medically necessary confinement, day surgery and non-surgical cancer treatment.

HK$36,000/year. Eligible miscellaneous costs during confinement.

HK$4,000/day; 180days/year. Attending-doctor visits during confinement.

HK$12,280/year. Written attending-doctor recommendation required.

HK$9,600/day; 90days/year. No duplicate room-and-board payment.

HK$11,000/surgery.

HK$27,500/surgery.

HK$55,000/surgery.

HK$110,000/surgery.

35% of surgeon fee. Based on actual surgeon fee or its benefit limit, whichever is lower.

35% of surgeon fee. Based on actual surgeon fee or its benefit limit, whichever is lower.

HK$40,000/year; 30% coinsurance. CT, MRI, PET, PET–CT and PET–MRI on written attending-doctor recommendation. Designated-centre coinsurance waiver requires all policy conditions.

HK$225,000/year. Radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.

HK$2,000/visit; HK$8,000/year; 1 before, 3 within90 days after. Directly related to confinement/day surgery and complications; follow-up by or recommended in writing by the attending doctor.

HK$40,000/year. Hong Kong inpatient psychiatric treatment on specialist recommendation.

HK$1,000/day; 180days/year. Cost of 1 extra bed for an immediate family member during covered confinement.

HK$1,360/visit; 15/year, 1/day; within31 days after discharge/day surgery. Registered-nurse home visits after covered surgery, on attending-doctor recommendation.

HK$200,000/year. Chronic irreversible kidney failure; written recommendation required, including home dialysis-machine rental.

HK$13,600/injury. Hospital emergency outpatient treatment within24 hours after injury.

HK$1,500/visit; 10/year; 1 before, within90 days after. Directly related to covered confinement/day surgery; written attending-doctor recommendation except chiropractic treatment.

HK$800/visit; 15/year, 1/day; within90 days after treatment. Registered Chinese medicine treatment directly related to defined designated cancer and its complications.

HK$40,000 per policy. Death from accident within90 days, in addition to compassionate cover.

HK$40,000 per policy. Suicide within year1 excluded.

HK$344,000 per policy. Death directly caused by malpractice within30 days; hospital public admission OR official confirmation; death from unrelated causes excluded.

No aggregate limit

No aggregate limit

$100,000 per policy year / illness; 20% coinsurance Excess over basic a–h, k and extra a, b, d–g; excludes diagnostic imaging, non-surgical cancer, psychiatric treatment and dialysis Room / physician / companion from day 181: $1,100/$960/$600 daily; ICU from day 91: $3,500 daily Home nursing from annual visit 16: 16 extra visits, $500 each within 31 days; therapy from visit 11: 21 extra visits, $750 each within 90 days; TCM cancer from visit 16: 16 extra visits, $400 each within 90 days. Home nursing / TCM: maximum one daily One extra pre-admission and three extra post-discharge visits within 90 days: $750 each, $3,000 per year / illness Resets in a new policy year, for a different illness, or same-illness readmission / day surgery outside 90 days; multiple illnesses in one admission / procedure share one cap Ordinary to semi-private/ private/ above: 50%/25%/25%, before 80% reimbursement; emergency ward shortage, isolation and other nonpersonal reasons exempt; basic / extra cover unaffected Pregnancy complications: diagnosis at least 300 days after inception and written medical advice; payable under III(i)–(xi)

HK$1,100/day; 180days/year. Medically necessary confinement, day surgery and non-surgical cancer treatment.

HK$16,000/year. Eligible miscellaneous costs during confinement.

HK$960/day; 180days/year. Attending-doctor visits during confinement.

HK$4,300/year. Written attending-doctor recommendation required.

HK$3,500/day; 90days/year. No duplicate room-and-board payment.

HK$5,000/surgery.

HK$12,500/surgery.

HK$25,000/surgery.

HK$50,000/surgery.

35% of surgeon fee. Based on actual surgeon fee or its benefit limit, whichever is lower.

35% of surgeon fee. Based on actual surgeon fee or its benefit limit, whichever is lower.

HK$20,000/year; 30% coinsurance. CT, MRI, PET, PET–CT and PET–MRI on written attending-doctor recommendation. Designated-centre coinsurance waiver requires all policy conditions.

HK$80,000/year. Radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.

