Insurance Plan
Guaranteed renewal up to age 100
International payment guarantee anytime anywhere, cashless hospitalization
Optional benefits tailored for your needs
Free Medical Preventive Service once per year1
Coverage
Full cover for major hospitalization expenses (such as miscellaneous hospital charges, in-hospital specialists, surgeons2, anaesthetists2 and operation theatre charges2)
Pre and post hospitalisation care for 30 days before admission and 90 days after discharge
Optional benefits including comprehensive Cover for 28 Critical Illnesses3, Lady Benefit Covering Critical Female Illnesses3, Outpatient Services Benefit, Supplementary Major Medical Benefit4, Dental Benefit, and Maternity Benefit5
More Details
Important Notes:
- Eligible Insured Person(s) must be living or working in Hong Kong.
- Applicant must be resident of Hong Kong and aged between 18 and 75.
- Applicant can apply the Plan with his/her legal spouse, parents, parents-in-law, and/or unmarried children aged between 15 days and 17 (full time students up to 23 years old).
- Policy effective date is the first calendar day of the following month upon approval.
- 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 deduced from the account provided by the Insured Person.
- Major exclusions apply: Pre-existing conditions, dental treatment, routine check-up, dangerous sports, pregnancy or childbirth, congenital and hereditary conditions etc.
- AEON Credit Service (ASIA) Co. Ltd("AEON") is an insurance agent authorised by MSIG Insurance (Hong Kong) Limited.
- 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.
- The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
- The promotion period shall run from 1 Apr 2024 to 30 Jun 2024 (both days inclusive) (the "Promotion Period").
- Within the Promotion Period, applicant of MediSure Plus of MSIG Insurance (Hong Kong) Limited ("MSIG") is entitled to 15% premium discount on the first policy year if all of the following conditions are fulfilled (“Eligible Customer”)：
- Is an AEON Credit Cardmember;
- Has submitted contact information on MSIG's designated website accessed through the website of AEON Credit Service (Asia) Co. Ltd(“AEON”) or contacted AEON MSIG Insurance Service Hotline directly; and
- Received a quotation and completed application for MediSure Plus via AEON MSIG Insurance Service Hotline.
Promotion Offer
- Eligible Customer can earn Mannings Coupon as gift when discounted annual premium exceeds HK$3,000. Mannings Coupon(s) will be rewarded in the relevant amount below depending on the annual premium amount paid:
Annual Premium Mannings Coupon value HK$3,000 - HK$4,999 HK$500 HK$5,000 - HK$7,999 HK$700 HK$8,000 - HK$9,999 HK$1,000 HK$10,000 or above HK$1,200 - Mannings Coupon(s) will be mailed to the Eligible Customers' address (as provided in the enrolment) within 90 days from the policy effective date of the MediSure Plus.
- Eligible Customer must have not cancelled the relevant insurance enrolments and/or policies at the time when the Mannings coupon mailed to Eligible Customer's address.
- The Mannings coupon(s) from the promotion are not transferrable, returnable and cannot be altered or redeemed for cash under any circumstances. Terms and conditions apply.
- Eligible Customer can earn Mannings Coupon as gift when discounted annual premium exceeds HK$3,000. Mannings Coupon(s) will be rewarded in the relevant amount below depending on the annual premium amount paid:
- These terms and conditions are related to the promotional offers only and no reference has been made to any MSIG insurance policy ("Policy") or any coverage or content. Customers are advised to read and understand the Policy before applying for the relevant insurance.
- AEON and MSIG reserve the right to vary or terminate the offers at any time and to amend the terms and conditions from time to time without prior notice.
- All matters or disputes in relation to the promotional offers and the interpretation of terms and conditions herein shall be subject to the decision of AEON and MSIG, which shall be final and binding.
- If there is any inconsistency or conflict between the English and the Chinese versions of these terms and conditions and any details of the promotional offers, the English version shall prevail.
Remarks:
- A redemption letter for the free medical preventive service will be sent together with the policy to each Insured Person (if applicable) by mail in 4 weeks of policy inception.
The redemption letter is non-transferable and cannot be exchanged for cash. - The maximum limit of surgeon fee for Standard Plan and Excel Plan should be according to surgical schedule up to HK$52,000 and HK$330,000 respectively. The maximum limit of Anesthetist fee and operation theatre for Standard Plan and Excel Plan are 35% of surgeon's fee payable.
Terms and Conditions for Critical Illness Benefit and Lady Benefit:
- Waiting period: 60 days
- Survival period: 21 days
- Age limit for insuring Critical Illness Benefit: 15 days - 59 years of age
- Age limit for insuring Lady Benefit: 18 - 59 years of age
- Age limit for renewal: 79 years of age
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:
- Lady Benefit is a rider of Critical Illness Benefit and cannot be insured separately.
- Lady Benefit paid will reduce the maximum limit of Critical Illness Benefit.
- Not applicable to Pre and Post-Hospitalisation Care and Post Operation and Cancer Treatment Recovery Benefit. HK$1,000 of deductible amount will applied to each claim.
- Optional Maternity Benefit is eligible for Insured Person aged 18 to 49 upon enrolment.