MediSure Plus

Important Note

1. Online application is only eligible for applicant and Insured Person who must be residents of Hong Kong aged between 18 and 45 and the usual country of residence is Hong Kong. 
2. Policy effective date is the first calendar day of the following month upon approval.
3. 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.
4. Surgeon Fee: According to surgical schedule and plan chosen.
5. DBS Bank (Hong Kong) Limited ("DBS", which expression includes its successors and assigns) is an insurance agent authorised by MSIG Insurance (Hong Kong) Limited.
6. Free Medical Service is provided by relevant suppliers. DBS and MSIG will not be responsible for the quality of the services offered by them. Redemption letter will be sent to the email address provided by customer during application by MSIG within 3 months after the policy inception date. Customers will not be entitled to the offer if they withdraw or terminate their policies during the first year of cover. MSIG reserves the right to deduct the value of offer from the customer's account in such cases.
7. Upon receipt of adequate prior notification of claim for Hospital in-patient treatment, 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.
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 deduced 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, otherwise MSIG reserves the right to decline any claims the Insured Person made.
10. 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. Collection of Levy on Insurance Premium : Insurance Authority (IA) has announced the collection of levy on insurance premium under the 'Insurance Ordinance' with effect from 1^st January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy.

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.

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