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MediSure Plus

MediSure Plus

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MediSure Plus

Product Features
Benefits Table
Premium
Major Exclusions

Comprehensive Medical Protection for You, Guarantee Renewal up to age 100

Enjoy healthcare protection with guaranteed renewal regardless of your health condition or claims history
Up to HK$2,500,000 hospitalisation benefits
Pre and post hospitalisation care for 30 days before admission and 90 days after discharge
Post Operation and Cancer Treatment Recovery Benefit - Cover consultation fee or treatment fee including Psychological Counselling, Dietetic Consultation, Speech Therapy,Occupational Therapy, Chinese Herbalist Consultation and Acupuncture
24-hour worldwide protection including guaranteed payment of hospital admission and assistance services
Free Medical Services^† once per policy year, choosing from one of the services below: medical check-up plan, bone densitometry or female check-up plan
Enjoy No Claim Renewal Discount
Exclusive savings for optional excess amount

Save up to 55% on annual premium for opting an excess amount at HK$80,000 per year

†Free Medical Services (“The Service”):

The Service is provided by relevant suppliers. DBS and MSIG will not be responsible for the quality of the services offered by them. Redemption letter will be sent to the email address provided by the customer during application by MSIG within 3 months after the policy inception date.
Customers will not be entitled to the offer if they withdraw or terminate their policies during the first year of cover. MSIG reserves the right to deduct the value of offer from the customer’s account in such cases.

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.

Core Cover	Maximum Benefit (HK$)
Core Cover	Excel Plan	Super Plan
Overall Maximum Limit per Disability	500,000	2,500,000
(A) Hospital & Related Services Benefit
Maximum limit - per year	500,000	750,000
Room & Board - per day	2,100	2,900
Accompany Bed - per day	Full Cover
Intensive Care - supplement to Room & Board - per disability	Full Cover
Miscellaneous Hospital Charges (covers prescribed diagnostic imaging tests)³ - per disability	Full Cover
Physician Fees - per day	2,100	2,900
In-hospital Specialists - per disability	Full Cover
Surgeon Fee⁴ - per operation Complex Major Intermediate Minor	330,000 165,000 82,500 33,000	Full Cover
Anaesthetist Fee - per operation	35% of Surgeon Fee	Full Cover
Operation Theatre - per operation	35% of Surgeon Fee	Full Cover
Outpatient Chemotherapy / Radiotherapy / Targeted Therapy/ Immunotherapy/ Hormonal Therapy/ Kidney Dialysis Treatment - per disability	Full Cover
Pre-Admission Outpatient Visit and Post-Hospital Follow-up Treatments - per disability - 1 visit within 30 days before admission - Up to 3 Follow-up Treatments within 90 days after discharge	Full Cover
Post Operation and Cancer Treatment Recovery Benefit - per day - up to 5 visits per year for each of the following treatments : Psychological Counselling (Consultation fee only) Dietetic Consultation (Consultation fee only) Speech Therapy (Treatment fee only) Occupational Therapy (Treatment fee only) Chinese Herbalist Consultation and Acupuncture - Reimbursement percentage	630 80%	840 80%
Private Nursing - per day - up to 26 weeks per year	Full Cover
Public Hospital Cash Benefit - per day	1,500	2,000
Second Claim Benefit - per claim	1,000	1,000
Day Surgery Cash Allowance - per operation	1,000	1,000
Lifetime Limit - per person, applied at or above age 70	2,000,000	3,000,000
(B) Organ Transplantation Benefit
Maximum limit - per year and per disability	500,000	750,000
(C) Additional Benefits
Free Medical Services at Appointed Centre⁶	Once per Year
International Payment Guarantee⁷	Available
24-hour International Emergency Assistance	Available
Emergency Evacuation & Repatriation - per year and per disability	N/A	1,000,000

