MediSure Plus

MediSure Plus

Supplement to your existing medical plan

Key Features

  • Guaranteed renewal up to age 100
  • Full cover for Hospital and Related Services Benefits with no sub-limit (except Standard Plan, Excel Plan and Medical Top Up Plan)
  • Cover for Chemotherapy, targeted therapy, radiotherapy or renal dialysis

Plan Highlights

  • Up to 65% premium discount on various deductible options
  • Extra 10% off for a family bundle if your spouse and/or child(ren) enrols together
  • International payment guarantee
  • Free medical preventive service once per year

 

Newly-added protections:

  • Second Claim Benefit
  • Cover prescribed diagnostic imaging tests in Miscellaneous Hospital Charges
  • Cover Inpatient and Outpatient Targeted Therapy, Immunotherapy and Hormonal Therapy
  • Extend follow-up treatment to within 90 days after discharge

 

Optional benefits to match your unique needs:

  • Supplementary Major Medical Benefit
  • Dental Benefit
  • Choice of coverage for 12 or 28 critical illnesses extended to:
    • children of 15 days to 17 years of age
    • 79 years of age
  • Maternity Benefit is extended to Excel Plan

 

Other benefits:

  • Full cover for accompany bed for child patient (except Standard Plan)
  • Private Nursing Cover for up to 26 weeks per year
  • Public Hospital Cash Benefit of up to HK$2,500 per day
  • 24-hour International Emergency Assistance Service
  • Emergency Evacuation or Repatriation Service (Super Plan & Executive Plan)

Plan details

Benefits

  (Effective from 01 Oct 2019)
Core Cover Standard Plan Excel Plan Super Plan Executive Plan Medical Top Up Plan1
Overall Maximum Limit per Disability 250,000 500,000 2,500,000 10,000,000 N/A

(A) Hospital & Related Services Benefit

Maximum Limit (per year)

250,000 500,000 750,000 1,500,000 250,000
Room & Board (per day) 1,050 (up to 120 days per disability) 2,100 2,900 4,000 50% reimbursement for each eligible claim up to Maximum Limit per year

Accompany Bed (per day)

  • for one adult family member for hospitalisation of children aged 17 or below
1,050 (up to 120 days per disability) Full Cover Full Cover Full Cover

Intensive Care (per disability)

  • supplement to Room & Board
16,000 Full Cover Full Cover Full Cover
Miscellaneous Hospital Charges (Covers prescribed diagnostic imaging tests)# 16,000 Full Cover Full Cover Full Cover
Physician Fees (per day) 1,050 (up to 120 days per disability) 2,100 2,900 4,000
In-hospital Specialists (per disability) 5,200 Full Cover Full Cover Full Cover
Surgeon Fee (per operation)  
Complex 52,000 330,000 Full Cover Full Cover
Major 26,000 165,000
Intermediate 13,000 82,500
Minor 5,200 33,000
Anaesthetist Fee (per operation) 35% of Surgeon Fee 35% of Surgeon Fee
Operation Theatre (per operation) 35% of Surgeon Fee 35% of Surgeon Fee
Outpatient Chemotherapy / Radiotherapy / Targeted Therapy / Immunotherapy / Hormonal Therapy / Kidney Dialysis Treatment (per disability) 17,000 Full Cover Full Cover Full Cover

Pre-Admission Outpatient Visits and Post-Hospital Follow-up Treatment (per disability)

  • 1 visit within 30 days before admission
  • Up to 3 Follow-up Treatments within 90 days after discharge
1,350 Full Cover Full Cover Full Cover
Post Operation and Cancer Treatment Recovery Benefit (per day)
  • up to 5 visits per year for each of the following treatments:

    1. Psychological Counselling (Consultation fee only) 
    2. Dietetic Consultation (Consultation fee only)
    3. Speech Therapy (Treatment fee only)
    4. Occupational Therapy (Treatment fee only)
    5. Chinese Herbalist Consultation and Acupuncture

420

630

840

1,050

420

  • Reimbursement percentage
80% 80% 80% 80% 50%
Private Nursing (per day)
  • up to 26 weeks per year
320 Full Cover Full Cover Full Cover N/A
Job Changer Hospital Benefit2 N/A N/A N/A N/A 26,000
Public Hospital Cash Benefit (per day) 1,000 (up to 120 days per disability) 1,500 2,000 2,500 1,000
Day Surgery Cash Allowance (per operation) 1,000 1,000 1,000 1,000 1,000
Second claim benefit (per claim) 1,000 1,000 1,000 1,000 N/A
Lifetime Limit (per person, applied at or above age 70) 1,000,000 2,000,000 3,000,000 6,000,000 N/A

