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Zurich — same-insurer plan comparison
Zurich Insurance Company Ltd · 7 plan series · 13 variants
Zurich Insurance Company Ltd offers 13 Voluntary Health Insurance Scheme (VHIS) plans in Hong Kong (1 Standard, 12 Flexi), covering Asia incl. AU/NZ, Worldwide (excluding United States) and Worldwide (including United States), across Semi-Private Room, Ward and No ward-class restriction (item limits apply) ward classes. Premiums, coverage items, deductible tiers and annual limits are compared side-by-side below.
Data version: Mar 19, 2021
「智選守護」自願醫療保障計劃
- VHIS cert no.
- S00024-01-000-02
- Plan Type
- Standard
- Main coverage region
- Worldwide (including United States)
- Ward class
- No ward-class restriction (item limits apply)
- Annual benefit limit
- HK$420,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$750 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$14,000 per Policy Year
- (c) 主診醫生巡房費
- HK$750 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$4,300 per Policy Year
- (e) 深切治療
- HK$3,500 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$5,000
- 外科醫生費 — 中型
- HK$12,500
- 外科醫生費 — 大型
- HK$25,000
- 外科醫生費 — 複雜
- HK$50,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- HK$20,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$580 per visit, HK$3,000 per Policy Year Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- HK$30,000 per Policy Year
Extra Benefits
- 復康保障
- —
- 門診洗腎
- —
- 醫療植入裝置
- —
- 其他醫療裝置 (非指定項目)
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- —
Event Benefits
- 意外身故賠償
- —
- 醫療意外事故保障
- —
$750 per day, maximum 180 days per Policy Year
$14,000 per Policy Year
$750 per day, maximum 180 days per Policy Year
$4,300 per Policy Year
$3,500 per day, maximum 25 days per Policy Year
$5,000
$12,500
$25,000
$50,000
$20,000 per Policy Year. Subject to 30% Coinsurance.
$80,000 per Policy Year
$580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$30,000 per Policy Year
「智選無憂」自願醫療保障計劃 - 精選
- VHIS cert no.
- F00044-01-000-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Ward
- Annual benefit limit
- HK$550,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$900 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$16,000 per Policy Year
- (c) 主診醫生巡房費
- HK$900 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$6,000 per Policy Year
- (e) 深切治療
- HK$3,500 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$ 5,750
- 外科醫生費 — 中型
- HK$13,500
- 外科醫生費 — 大型
- HK$27,000
- 外科醫生費 — 複雜
- HK$54,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- HK$20,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$580 per visit, HK$3,000 per Policy Year Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- HK$30,000 per Policy Year
Extra Benefits
- 復康保障
- HK$10,000 per Policy Year
- 門診洗腎
- HK$50,000 per Policy Year
- 醫療植入裝置
- HK$5,000 per Policy Year
- 其他醫療裝置 (非指定項目)
- HK$5,000 per Policy Year
- 意外急症門診治療費用賠償
- HK$3,000 per Policy Year, within 48 hours of the Accident
- 住院陪床
- HK$400 per day, maximum 60 days per Policy Year
- 私家看護費 (住院期間)
- HK$800 per day, maximum 30 days per Policy Year
- 善終服務
- —
- 家中看護
- HK$500 per day, maximum 90 days per Policy Year
Event Benefits
- 意外身故賠償
- —
- 醫療意外事故保障
- —
$900 per day, maximum 180 days per Policy Year
$16,000 per Policy Year
$900 per day, maximum 180 days per Policy Year
$6,000 per Policy Year
$3,500 per day, maximum 25 days per Policy Year
$ 5,750
$13,500
$27,000
$54,000
$20,000 per Policy Year. Subject to 30% Coinsurance.
$80,000 per Policy Year
$580, per visit, $3,000 per Policy Year • Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$30,000 per Policy Year
$3,000 per Policy Year, within 48 hours of the Accident
$500 per day, maximum 90 days per Policy Year
$50,000 per Policy Year
$800 per day, maximum 30 days per Policy Year
$5,000 per Policy Year
$5,000 per Policy Year
$10,000 per Policy Year
$400 per day, maximum 60 days per Policy Year
「智選無憂」自願醫療保障計劃 - 精選附帶附加醫療保障
- VHIS cert no.