Important Note

Online application is only eligible for applicant and Insured Person who must be residents of Hong Kong aged between 18 and 45 and the usual country of residence is Hong Kong.
Policy effective date is the first calendar day of the following month upon approval.
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.
Surgeon Fee: According to surgical schedule and plan chosen.
DBS Bank (Hong Kong) Limited ("DBS", which expression includes its successors and assigns) is an insurance agent authorised by MSIG Insurance (Hong Kong) Limited.
Free Medical Service is provided by relevant suppliers. DBS and MSIG will not be responsible for the quality of the services offered by them. Redemption letter will be sent to the email address provided by the customer during application by MSIG within 3 months after the policy inception date. Customers will not be entitled to the offer if they withdraw or terminate their policies during the first year of cover. MSIG reserves the right to deduct the value of offer from the customer's account in such cases.
Upon receipt of adequate prior notification of claim for Hospital in-patient treatment, 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.
Unless a written termination notice is given to MSIG by the Insured Person, this Insurance will be renewed automatically on a yearly basis upon policy expiry date and premium and the Levy will be deduced from the account provided by the Insured Person.
During the insured period, the Insured Person must inform MSIG immediately in case of any changes of Insured details, otherwise MSIG reserves the right to decline any claims the Insured Person made.
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	Premium (HK$)
	Excel Plan		Super Plan
	Monthly	Annual¹	Monthly	Annual¹
18 - 30 years	675	7,290	1,045	11,286
31 - 40 years	805	8,694	1,245	13,446
41 - 45 years	1,080	11,664	1,620	17,496
Excess Amount Per Year (HK$)	Premium Discount
10,000	25%		20%
20,000	35%		30%
40,000	45%		40%
80,000	55%		50%
Number of consecutive years with no claim	No Claim Premium Discount (Renewal)
2 consecutive years	5%
3 consecutive years	10%
4 consecutive years	10%
5 consecutive years or more	15%

Remarks:

Annual premium refers to 10% discount of monthly premium
Premium may be adjusted annually according to inflation and market claims experience.
Premium will be adjusted when the Insured enters the next age group according to the premium table.
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^st 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
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 medical check-ups and vaccinations
Cosmetic surgery
Dental treatment or oral surgery related to teeth (unless for restoration or replacement of sound natural teeth within 14 days of accident. This exclusion is not applicable to Dental Benefit.)
Convalescent care
Pregnancy or childbirth, infertility, contraception and sterilisation
Congenital and hereditary conditions
Mental and psychiatric disorders
Elective overseas treatment for non-emergency medical conditions
Participation of hazardous sports and pastime
Hospital in-patient treatment for conditions which can be properly treated as an outpatient. This includes hospitalisation primarily for diagnostic scanning, X-ray examinations or physiotherapy treatment.

MediSure Plus

Product Features
Benefits Table
Premium
Major Exclusions

Comprehensive Medical Protection for You, Guarantee Renewal up to age 100

Enjoy healthcare protection with guaranteed renewal regardless of your health condition or claims history
Up to HK$2,500,000 hospitalisation benefits
Pre and post hospitalisation care for 30 days before admission and 90 days after discharge
Post Operation and Cancer Treatment Recovery Benefit - Cover consultation fee or treatment fee including Psychological Counselling, Dietetic Consultation, Speech Therapy,Occupational Therapy, Chinese Herbalist Consultation and Acupuncture
24-hour worldwide protection including guaranteed payment of hospital admission and assistance services
Free Medical Services^† once per policy year, choosing from one of the services below: medical check-up plan, bone densitometry or female check-up plan
Enjoy No Claim Renewal Discount
Exclusive savings for optional excess amount

Save up to 55% on annual premium for opting an excess amount at HK$80,000 per year

†Free Medical Services (“The Service”):

The Service is provided by relevant suppliers. DBS and MSIG will not be responsible for the quality of the services offered by them. Redemption letter will be sent to the email address provided by the customer during application by MSIG within 3 months after the policy inception date.
Customers will not be entitled to the offer if they withdraw or terminate their policies during the first year of cover. MSIG reserves the right to deduct the value of offer from the customer’s account in such cases.

