vCANsurance Medical Plan

The Plan provides full coverage¹ on a wide range of hospitalisation and surgical expenses, and 2 levels of Hospital accommodation options anywhere in the world² (up to Standard Semi-Private Room³ for Superior benefit level). Without Annual Benefit Limit and Lifetime Benefit Limit, Eligible Expenses and/or other expenses which are reasonable and customary incurred can be reimbursed up to HKD850,000 and HKD650,000 per Disability⁴ per Policy Year for Superior and Standard benefit levels respectively.

By combining “per Disability⁴” and “per Policy Year” reimbursement basis, an innovative concept of “per Disability⁴ per Policy Year” claims mechanism is introduced in the Plan, enabling you to utilise your coverage by having the limits of individual benefit items and the aggregate limit per Disability⁴ per Policy Year counted afresh for each Disability⁴ and in each Policy Year.

The Plan provides full coverage¹ on a wide range of medical expenses, including Prescribed Non-surgical Cancer Treatments⁵, kidney dialysis⁶ (including the rental cost of a kidney dialysis machine for use at home) and organ or bone marrow transplantation. On top of the respective aggregate limit per Disability⁴ per Policy Year of up to HKD850,000 (for Superior benefit level) and HKD650,000 (for Standard benefit level), you are entitled to an additional benefit for these three kinds of treatments of up to HKD850,000 per Disability⁴ per Policy Year (for Superior benefit level) or HKD650,000 per Disability⁴ per Policy Year (for Standard benefit level), which further eases your burden throughout your treatment journey.