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.

DISCLAIMER
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
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.

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.

PRIVACY POLICY

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.

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CarePlus Hospital Cash Insurance

NCB Hospital Income Care Plan

CarePlus Hospital Cash Insurance

Promotion
Benefits Table
Premium
Major Exclusions

CarePlus Hospital Cash Insurance

Unexpected medical expenses can place a heavy burden on you and your loved ones. CarePlus Hospital Cash Insurance gives you the confidence to cope with challenges. Our plan provides worldwide daily cash benefits tailored to your needs and offer financial support for a range of other situations.

Daily cash benefit of up to HK$1,500 per day if hospitalised anywhere in the world

Daily double cash benefit of up to HK$3,000 per day for stays in intensive care

Emergency outpatient benefit of up to HK$15,000 per year and HK$7,500 per accident

Covers hospital and surgical expenses for accidents overseas

Transportation/Hospital parking fee allowance when admitted or discharged

Companion bed allowance so a loved one can stay with you

Promotion

Premium Discount

From now until 31 Mar 2025, apply CarePlus Hospital Cash Insurance to enjoy 15% early bird discount

Family Plan Discount

Apply with your family and enjoy 25% premium discount
Protect yourself and your loved ones from unforeseen events, apply with your family and enjoy 25% discount on premium.

Offer Terms and Conditions

Summary of Benefits	Maximum Benefit Limit (HK$)
Summary of Benefits	Plan 1	Plan 2	Plan 3
Daily Cash Benefit Limit Per day Maximum 750 days per disability*	500	1,000	1,500
Double Benefit Limit Per day Maximum 30 days per disability^	1,000	2,000	3,000
Transportation/ Hospital Parking Allowance # Limit per admission or discharge	50	100	100
Companion Bed Allowance # Maximum 14 days	150	200	250
Emergency Outpatient Benefits for Accidents # Maximum limit per year Limit per accident	5,000 2,500	10,000 5,000	15,000 7,500
Overseas Accident Benefit	50,000	100,000	150,000

*up to 30 days for hospitalisation in China.
^up to 15 days for hospitalisation in China.
# Coverage applicable to Hong Kong only

Important Notes

Applicant must be resident of Hong Kong aged between 18 and 59.
This Policy is eligible for Insured Person(s) aged 15 days to 59 upon enrolment and it will be renewed up to age 70 automatically.
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).
If applicant would like to enroll for his/her family, family members must be enrolled into the same plan as the applicant.
Cover does not begin until the application has been accepted and premium received.
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.
Of the Daily Cash Benefit and Double Benefit, only one of them shall be paid per day.
During the insured period, insured person should not be involved in the following occupations: Actors/entertainers/stunt persons, aircrew members, police/armed forces personnel, or construction workers.
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.
The above insurance product is underwritten by MSIG. 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.

Age Group	Annual Premium (HK$)^
Age Group	Plan 1	Plan 2	Plan 3
15 days to 4 years	1,191	2,234	3,278
5-24 years	570	920	1,270
25-34 years	668	1,063	1,458
35-44 years	899	1,445	1,990
45-54 years	1,312	2,191	3,069
55-64 years#	2,165	3,787	5,409
65-70 years#	4,498	8,230	11,962

# Age group of 60 to 70 is applicable for renewal only.

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 1st 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.

Pre-existing conditions
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
Confinement or Treatment for Sickness contracted or commencing within 6 months from the commencement of Policy for the following Disabilities: Tuberculosis, Anal fistulae, Gall stones, Stones of kidney, urethra or urinary bladder, Hypertension or cardiovascular disease, Gastric or duodenal ulcer, Diabetes mellitus, Tumours or malignancies, Haemorrhoids, Disorders of tonsils requiring tonsillectomy, Disorders of nasal septum, sinus or turbinates, Hyperthyroidism, Cataracts, Prolapsed intervertebral disc or disc degeneration
Any surgery or treatment for circumcision before attaining the age of 12.
Vaccinations
Routine medical examinations or check-ups, routine eye or ear examinations
Dental Treatment
Treatment related to all endoscopy procedures
Any inpatient treatment provided in facilities primarily offering Chinese Medicine.
Rest cures and services or Treatment in any home, spa, hydro-clinic, sanatorium or long-term care facility that is not a Hospital as defined.
Congenital and hereditary conditions
Confinement as the donor of organ or tissue transplant
Mental or psychiatric disorders
Drug addiction or alcoholism
Suicide or self-inflicted injury
Cosmetic Surgery
Pregnancy, childbirth, birth control and treatment for infertility
Sexually transmitted disease and Acquired Immune Deficiency Syndrome (AIDS) treatment
Professional and hazardous sports
Treatment resulting from war or warlike operation, strike, riot and civil revolution
Claims initiated by members of the following occupations (whether on a full- time or parttime basis):

Stunt persons
Air Crew
Police or armed forces personnel
Construction worker

NCB Hospital Income Care Plan

Promotion
Benefits Table
Premium
Major Exclusions

NCB Hospital Income Care Plan

Protect you against income loss during hospitalisation by providing daily cash benefit and medical expenses coverage, so as to alleviate your financial pressures and let you focus on your recovery.

