MediSure Pro
Medisure Pro
MediSure Pro is a tailored, flexible medical protection plan that gives you the freedom to live your life the way you want. Under this plan, you will receive coverages for many conditions such as hospitalisation and treatments, as well as a No Claim Discount Benefit and a range of optional extra benefits. So make the most of your future, safe in the knowledge that your wellbeing is protected by MediSure Pro.

 

Reimburse major hospitalisation changes

We want you to focus on your recovery, so we will reimburse a range of major hospitalisation charges to give you peace of mind about those big expenses.
  • Hospital accommodation
  • In-patient specialists
  • Surgeons fees
  • Intensive care unit fees
  • Anaesthetists fees
  • Operation theatre charges
Benefits Table
(With effect from 1 February 2020)
Gold PlanDiamond PlanMedical Top Up Plan1
Maximum Benefits Payable (HK$)
Overall Maximum Limit per Disability
250,000500,000N/A
Core Benefits
(A) Hospital & Related Services Benefit
Maximum Limit
• per year
250,000500,000250,000
Room & Board
• per day
1,1501,950
50% reimbursement for each eligible claim up to Maximum Limit per year








Accompany Bed
• an extra charge for one adult family member to accompany a children aged 17 or below during hospitalisation
Full CoverFull Cover
Intensive Care
• supplement to Room & Board
Full CoverFull Cover
Miscellaneous Hospital Charge
(Covers prescribed diagnostic imaging tests)#
• per disability
Full CoverFull Cover
Physician Fees
• per day
1,1501,950
ln-hospital Specialists Fees
• per disability
Full CoverFull Cover
Surgeon Fee
• per operation
• Complex
• Major
• Intermediate
• Minor
165,000
82,500
41,250
16,500
320,000
160,000
80,000
32,000
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 and Post-Hospital Follow-up Treatments
• 1 visit within 30 days before admission

• 3 follow-up treatments within 90 days after discharge

Full CoverFull Cover
Private Nursing
• up to 26 weeks per year
Full CoverFull Cover
Outpatient Chemotherapy / Radiotherapy / Targeted Therapy / Immunotherapy / Hormonal Therapy / Kidney Dialysis Treatment
• per disability
Full CoverFull Cover
Organ Transplantation Benefit
• per year and per disability
250,000500,000
Day Surgery Allowance
• per operation
1,0001,0001,000
Public Hospital Cash Benefit
• per day
1,0001,5001,000
Second Claim Benefit
• per claim
1,0001,0001,000

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





420



80%




630



80%




420



50%
Lifetime Limit
• per person, applied at or above age 70
1,000,0002,000,000N/A
(B) Additional Benefits
Free Medical Service at Appointed CentreOnce per YearOnce per YearOnce per Year
International Payment Guarantee3AvailableAvailableN/A
24-hour International Emergency AssistanceAvailableAvailableAvailable
Job Changer Hospital Benefit2
• per year
N/A

N/A

26,000

Remarks:

1 The insured person should be covered by a valid hospital & surgical insurance policy at the time of hospital confinement or treatment; otherwise the benefit of Top Up Plan will become invalid.

2 Waiting period: 90 days from the effective date of Medical Top Up Plan. Maximum period of coverage: within the first 120 days from the date of termination of employment. The Insured Person has to provide proof of termination of employment upon submission of claim.

Upon 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.

# Prescribed diagnostic imaging tests : computer tomography (“CT” scan), magnetic resonance imaging (“MRI” scan), positron emission tomography (“PET” scan), PET-CT combined and PET-MRI combined

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 product factsheet and 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.


 

Enhance Protection with Extra Benefits

Care Before and After Your Hospital Stay

Enjoy cover as an outpatient for pre and post-hospital treatment.

Full Cover for a Range of Common Outpatient Treatments

Your cover includes Chemotherapy, Radiotherapy, Targeted Therapy, Immunotherapy, Hormonal Therapy and Kidney Dialysis Treatment at a hospital, regardless of whether you are treated as a registered in-patient or outpatient.

Global Hospitalisation Payment Guarantee

No matter where you are in the world, we will issue payment guarantees and/or arrange direct settlement to the hospital to ease your worries.

