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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.
Limited Time Offer
Apply on or before 31 Dec 2024 to enjoy 15% off
(extra 10% off for annual payment customer) and MSIG$:
| Bonus Offer | |
| Plan | MSIG$ |
| Plan 1 | 1,000 |
| Plan 2 | 2,000 |
| Plan 3 | 3,000 |
Flexible Choice of Three Plans at Affordable Premium
NCB Healthcare Protection provides daily cash benefits and You can select from 3 different levels of benefits according to your protection needs. The plan also covers Surgical Expenses Benefit and Accidental Medical Expenses Benefit, so that you can concentrate on recovering with financial support. We offer protection anywhere in the world.
Daily Cash Benefit Gives Financial Assistance
If you are hospitalised, daily cash benefit of up to HK$1,500 for as long as 750 days*.
Double Benefit for Added Protection
If you are staying in an intensive care unit, having a major organ transplant, infectious diseases or undergoing treatment for major burns during your hospitalisation, the daily cash benefit will be doubled up for up to 100 days*.
Triple Benefit
The plan provides extra protection by tripling up the amount of daily cash benefit, if you are hospitalised due to bodily injury arising from traffic accident on board a public transport.
Extended Benefit cover minor Surgical Expenses
To provide you with better protection, the plan also covers surgical expenses during hospitalisation and outpatient treatment due to sickness or accident, including Hospital Charges, Doctor's Fee, Surgeon Fees, Anaesthetist's Fees and Operating Theatre Fees.
Comprehensive Coverage of Medical Expenses Benefit
The plan covers outpatient medical treatment expenses incurred resulting from bodily injury caused by accident, including General or Specialist Outpatient Services, Physiotherapist or Chiropractor Treatment, Bonesetter or Acupuncturist Treatment.
No Claim Refund
If no claim occurs during 36 consecutive months of the period of insurance, you shall enjoy a refund equivalent to 30% of the aggregate premium paid over these 36 consecutive months. The refund will be credited to the bank account provided by you at the time of policy enrolment within 120 days from the expiry date of the period of insurance.
Value-added services Worldwide Medical Evacuation and Repatriation
24-hour Worldwide Medical Evacuation and Repatriation in case of accident happened overseas.
*up to 30 days for hospitalisation in China.
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.
| Summary of Benefits | Maximum Benefit Limit (HK$) | |||
|---|---|---|---|---|
| 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: 1,000 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:
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 (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.
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
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 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.