HK$750/visit; HK$3,000/year; 1 before, 3 within90 days after. Directly related to confinement/day surgery and complications; follow-up by or recommended in writing by the attending doctor.

HK$30,000/year. Hong Kong inpatient psychiatric treatment on specialist recommendation.

HK$600/day; 180days/year. 1 extra bed for 1 family member; meals excluded.

HK$500/visit; 15/year, 1/day; within31 days after discharge/day surgery. Registered-nurse home visits after covered inpatient surgery/ICU or day surgery, on written attending-doctor recommendation.

HK$50,000/year. Haemodialysis/peritoneal dialysis for chronic irreversible kidney failure, on written recommendation.

HK$5,600/injury. Hospital emergency outpatient treatment within24 hours after injury.

HK$750/visit; 10/year; 1 before, within90 days after. Written recommendation required; directly related to covered confinement/day surgery.

HK$400/visit; 15/year, 1/day; within90 days after treatment. Directly related to covered cancer treatment; provided by a registered Chinese medicine practitioner.

HK$8,000 per policy. Death from accident within90 days, in addition to compassionate cover.

HK$8,000 per policy. Suicide within year1 excluded.

HK$88,000 per policy. Death directly caused by malpractice within30 days; hospital public admission OR official confirmation; death from unrelated causes excluded.

No aggregate limit

No aggregate limit

$200,000 per policy year / illness; 20% coinsurance Excess over basic a–h, k and extra a, b, d–g; excludes diagnostic imaging, non-surgical cancer, psychiatric treatment and dialysis Room / physician / companion from day 181: $2,200/$2,000/$800 daily; ICU from day 91: $6,200 daily Home nursing from annual visit 16: 16 extra visits, $860 each within 31 days; therapy from visit 11: 21 extra visits, $1,150 each within 90 days; TCM cancer from visit 16: 16 extra visits, $600 each within 90 days. Home nursing / TCM: maximum one daily One extra pre-admission and three extra post-discharge visits within 90 days: $1,150 each, $4,600 per year / illness Resets in a new policy year, for a different illness, or same-illness readmission / day surgery outside 90 days; multiple illnesses in one admission / procedure share one cap Semi-private to private/above: 50%/25%, before 80% reimbursement; emergency ward shortage, isolation and other nonpersonal reasons exempt; basic / extra cover unaffected Pregnancy complications: diagnosis at least 300 days after inception and written medical advice; payable under III(i)–(xi)

HK$2,200/day; 180days/year. Medically necessary confinement, day surgery and non-surgical cancer treatment.

HK$24,000/year. Eligible miscellaneous costs during confinement.

HK$2,000/day; 180days/year. Attending-doctor visits during confinement.

HK$6,600/year. Written attending-doctor recommendation required.

HK$6,200/day; 90days/year. No duplicate room-and-board payment.

HK$7,500/surgery.

HK$18,750/surgery.

HK$37,500/surgery.

HK$75,000/surgery.

35% of surgeon fee. Based on actual surgeon fee or its benefit limit, whichever is lower.

35% of surgeon fee. Based on actual surgeon fee or its benefit limit, whichever is lower.

HK$30,000/year; 30% coinsurance. CT, MRI, PET, PET–CT and PET–MRI on written attending-doctor recommendation. Designated-centre coinsurance waiver requires all policy conditions.

HK$120,000/year. Radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.

HK$1,150/visit; HK$4,600/year; 1 before, 3 within90 days after. Directly related to confinement/day surgery and complications; follow-up by or recommended in writing by the attending doctor.

HK$35,000/year. Hong Kong inpatient psychiatric treatment on specialist recommendation.

HK$800/day; 180days/year. 1 extra bed for 1 family member; meals excluded.

HK$860/visit; 15/year, 1/day; within31 days after discharge/day surgery. Registered-nurse home visits after covered inpatient surgery/ICU or day surgery, on written attending-doctor recommendation.

HK$110,000/year. Haemodialysis/peritoneal dialysis for chronic irreversible kidney failure, on written recommendation.

HK$9,600/injury. Hospital emergency outpatient treatment within24 hours after injury.

HK$1,150/visit; 10/year; 1 before, within90 days after. Written recommendation required; directly related to covered confinement/day surgery.

