Terms of Use

Terms of Use
MSIG Insurance (Hong Kong) Limited ("MSIG", "we" or "us") would ask that you take the time to read these terms and conditions carefully. In case of discrepancies between the English and Chinese versions of this statement, the English version shall prevail.

MSIG has taken reasonable precautions to ensure that the information contained on this website is current, accurate and complete at the date of publication. The information contained on this site is provided for information only, and does not constitute an offer to sell. No representations or warranties are made (express or implied) as to the reliability, accuracy or completeness of such information.

MSIG makes no commitment, and disclaims any duty, to update or correct or to provide notice as to any error or omission to information contained on this site. MSIG cannot be held liable for any loss arising directly or indirectly from the use of, or any action taken in reliance on, any information appearing on this website.

No warranty is given that access to any information or materials on this website, or this website as a whole will be provided uninterrupted or free from errors, virus or other malicious, destructive or corrupting code, agent, program or macros.
Please note that there is no guarantee that any correspondence sent via email to or by MSIG will be received, or that the contents of the email will remain confidential during internet transmission.

Collection and Use of Non-Personal Information
We also collect non-personal information − data in a form that does not permit direct association with any specific individual. We may collect, use, transfer, and disclose non-personal information for any purpose, such as website traffic information that cannot be identified with a specific person. This information is aggregated and used to help us provide more useful information to our customers and to understand which parts of our website, products, and services are of most interest.

Cookies and Other Technologies
MSIG’s website, online services, interactive applications, SMS and email messages, may use “cookies” and other technologies such as “pixel tags”. These technologies help us better understand user behavior, facilitate website improvements, and measure the effectiveness of online advertisements. We treat information collected by cookies and other technologies as non-personal information, because the information is aggregated among all users and can no longer be identified to a specific individual. MSIG also use cookies and other technologies to personalize your experience with MSIG when using our website, applications, and online services. Cookies can be disabled directly from your internet browser, but please note that certain features of website may be unavailable once cookies are disabled.

Copyright in the whole and every part of this site be longs to or is licensed to MSIG, unless otherwise indicated, and may not be used, sold, licensed, copied or reproduced in whole or in part in any manner or form in or on any media to any person without prior consent of MSIG.

MSIG is the owner and proprietor of or has the right to use all the marks, whether services, trade marks or logos in this website. The use of these marks and icons by users of this website is forbidden. Any pictures or images displayed on this website belong to or are displayed by MSIG with permission of the owners of these pictures or images. The use by you of these pictures or images is strictly prohibited.

This website may be linked to other websites which are not maintained by MSIG. Such links are provided for your convenience and reference only and the inclusion of any hyperlink to any other website is not an endorsement or verification by MSIG of such website, its contents or its sponsoring organization, and such website should only be accessed at your own risk. Please read this information carefully. Your use of service(s) provided by this website is confirmation that you understand and agree to be bound by all these terms and conditions. MSIG reserves the right to change these terms and conditions from time to time.

Governing Law and Jurisdiction
By accessing this website and/or using the service offered through this website, you agree that such use is governed by the laws of the Hong Kong SAR and you agree to submit to the non-exclusive jurisdiction of the courts of Hong Kong SAR.

Data Security
Our website employs the 128-bit VeriSign Secure Socket Layer. All confidential online sessions between you and MSIG are protected up to a 128-bit encryption level. Encryption is a method of scrambling your information to protect its security during transmission across the Internet. Encryption transforms data into an unreadable form, and decryption reverses that process. Both encryption and decryption require the use of a special code, usually referred to as a key. The encryption of data provides a strong degree of protection against tampering while data is moving through the internet. Encryption protects your information against disclosure to third parties.

Privacy Policy

MSIG Insurance (Hong Kong) Limited ("MSIG", "we" or "us") would ask that you take the time to read these terms and conditions carefully. In case of discrepancies between the English and Chinese versions of this statement, the English version shall prevail.



MSIG takes your privacy very seriously. To ensure your personal information is secure, we communicate and enforce our privacy and security guidelines according to the relevant laws and regulations. MSIG takes precautions to safeguard your personal information against loss, theft, and misuse, as well as against unauthorised access, disclosure, alteration, and destruction. Furthermore, we will not sell your personal information to anyone for any purpose. MSIG imposes very strict sanction control and only authorised staff on a need-to-know basis are given access to or will handle your personal data, and we provide regular training to our staff to keep them abreast of any new developments in privacy laws and regulations.

We will only retain your personal data in our business records for as long as it is necessary for business and tax purposes as permitted by the laws. We will require our agent, contractor or third party who provides administrative or other services on our behalf to protect personal data they may receive in a manner consistent with this policy. We do not allow them to use such information for any other purpose. If you have any questions or inquiries regarding our privacy policy, please feel free to contact us.