- F00044-01-001-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Ward
- Annual benefit limit
- HK$550,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- HK$120,000 · Coinsurance 20% (Per policy year)
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$900 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$16,000 per Policy Year
- (c) 主診醫生巡房費
- HK$900 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$6,000 per Policy Year
- (e) 深切治療
- HK$3,500 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$ 5,750
- 外科醫生費 — 中型
- HK$13,500
- 外科醫生費 — 大型
- HK$27,000
- 外科醫生費 — 複雜
- HK$54,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- HK$20,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$580 per visit, HK$3,000 per Policy Year Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- HK$30,000 per Policy Year
Extra Benefits
- 復康保障
- HK$10,000 per Policy Year
- 門診洗腎
- HK$50,000 per Policy Year
- 醫療植入裝置
- HK$5,000 per Policy Year
- 其他醫療裝置 (非指定項目)
- HK$5,000 per Policy Year
- 意外急症門診治療費用賠償
- HK$3,000 per Policy Year within 48 hours of the Accident
- 住院陪床
- HK$400 per day, maximum 60 days per Policy Year
- 私家看護費 (住院期間)
- HK$800 per day, maximum 30 days per Policy Year
- 善終服務
- —
- 家中看護
- HK$500 per day, maximum 90 days per Policy Year
Event Benefits
- 意外身故賠償
- HK$100,000
- 醫療意外事故保障
- —
HK$120,000／per policy year, 20% coinsurance
$900 per day, maximum 180 days per Policy Year
$16,000 per Policy Year
$900 per day, maximum 180 days per Policy Year
$6,000 per Policy Year
$3,500 per day, maximum 25 days per Policy Year
$ 5,750
$13,500
$27,000
$54,000
$20,000 per Policy Year. Subject to 30% Coinsurance.
$80,000 per Policy Year
$580, per visit, $3,000 per Policy Year • Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$30,000 per Policy Year
$3,000 per Policy Year within 48 hours of the Accident
$500 per day, maximum 90 days per Policy Year
$50,000 per Policy Year
$800 per day, maximum 30 days per Policy Year
$5,000 per Policy Year
$5,000 per Policy Year
$10,000 per Policy Year
• Room and board: $900 per day (starting from the 181st day per Policy Year) • Attending doctor's visit fee: $900 per day (starting from the 181st day per Policy Year) • Intensive care: $3,500 per day (starting from the 26st day per Policy Year) Effective from day 181 of confinement
$400 per day, maximum 60 days per Policy Year
$100,000
「智選無憂」自願醫療保障計劃 - 特選
- VHIS cert no.
- F00044-02-000-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$750,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$1,800 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$24,000 per Policy Year
- (c) 主診醫生巡房費
- HK$1,800 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$8,000 per Policy Year
- (e) 深切治療
- HK$5,000 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$ 8,000
- 外科醫生費 — 中型
- HK$20,000
- 外科醫生費 — 大型
- HK$40,000
- 外科醫生費 — 複雜
- HK$80,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- HK$30,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$120,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$800 per visit, HK$5,000 per Policy Year Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- HK$30,000 per Policy Year
Extra Benefits
- 復康保障
- HK$15,000 per Policy Year
- 門診洗腎
- HK$100,000 per Policy Year
- 醫療植入裝置
- HK$10,000 per Policy Year
- 其他醫療裝置 (非指定項目)
- HK$10,000 per Policy Year
- 意外急症門診治療費用賠償
- HK$5,000 per Policy Year, within 48 hours of the Accident
- 住院陪床
- HK$600 per day, maximum 60 days per Policy Year
- 私家看護費 (住院期間)
- HK$1,000 per day, maximum 30 days per Policy Year
- 善終服務
- —
- 家中看護
- HK$800 per day, maximum 90 days per Policy Year
Event Benefits
- 意外身故賠償
- —
- 醫療意外事故保障
- —
$1,800 per day, maximum 180 days per Policy Year
$24,000 per Policy Year
$1,800 per day, maximum 180 days per Policy Year
$8,000 per Policy Year
$5,000 per day, maximum 25 days per Policy Year
$ 8,000
$20,000
$40,000
$80,000
$30,000 per Policy Year. Subject to 30% Coinsurance.