HK$600/visit; 15/year, 1/day; within90 days after treatment. Directly related to covered cancer treatment; provided by a registered Chinese medicine practitioner.

HK$20,000 per policy. Death from accident within90 days, in addition to compassionate cover.

HK$20,000 per policy. Suicide within year1 excluded.

HK$176,000 per policy. Death directly caused by malpractice within30 days; hospital public admission OR official confirmation; death from unrelated causes excluded.

No aggregate limit

No aggregate limit

$400,000 per policy year / illness; 20% coinsurance Excess over basic a–h, k and extra a, b, d–g; excludes diagnostic imaging, non-surgical cancer, psychiatric treatment and dialysis Room / physician / companion from day 181: $4,000/$3,800/$1,000 daily; ICU from day 91: $9,600 daily Home nursing from annual visit 16: 16 extra visits, $1,260 each within 31 days; therapy from visit 11: 21 extra visits, $1,500 each within 90 days; TCM cancer from visit 16: 16 extra visits, $800 each within 90 days. Home nursing / TCM: maximum one daily One extra pre-admission and three extra post-discharge visits within 90 days: $1,500 each, $6,000 per year / illness Resets in a new policy year, for a different illness, or same-illness readmission / day surgery outside 90 days; multiple illnesses in one admission / procedure share one cap Private: no ward adjustment, before 80% reimbursement; emergency ward shortage, isolation and other nonpersonal reasons exempt; basic / extra cover unaffected Pregnancy complications: diagnosis at least 300 days after inception and written medical advice; payable under III(i)–(xi)

HK$4,000/day; 180days/year. Medically necessary confinement, day surgery and non-surgical cancer treatment.

HK$35,000/year. Eligible miscellaneous costs during confinement.

HK$3,800/day; 180days/year. Attending-doctor visits during confinement.

HK$12,280/year. Written attending-doctor recommendation required.

HK$9,600/day; 90days/year. No duplicate room-and-board payment.

HK$11,000/surgery.

HK$27,500/surgery.

HK$55,000/surgery.

HK$110,000/surgery.

35% of surgeon fee. Based on actual surgeon fee or its benefit limit, whichever is lower.

35% of surgeon fee. Based on actual surgeon fee or its benefit limit, whichever is lower.

HK$40,000/year; 30% coinsurance. CT, MRI, PET, PET–CT and PET–MRI on written attending-doctor recommendation. Designated-centre coinsurance waiver requires all policy conditions.

HK$160,000/year. Radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.

HK$1,500/visit; HK$6,000/year; 1 before, 3 within90 days after. Directly related to confinement/day surgery and complications; follow-up by or recommended in writing by the attending doctor.

HK$40,000/year. Hong Kong inpatient psychiatric treatment on specialist recommendation.

HK$1,000/day; 180days/year. 1 extra bed for 1 family member; meals excluded.

HK$1,260/visit; 15/year, 1/day; within31 days after discharge/day surgery. Registered-nurse home visits after covered inpatient surgery/ICU or day surgery, on written attending-doctor recommendation.

HK$150,000/year. Haemodialysis/peritoneal dialysis for chronic irreversible kidney failure, on written recommendation.

HK$13,600/injury. Hospital emergency outpatient treatment within24 hours after injury.

HK$1,500/visit; 10/year; 1 before, within90 days after. Written recommendation required; directly related to covered confinement/day surgery.

HK$800/visit; 15/year, 1/day; within90 days after treatment. Directly related to covered cancer treatment; provided by a registered Chinese medicine practitioner.

HK$40,000 per policy. Death from accident within90 days, in addition to compassionate cover.

HK$40,000 per policy. Suicide within year1 excluded.

HK$344,000 per policy. Death directly caused by malpractice within30 days; hospital public admission OR official confirmation; death from unrelated causes excluded.

Asia incl. AU/NZ Accident：Worldwide (including United States) Outside the region: solely/directly caused by an accident occurring there. Other treatment reverts to Standard Plan without additional benefits. Daily hospital cash: Hong Kong private hospitals only.

Once per lifetime · no fresh underwriting Apply in writing within 31 days before or after renewal on or immediately following the specified birthday. Available options guarantee zero deductible. The new deductible applies from renewal; premiums use the applicable standard table plus accepted loading. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.

