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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.

 

Accident & Health Insurance

Extra Offers
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Family Personal Protector Promotion

Family Personal Protector 2.0

iCare Promotion

iCare Critical Illness (for Children)

Family Personal Protector Promotion
  • Family Personal Protector Promotion

Family Personal Protector 2.0 Insurance Offer
Offer Period:From now until 26 Sep 2019

Apply for MSIG Family Personal Protection 2.0 within the offer period. Enjoy special discounts 30% Off and

Get 2 extra Häagen-Dazs single scoop ice-cream e-Vouchers

- Or -

Input「Asiamiles」membership no. to earn miles#

Family Plan only $1.7/day



No matter how many children you have, the same premium you have to pay!

*Calculated by a family of four, only $1.7 per person per day!

Extra indemnity for general holidays, no need to worry about the accidents during sports game with your families.


Special 5% discount for couples



Accidents can happen anytime, anywhere. Protect you and your loved one against the financial stress.

Get cover not only yourself but also your loved one. Only $771 /person

Medical expenses extended for small-scale accidents, physiotherapist, chiropractor, bonesetter and acupuncturist treatment can be covered too.


Key Features
  • Comprehensive personal accident protection for you and your family with worldwide personal accident coverage up to HK$1,000,000
  • Extended medical expenses for treatments that involve physiotherapist, chiropractor, bonesetter and acupuncturist, offering you greater flexibility in choosing your preferred medical services
  • Hong Kong's first personal accident product offering triple indemnity on accidental death benefit if travelling on public transport in the event of accidents anywhere in the Greater Bay Area
  • Family plan covers up to 8 children in same premium
  • Extra indemnity for general holidays in Hong Kong and extra benefits on accidental cosmetic surgery expenses

How to earn Asia Miles
#Asia Miles promotion cannot be used with other promo-code promotions or MSIG$ promotion at the same time per policy.

Simple Application

Cost effective
Reasonable pricing with no agency commission charge

Convenient
Real-time quote and application on mobile or desktop, get insured in 3 minutes

Flexible
Optional benefits including extra protection to your sports equipment, upgrade in rental vehicle excess, and accommodation to your pet

msig mobile app launch

Promotion terms and conditions

Family Personal Protector 2.0
  • Product Features
  • Benefits Table
  • Premium
  • Major Exclusions
Protection when and where you need it
    • Worldwide Personal Accident Coverage for Accidental Death or Permanent Disablement up to HK$1,000,000
    • Hong Kong's first personal accident product offering triple indemnity on accidental death benefit if travelling on public transport in the event of accidents anywhere in the Greater Bay Area
    • Accidental Death and Permanent Disablement Benefit is extended to cover third degree burns
    • Covers medical expenses of up to HK$20,000 per accident
    • Extended medical expenses for treatments that involve physiotherapist, chiropractor, bonesetter or acupuncturist
    • Provides up to HK$1,000,000 Personal Liability Protection
    • Family plan cover up to 8 children from 6 months to 17 years old in same premium

Extra benefits
    • Extra indemnity for general holidays in Hong Kong
    • Hospital Confinement Allowance up to 52 weeks
    • Trauma counselling expenses of up to HK$5,000 per year
    • Accidental Cosmetic Surgery Expenses up to HK$20,000 per accident