Up to HK$1,500 Daily cash benefit gives financial assistance for as long as 750 days
Double and triple daily cash benefits up to HK$4,500
30% premium refund on paid premium if no claim is made in 3 consecutive years
Comprehensive coverage of medical expenses benefit
Extended benefit cover minor surgical expenses
Worldwide medical evacuation and repatriation provides emergency assistant service

Promotion

Premium Discount

From now until 31 Mar 2025, apply NCB Hospital Income Care Plan to enjoy 25% premium discount

MSIG Member Loyalty Program

MSIG$ loyalty points
Sign up as members and apply to earn MSIG$. Download MSIGHK mobile app to redeem fabulous gifts with MSIG$ including e-coupons and Asia Miles.

Plan	MSIG$ Earning
Plan 1	1,000
Plan 2	2,000
Plan 3	3,000

MSIG Loyalty Program | Reward Catalogue

Offer Terms and Conditions

Summary of Benefits	Maximum Benefit Limit (HK$)
Summary of Benefits	Plan 1	Plan 2	Plan 3
Daily Cash Benefit - Up to 750 days^	Adult: 500 Child: 250	Adult: 1,000 Child: 500	Adult: 1,500 Child: 750
Double Benefit⁵ (per day) - Up to 100 days^	Adult: 1,000 Child: 500	Adult: 2,000 Child: 1,000	Adult: 3,000 Child: 1,500
Triple Benefit⁶ (per day) - Up to 100 days^	Adult: 1,500 Child: 750	Adult: 3,000 Child: 1,500	Adult: 4,500 Child: 2,250
Surgical Expenses Benefit (per year)
- In-patient	Adult: 10,000 Child: 500	Adult: 20,000 Child: 10,000	Adult: 30,000 Child: 15,000
- Outpatient	Adult:3,000 Child:1,500	Adult:4,000 Child:2,000	Adult:5,000 Child:2,500
Accidental Medical Expenses Benefit (General or Specialist Outpatient Services, Physiotherapist, Chiropractor, Bonesetter and Acupuncturist treatment expenses)
- per year	Adult: 2,500 Child: 1,250	Adult: 5,000 Child: 2,500	Adult: 7,500 Child: 3,750
- per day	Adult: 250 Child: 125	Adult: 500 Child: 250	Adult: 750 Child: 375
24-hour Worldwide Medical Evacuation & Repatriation	2,000,000

^up to 30 days for hospitalisation in China

Important Notes:

Applicant must be resident of Hong Kong aged between 18 and 59.
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.
Applicant can apply the plan online for his/herself or for unmarried child aged between 15 days and 17. Maximum benefit limit for children is 50% of the specified adult limit (not applicable to 24-hour Worldwide Medical Evacuation & Repatriation Benefit).
Cover does not begin until the application has been accepted and premium received.
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.
Triple benefit applicable to Insured Person confined for bodily injury arising from Public Transport Accident.
Of the Daily Cash Benefit, Double Benefit and Triple Benefit, only one of them shall be paid per day.
Online application is not applicable to Insured Person whose occupation involves slight manual work, manual work, or any excluded occupations listed under the policy wording.
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.
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.
The above insurance product is underwritten by MSIG. 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.

Age Group (As per policy effective day)	Premium (HK$)*
	Plan 1		Plan 2		Plan 3
	Monthly	Annual^	Monthly	Annual^	Monthly	Annual^
15 days to 6 years	132	1,584	253	3,036	385	4,620
7 - 17 years	110	1,320	220	2,640	335	4,026
18 - 29 years	140	1,680	275	3,330	415	4,980
30 - 39 years	175	2,100	345	4,140	520	6,240
40 - 49 years	270	3,240	545	6,540	815	9,780
50 - 59 years	445	5,340	890	10,680	1,330	15,960
60 - 69 years^#	650	7,800	1,300	15,600	1,950	23,400

* The premium is subject to quotation.
^ 10% premium discount will be applied to annual payment mode.
# Age group of 60 to 69 is applicable for renewal only.

Pre-existing conditions
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
Confinement or Treatment for Sickness contracted or commencing within 6 months from the commencement of Policy for the following Disabilities: Tuberculosis, Anal fistulae, Gall stones, Stones of kidney, urethra or urinary bladder, Hypertension or cardiovascular disease, Gastric or duodenal ulcer, Diabetes mellitus, Tumours or malignancies, Haemorrhoids, Disorders of tonsils requiring tonsillectomy, Disorders of nasal septum, sinus or turbinates, Hyperthyroidism, Cataracts, Prolapsed intervertebral disc or disc degeneration
Routine check-ups / vaccinations
Cosmetic surgery
Dental treatment
Convalescent care
Pregnancy, childbirth or miscarriage
Congenital and hereditary conditions
Mental or psychiatric disorders
Participation of hazardous sports and pastime