Full reimbursement, subject to overall annual/lifetime limits, deductible and applicable ward/territorial conditions. Hospital accommodation and meals during confinement, day surgery or prescribed non-surgical cancer treatment. Confinement must last at least 6 continuous hours, except emergency surgery or other emergency medical treatment.

Full reimbursement, subject to overall annual/lifetime limits, deductible and applicable ward/territorial conditions. Medical miscellaneous expenses for confinement/day surgery, including discharge medicines for four weeks, ambulance, tests and ultrasound/X-rays. Prescribed imaging pays under (i), and the supplementary document’s listed medical devices under extra (a).

Full reimbursement, subject to overall annual/lifetime limits, deductible and applicable ward/territorial conditions. Attending registered doctor’s visits/consultations during confinement.

Full reimbursement, subject to overall annual/lifetime limits, deductible and applicable ward/territorial conditions. Visits/consultations during confinement by a specialist other than the attending doctor, on the attending registered doctor’s written recommendation.

Full reimbursement, subject to overall annual/lifetime limits, deductible and applicable ward/territorial conditions. ICU costs during confinement; the same expenses do not pay again under room/board (a).

Full reimbursement, subject to overall annual/lifetime limits, deductible and applicable ward/territorial conditions. Attending surgeon’s operating fee during confinement or at a day-patient facility, fully reimbursed regardless of surgery category; unlisted procedures are reasonably classified using recognised information.

Full reimbursement, subject to overall annual/lifetime limits, deductible and applicable ward/territorial conditions. Anaesthetist’s fee for the related surgery, only where surgeon’s fee (f) is payable.

Full reimbursement, subject to overall annual/lifetime limits, deductible and applicable ward/territorial conditions. Operating, treatment and recovery room costs for related surgery where surgeon’s fee (f) is payable; separately charged additional instruments/devices pay under miscellaneous (b).

Full reimbursement, subject to overall annual/lifetime limits, deductible and applicable ward/territorial conditions. 0% coinsurance. On the attending registered doctor’s written recommendation, inpatient or at a day-patient facility; CT, MRI, PET, PET–CT and PET–MRI only.

Full reimbursement, subject to overall annual/lifetime limits, deductible and applicable ward/territorial conditions. Radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy only, inpatient or at a day-patient facility; includes specialist outpatient fees for planning and monitoring during treatment. Prescribed imaging pays separately under (i).

Full reimbursement, subject to overall annual/lifetime limits, deductible and applicable ward/territorial conditions. All outpatient/emergency visits in the 30 days before confinement/day surgery, or one visit earlier than 30 days; follow-up within 90 days afterwards, extended to 365 days for complex/major surgery, including a procedure reasonably classified at that level under the contract. Directly related to the same condition/complications; follow-up by or on the attending doctor’s written recommendation, except qualified chiropractor follow-up needs no referral. Imaging and non-surgical cancer treatment pay under (i), (j).

Full reimbursement, subject to overall annual/lifetime limits, deductible and applicable ward/territorial conditions. Specialist-recommended inpatient psychiatric treatment in Hong Kong, replacing basic (a)–(k); where mixed expenses cannot be allocated, the original reason for admission determines psychiatric versus other basic payment.

Full reimbursement. One additional bed for an immediate family member during confinement eligible under room/board or ICU cover.

HK$1,600 per day; up to 30 days per policy year, two sessions per day. Requires an eligible surgeon-fee claim and written recommendation of the attending registered doctor; nursing at home within 60 days after discharge/day surgery, directly related to the same condition and complications. One qualified nurse per session, two sessions per day; a partial day counts as one day. Connected persons need prior written approval.

Full reimbursement. Haemodialysis/peritoneal dialysis for chronic irreversible kidney failure, inpatient or at a day-patient facility, on the attending registered doctor’s written recommendation; these dialysis expenses pay only under this item.

Full reimbursement. Treatment at a hospital outpatient department within 24 hours of accidental injury; costs eligible under basic cover do not pay again under this item.

HK$30,000 per policy year; inpatient HK$400 per day; post-discharge/day-surgery HK$600 per visit, once daily. Hospital-arranged treatment while confined; treatment within 90 days after discharge/day surgery must form part of rehabilitation directly related to the same condition and complications. Overlapping expenses pay under cancer/heart-attack/stroke rehabilitation visits first, then this item.