Important Notes:
      1. Any pre-existing conditions shall be excluded from the policy.
      2. Insured Person(s) must be between 18 and 59 years of age (both inclusive) as parents and between 6 months and 17 years of age (both inclusive) as child(ren) under the Family Plan; between 18 and 59 years of age (both inclusive) under Plan A or B. The policy may be renewed from year to year by mutual agreement between you and MSIG Insurance (Hong Kong) Limited (“the Company”) but in any case shall terminate at the end of the period of insurance during which the Insured Person attains the age of 60. Thereafter, the Company may accept further renewal of the policy at our own discretion.
      3. Family Plan is only applicable to a legally married couple and their child(ren) from 6 months to 17 years of age.
      4. If you are insured under a Family Plan, the maximum amount we will pay for all of Insured Persons below 18 years of age under Death Benefit, Permanent Disablement Benefit and Extra Benefits of Double Indemnity/Triple Indemnity is limited to HK$500,000 for the Period of Insurance.
      5. If you are insured under a Family Plan, the maximum amount We will pay for all of Insured Persons below 18 years of age under Medical Expenses Benefit is limited to HK$10,000 for the Period of Insurance.
      6. The Guangdong-Hong Kong-Macao Greater Bay Area (Greater Bay Area) comprises the two Special Administrative Regions of Hong Kong and Macao, and the nine municipalities of Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen and Zhaoqing in Guangdong Province.
      7. The policy is applicable only to Insured Person whose occupation falls under Class I/Clerical occupation (i.e. Professional, administrative and clerical duties of an indoor nature and without the involvement of any manual works, such as lawyer, accountant, teacher, doctor, nurse, etc.) or Class II/Non-manual work occupation (i.e. involving non-manual work other than those included in Class I/Clerical occupation, work either indoor or outdoor, such as indoor or outdoor sales representative, social worker, etc.)
      8. The policy does not cover the Insured Person at any time during the existence of the policy engaging in Occupation Class III / Slight-Manual Work occupation (unless not involving the use of machinery or engine), Occupation Class IV / Manual Work occupation or any of the listed occupations under General Exceptions in the policy. For details, please refer to the policy wording.
      9. You must advise the Company in writing as soon as You are aware of any change in the employment, occupation, duties or pursuits of any insured person, or any other change which may increase the possibility of a claim under this Policy. You may be required to pay additional premium as a result of any such changes.
      10. If the Insured Person’s revised occupation falls within the excluded occupations listed under General Exceptions of the policy, then the cover for that Insured Person shall be cancelled as from the date of such change of occupation.
      11. Permanent Disablement Benefit will be reimbursed in accordance with the percentage of maximum indemnity under the table of Permanent Disablement Benefit stated in the policy.
      12. Major Burns Benefit will be reimbursed in accordance with the percentage of maximum indemnity under the table of Major Burns Benefits stated in the policy.
      13. In the event of the bodily injury results in death of the Insured Person, the benefits shall be paid to the estate of the Insured Person (default Beneficiary). For the designation of Beneficiary, please complete the Beneficiary Form, click here or download from msig.com.hk, and submit it to the Company.
      14. 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 inconsistency between the English and Chinese versions of any of the above details, the English version shall prevail.
Plans
Maximum Benefits Payable Per Policy Year (HK$)
Adult Plan A
Adult Plan B
Family Plan A
Parent
Child(ren)
Age (Attained Age)
18 - 59
18 - 59
18 - 59
6 months - 17
Personal Accident
Accidental Death

Compensation is payable if the death takes place within 12 months after the accident.
$500,000 $1,000,000 $500,000 Each Child
$100,000
All Children
$500,000
Permanent Disablement

Compensation is payable if the disablement has continued for a period of 12 months from the date of accident and will in all probability continue for the remainder of the life.
$500,000 $1,000,000 $500,000 Each Child
$100,000
All Children
$500,000
Double Indemnity

Accidental Death Benefit will be doubled if the accident happened whilst travelling on a public transport conveyance as a fare-paying passenger anywhere other than in the Greater Bay Area.
Up to $500,000 Up to $1,000,000 Up to $500,000 Each Child up to
$100,000
All Children
$500,000
Triple Indemnity

Accidental Death Benefit will be tripled if the accident happened whilst travelling on a public transport conveyance as a fare-paying passenger anywhere in the Greater Bay Area.
Up to $1,000,000 Up to $2,000,000 Up to $1,000,000 Each Child
Up to $200,000
All Children
$500,000
Medical Expenses (per accident)

Covers medical, surgical, hospital, nursing home and nursing fees or charges necessarily and reasonably incurred
$10,000 $20,000 $10,000 Each Child
$2,500
All Children
$10,000
Personal Liability
Personal Liability