(B) Increased International Cover Benefit (in excess of maximum limit per year for Hospital & Related Services Benefit)

Maximum Limit (per year)

N/A N/A N/A 4,500,000 N/A

(C) Organ Transplantation Benefit

Maximum Limit (per year and per disability)

250,000 500,000 750,000 1,500,000 N/A

(D) Additional Benefits

Free Medical Service at Appointed Centre

Once per year Once per year Once per year Once per year Once per year
International Payment Guarantee^ Available Available Available Available N/A
24-hour International Emergency Assistance Available Available Available Available Available
Emergency Evacuation & Repatriation (per year and per disability) N/A N/A 1,000,000 1,500,000 N/A
Free Travel Personal Accident Benefit (per year and per accident) N/A N/A N/A 1,000,000 N/A
Remarks
  1. The insured person should own a valid hospital & surgical insurance policy at the time of hospital confinement or treatment; otherwise the benefit for Medical Top Up Plan will become invalid.
  2. Waiting period: 90 days from the effective date of Medical Top Up Plan. Maximum period of coverage: within 120 days from the date of termination of employment. The Insured Person has to provide proof of termination of employment upon submission of claim.

 

# Prescribed diagnostic imaging tests: computer tomography (“CT” scan), magnetic resonance imaging (“MRI” scan), positron emission tomography (“PET” scan), PET-CT combined and PET-MRI combined)

 

* According to Surgical Schedule

^ Upon receipt of adequate prior notification of claim for Hospital in-patient treatment, MSIG Insurance (Hong Kong) Limited (“MSIG”) will confirm the extent of insurance benefits, monitor claims procedures, issue (wherever possible) appropriate payment guarantees and/or arrange direct settlement to the Hospitals, Physicians or other service providers subject always to policy terms and conditions. No such payment guarantees or direct settlements can be made if MSIG is not contacted in advance with all relevant details as stated above. Covered outpatient services are not subject to payment guarantees or direct settlement and must be paid by the Insured Person and reimbursement claimed under the policy.

 

  • Critical illness cover:
    • Under Standard Coverages (12 Critical Illnesses): Cancer (Spread of Malignant cell), Major Burns, Coronary Artery-Bypass Surgery, Coma, Stroke (Permanent neurological damage), Blindness (both eyes), Heart Attack, Loss of Hearing (both ears), Motor Neurone Diseases, End Stage Kidney Failure, End Stage Liver Failure, Major Organ Transplant(s)
    • Under Comprehensive Coverages (28 Critical Illnesses), with the above listed critical illnesses plus: Parkinson’s Disease, HIV Resulting from Blood Transfusion, Loss of Speech, Muscular Dystrophy, Multiple Sclerosis, Aorta Surgery, Benign Brain Tumour, Encephalitis, Paralysis/ Paraplegia, Heart Valve Surgery, Terminal Illness, Accidental Head Injury Resulting in Major Head Trauma, Loss of Independent Existence, Alzheimer’s Disease, Loss of Limbs, Pulmonary Hypertension.
  • Cover the following Critical Female Illnesses: Female specific cancers in situ: Breast, Vagina/ vulva, Fallopian tube, Uterus, Cervix (CIN lll or above), Ovary. Female illnesses: Rheumatoid arthritis, Osteoporosis leading to hip fractures, Systemic Lupus erythematosus (SLE) with lupus nephritis.
  • Terms and Conditions for Critical Illness Benefit and Lady Benefit:
    1. Waiting period - 60 days
    2. Survival period - 21 days
    3. Age limit for insuring Critical Illness Benefit: 15 days – 59 years of age
    4. Age limit for insuring Lady Benefit: 18 – 59 years of age
    5. Age limit for renewal - 79 years of age
    6. If you suffer from one of the critical illnesses or critical female illnesses as defined in your selected plan, you will be entitled a cash benefit as stated in the Table of Benefits. Once the full amount of the Maximum Limit is paid, your Critical Illness Benefit will cease but you can still enjoy the protection of medical cover up to age 100. 
  • Remark for Lady Benefit: 
    1. Lady Benefit is a rider of Critical Illness Benefit and cannot be insured separately.
    2. Lady Benefit paid will reduce the maximum limit of Critical Illness Benefit. 
  • Policy effective date: the 1st calendar day of each month after approval of application.
  • Cover does not begin until application has been accepted and premium received.
  • A loading of 10% premium is required for stand-alone child cover.
  • No refund of premium is allowed once the policy has been issued.
  • Premium and terms may be adjusted at renewal at the discretion of MSIG lnsurance (Hong Kong) Limited.