$120,000 per Policy Year
$800, per visit, $5,000 per Policy Year • Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$30,000 per Policy Year
$5,000 per Policy Year, within 48 hours of the Accident
$800 per day, maximum 90 days per Policy Year
$100,000 per Policy Year
$1,000 per day, maximum 30 days per Policy Year
$10,000 per Policy Year
$10,000 per Policy Year
$15,000 per Policy Year
$600 per day, maximum 60 days per Policy Year
「智選無憂」自願醫療保障計劃 - 特選附帶附加醫療保障
- VHIS cert no.
- F00044-02-001-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$750,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- HK$240,000 · Coinsurance 20% (Per policy year)
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$1,800 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$24,000 per Policy Year
- (c) 主診醫生巡房費
- HK$1,800 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$8,000 per Policy Year
- (e) 深切治療
- HK$5,000 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$ 8,000
- 外科醫生費 — 中型
- HK$20,000
- 外科醫生費 — 大型
- HK$40,000
- 外科醫生費 — 複雜
- HK$80,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- HK$30,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$120,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$800 per visit, HK$5,000 per Policy Year Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- HK$30,000 per Policy Year
Extra Benefits
- 復康保障
- HK$15,000 per Policy Year
- 門診洗腎
- HK$100,000 per Policy Year
- 醫療植入裝置
- HK$10,000 per Policy Year
- 其他醫療裝置 (非指定項目)
- HK$10,000 per Policy Year
- 意外急症門診治療費用賠償
- HK$5,000 per Policy Year within 48 hours of the Accident
- 住院陪床
- HK$600 per day, maximum 60 days per Policy Year
- 私家看護費 (住院期間)
- HK$1,000 per day, maximum 30 days per Policy Year
- 善終服務
- —
- 家中看護
- HK$800 per day, maximum 90 days per Policy Year
Event Benefits
- 意外身故賠償
- HK$100,000
- 醫療意外事故保障
- —
HK$240,000／per policy year, 20% coinsurance
$1,800 per day, maximum 180 days per Policy Year
$24,000 per Policy Year
$1,800 per day, maximum 180 days per Policy Year
$8,000 per Policy Year
$5,000 per day, maximum 25 days per Policy Year
$ 8,000
$20,000
$40,000
$80,000
$30,000 per Policy Year. Subject to 30% Coinsurance.
$120,000 per Policy Year
$800, per visit, $5,000 per Policy Year • Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$30,000 per Policy Year
$5,000 per Policy Year within 48 hours of the Accident
$800 per day, maximum 90 days per Policy Year
$100,000 per Policy Year
$1,000 per day, maximum 30 days per Policy Year
$10,000 per Policy Year
$10,000 per Policy Year
$15,000 per Policy Year
• Room and board: $1,800 per day (starting from the 181st day per Policy Year) • Attending doctor's visit fee: $1,800 per day (starting from the 181st day per Policy Year) • Intensive care: $5,000 per day (starting from the 26st day per Policy Year) Effective from day 181 of confinement
$600 per day, maximum 60 days per Policy Year
$100,000
「智選無憂+」自願醫療保障計劃 (亞洲)
- VHIS cert no.
- F00036-01-000-02F00036-02-000-02F00036-03-000-02F00036-04-000-02
- Plan Type
- Flexi
- Main coverage region
- Asia incl. AU/NZ
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$6,000,000
- Lifetime benefit limit
- HK$25,000,000
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- $0 / $60K / $90K / $150K
- Deductible reduction at specified ages
- 60, 65, 70 years Once per lifetime · no fresh underwriting Application required
Basic Benefits
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- 外科醫生費 — 小型
- Full reimbursement
- 外科醫生費 — 中型
- Full reimbursement
- 外科醫生費 — 大型
- Full reimbursement
- 外科醫生費 — 複雜
- Full reimbursement
- (g) 麻醉科醫生費
- Full reimbursement
- (h) 手術室費
- Full reimbursement
- (i) 訂明診斷成像檢測
- $40,000
- (j) 訂明非手術癌症治療
- Full reimbursement
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$1,600 per visit, HK$10,000 per Policy Year Up to 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure Unlimited follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- Full reimbursement
Extra Benefits
- 復康保障
- $25,000
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Full reimbursement
- 其他醫療裝置 (非指定項目)
- Full reimbursement
- 意外急症門診治療費用賠償
- $5,000
- 住院陪床
- HK$800 per day, maximum 60 days per Policy Year
- 私家看護費 (住院期間)
- HK$1,600 per day, maximum 30 days per Policy Year
- 善終服務
- $80,000
- 家中看護
- HK$1,600 per day, maximum 90 days per Policy Year
Event Benefits
- 意外身故賠償
- $100,000
- 醫療意外事故保障
- $90,000
Once per lifetime · no fresh underwriting Apply within 31 days before renewal on or following the birthday. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.