We may amend this Privacy Policy at any time and for any reason. The updated version will be available by following the 'Privacy Policy' link on our website homepage at msig.com.hk. You should check the Privacy Policy regularly for changes.

Personal Information Collection Statement
Personal information is data that can be used to uniquely identify or contact a single person. As our customers, it is necessary from time to time for you to supply us with your personal data in relation to the general insurance services and products ("the Product") that we provide to you and in order for us to deliver and improve the customer service. This includes but not limited to the personal data contained in the proposal form or in any document in relation to the Product or any claim made under the Product.

Mobile Devices
With your consent, we may send you push notifications about your insurance plan when you use certain location-based services provided by this mobile application. The application will ask you to turn on the Location Service of your smartphone in order to determine your location, but it will not store your location.

Your personal data may be used for obligatory purpose or voluntary purpose. If personal data are to be used for an obligatory purpose, you MUST provide your personal data to MSIG if you want MSIG to provide the Product. Failure to supply such data for obligatory purpose may result in MSIG being unable to provide the Product.

The obligatory purposes for which your personal data may be used are as follows:-

  • processing and evaluating your insurance application and any future insurance application you may make;
  • our daily operation and administration of the services and facilities in relation to the Product provided to you;
  • variation, cancellation or renewal of the Product;
  • invoicing and collecting premiums and outstanding amounts from you;
  • assessing and processing claims in relation to the Product and any subsequent legal proceedings;
  • exercising any right of subrogation by us;
  • contacting you for any of the above purposes;
  • other ancillary purposes which are directly related to the above purposes;
  • complying with applicable laws, regulations or any industry codes or guidelines; and
  • detecting and preventing fraud (whether or not relating to the policy issued in respect of this application).

The voluntary purposes for which your personal data may be used are any sales, marketing, promotion of other general insurance services and products provided by MSIG. The personal data we intend to use for voluntary purposes are your name, your address, your phone number and email address. 

If you do not wish MSIG to use your personal data for the voluntary purposes listed above, you may notify us by writing to our Data Protection Officer at 9/F 1111 King’s Road, Taikoo Shing, Hong Kong. You may also notify us by filling in the General enquiry form. In your notification, you must identify yourself by providing us with your full name, HK ID number, contact number, together with your policy / certificate / acknowledgement number if you have one. (NOTE: The instruction will override all previous instructions relating to direct marketing that have been given to MSIG.)

If you wish to remove your membership registration data from this website or mobile application, you may notify us by writing to our Data Protection Officer at 9/F 1111 King’s Road, Taikoo Shing, Hong Kong. You may also notify us by filling in the General enquiry form. We will delete your data within 14 working days upon receiving your request.

In connection with any of the above purposes, the personal data that we have collected might be transferred to:

  • third party agents, contractors and advisors who provide administrative, communications, computer, payment, security or other services which assist us to carry out the above purposes (including medical service providers, emergency assistance service providers, telemarketers, mailing houses, IT service providers and data processors);
  • in the event of a claim, loss adjudicators, claims investigators and medical advisors;
  • reinsurers and reinsurance brokers;
  • your insurance broker;
  • our legal and professional advisors;
  • our related companies as defined in the Companies Ordinance;
  • the Hong Kong Federation of Insurers (or any similar association of insurance companies) and its members;
  • the Insurance Complaints Bureau and similar industry bodies;
  • government agencies and authorities as required or permitted by law;
  • fraud prevention organizations;
  • other insurance companies (whether directly or through fraud prevention organization or other persons named in this paragraph);
  • the police; and
  • databases or registers (and their operators) used by the insurance industry to analyse and check information provided against existing information.


In order to confirm the accuracy of your personal data, you agree to provide us with authorisation to access to and to verify any of your personal data with the information collected by any federation of insurance companies from the insurance industry.

Under the relevant laws and regulations, you have the right to request access to and to request correction of your personal data held by us. If you wish to exercise these rights, please write to our Data Protection Officer at 9/F, 1111 King's Road, Taikoo Shing, Hong Kong.

If you have any enquiries or require assistance with this Personal Information Collection Statement, please call us at +852 3122 6922.

MediSure Plus

MediSure Plus

Coupled with its full-cover features for major hospitalisation expenses, MSIG's MediSure Plus is specially designed to supplement your existing medical plan to give you comprehensive protection throughout your working life and into retirement.


Full Cover for Major Hospitalization Expenses

Major hospitalisation charges such as
  • miscellaneous hospital charges
  • in-hospital specialists
  • surgeons*
  • anaesthetists* and
  • operation theatre charges*

will be reimbursed in full, up to the annual maximum limit under Hospital and Related Services Benefit. It’s quite possible that you don’t have to pay a single dollar for hospitallsation.

