NCB Hospital Income Care Plan

Protect you against income loss during hospitalisation by providing daily cash benefit and medical expenses coverage

Plan Highlights

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Flexible Choice of Three Plans Icon
Flexible Choice of Three Plans

You can select from 3 different levels of daily cash benefits according to your protection needs. The plan also covers Surgical Expenses Benefit and Accidental Medical Expenses Benefit

Double Benefit Icon
Double Benefit 

If you are staying in an intensive care unit, having a major organ transplant, infectious diseases or undergoing treatment for major burns during your hospitalisation, the daily cash benefit will be doubled up for up to 100 days

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Triple Benefit Icon
Triple Benefit

The plan provides extra protection by tripling up the amount of daily cash benefit, if you are hospitalised due to bodily injury arising from traffic accident on board a public transport

Daily Cash Benefit Icon
Daily Cash Benefit 

If you are hospitalised, you can have daily cash benefit up to HK$1,500 for as long as 750 days

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No Claim Bonus
No Claim Bonus

30% premium refund on paid premium if no claim is made in 3 consecutive years

Minor Surgical Expenses Icon
Minor Surgical Expenses

Cover surgical expenses during hospitalisation and outpatient treatment due to sickness or accident, including Hospital Charges, Doctor’s Fee, Surgeon Fees, Anaesthetist's Fees and Operating Theatre Fees

Plan details

Benefits

Summary of Benefits (HK$) Maximum Benefits Limit (HK$)
Type of Plan

Plan 1

Plan 2

Plan 3

Daily Cash Benefit

500 1,000 1,500
  Up to 750 days
Double Benefit5  (per day) 1,000 2,000 3,000
 

Up to 100 days

Triple Benefit6  (per day)

1,500 3,000 4,500
 

Up to 100 days

Surgical Expenses Benefit (per year)

 

   
- In-patient 10,000 20,000 30,000
- Outpatient  3,000 4,000 5,000

Accidental Medical Expenses Benefit
(General or Specialist Outpatient Services, 
Physiotherapist, Chiropractor, Bonesetter
and Acupuncturist treatment expenses)

 

- per year 2,500 5,000 7,500
- per day 250 500 750
24-hour Worldwide Medical
Evacuation & Repatriation
2,000,000

up to 30 days for hospitalisation in China. 

Important Note:
  1. Applicant must be resident of Hong Kong aged between 18 and 59.
  2. This Policy is eligible for Insured Person(s) aged 15 days to 59 upon enrolment and it will be renewed up to age 69 automatically.
  3. 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). Maximum benefit limit for children is 50% of the specified adult limit (not applicable to 24-hour Worldwide Medical Evacuation & Repatriation Benefit).
  4. Cover does not begin until the application has been accepted and premium received.
  5. Double 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.   
  6. Triple benefit applicable to Insured Person is confined for Public Transport Accident. 
  7. During the period of insurance, Insured Person should not be involved in the following occupations: actors/entertainers/stunt persons, aircrew members, casinos’/other gambling establishments’ staff, nightclubs’/saunas’/massage parlours’ staff, police/armed forces personnel or construction workers/interior decoration workers.
  8. Unless a written termination notice is given to MSIG by the Insured Person, this Insurance will be renewed automatically on a yearly basis upon policy expiry date and premium and the Levy will be deducted from the account provided by the Insured Person.
  9. 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.
  10. 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.
  11. This document is not a policy of insurance and please refer to the Policy (which will be issued to you upon acceptance of your application) for the Terms, Conditions and Exclusion or the Terms and Conditions are also available upon request.

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

Premium Table (HK$)*

Age Group 
(Years old)

 

Plan 1 

Plan 2

Plan 3 

Monthly 

Annual^

Monthly 

Annual^

Monthly 

Annual^

15 days - 6**

120

1,296

230

2,484

350

3,780

7-17**

100

1,080

200

2,160

305

3,294

18-29 

140

1,512

275

2,970

415

4,482

30-39 

175

1,890

345

3,726

520

5,616

40-49 

270

2,916

545

5,886

815

8,802

50-59 

445

4,806

890

9,612

1,330

14,364

60-69#

650

7,020

1,300

14,040

1,950

21,060

*Collection of Levy on Insurance Premium - The Insurance Authority (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 above are subject to levy. If the premium is paid by monthly instalment, we will adjust the rounding in the final month (if applicable) of each insurance period.

^Annual premium refers to 10% discount of monthly premium.

**10% premium loading will be applied to policy application of individual insured person aged 15 days – 17 years old. 

#Age group of 60 to 69 is applicable for renewal only.

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.

Major Exclusions

  1. Pre-existing conditions 
  2. 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 
  3. 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.
  4. Routine check-ups / vaccinations 
  5. Cosmetic surgery 
  6. Dental treatment 
  7. Convalescent care 
  8. Pregnancy, childbirth or miscarriage 
  9. Congenital and hereditary conditions 
  10. Mental or psychiatric disorders 
  11. Participation of hazardous sports and pastime 

The above is a summary of Major Exclusions only. For details please refer to policy provisions.