Yearly Free Medical Service

Under MediSure Pro, you can have a free medical check-up once per year so you can identify any health issues before they develop into something more serious.


 

Optional Benefits

Covererage for up to 28 types of Critical Illness:
      1. Cancer (spread of malignant cells)
      2. Stroke (permanent neurological damage)
      3. Heart attack
      4. Coronary artery-bypass surgery
      5. Complete liver failure (end-stage liver failure)
      6. Kidney failure (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
Optional Lady Care Benefit covers:
  • Female specific cancers in situ
    • Breast
    • Fallopian tube
    • Cervix (CIN Ill or above)
    • Vagina / Vulva
    • Uterus
    • Ovary
  • Female Illnesses
    • Rheumatoid arthritis
    • Osteoporosis leading to hip fractures
    • Systemic lupus erythematosus (SLE) with lupus nephritis
Supplementary Major Medical Benefit
    Dental Benefit
      Maternity Benefit
        Benefits Table
        (With effect from 1 February 2020)
        Gold PlanDiamond PlanMedical Top Up Plan1
        Maximum Benefits Payable (HK$)
        (C) Supplementary Major Medical Benefit
        Applicable after the Core Cover (A) Hospital & Related Services Benefit is exhausted
        Maximum Limit per disability
        105,000210,000N/A
        Deductible per claim
        1,0001,000N/A
        Reimbursement percentage
        80%80%N/A
        (D) Dental Benefit
        Maximum Limit per year
        • Scaling and polishing (Maximum 2 visits per Contract Year): 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)
        2,6002,6002,600
        (E) Maternity Benefit (12-month waiting period)
        Normal Delivery
        • per pregnancy
        32,00032,00032,000
        Complicated Delivery (including miscarriage)
        • per pregnancy
        32,00032,00032,000
        (F) Serious Illness Benefit
        Standard Plan: covers Critical Illnesses item (1) – (12)
        Comprehensive Plan: covers Critical Illnesses item (1) – (28)
        Overall Maximum Limit for Serious Illness Benefit
        250,000500,000250,000
        Maximum Limit for Optional Lady Care Benefit^
        50,000100,00050,000

        ^Lady Care Benefit is a rider benefit of Serious Illness Benefit and cannot be insured separately. Benefit paid for Lady Care Benefit will reduce the Overall Maximum Limit for Serious Illness Benefit.

        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 1 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 product factsheet and 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.


         

        Guaranteed Renewal#

        With MediSure Pro, you will remain covered, with guaranteed renewal, up to age 100.

        #Subject to conditions:
          • The Medical Top Up Plan will be renewed up to age 69 and can be transferred to the Gold Plan upon reaching age 70, underwriting will be waived.
          • The Optional Serious Illness Benefit and Lady Care Benefit will be renewed up to age 79. Maternity Benefits will be renewed up to age 49.
          • The Optional Serious Illness Benefit and Lady Care Benefit will be terminated if you claim the maximum limit.

         

        Flexible Options

        You may wish to select a fixed Annual Aggregate Deductible+. If your medical expenses exceed your selected Annual Aggregate Deductible, and are not covered by your existing medical insurance, MediSure Pro will cover the outstanding amount beyond the selected Annual Aggregate Deductible. You can enjoy a premium discount of up to 65% when covering yourself with MediSure Pro’s Annual Aggregate Deductible Discount. In doing so, your coverage will be much higher due to being under two medical plans while paying far less.

        Additional Family Discount
        Enjoy an additional 10% discount on your premium when you enrol your family members.

        Annual Aggregate Deductible +Core Cover Premium Discount
        Per person (HK$)Gold PlanDiamond Plan
        10,00025%
        20,00035%
        40,00045%
        80,00055%
        120,00065%

        "Deductible" is "excess" that policyholders must bear before their insurance cover is payable.
        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.

         

        Contact Us

        Call us now at
        +852 3122 6722
        Consult our
        Customer Services Representatives
        Remarks: 
        1. Our Customer Service Hotline service hour is 9:00am to 5:30pm, Monday to Friday (except Public Holidays).
        2. If there is Tropical Cyclone Warning Signal No.8 or above or Black Rainstorm Signal, our Customer Service Representatives will contact you on the next working day.