*The maximum limit of surgeon fee for Excel Plan and Standard Plan should be according to surgical schedule up to HK$330,000 and HK$52,000 respectively.

*The maximum limit of Anesthetist fee and operation theatre for Excel Plan and Standard Plan are 35% of surgeon's fee payable.

Table of Benefits
( Effective from 1st October 2019)
Standard PlanExcel PlanSuper PlanExecutive PlanMedical Top Up Plan3
Maximum Benefits Payable (HK$)
(A) Overall Maximum Limit per Disability
Core Cover
Hospital & Related Services Benefit
Maximum Limit
• per year
Room & Board
• per day
(up to 120 days per disability)
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 of aged 17 or below
(up to 120 days per disability)
Full CoverFull CoverFull Cover
Intensive Care
• supplement to Room & Board
• per disability
16,000Full CoverFull CoverFull Cover
Miscellaneous Hospital Charge
• per disability
16,000Full CoverFull CoverFull Cover
Physician Fees
• per day
(up to 120 days per disability)
ln-hospital Specialists
• per disability
5,200Full CoverFull CoverFull Cover
Surgeon Fee1
• Complex
• Major
• Intermediate
• Minor
Full CoverFull Cover
Anaesthetist Fee
• per operation
35% of Surgeon Fee35% of Surgeon Fee
Operation Theatre
• per operation
35% of Surgeon Fee35% of Surgeon Fee
Pre-Admission Outpatient Visits
• 1 visit within 30 days before admission
1,350Full CoverFull CoverFull Cover
Post-Hospital Follow-up Treatment
• Follow-up treatment up to 3 visits within 90 days after discharge
Private Nursing
• per day
• per year up to 26 weeks
320Full CoverFull CoverFull Cover
Outpatient Chemotherapy/Radiotherapy/Kidney Dialysis17,000Full CoverFull CoverFull Cover
Post Operation and Cancer Treatment Recovery Benefit
- Per day
- Up to 5 visits per year for each of 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
•Reimbursement percentage










Day Surgery Allowance
• per operation
Public Hospital Cash Benefit
• per day
(up to 120 days per disability)
Lifetime Limit
• per person, applied at or above age 70
Increased International Cover Benefit (in excess of maximum limit per year for Hospital & Related Services Benefit)
Maximum Limit
• per year
Organ Transplantation Benefit
250,000500,000750,0001,500,00050% reimbursement for each eligible claim up to Maximum Limit per year
Maximum Limit
• per year and per disability
250,000500,000750,0001,500,00050% reimbursement for each eligible claim up to Maximum Limit per year
Additional Benefits
Free Medical Service at Appointed CentreOnce per YearOnce per YearOnce per YearOnce per YearOnce per Year
International Payment Guarantee2AvailableAvailableAvailableAvailableN/A
24-hour International Emergency AssistanceAvailableAvailableAvailableAvailableAvailable
Emergency Evacuation & Repatriation
• per year and per disability
Free Travel Personal Accident
• per year and per accident
Job Changer Hospital Benefit4
• per year
1According to surgical schedule and plan chosen.
2Upon 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.
3The 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.
4Waiting 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.


More Benefits to Give Extra Protection

Pre-and post-hospitalisation care of up to 120 days
full cover of hospital benefits extends to two medically necessary pre-hospital diagnostic outpatient visit within 30 days before admission and post-hospital follow-up treatment within 90 days after discharge
Full cover for chemotherapy, targeted therapy, radiotherapy or renal dialysis at a hospital
up to the maximum limit of Hospital and Related Services Benefit, irrespective of whether such treatment is received on in-patient or out-patient basis
International Payment Guarantee
no need to pay cash upfront. All bills may be settled when you’re discharged
Free Medical Preventive Service Once a Year#
#Remarks for free medical preventive service offer:
    • 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.
Table of Benefits
( Effective from 1st October 2019)
Standard PlanExcel PlanSuper PlanExecutive PlanMedical Top Up Plan3
Maximum Benefits Payable (HK$)
Optional Cover
Outpatient Services Benefit
Maximum Limit
• per year
General Practitioner (GP)
• 1 visit per day
N/AN/AN/AFull CoverN/A
Specialist Practitioner (SP)
• 1 visit per day
N/AN/AN/AFull CoverN/A
Max. Total No. of GP & SP Visits
• per year
N/AN/AN/A30 VisitsN/A
Prescribed Medication
• per year
Diagnostic X-ray & Laboratory Tests
• per year
Bonsetter, Acupuncturist, and Chiropractor treatment
• for accidental injury
• 1 visit per day up to 8 visits per year
Maternity Benefit (12-month waiting period)1
Normal Delivery
• per pregnancy
Complicated Delivery
• per pregnancy, including miscarriage
1Optional Maternity Benefit is eligible for Insured Person aged 18 to 49 upon enrolment.


