HKD

Area of Coverage	Annual Deductible	2017	2018	2019	2020	2021			2022		2023
	(HKD)	All Age	All Age	All Age	All Age	Age 0-78	Age 79	Age 80+	Age 0-79	Age 80+	All Age
Worldwide & Worldwide (exclude USA)	0	0%	0%	0%	15%	9%	9%	5%	0%	0%	0%
	9,000 / 28,000	0%	0%	0%	5%	9%	9%	5%	0%	0%	0%
	100,000 / 500,000	N/A*	N/A*	N/A*	N/A*	5%	4%-5%	0%	0%	0%	0%
Asia	0	0%	0%	0%	15%	13%-15%	9%	5%	10%	0%	0%
	9,000 / 28,000	0%	0%	0%	5%	5%	4%	0%	2%	0%	0%
	100,000 / 500,000	N/A*	N/A*	N/A*	N/A*	0%	0%	0%	0%	0%	0%
Highlight of Benefit Enhancement		-	-	-	#2020	-			-		-

Remark:

*Annual deductible of HKD100,000 and HKD500,000 are launched in 1 Oct 2020

#2020:

Enhanced existing benefit:

(i) Cancer Treatment Benefit

Apart from existing coverage on chemotherapy, radiotherapy and targeted therapy, the benefit coverage had extended to hormonal therapy, immunotherapy, proton therapy and heavy-ion therapy, cyberknife and gamma knife.

Newly added benefit items:

(i) Lower Room Class Cash Benefit

(ii) Organ Transplant Benefit

(iii) Reconstructive Surgery Benefit

(iv) Stroke Rehabilitation Benefit

(v) No Claim Deductible Discount (only applicable to plan with HKD9,000, HKD28,000 or HKD100,000 annual deductible or amount equivalent in other currencies)

Newly added medical concierge service:

(i) Medical Appointment Scheduling Service in Mainland China

(ii) Medical Concierge Service in Mainland China

(iii) Medical Appointment Scheduling Service in Hong Kong and Macau

(iv) Medical Concierge Service in Hong Kong

 

Last Update Date: 02/21/2024

Important Reminder

Historical premium increase rates are not an indicator of future premium increase of the medical insurance products.

 

USD

Area of Coverage	Annual Deductible	2017	2018	2019	2020	2021			2022		2023
	(USD)	All Age	All Age	All Age	All Age	Age 0-78	Age 79	Age 80+	Age 0-79	Age 80+	All Age
Worldwide & Worldwide (exclude USA)	0	0%	0%	0%	15%	9%	9%	5%	0%	0%	0%
	1,125 / 3,500	0%	0%	0%	5%	9%	9%	5%	0%	0%	0%
	12,500 / 62,500	N/A*	N/A*	N/A*	N/A*	5%	4%-5%	0%	0%	0%	0%
Asia	0	0%	0%	0%	15%	13%-15%	9%	5%	10%	0%	0%
	1,125 / 3,500	0%	0%	0%	5%	5%	4%	0%	2%	0%	0%
	12,500 / 62,500	N/A*	N/A*	N/A*	N/A*	0%	0%	0%	0%	0%	0%
Highlight of Benefit Enhancement		-	-	-	#2020	-			-		-

Remark:

*Annual deductible of USD12,500 and USD62,500 are launched in 1 Oct 2020

#2020:

Enhanced existing benefit:

(i) Cancer Treatment Benefit

Apart from existing coverage on chemotherapy, radiotherapy and targeted therapy, the benefit coverage had extended to hormonal therapy, immunotherapy, proton therapy and heavy-ion therapy, cyberknife and gamma knife.

Newly added benefit items:

(i) Lower Room Class Cash Benefit

(ii) Organ Transplant Benefit

(iii) Reconstructive Surgery Benefit

(iv) Stroke Rehabilitation Benefit

(v) No Claim Deductible Discount (only applicable to plan with USD1,125, USD3,500 or USD12,500 annual deductible or amount equivalent in other currencies)

Newly added medical concierge service:

(i) Medical Appointment Scheduling Service in Mainland China

(ii) Medical Concierge Service in Mainland China

(iii) Medical Appointment Scheduling Service in Hong Kong and Macau

(iv) Medical Concierge Service in Hong Kong

 

Last Update Date: 02/21/2024

Important Reminder

Historical premium increase rates are not an indicator of future premium increase of the medical insurance products.