HK$80,000 per policy. Death within 90 days of an accident pays in addition to compassionate death cover, worldwide; annual/lifetime caps and deductible do not apply.

Listed devices: full reimbursement; other devices: HK$250,000 per policy year. Non-transferable devices implanted in/on the body by a registered doctor during surgery: pacemaker, coronary angioplasty stent, mono-/multifocal intraocular lens, artificial heart valve, metal/artificial joint, artificial ligament and artificial disc. Devices for covered cancer reconstruction also pay here, without duplicate miscellaneous payment.

Full reimbursement; up to 30 days per policy year, two sessions per day. Extra nursing while still hospitalised after surgery or transfer out of ICU, on the attending registered doctor’s written recommendation. One qualified nurse per session and two sessions per day; a partial day counts as one day. Concurrent nurses/additional sessions pay only the highest-cost one/two. Connected persons require prior written approval.

Full reimbursement. Emergency treatment of natural teeth within two weeks of accidental injury by a qualified dentist at a clinic/hospital: bleeding control, X-rays, extraction and root-canal treatment. Other-purpose restoration, precious metals and orthodontics excluded. No duplicate payment of basic-covered expenses; connected persons need prior written approval.

HK$200,000 per policy year. Doctor-recommended inpatient reconstruction within 12 months after cancer-removal surgery, restoring appearance above the lower mandible or of the breast. Other below-neck and standalone dental restoration are excluded, except covered above-neck reconstruction extending below the neck. Contract-defined invasive malignancy confirmed by histopathology only; excludes in-situ cancer, HIV-associated tumours, Rai stage 0 chronic lymphocytic leukaemia and AJCC stage I or lower non-melanoma skin cancer. Related inpatient/surgical costs pay here; devices and prescribed imaging pay under their own items.

HK$80,000 per policy year; up to 60 days. Admission to a qualified rehabilitation centre within 90 days after discharge on the attending registered doctor’s written recommendation, directly related to the same condition and complications; at least six continuous hours and daily accommodation/meal charges required. Related rehabilitation expenses pay only under this item.

HK$60,000 per policy year. Terminal illness with a high likelihood of death within 12 months in the attending registered doctor’s opinion, with written recommendation for admission to a registered hospice; at least six continuous hours and daily accommodation/meal charges. Related hospice expenses pay only under this item.

HK$50,000 per incident. Requires specialist-confirmed covered cancer, heart attack or stroke as defined by the contract. Another primary cancer may be a new incident; same-origin recurrence/metastasis requires at least three years and intervening complete remission; recurrent heart attack/stroke requires at least one year. Otherwise the previous incident cap is shared. Home adaptations to aid daily living require a qualified occupational therapist’s written recommendation; connected persons need prior written approval.

HK$1,000 per visit; up to 15 visits per policy year, one visit per covered treatment per day; HK$45,000 per incident in total. Requires specialist-confirmed covered cancer, heart attack or stroke as defined by the contract. Another primary cancer may be a new incident; same-origin recurrence/metastasis requires at least three years and intervening complete remission; recurrent heart attack/stroke requires at least one year. Otherwise the previous incident cap is shared. Listed specialists/dietitians require a doctor’s written recommendation; registered Chinese practitioners and clinical psychologists do not. Overlap pays post-discharge follow-up first, then this item, then Chinese medicine.

HK$1,000 per day. Only a Hong Kong private-hospital ward below semi-private, with eligible room/board and positive basic/extra benefit payment; Hong Kong public hospitals excluded. Not subject to deductible, but included in overall annual/lifetime limits.

From policy year 4, in the year immediately after every third renewal, choose one listed service within the covered region at the applicable age. Submit service evidence and original receipts/itemised bills within 90 days. Annual/lifetime limits and deductible do not apply. Eye examination/OCT (age 4+), cervical smear (18+) or prostate check (25+): HK$500. Mammogram (40+), bone-density check (50+) or shingles vaccine (50+): HK$1,000. Pure vision/refraction testing is excluded.

HK$80,000 per policy. Death from any cause anywhere, except suicide within the first policy year; annual/lifetime caps and deductible do not apply.

Once per lifetime · no fresh underwriting Apply in writing within 31 days before or after renewal on or immediately following the specified birthday. Available options guarantee zero deductible. The new deductible applies from renewal; premiums use the applicable standard table plus accepted loading. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.