Core Cover	Maximum Benefit (HK$)
Core Cover	Excel Plan	Super Plan
Overall Maximum Limit per Disability	500,000	2,500,000
(A) Hospital & Related Services Benefit
Maximum limit - per year	500,000	750,000
Room & Board - per day	2,100	2,900
Accompany Bed - per day	Full Cover
Intensive Care - supplement to Room & Board - per disability	Full Cover
Miscellaneous Hospital Charges (covers prescribed diagnostic imaging tests)³ - per disability	Full Cover
Physician Fees - per day	2,100	2,900
In-hospital Specialists - per disability	Full Cover
Surgeon Fee⁴ - per operation Complex Major Intermediate Minor	330,000 165,000 82,500 33,000	Full Cover
Anaesthetist Fee - per operation	35% of Surgeon Fee	Full Cover
Operation Theatre - per operation	35% of Surgeon Fee	Full Cover
Outpatient Chemotherapy / Radiotherapy / Targeted Therapy/ Immunotherapy/ Hormonal Therapy/ Kidney Dialysis Treatment - per disability	Full Cover
Pre-Admission Outpatient Visit and Post-Hospital Follow-up Treatments - per disability - 1 visit within 30 days before admission - Up to 3 Follow-up Treatments within 90 days after discharge	Full Cover
Post Operation and Cancer Treatment Recovery Benefit - per day - up to 5 visits per year for each of the following treatments : Psychological Counselling (Consultation fee only) Dietetic Consultation (Consultation fee only) Speech Therapy (Treatment fee only) Occupational Therapy (Treatment fee only) Chinese Herbalist Consultation and Acupuncture - Reimbursement percentage	630 80%	840 80%
Private Nursing - per day - up to 26 weeks per year	Full Cover
Public Hospital Cash Benefit - per day	1,500	2,000
Second Claim Benefit - per claim	1,000	1,000
Day Surgery Cash Allowance - per operation	1,000	1,000
Lifetime Limit - per person, applied at or above age 70	2,000,000	3,000,000
(B) Organ Transplantation Benefit
Maximum limit - per year and per disability	500,000	750,000
(C) Additional Benefits
Free Medical Services at Appointed Centre⁶	Once per Year
International Payment Guarantee⁷	Available
24-hour International Emergency Assistance	Available
Emergency Evacuation & Repatriation - per year and per disability	N/A	1,000,000

Important Note

Online application is only eligible for applicant and Insured Person who must be residents of Hong Kong aged between 18 and 45 and the usual country of residence is Hong Kong.
Policy effective date is the first calendar day of the following month upon approval.
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.
Surgeon Fee: According to surgical schedule and plan chosen.
DBS Bank (Hong Kong) Limited ("DBS", which expression includes its successors and assigns) is an insurance agent authorised by MSIG Insurance (Hong Kong) Limited.
Free Medical Service is provided by relevant suppliers. DBS and MSIG will not be responsible for the quality of the services offered by them. Redemption letter will be sent to the email address provided by the customer during application by MSIG within 3 months after the policy inception date. Customers will not be entitled to the offer if they withdraw or terminate their policies during the first year of cover. MSIG reserves the right to deduct the value of offer from the customer's account in such cases.
Upon receipt of adequate prior notification of claim for Hospital in-patient treatment, 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.
Unless a written termination notice is given to MSIG by the Insured Person, this Insurance will be renewed automatically on a yearly basis upon policy expiry date and premium and the Levy will be deduced from the account provided by the Insured Person.
During the insured period, the Insured Person must inform MSIG immediately in case of any changes of Insured details, otherwise MSIG reserves the right to decline any claims the Insured Person made.
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	Premium (HK$)
	Excel Plan		Super Plan
	Monthly	Annual¹	Monthly	Annual¹
18 - 30 years	615	6,642	955	10,314
31 - 40 years	735	7,938	1,135	12,258
41 - 45 years	985	10,638	1,480	15,984
Excess Amount Per Year (HK$)	Premium Discount
10,000	25%		20%
20,000	35%		30%
40,000	45%		40%
80,000	55%		50%
Number of consecutive years with no claim	No Claim Premium Discount (Renewal)
2 consecutive years	5%
3 consecutive years	10%
4 consecutive years	10%
5 consecutive years or more	15%

Remarks:

Annual premium refers to 10% discount of monthly premium
Premium may be adjusted annually according to inflation and market claims experience.
Premium will be adjusted when the Insured enters the next age group according to the premium table.
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^st 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
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 medical check-ups and vaccinations
Cosmetic surgery
Dental treatment or oral surgery related to teeth (unless for restoration or replacement of sound natural teeth within 14 days of accident. This exclusion is not applicable to Dental Benefit.)
Convalescent care
Pregnancy or childbirth, infertility, contraception and sterilisation
Congenital and hereditary conditions
Mental and psychiatric disorders
Elective overseas treatment for non-emergency medical conditions
Participation of hazardous sports and pastime
Hospital in-patient treatment for conditions which can be properly treated as an outpatient. This includes hospitalisation primarily for diagnostic scanning, X-ray examinations or physiotherapy treatment.