NCB Hospital Income Care Plan
Support you all the way against COVID-19

  • Extend double cash benefit to cover COVID-19

  • Comprehensive coverage of medical expenses benefit

  • No claim bonus

  • Apply now to enjoy up to 15% premium discount

  • Offer until 31 May 2024

Insurance Plan

  • Double benefit extended to cover COVID-19 with up to 100 days doubled up daily cash benefit

  • Flexible choice of three plans according to your protection needs

  • 30% Premium Refund on paid premium if no claim is made in 3 consecutive years

  • 24-hour worldwide medical evacuation and repatriation provides emergency assistant service


  • Up to 750 days hospital daily cash benefit as financial assistance, double and triple benefits for added protection

  • Comprehensive accidental medical expenses benefit (including general or specialist outpatient services, physiotherapist or chiropractor treatment, bonesetter or acupuncturist treatment)

  • Extended benefit cover minor surgical expenses (including hospital charges, doctor’s fee, surgeon fees, anaesthetist's fees and operating theatre fees)

NCB Hospital Income Care Plan – Brochure
NCB Hospital Income Care Plan – Policy wording
Important Notes:
  1. Applicant must be resident of Hong Kong and 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. 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.
  6. 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.
  7. Triple benefit applicable to Insured Person is confined for Public Transport Accident.
  8. Major exclusions apply: Pre-existing conditions, dental treatment, routine check-up, dangerous sports, pregnancy or childbirth, congenital and hereditary conditions etc.
  9. 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.
  10. 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.
  11. 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.
  12. Applicant has the rights toof return policy and for cancellation within 14 days after receipt of the policy.
  13. AEON Credit Service (ASIA) Co. Ltd ("AEON") is an insurance agent authorised by MSIG Insurance (Hong Kong) Limited.
  14. 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.
  15. 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.

Enrolment Offer:

  1. The promotion period is between 1 Mar 2024 and 31 May 2024 (both days inclusive) ("Promotion Period").
  2. Within Promotion Period, successful applicants of NCB Hospital Income Care Plan of MSIG Insurance (Hong Kong) Limited ("MSIG") who have submitted the contact information on MSIG's insurance designated website accessed through the website of AEON Credit Service (ASIA) Co. Ltd(“AEON”) or contact AEON MSIG Insurance Service Hotline directly; and receive a quotation from AEON MSIG Insurance Service Hotline is entitled to below discount offer:
    AEON Card Premium Credit Cardmember EnjoyAEON Credit Cardmember
    NCB Hospital Income Care Plan15% premium discount
    on the first year policy
    10% premium discount
    on the first year policy
  3. The premium discount for NCB Hospital Income Care Plan is only applicable to the first year premium of the policy.
  4. MSIG reserves the right to alter or terminate the promotional offers and/or amend the terms and conditions at any time without notice.
  5. 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 MSIG, which shall be final and binding.
  6. 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.

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