Full reimbursement, subject to overall annual/lifetime limits, deductible and applicable ward/territorial conditions. Hospital accommodation and meals during confinement, day surgery or prescribed non-surgical cancer treatment. Confinement must last at least 6 continuous hours, except emergency surgery or other emergency medical treatment.

Full reimbursement, subject to overall annual/lifetime limits, deductible and applicable ward/territorial conditions. Medical miscellaneous expenses for confinement/day surgery, including discharge medicines for four weeks, ambulance, tests and ultrasound/X-rays. Prescribed imaging pays under (i), and the supplementary document’s listed medical devices under extra (a).

Full reimbursement, subject to overall annual/lifetime limits, deductible and applicable ward/territorial conditions. Attending registered doctor’s visits/consultations during confinement.

Full reimbursement, subject to overall annual/lifetime limits, deductible and applicable ward/territorial conditions. Visits/consultations during confinement by a specialist other than the attending doctor, on the attending registered doctor’s written recommendation.

Full reimbursement, subject to overall annual/lifetime limits, deductible and applicable ward/territorial conditions. ICU costs during confinement; the same expenses do not pay again under room/board (a).

Full reimbursement, subject to overall annual/lifetime limits, deductible and applicable ward/territorial conditions. Attending surgeon’s operating fee during confinement or at a day-patient facility, fully reimbursed regardless of surgery category; unlisted procedures are reasonably classified using recognised information.

Full reimbursement, subject to overall annual/lifetime limits, deductible and applicable ward/territorial conditions. Anaesthetist’s fee for the related surgery, only where surgeon’s fee (f) is payable.

Full reimbursement, subject to overall annual/lifetime limits, deductible and applicable ward/territorial conditions. Operating, treatment and recovery room costs for related surgery where surgeon’s fee (f) is payable; separately charged additional instruments/devices pay under miscellaneous (b).

Full reimbursement, subject to overall annual/lifetime limits, deductible and applicable ward/territorial conditions. 0% coinsurance. On the attending registered doctor’s written recommendation, inpatient or at a day-patient facility; CT, MRI, PET, PET–CT and PET–MRI only.

Full reimbursement, subject to overall annual/lifetime limits, deductible and applicable ward/territorial conditions. Radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy only, inpatient or at a day-patient facility; includes specialist outpatient fees for planning and monitoring during treatment. Prescribed imaging pays separately under (i).

Full reimbursement, subject to overall annual/lifetime limits, deductible and applicable ward/territorial conditions. All outpatient/emergency visits in the 30 days before confinement/day surgery, or one visit earlier than 30 days; follow-up within 90 days afterwards, extended to 365 days for complex/major surgery, including a procedure reasonably classified at that level under the contract. Directly related to the same condition/complications; follow-up by or on the attending doctor’s written recommendation, except qualified chiropractor follow-up needs no referral. Imaging and non-surgical cancer treatment pay under (i), (j).

Full reimbursement, subject to overall annual/lifetime limits, deductible and applicable ward/territorial conditions. Specialist-recommended inpatient psychiatric treatment in Hong Kong, replacing basic (a)–(k); where mixed expenses cannot be allocated, the original reason for admission determines psychiatric versus other basic payment.

Full reimbursement. One additional bed for an immediate family member during confinement eligible under room/board or ICU cover.

HK$1,600 per day; up to 30 days per policy year, two sessions per day. Requires an eligible surgeon-fee claim and written recommendation of the attending registered doctor; nursing at home within 60 days after discharge/day surgery, directly related to the same condition and complications. One qualified nurse per session, two sessions per day; a partial day counts as one day. Connected persons need prior written approval.

Full reimbursement. Haemodialysis/peritoneal dialysis for chronic irreversible kidney failure, inpatient or at a day-patient facility, on the attending registered doctor’s written recommendation; these dialysis expenses pay only under this item.

Full reimbursement. Treatment at a hospital outpatient department within 24 hours of accidental injury; costs eligible under basic cover do not pay again under this item.

HK$30,000 per policy year; inpatient HK$400 per day; post-discharge/day-surgery HK$600 per visit, once daily. Hospital-arranged treatment while confined; treatment within 90 days after discharge/day surgery must form part of rehabilitation directly related to the same condition and complications. Overlapping expenses pay under cancer/heart-attack/stroke rehabilitation visits first, then this item.

