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.

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.

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.

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 www.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.

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. 

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 Cityplaza One, 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 or email to dpo@hk.msig-asia.com.

   
Special arrangement for MSIG Travel (Single Trip) insurance coverage in relation to COVID-19
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Latest Promotion - NCB Hospital Income Care Plan

NCB Hospital Income Care Plan

iCare Critical Illness (for Children)

Latest Promotion - NCB Hospital Income Care Plan
  • Promotion Details

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
  • Flexible choice of three plans according to your protection needs
  • Comprehensive coverage of medical expenses benefit
  • Extended benefit cover minor surgical expenses
  • Worldwide medical evacuation and repatriation provides emergency assistant service
icon1
Financial support during hospitalisation
Protect you against income loss during hospitalisation by providing daily cash benefit and also cover the medical and minor surgical expenses.
icon2
Double cash benefit
Up to 100 days doubled up daily cash benefit if you are staying in an intensive care unit, having a major organ transplant or infectious diseases (including COVID-19)
icon3
No Claim Bonus
30% premium refund on paid premium if no claim is made in 3 consecutive years

Limited Time Offer

Apply on or before 24 Sep 2020 to enjoy 15% off
(extra 10% off for annual payment customer) and select one of following rewards:


Asia Miles

HK$3 net premium spent = 1 Asia Miles #*

How to earn Asia Miles

MSIG$

Login for HK$1 net premium spent = MSIG$1*
Redeem your gift on MSIG mobile app

Loyalty Program | Reward Catalogue

# Asia Miles promotion cannot be used in conjunction with promo code and MSIG$ offer at the same time per policy.
* For monthly payment policies, Asia Miles and MSIG$ will only be rewarded for first month payment.

Terms and Conditions

NCB Hospital Income Care Plan
  • Product Features
  • Benefits Table
  • Premium
  • Major Exclusions

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 BenefitsMaximum Benefit Limit (HK$)
Plan 1Plan 2Plan 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-patientAdult: 1,000
Child: 500
Adult: 20,000
Child: 10,000
Adult: 30,000
Child: 15,000
- OutpatientAdult: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 yearAdult: 2,500
Child: 1,250
Adult: 5,000
Child: 2,500
Adult: 7,500
Child: 3,750
- per dayAdult: 250
Child: 125
Adult: 500
Child: 250
Adult: 750
Child: 375
24-hour Worldwide Medical Evacuation & Repatriation2,000,000

^up to 30 days for hospitalisation in China

Important Notes:

  1. Applicant must be resident of Hong Kong 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 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).
  4. Cover does not begin until the application has been accepted and premium received.
  5. 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.
  6. Triple benefit applicable to Insured Person confined for bodily injury arising from Public Transport Accident.
  7. Of the Daily Cash Benefit, Double Benefit and Triple Benefit, only one of them shall be paid per day.
  8. 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.
  9. 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.
  10. 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.
  11. 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
(As per policy effective day)
Premium (HK$)*
Plan 1Plan 2Plan 3
MonthlyAnnual^MonthlyAnnual^MonthlyAnnual^
15 days to 6 years1321,5842533,0363854,620
7 - 17 years1101,3202202,6403354,026
18 - 29 years1401,6802753,3304154,980
30 - 39 years1752,1003454,1405206,240
40 - 49 years2703,2405456,5408159,780
50 - 59 years4455,34089010,6801,33015,960
60 - 69 years#6507,8001,30015,6001,95023,400

* 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.

  • 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

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.

iCare Critical Illness (for Children)
  • Product Features
  • Premium
  • Major Exclusions

A lump sum benefit will be provided in the event of diagnosis any of the below 10 Juvenile Critical Illnesses or 26 Major Critical Illnesses.

  • Comprehensive critical illness plan
  • Tailored for children aged from 15 days to 17 years old
  • Cover 10 Juvenile Critical Illnesses such as severe asthma, autism and severe epilepsy
  • Cover 26 Critical Illnesses such as cancer, heart attack and stroke
Choice of PlanPlan APlan B
Maxmimum Benefit Amount (HK$)200,000100,000

Protection for 10 Juvenile Critical Illnesses:

  • Severe Asthma
  • Autism
  • Severe Haemophilia A and B
  • Insulin Dependent Diabetes Mellitus (Type I Diabetes Mellitus)
  • Kawasaki Disease with Heart Complication
  • Intellectual Impairment due to Sickness and/or Accidental Bodily Injury
  • Osteogenesis Imperfecta
  • Still's Disease
  • Rheumatic Fever with Valvular Impairment
  • Severe Epilepsy

Protection for 26 Major Critical Illnesses:

  • Cancer
  • Stroke
  • Heart Attack
  • Coronary Artery Bypass Surgery
  • Kidney Failure
  • Parkinson's Disease
  • Multiple Sclerosis
  • Motor Neurone Disease
  • Paralysis/Paraplegia
  • Loss of Hearing
  • HIV Resulting from Blood Transfusion
  • Aorta Surgery
  • Heart Valve Surgery
  • Major Organ Transplant(s)
  • Blindness
  • Coma
  • Loss of Speech
  • Major Burns
  • Benign Brain Tumour
  • Terminal Illness
  • Complete Liver Failure
  • Loss of Limbs
  • Muscular Dystrophy
  • Encephalitis
  • Accidental Head Injury Resulting in Major Head Trauma
  • Pulmonary Hypertension

Important Notes:

  1. Any pre-existing conditions shall be excluded from this policy.
  2. 75-day Waiting Period from the effective date of the insurance shall be applicable during which claims arising from any cause other than accident are not covered.

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 RangeAnnual Premium (HK$)
Plan APlan B
15 days to 17 years1,118598

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.

  • Pre-existing Conditions
  • Congenital anomalies
  • Illness occurred within waiting period of 75 days except due to accident
  • Taking part in any flying activity other than as a fare-paying passenger in a commercially licensed aircraft
  • Alcohol, solvent or drug abuse
  • Unreasonable failure to seek or follow medical advice
  • Participation of Hazardous sports or pastimes
  • Infection with Human Immuno-deficiency Virus (HIV) or conditions due to any Acquired Immune Deficiency Syndrome (AIDS) except as provided for in the "HIV Resulting from Blood Transfusion" benefit when such benefit is included in the Policy
  • Living outside the Usual Country of Residence for more than three consecutive months in any 12 months
  • Mental illness, psychiatric disorders, self-inflicted injury or suicide, sexually transmitted diseases

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.