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Benefits Plan A Plan B Plan C
Please note: benefit values are per person each year unless otherwise specified and are reduced each time you claim by the amount we have actually paid and any applicable deductible.
Please refer to the policy schedule for details on annual deductible applicable to your plan.
Area of Cover Asia# Worldwide excluding USAΔ Worldwide Asia# Worldwide excluding USAΔ Worldwide Asia# Worldwide excluding USAΔ Worldwide
Yearly maximum up to HK$22,500,000 / US$2,900,000 HK$18,000,000 / US$2,300,000 HK$14,000,000 / US$1,800,000
Outside area of cover Emergency treatment only Emergency treatment only All areas covered Emergency treatment only Emergency treatment only All areas covered Emergency treatment only Emergency treatment only All areas covered
Level of reimbursement Reasonable and customary (R&C) charges Reasonable and customary (R&C) charges Reasonable and customary (R&C) charges
In-patient and daycare treatment (including surgery, consultations, organ transplants, consumables, surgical implants etc.)
Daily accommodation charges Included (single en-suite room) Included (single en-suite room) Included (single en-suite room)
Parent accommodation up to HK$1,200 / US$150 per night HK$1,200 / US$150 per night HK$1,200 / US$150 per night
Cash benefit HK$1,800 / US$230 per night HK$1,200 / US$150 per night HK$800 / US$100 per night
In-patient direct billing Included Included Included
Applicable in-patient direct billing network International directory of hospitals International directory of hospitals International directory of hospitals
Level of cover 100% of reasonable and customary (R&C) charges in the international directory of hospitals 100% of reasonable and customary (R&C) charges in the international directory of hospitals 100% of reasonable and customary (R&C) charges in the international directory of hospitals
Out-patient treatment
General Practitioner and Specialist consultation charges
(including diagnostics, prescribed drugs, dressings etc.)		 Included Included No benefit
Radiotherapy, chemotherapy, computerized tomography,
magnetic resonance imaging, positron emission tomography,
x-rays and gait scans		 Included Included Included
Surgical procedures received as an outpatient Included Included Included
Courses of chiropractic treatment, acupuncture,
homeopathy and osteopathy up to		 HK$9,000 / US$1,150 HK$9,000 / US$1,150 No benefit
Traditional Chinese medicine up to
HK$470 / US$60 per visit
Up to 20 visits per year
HK$470 / US $60 per visit
Up to 20 visits per year
 No benefit
Courses of physiotherapy Included Included No benefit
Other benefits
Health screen up to*
HK$8,000 / US$1,000
Available only after 12 months membership
 No benefit No benefit
Pre-existing conditions up to
Years 1 & 2: HK$18,000 / US$2,300
Available only after 9 months membership
Subsequent years: HK$36,000 / US$4,600
 Years 1 & 2: HK$18,000 / US$2,300
Available only after 9 months membership
Subsequent years: HK$36,000 / US$4,600		 No benefit
Maintenance of non pre-existing chronic conditions Included Included Included
Oral and maxillofacial surgery Included Included Included
Ambulance transport Included Included Included
International Emergency Medical Assistance* Included Included Included
Psychiatric treatment up to HK$60,000 / US$7,600 HK$36,000 / US$4,600 HK$25,000 / US$3,200
Accidental damage to teeth Included Included Included
Pre and post-natal complications Included – available only after 12 months membership Included – available only after 12 months membership Included – available only after 12 months membership
New born accommodation Included Included Included
Pregnancy and delivery up to* HK$110,000 / US$13,800
Available only after 12 months membership		 No benefit No benefit
Vaccination up to HK$12,000 / US$1,500 HK$9,500 / US$1,200 No benefit
Routine dental care up to* 80% of eligible expenses incurred up to
HK$9,500 / US$1,200		 No benefit No benefit
Routine optical care up to* HK$2,200 / US$280 No benefit No benefit
Hospice and palliative care up to HK$300,000 / US$38,000 in a member’s lifetime
Available only after 12 months membership		 HK$240,000 / US$30,000 in a member’s lifetime
Available only after 12 months membership		 No benefit

Important Notes
  • Please refer to the premium table for details of charges.
  • Full details of the policy cover, pre-authorization, definitions and exclusions are contained in your personal handbook and membership agreement.

* Annual deductible does not apply to this benefit
# We define Asia as

Afghanistan Bangladesh Bhutan Brunei Cambodia China Hong Kong India
Indonesia Japan Kazakhstan Kyrgyzstan Laos Macau Malaysia Maldives
Mongolia Myanmar Nepal North Korea Pakistan Philippines Singapore South Korea
Sri Lanka Taiwan Tajikistan Thailand Timor-Leste Turkmenistan Uzbekistan Vietnam

 
Δ We define Worldwide excluding USA as
Worldwide excluding USA and US Minor Outlying Islands