vCare Supreme Medical Plan

Without Annual Benefit Limit and Lifetime Benefit Limit, the Plan reimburses a wide range of hospitalisation and surgical expenses. Since it is guaranteed Renewable¹ until the Insured Person reaches the Age of 100 (attained age), you can rest assured that this scope of coverage will give you a well-rounded safety net throughout the years.

A supplementary major medical benefit² is built in to cover 85% of the Eligible Expenses in excess of the designated benefit items and limits (including per surgery limit, per day limit, maximum number of days per Policy Year and per Policy Year benefit limit), up to HKD100,000 per Disability³ per Policy Year. The Plan also offers additional benefit⁴ for Prescribed Non-surgical Cancer Treatments⁵ and kidney dialysis⁶, up to a maximum of HKD50,000 per Policy Year.

Any illness, Disease or Congenital Condition⁷ that was an unknown Pre-existing Condition at the time of Application is also fully covered by the Plan from the 31^st day of the first Policy Year. So even if you do not know about a Pre-existing Condition, your claim will still be reimbursable in full from the 31^st day of the first Policy Year.