Covers any claim against you if you are legally liable to pay as compensation for accidents which happen within Hong Kong and result in third party bodily injury or property damage
$500,000 $1,000,000 $500,000 All Children
$500,000
Extra Benefits
Major Burns

Covers 3rd degree burns
$250,000 $500,000 $250,000 $50,000
Extra Indemnity for General Holiday

Extra indemnity if the bodily injury is suffered during general holiday in Hong Kong.
$25,000 $50,000 $25,000 $25,000
Funeral and Cremation Expenses

Covers the funeral and cremation cost incurred in Hong Kong, following the accidental death.
$25,000 $25,000 $25,000 $25,000
Trauma Counselling Expenses

Covers the medical fees if the insured person diagnosed to be suffering from post-traumatic stress disorder as a direct result of sustaining bodily injury.
$5,000 $5,000 $5,000 $5,000
Bereavement Counselling Expenses

Covers the medical fees if the insured person’s immediate family members suffering from depression as a direct result of death of the insured person
$5,000 $5,000 $5,000 $5,000
Physiotherapist, Chiropractor, Bonesetter & Acupuncturist Treatment Expenses

Covers the necessary and reasonable expenses incurred in respect of physiotherapist, chiropractor, bonesetter, or acupuncturist treatments
(Max. 1 visit per day and 5 visits per accident)
$2,500 $2,500 $2,500 $2,500
  • Physiotherapy & chiropractor treatment
$500 / visit $500 / visit $500 / visit $500 / visit
  • Bonesetter & acupuncturist treatment
$200 / visit $200 / visit $200 / visit $200 / visit
Clothing and Personal Effects Damage Compensation

Covers clothing and personal effects which are damaged in the same accident
$2,000 / accident $2,000 / accident $2,000 / accident $2,000 / accident
Hospital Confinement Allowance

A weekly benefit will be provided for the insured person being confined in hospital for treatment of bodily injury
$500 / week
Max. 52 weeks
$500 / week
Max. 52 weeks
$500 / week
Max. 52 weeks
$500 / week
Max. 52 weeks
Accidental Cosmetic Surgery Expenses

Covers any medically necessary accidental cosmetic surgery
$20,000 / accident $20,000 / accident $20,000 / accident Not Applicable