Full reimbursement of Eligible Expenses
Actual Eligible Expenses
Actual Eligible Expenses
Actual Eligible Expenses
Actual Eligible Expenses
Actual Eligible Expenses
Actual Eligible Expenses
Actual Eligible Expenses
Actual Eligible Expenses
Actual Eligible Expenses
Actual Eligible Expenses
$40,000 per Policy Year
Actual Eligible Expenses
$1,600 per visit, $10,000 per Policy Year • Up to 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure • Unlimited follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
Actual Eligible Expenses
$5,000 per Policy Year within 48 hours of the Accident
$1,600 per day, maximum 90 days per Policy Year
Actual Eligible Expenses
$1,600 per day, maximum 30 days per Policy Year
Actual Eligible Expenses
Actual Eligible Expenses
$25,000 per Policy Year
$80,000 per Policy Year
$800 per day, maximum 60 days per Policy Year
$100,000
$90,000
「智選無憂+」自願醫療保障計劃 (環球但不包括美國)
- VHIS cert no.
- F00036-05-000-02F00036-06-000-02F00036-07-000-02F00036-08-000-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (excluding United States)
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$6,000,000
- Lifetime benefit limit
- HK$25,000,000
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- $0 / $60K / $90K / $150K
- Deductible reduction at specified ages
- 60, 65, 70 years Once per lifetime · no fresh underwriting Application required
Basic Benefits
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- 外科醫生費 — 小型
- Full reimbursement
- 外科醫生費 — 中型
- Full reimbursement
- 外科醫生費 — 大型
- Full reimbursement
- 外科醫生費 — 複雜
- Full reimbursement
- (g) 麻醉科醫生費
- Full reimbursement
- (h) 手術室費
- Full reimbursement
- (i) 訂明診斷成像檢測
- $40,000
- (j) 訂明非手術癌症治療
- Full reimbursement
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$1,600 per visit, HK$10,000 per Policy Year Up to 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure Unlimited follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- Full reimbursement
Extra Benefits
- 復康保障
- $25,000
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Full reimbursement
- 其他醫療裝置 (非指定項目)
- Full reimbursement
- 意外急症門診治療費用賠償
- $5,000
- 住院陪床
- HK$800 per day, maximum 60 days per Policy Year
- 私家看護費 (住院期間)
- HK$1,600 per day, maximum 30 days per Policy Year
- 善終服務
- $80,000
- 家中看護
- HK$1,600 per day, maximum 90 days per Policy Year
Event Benefits
- 意外身故賠償
- $100,000
- 醫療意外事故保障
- $90,000
Once per lifetime · no fresh underwriting Apply within 31 days before renewal on or following the birthday. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.
Full reimbursement of Eligible Expenses
Actual Eligible Expenses
Actual Eligible Expenses
Actual Eligible Expenses
Actual Eligible Expenses
Actual Eligible Expenses
Actual Eligible Expenses
Actual Eligible Expenses
Actual Eligible Expenses
Actual Eligible Expenses
Actual Eligible Expenses
$40,000 per Policy Year. Subject to 30% Coinsurance.
Actual Eligible Expenses
$1,600 per visit, $10,000 per Policy Year • Up to 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure • Unlimited follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
Actual Eligible Expenses
$5,000 per Policy Year within 48 hours of the Accident
$1,600 per day, maximum 90 days per Policy Year
Actual Eligible Expenses
$1,600 per day, maximum 30 days per Policy Year
Actual Eligible Expenses
Actual Eligible Expenses
$25,000 per Policy Year
$80,000 per Policy Year
$800 per day, maximum 60 days per Policy Year
$100,000
$90,000
“No overall limit”: individual items still have limits. “—”: the item does not apply to that plan, or the benefit schedule does not list it separately (e.g. it is split by surgery category); this does not necessarily mean it is never paid. “Not listed”: we could not confirm it from the plan documents.