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.
 

  (Effective from 01 Oct 2019)
Optional Cover Standard Plan Excel Plan Super Plan Executive Plan Medical Top Up Plan1

Outpatient Services Benefit

Maximum Limit (per year)

N/A N/A N/A 26,000 N/A
General Practitioner (GP)   
(1 visit per day)
Full Cover
Specialist Practitioner (SP)  
(1 visit per day)
Full Cover
Max. Total No. of GP & SP Visits (per year) 30
Prescribed Medication (per year) 9,700
Diagnostic X-ray & Laboratory Tests (per year) 9,700
Bonesetter, Acupuncturist, and Chiropractor treatment 
  • for accidental injury
  • 1 visit per day up to 8 visits per year
500

Supplementary Major Medical Benefit

Maximum Limit per disability

105,000 210,000 315,000 630,000 N/A
Deductible per each claim 1,000 1,000 1,000 1,000
Reimbursement percentage 80% 80% 80% 80%

Dental Benefit

Maximum Limit per year

  • Scaling and polishing (Maximum 2 visits per year): 500 per visit
  • Routine oral examination
  • Intraoral X-ray and medications
  • Fillings and extractions
  • Drainage of dental abscesses
  • Pins for cusp restoration
  • Dentures, crowns and bridges (Only if necessitated by an accident)
2,600 2,600 2,600 2,600 2,600

Maternity Benefit (12-month waiting period)

Normal Delivery (per pregnancy)

32,000 32,000 32,000 32,000 32,000
Complicated Delivery (per pregnancy)
  • including miscarriage
32,000 32,000 32,000 64,000 32,000

Critical Illness Benefits

Standard Coverage: covers Critical Illnesses item (1) – (12)

Comprehensive Coverage: covers Critical Illnesses item (1) – (28)

Overall Maximum Limit for Critical Illness Benefit 250,000 500,000 500,000 500,000 250,000
Maximum Limit for Lady Benefit 50,000 100,000 100,000 100,000 50,000
Remarks

Lady Benefit is a rider benefit of Critical Illness Benefit and cannot be insured separately. Benefit paid for Lady Benefit will reduce the Overall Maximum Limit for Critical Illness Benefit.

All charges must be reasonable and customary

* Please note that the above table is a summary of benefits only. For more details, please refer to the policy provisions.

Premium

Type of Plan Premium (HK$)

Core Cover

Standard Plan

Excel Plan

Super Plan

Executive Plan

Medical Top Up Plan

Age Groups* (Years old)

Annual

Monthly

Annual

Monthly

Annual

Monthly

Annual

Monthly

Annual

Monthly

15 days to 6 3,078 285 5,076 470 8,640 800 14,580 1,350 1,512 140
7 - 17 2,754 255 4,590 425 7,506 695 12,798 1,185 1,296 120
18 - 30 3,888 360 6,642 615 10,314 955 15,984 1,480 1,836 170
31 - 40 4,644 430 7,938 735 12,258 1,135 19,116 1,770 2,214 205
41 - 50 6,102 565 10,638 985 15,984 1,480 23,976 2,220 2,754 255
51 - 60 9,018 835 15,174 1,405 22,626 2,095 33,426 3,095 3,888 360
61 - 70 14,526 1,345 24,840 2,300 36,450 3,375 53,028 4,910 6,426 595
71 - 80 18,198 1,685 30,888 2,860 45,252 4,190 65,880 6,100 N/A N/A
81 - 100 18,738 1,735 31,806 2,945 46,548 4,310 67,716 6,270 N/A N/A

Outpatient Services Benefit (Executive Plan) - (Optional Cover)

Age Groups (Years old)

Annual

Monthly

15 days to 6 9,990 925
7-17 9,990 925
18-30 9,342 865
31-40 10,854 1,005
41-50 11,610 1,075
51-60 14,418 1,335
61-70 18,900 1,750
71-80 24,570 2,275

Supplementary Major Medical Benefit

Standard Plan

Excel Plan

Super Plan

Executive Plan

Medical Top Up Plan

Age Groups* (Years old)