Important Notes:
      1. Any pre-existing conditions shall be excluded from the policy.
      2. Insured Person(s) must be between 18 and 59 years of age (both inclusive) as parents and between 6 months and 17 years of age (both inclusive) as child(ren) under the Family Plan; between 18 and 59 years of age (both inclusive) under Plan A or B. The policy may be renewed from year to year by mutual agreement between you and MSIG Insurance (Hong Kong) Limited (“the Company”) but in any case shall terminate at the end of the period of insurance during which the Insured Person attains the age of 60. Thereafter, the Company may accept further renewal of the policy at our own discretion.
      3. Family Plan is only applicable to a legally married couple and their child(ren) from 6 months to 17 years of age.
      4. If you are insured under a Family Plan, the maximum amount we will pay for all of Insured Persons below 18 years of age under Death Benefit, Permanent Disablement Benefit and Extra Benefits of Double Indemnity/Triple Indemnity is limited to HK$500,000 for the Period of Insurance.
      5. If you are insured under a Family Plan, the maximum amount We will pay for all of Insured Persons below 18 years of age under Medical Expenses Benefit is limited to HK$10,000 for the Period of Insurance.
      6. The Guangdong-Hong Kong-Macao Greater Bay Area (Greater Bay Area) comprises the two Special Administrative Regions of Hong Kong and Macao, and the nine municipalities of Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen and Zhaoqing in Guangdong Province.
      7. The policy is applicable only to Insured Person whose occupation falls under Class I/Clerical occupation (i.e. Professional, administrative and clerical duties of an indoor nature and without the involvement of any manual works, such as lawyer, accountant, teacher, doctor, nurse, etc.) or Class II/Non-manual work occupation (i.e. involving non-manual work other than those included in Class I/Clerical occupation, work either indoor or outdoor, such as indoor or outdoor sales representative, social worker, etc.)
      8. The policy does not cover the Insured Person at any time during the existence of the policy engaging in Occupation Class III / Slight-Manual Work occupation (unless not involving the use of machinery or engine), Occupation Class IV / Manual Work occupation or any of the listed occupations under General Exceptions in the policy. For details, please refer to the policy wording.
      9. You must advise the Company in writing as soon as You are aware of any change in the employment, occupation, duties or pursuits of any insured person, or any other change which may increase the possibility of a claim under this Policy. You may be required to pay additional premium as a result of any such changes.
      10. If the Insured Person’s revised occupation falls within the excluded occupations listed under General Exceptions of the policy, then the cover for that Insured Person shall be cancelled as from the date of such change of occupation.
      11. Permanent Disablement Benefit will be reimbursed in accordance with the percentage of maximum indemnity under the table of Permanent Disablement Benefit stated in the policy.
      12. Major Burns Benefit will be reimbursed in accordance with the percentage of maximum indemnity under the table of Major Burns Benefits stated in the policy.
      13. In the event of the bodily injury results in death of the Insured Person, the benefits shall be paid to the estate of the Insured Person (default Beneficiary). For the designation of Beneficiary, please complete the Beneficiary Form, click here or download from msig.com.hk, and submit it to the Company.
      14. 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 inconsistency between the English and Chinese versions of any of the above details, the English version shall prevail.
Plans 
Adult Plan A Adult Plan B Family Plan A*
#Annual Premium (HK$) 1,185 2,310 3,440

*Remarks: Family Plan cover is only applicable to a legally married couple and any number of your child(ren) from 6 months to 17 years of age.
#The premium amounts are subject to levy which is collected by the Insurance Authority.

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 inconsistency between the English and Chinese versions of any of the above details, the English version shall prevail.
  • War and terrorism
  • Suicide
  • Intentional self-inflicted injury
  • Professional sports
  • Employment in police force, army, fire service or security guard service
  • Non-scheduled air flights
  • Sickness or disease (e.g. infectious diseases)
  • Childbirth or pregnancy
  • Nuclear weapons
  • Radioactive contamination
  • Occupations listed under General Exceptions of the Policy

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 inconsistency between the English and Chinese versions of any of the above details, the English version shall prevail.
iCare Promotion
  • iCare Promotion

iCare Critical Illness (for Children) Offer
Offer Period:From now until 26 Sep 2019
Key Benefits:
  • Total protection
  • Tailored for children (15 days to 17 years old)
  • Maximum benefit $200,000
  • Lump sum benefit

Apply for MSIG iCare Critical Illness (for Children) within the offer period. Enjoy special discounts 30% Off and

Login to earn

MSIG$1 with every $1 premium

- Or -

Input「Asiamiles」membership no. to earn miles#

How to earn Asia Miles
#Asia Miles promotion cannot be used with other promo-code promotions or MSIG$ promotion at the same time per policy.

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.
Juvenile Critical Illnesses 26 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
  • 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

Simple Application

Cost effective
Reasonable pricing with no agency commission charge

Convenient
Real-time quote and application on mobile or desktop, get insured in 3 minutes

Flexible
Optional benefits including extra protection to your sports equipment, upgrade in rental vehicle excess, and accommodation to your pet

msig mobile app launch

Promotion terms and conditions

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

Important Notes:
  1. Any pre-existing conditions shall be excluded from the 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.
  3. 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.
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
Choice of Plan Plan A Plan B
Maxmimum Benefit Amount (HK$)
200,000 100,000
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.
  3. 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.
 
Plan A Plan B
Benefit Amount (HK$)
200,000 100,000
Age Range 15 days to 17 year old
Annual Premium (HK$) 1,118 598
  • 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 is a summary of Major Exclusions only. For details, please refer to policy provisions.

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.