Optional Benefits

Comprehensive Cover for 28 Critical Illnesses^
      1. Cancer (spread of malignant cell)
      2. Stroke (permanent neurological damage)
      3. Heart attack
      4. Coronary artery-bypass surgery
      5. End stage liver failure
      6. End stage kidney failure
      7. Major organ transplant(s)
      8. Motor neurone disease
      9. Loss of hearing (both ears)
      10. Blindness (both eyes)
      11. Major burns
      12. Coma
      13. Parkinson’s Disease
      14. Multiple Sclerosis
      15. Paralysis/Paraplegia
      16. Loss of Independent Existence
      17. HIV Resulting from Blood Transfusion
      18. Aorta Surgery
      19. Heart Valve Surgery
      20. Alzheimer’s Disease
      21. Loss of Speech
      22. Benign Brain Tumor
      23. Terminal Illness
      24. Loss of Limbs
      25. Muscular Dystrophy
      26. Encephalitis
      27. Accidental Head Injury Resulting in Major Head Trauma
      28. Pulmonary Hypertension
Lady Benefit Covering Critical Female Illnesses^#
  • Female specific cancers in situation
    • Breast
    • Vagina / vulva
    • Fallopian tube
    • Uterus
    • Cervix (CIN Ill or above)
    • Ovary
  • Female Illnesses
    • Rheumatoid arthritis
    • Osteoporosis leading to hip fractures
    • Systemic lupus erythematosus (SLE) with lupus nephritis
Outpatient Services Benefit
Supplementary Major Medical Benefit
    Dental Benefit
      Maternity Benefit
        ^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 - 15 days - 59 years of age for Critical Illness
        4. Age limit for renewal - 79 years of age
        5. If you suffer from one of the listed critical illnesses or one of the female illnesses named above and are entitled to a cash benefit as stated in the maximum limit, once the full amount of the maximum limit is paid, your Critical Illness Benefit will be terminated but you can still enjoy the protection of lifelong medical cover.

        #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.
        3. Age limit for insuring - 18 - 59 years of age for Lady Benefit.
        Table of Benefits
        ( Effective from 1st October 2019)
        Standard PlanExcel PlanSuper PlanExecutive PlanMedical Top Up Plan3
        Maximum Benefits Payable (HK$)
        Supplementary Major Medical Benefit1
        Applicable after the Section. A (Hospital & Related Services Benefits) is exhausted
        Maximum Limit per disability
        Reimbursement percentage
        Dental Benefit
        Maximum Limit per year
        • Scaling and polishing (Maximum 2 visits per year): HK$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)
        Critical Illness Benefits
        Standard Coverage: covers Critical Illnesses item (1) – (12)
        Comprehensive Coverage: covers Critical Illnesses item (1) – (28)
        Overall Maximum Limit for Critical Illnesses Benefit
        Critical illness Benefit
        Lady Benefit (if applicable)
        Terms and Conditions for Optional Supplementary Major Medical 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.


        Guaranteed renewal up to age 100#

        MediSure Plus offers you comprehensive medical and hospitalisation cover with guaranteed renewal*.
        When your existing medical insurance ceases or you reach retirement age, you can remove the annual deductible and resume full core cover at your discretion upon policy renewal.

        # Subject to conditions:
        * Maternity Benefits will be renewed up to age 49.
        * Critical Illness Benefits and Lady Benefits will be renewed up to age 79.
        * Medical Top Up Plan is renewed up to the age of 69 and can be switched to Standard Plan upon the age of 70 without re-underwriting.


        Save More Than 65% Premium

        To suit your personal needs, our deductible options provide a premium discount up to a maximum of 65%. In addition, another 10% discount will be offered if you and your family** enrol together.

        Annual Aggregate Deductible Amount***Discount Applied on Premium of Core Cover
        Per person (HK$)Excel PlanSuper PlanExecutive Plan
        **Family refers to legal spouse, parents, parents-in-law and/or your unmarried dependent children from 15 days to aged 18, or up to aged 23 if they are full-time students.
        ***The annual aggregate deductible amount applies to core cover only, all other benefits remain unchanged.


        Contact Us

        Call Us Now At
        3122 6922
        Call and consult our
        Customer Services Operator now.
        # Remarks for free medical preventive service offer:
        1. Our Customer Service Hotline office hour is 9:00am to 5:30pm, Monday to Friday (Exclude Public Holidays).
        2. If there is Tropical Cyclone Warning Signal No.8 or above or Black Rainstorm Signal, our Customer Service Officer will contact you in the next working day.