 

MOP

Area of Coverage	Annual Deductible	2017	2018	2019	2020	2021			2022		2023
	(MOP)	All Age	All Age	All Age	All Age	Age 0-78	Age 79	Age 80+	Age 0-79	Age 80+	All Age
Worldwide & Worldwide (exclude USA)	0	0%	0%	0%	15%	9%	9%	5%	0%	0%	0%
	9,000 / 28,000	0%	0%	0%	5%	9%	9%	5%	0%	0%	0%
	100,000 / 500,000	N/A*	N/A*	N/A*	N/A*	5%	4%-5%	0%	0%	0%	0%
Asia	0	0%	0%	0%	15%	13%-15%	9%	5%	10%	0%	0%
	9,000 / 28,000	0%	0%	0%	5%	5%	4%	0%	2%	0%	0%
	100,000 / 500,000	N/A*	N/A*	N/A*	N/A*	0%	0%	0%	0%	0%	0%
Highlight of Benefit Enhancement		-	-	-	#2020	-			-		-

Remark:

*Annual deductible of MOP100,000 and MOP500,000 are launched in 1 Oct 2020

#2020:

Enhanced existing benefit:

(i) Cancer Treatment Benefit

Apart from existing coverage on chemotherapy, radiotherapy and targeted therapy, the benefit coverage had extended to hormonal therapy, immunotherapy, proton therapy and heavy-ion therapy, cyberknife and gamma knife.

Newly added benefit items:

(i) Lower Room Class Cash Benefit

(ii) Organ Transplant Benefit

(iii) Reconstructive Surgery Benefit

(iv) Stroke Rehabilitation Benefit

(v) No Claim Deductible Discount (only applicable to plan with MOP9,000, MOP28,000 or MOP100,000 annual deductible or amount equivalent in other currencies)

Newly added medical concierge service:

(i) Medical Appointment Scheduling Service in Mainland China

(ii) Medical Concierge Service in Mainland China

(iii) Medical Appointment Scheduling Service in Hong Kong and Macau

(iv) Medical Concierge Service in Hong Kong

 

Last Update Date: 02/21/2024

Important Reminder

Historical premium increase rates are not an indicator of future premium increase of the medical insurance products.

 

RMB

Area of Coverage	Annual Deductible	2017	2018	2019	2020	2021			2022		2023
	(RMB)	All Age	All Age	All Age	All Age	Age 0-78	Age 79	Age 80+	Age 0-79	Age 80+	All Age
Worldwide & Worldwide (exclude USA)	0	0%	0%	0%	15%	9%	9%	5%	0%	0%	0%
	7,200 / 22,400	0%	0%	0%	5%	9%	9%	5%	0%	0%	0%
	80,000 / 400,000	N/A*	N/A*	N/A*	N/A*	5%	4%-5%	0%	0%	0%	0%
Asia	0	0%	0%	0%	15%	13%-15%	9%	5%	10%	0%	0%
	7,200 / 22,400	0%	0%	0%	5%	5%	4%	0%	2%	0%	0%
	80,000 / 400,000	N/A*	N/A*	N/A*	N/A*	0%	0%	0%	0%	0%	0%
Highlight of Benefit Enhancement		-	-	-	#2020	-			-		-

Remark:

*Annual deductible of RMB80,000 and RMB400,000 are launched in 1 Oct 2020

#2020:

Enhanced existing benefit:

(i) Cancer Treatment Benefit

Apart from existing coverage on chemotherapy, radiotherapy and targeted therapy, the benefit coverage had extended to hormonal therapy, immunotherapy, proton therapy and heavy-ion therapy, cyberknife and gamma knife.

Newly added benefit items:

(i) Lower Room Class Cash Benefit

(ii) Organ Transplant Benefit

(iii) Reconstructive Surgery Benefit

(iv) Stroke Rehabilitation Benefit

(v) No Claim Deductible Discount (only applicable to plan with RMB7,200, RMB22,400 or RMB80,000 annual deductible or amount equivalent in other currencies)

Newly added medical concierge service:

(i) Medical Appointment Scheduling Service in Mainland China

(ii) Medical Concierge Service in Mainland China

(iii) Medical Appointment Scheduling Service in Hong Kong and Macau

(iv) Medical Concierge Service in Hong Kong

 

Last Update Date: 02/21/2024

Important Reminder

Historical premium increase rates are not an indicator of future premium increase of the medical insurance products.