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CarePlus Hospital Cash Insurance
Why choose MSIG?
Daily Cash Benefit
If hospitalised anywhere in the world1, you will receive a daily cash benefit of up to HK$1,500 for as long as 750 days
Double Cash Benefit
If you are staying in an intensive care unit, you will receive a double cash benefit of up to HK$3,000 per day for as long as 30 days2
Transportation/Hospital parking fee allowance
You will receive an allowance of up to HK$100 per admission or discharge 3
Companion bed allowance
If you are hospitalised, you will receive an allowance of up to HK$250 for as long as 14 days 3
Emergency outpatient benefit for accidents
Coverage up to HK$15,000 per year and HK$7,500 per accident3
Overseas accident benefit
Coverage up to HK$150,000 for hospital and surgical expenses from accidents overseas
| Summary of benefits | Maximum benefits payable per year (HK$) | ||
|---|---|---|---|
| Type of plan | Plan 1 | Plan 2 | Plan 3 |
1. Daily cash benefitLimit per day Maximum no. of days per disability 1 |
500 750 |
1,000 750 |
1,500 750 |
2. Double cash benefitLimit per day Maximum no. of days per disability 2 |
1,000 30 |
2,000 30 |
3,000 30 |
3. Transportation/Hospital parking fee allowance 3Limit per admission or discharge |
50 |
100 |
100 |
4. Companion bed allowance 3Maximum no. of days | 150 14 | 200 14 | 250 14 |
5. Emergency outpatient benefit for accidents 3Maximum limit per year Limit per accident |
5,000 2,500 |
10,000 5,000 |
15,000 7,500 |
6. Overseas accident benefitLimited per year |
50,000 |
100,000 |
150,000 |
1 Up to 30 days for hosptalisation in China
2 Up to 15 days for hosptalisation in China
3 Coverage is applicable only within the vicinity of Hong Kong
Important note:
- Applicant must be resident of Hong Kong aged 18 to 59.
- This policy is eligible for insured person(s) aged 15 days to 59 upon enrolment and it will be renewed up to age 70 automatically.
- Applicant can apply the plan with his/her legal spouse and/or unmarried children aged between 15 days and 17 (full time students up to 23 years old).
- If an applicant would like to enrol for his/her family, family members must be enrolled into the same plan as the applicant.
- Cover does not begin until the application has been accepted and premium received.
- Double Cash Benefit applicable to any of the following sickness or bodily injury resulting confined in hospital for treatment: (i) Intensive Care Unit of Hospital; (ii) Major Organ Transplant; (iii) Major Burn; (iv) Infectious Disease.
- Of the Daily Cash Benefit and Double Cash Benefit, only one of them shall be paid per day.
- During the insured period, insured person should not be involved in the following occupations: Actors/entertainers/stunt persons, aircrew members, police/armed forces personnel, or construction workers.
- During the insured period, the insured person must inform MSIG immediately in case of any changes of insured details (such as address), otherwise MSIG reserves the right to decline any claims the insured person made.
- The above insurance product is underwritten by MSIG. MSIG reserves the right of final approval and amend the above products. In case of disputes, the decision of MSIG shall be final and binding.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
| Premium Table^ (HK$) | |||
|---|---|---|---|
| Age Group | Plan 1 | Plan 2 | Plan 3 |
| 15 days - 4 years | 1,191 | 2,234 | 3,278 |
| 5-24 years | 570 | 920 | 1,270 |
| 25-34 years | 668 | 1,063 | 1,458 |
| 35-44 years | 899 | 1,445 | 1,990 |
| 45-54 years | 1,312 | 2,191 | 3,069 |
| 55-64 years# | 2,165 | 3,787 | 5,409 |
| 65-70 years# | 4,498 | 8,230 | 11,962 |
#Age group of 60 to 70 is applicable for renewal only.
^The premium amounts are subject to levy which is collected by the Insurance Authority ("IA"). IA has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this factsheet are subject to levy. For further information, please visit www.ia.org.hk/en/levy.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
- Pre-existing conditions
- A 30-day Waiting Period from the effective date of the insurance shall be applicable during which time claims caused by sicknesses are not covered
- Confinement or Treatment for Sickness contracted or commencing within 6 months from the commencement of Policy for the following Disabilities: Tuberculosis, Anal fistulae, Gall stones, Stones of kidney, urethra or urinary bladder, Hypertension or cardiovascular disease, Gastric or duodenal ulcer, Diabetes mellitus, Tumours or malignancies, Haemorrhoids, Disorders of tonsils requiring tonsillectomy, Disorders of nasal septum, sinus or turbinates, Hyperthyroidism, Cataracts, Prolapsed intervertebral disc or disc degeneration
- Any surgery or treatment for circumcision before attaining the age of 12
- Vaccinations
- Routine medical examinations or check-ups, routine eye or ear examinations
- Dental Treatment
- Treatment related to all endoscopy procedures
- Any inpatient treatment provided in facilities primarily offering Chinese Medicine
- Rest cures and services or Treatment in any home, spa, hydro-clinic, sanatorium or long-term care facility that is not a Hospital as defined
- Congenital and hereditary conditions
- Confinement as the donor of organ or tissue transplant
- Mental or psychiatric disorders
- Drug addiction or alcoholism
- Suicide or self-inflicted injury
- Cosmetic Surgery
- Pregnancy, childbirth, birth control and treatment for infertility
- Sexually transmitted disease and Acquired Immune Deficiency Syndrome (AIDS) treatment
- Professional and hazardous sports
- Treatment resulting from war or warlike operation, strike, riot and civil revolution
- Claims initiated by members of the following occupations (whether on a full- time or parttime basis):
- Actors, entertainers or stunt persons
- Air Crew
- Police or armed forces personnel
- Construction worker
The above is a summary of Major Exclusions only. For details please refer to policy provisions.
