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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.

You will be provided with an additional cash benefit under the following circumstance(s) if relevant Eligible Expenses are payable:
• Cash benefit for Day Case Procedure: The surgery conducted is a Day Case Procedure. [First-in-VHIS-market⁷] Cash benefit will be doubled up if the Insured Person receives designated Day Case Procedures at a Designated Healthcare Services Provider⁸,
• Cash benefit for major and complex surgeries [First-in-VHIS-market⁷]: You need to undergo a surgical procedure which is categorized as major or complex according to the Schedule of Surgical Procedures or as reasonably determined by us if the surgical procedure is not included in the Schedule of Surgical Procedures, or
• Cash benefit for Confinement in Intensive Care Unit in Hong Kong [First-in-VHIS-market⁷]: You have been Confined in Intensive Care Unit for at least 3 consecutive days in Hong Kong

The Plan covers rehabilitation treatment⁶ and post-Confinement home nursing⁶, so your financial burden will be lightened and you can focus on recovery.

If you haven’t made any claim for the Plan for 2 or more consecutive Policy Years immediately prior to Renewal⁹, the Plan will offer you no claims premium discount¹⁰ on your next Renewal⁹ premium regardless of your Age. Besides, any benefits paid under relevant benefits items for any designated Day Case Procedure(s) performed at any Designated Healthcare Services Providers⁸, which are performed on the Insured Person during the no claims period, shall not affect the eligibility for no claims premium discount¹⁰. You may enjoy individual and extra no claims premium discount10 of up to 30% by getting insured and staying healthy with your family.

The Plan includes thoughtful medical coverage for your newborn baby^11,12 for one year at no extra cost after your Policy has been in force for 2 or more consecutive Policy Years. There is no limit to the number of times you can enjoy this benefit, but it is applicable once only to each newborn.

The Plan offers you the wellness joy benefit^11,13 for reimbursing the expenses on Wellness Activity(ies) including travel, fitness / wellness course or health check-up up to HKD2,000 for Superior benefit level and HKD1,000 for Standard benefit level once every five consecutive Policy Years to give you an extra incentive to stay healthy.

• CANcierge^11,14 for support services with cashless facility tailor-made exclusively to meet your needs
• Second Medical Opinions Service^11,14 provided by some of the highest-ranked US medical institutions
• International SOS 24-hour Worldwide Assistance Service^11,14

• Guaranteed Renewable⁹ up to Age 100 (attained age) of the Insured Person
• Any illness, Disease or Congenital Condition that was an unknown Pre-existing Condition at the time of Application will be fully covered by the Plan starting from the 31st day of the first Policy Year. Furthermore, the scope of protection is extended to cover Congenital Condition(s) having manifested or been diagnosed at any Age the Insured Person attains, so that you are well guarded even when you suffer from unknown Pre-existing Conditions
• You may be eligible for tax deduction of up to HKD8,000¹⁵ per Insured Person per year of assessment for premium you paid