HK$80,000 per policy. Death within 90 days of an accident pays in addition to compassionate death cover, worldwide; annual/lifetime caps and deductible do not apply.

Listed devices: full reimbursement; other devices: HK$250,000 per policy year. Non-transferable devices implanted in/on the body by a registered doctor during surgery: pacemaker, coronary angioplasty stent, mono-/multifocal intraocular lens, artificial heart valve, metal/artificial joint, artificial ligament and artificial disc. Devices for covered cancer reconstruction also pay here, without duplicate miscellaneous payment.

Full reimbursement; up to 30 days per policy year, two sessions per day. Extra nursing while still hospitalised after surgery or transfer out of ICU, on the attending registered doctor’s written recommendation. One qualified nurse per session and two sessions per day; a partial day counts as one day. Concurrent nurses/additional sessions pay only the highest-cost one/two. Connected persons require prior written approval.

Full reimbursement. Emergency treatment of natural teeth within two weeks of accidental injury by a qualified dentist at a clinic/hospital: bleeding control, X-rays, extraction and root-canal treatment. Other-purpose restoration, precious metals and orthodontics excluded. No duplicate payment of basic-covered expenses; connected persons need prior written approval.

HK$200,000 per policy year. Doctor-recommended inpatient reconstruction within 12 months after cancer-removal surgery, restoring appearance above the lower mandible or of the breast. Other below-neck and standalone dental restoration are excluded, except covered above-neck reconstruction extending below the neck. Contract-defined invasive malignancy confirmed by histopathology only; excludes in-situ cancer, HIV-associated tumours, Rai stage 0 chronic lymphocytic leukaemia and AJCC stage I or lower non-melanoma skin cancer. Related inpatient/surgical costs pay here; devices and prescribed imaging pay under their own items.

HK$80,000 per policy year; up to 60 days. Admission to a qualified rehabilitation centre within 90 days after discharge on the attending registered doctor’s written recommendation, directly related to the same condition and complications; at least six continuous hours and daily accommodation/meal charges required. Related rehabilitation expenses pay only under this item.

HK$60,000 per policy year. Terminal illness with a high likelihood of death within 12 months in the attending registered doctor’s opinion, with written recommendation for admission to a registered hospice; at least six continuous hours and daily accommodation/meal charges. Related hospice expenses pay only under this item.

HK$50,000 per incident. Requires specialist-confirmed covered cancer, heart attack or stroke as defined by the contract. Another primary cancer may be a new incident; same-origin recurrence/metastasis requires at least three years and intervening complete remission; recurrent heart attack/stroke requires at least one year. Otherwise the previous incident cap is shared. Home adaptations to aid daily living require a qualified occupational therapist’s written recommendation; connected persons need prior written approval.

HK$1,000 per visit; up to 15 visits per policy year, one visit per covered treatment per day; HK$45,000 per incident in total. Requires specialist-confirmed covered cancer, heart attack or stroke as defined by the contract. Another primary cancer may be a new incident; same-origin recurrence/metastasis requires at least three years and intervening complete remission; recurrent heart attack/stroke requires at least one year. Otherwise the previous incident cap is shared. Listed specialists/dietitians require a doctor’s written recommendation; registered Chinese practitioners and clinical psychologists do not. Overlap pays post-discharge follow-up first, then this item, then Chinese medicine.

HK$1,000 per day. Only a Hong Kong private-hospital ward below semi-private, with eligible room/board and positive basic/extra benefit payment; Hong Kong public hospitals excluded. Not subject to deductible, but included in overall annual/lifetime limits.

From policy year 4, in the year immediately after every third renewal, choose one listed service within the covered region at the applicable age. Submit service evidence and original receipts/itemised bills within 90 days. Annual/lifetime limits and deductible do not apply. Eye examination/OCT (age 4+), cervical smear (18+) or prostate check (25+): HK$500. Mammogram (40+), bone-density check (50+) or shingles vaccine (50+): HK$1,000. Pure vision/refraction testing is excluded.

HK$80,000 per policy. Death from any cause anywhere, except suicide within the first policy year; annual/lifetime caps and deductible do not apply.