Annual

Monthly

Annual

Monthly

Annual

Monthly

Annual

Monthly

N/A
15 days to 6 918 85 1,512 140 2,592 240 4,374 405
7-17 810 75 1,404 130 2,268 210 3,834 355
18-30 1,188 110 2,052 190 3,132 290 4,914 455
31-40 1,404 130 2,430 225 3,726 345 5,832 540
41-50 1,782 165 3,132 290 4,698 435 7,074 655
51-60 2,700 250 4,482 415 6,642 615 9,882 915
61-70 4,212 390 7,182 665 10,530 975 15,336 1,420
71-80 5,238 485 8,910 825 13,068 1,210 19,062 1,765
81-100 5,400 500 9,234 855 13,446 1,245 19,602 1,815

Dental Benefit

All Plans

Age Groups (Years old)

Annual

Monthly

15 days or above 1,620 150

*Core Cover, Outpatient Service Benefit (Executive Plan) and Supplementary Major Medical Benefit: Renewal only at age 76 or above

^Important Note: 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 in this product proposal form are subject to levy.

Type of Plan Premium (HK$)

Maternity Benefit

Standard / Excel/ Super/ Medical Top Up Plan

Executive Plan

Age Groups (Years old)

Annual

Monthly

Annual

Monthly

18 - 49 8,154 755 9,018 835

Critical Illness Benefits: Standard Coverage

Standard Plan

Excel Plan

Super Plan

Executive Plan

Medical Top Up Plan

Age Groups# (Years old)

Annual

Monthly

Annual

Monthly

Annual

Monthly

Annual

Monthly

Annual

Monthly

15 days to 17 540 50 1,080 100 1,080 100 1,080 100 540 50
18-30 486 45 972 90 972 90 972 90 486 45
31-40 1,134 105 2,160 200 2,160 200 2,160 200 1,134 105
41-50 1,944 180 3,834 355 3,834 355 3,834 355 1,944 180
51-60 5,508 510 10,962 1,015 10,962 1,015 10,962 1,015 5,508 510
61-70 10,152 940 20,304 1,880 20,304 1,880 20,304 1,880 10,152 940
71-80 20,088 1,860 40,068 3,710 40,068 3,710 40,068 3,710 N/A N/A

Critical Illness Benefits: Comprehensive Coverage

Standard Plan

Excel Plan

Super Plan

Executive Plan

Medical Top Up Plan

Age Groups# (Years old)

Annual

Monthly

Annual

Monthly

Annual

Monthly

Annual

Monthly

Annual

Monthly

15 days to 17 756 70 1,512 140 1,512 140 1,512 140 756 70
18-30 702 65 1,350 125 1,350 125 1,350 125 702 65
31-40 1,566 145 3,078 285 3,078 285 3,078 285 1,566 145
41-50 2,700 250 5,400 500 5,400 500 5,400 500 2,700 250
51-60 7,722 715 15,336 1,420 15,336 1,420 15,336 1,420 7,722 715
61-70 14,256 1,320 28,404 2,630 28,404 2,630 28,404 2,630 14,256 1,320
71-80 28,080 2,600 56,052 5,190 56,052 5,190 56,052 5,190 N/A N/A

Lady Plan

Standard Plan

Excel Plan

Super Plan

Executive Plan

Medical Top Up Plan

Age Groups# (Years old)

Annual

Monthly

Annual

Monthly

Annual

Monthly

Annual

Monthly

Annual

Monthly

18-30 432 40 918 85 918 85 918 85 432 40
31-40 378 35 810 75 810 75 810 75 378 35
41-50 324 30 702 65 702 65 702 65 324 30
51-60 378 35 810 75 810 75 810 75 378 35
61-70 810 75 1,566 145 1,566 145 1,566 145 810 75
71-80 1,566 145 3,132 290 3,132 290 3,132 290 N/A N/A

# Critical Illness Benefits: Renewal only at age 60 or above

# Lady Plan: Renewal only at age 60 or above

^Important Note: 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 in this product proposal form are subject to levy

Major Exclusions

  1. Pre-existing conditions
  2. Routine medical check-ups and vaccinations
  3. Cosmetic surgery
  4. Dental treatment or oral surgery related to teeth (unless for restoration or replacement of sound natural teeth within 14 days of accident) not applicable to Dental Benefit.
  5. Convalescent care
  6. Pregnancy or childbirth (except as defined and covered under the Maternity Benefit, and not applicable to Critical Illness Benefit), infertility, contraception and sterilisation
  7. Congenital and hereditary conditions
  8. Mental and psychiatric disorders
  9. Elective overseas treatment for non-emergency medical conditions
  10. Participation in hazardous sports and pastime
  11. Hospital in-patient treatment for conditions which can be properly treated as an outpatient, includes hospitalisation primarily for diagnostic scanning, X-ray examinations or physiotherapy treatment

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