I CARE Medical Insurance Plan

You need a whole life medical insurance plan to counter the escalating medical costs resulting from longer life span and medical technology advancement, and that’s why I CARE Medical Insurance Plan (“the Plan”) provides comprehensive hospitalisation coverage to back you up.

Key Benefits:

Comprehensive medical coverage

Guaranteed Lifetime Renewal

Death Benefit

Optional Benefit

I CARE Medical Insurance Plan

Issue Age From 15 days after birth to 69 years old
Policy Currency HKD, MOP or USD
Premium Payment Term To age 99 of the Insured
Benefit Term To age 100 of the Insured
Premium Payment Method Annual, Semi-annual, Quarterly or Monthly
Plan Level 3 Plan Levels


Benefit Plan 1
Plan 2
Plan 3
Plan 1
Plan 2
Plan 3
A. Hospital and Surgical Benefit
1. Room and Board (maximum 270 days each policy year) 2,600 each day 1,320 each day 630 each day 333 each day 169 each day 80 each day
2. Attendance Fees (for non-surgical case only) (maximum 270 days each policy year) 2,050 each day 930 each day 500 each day 262 each day 119 each day 64 each day
3. Miscellaneous Hospital Services (each policy year) 31,800 19,000 12,300 4,076 2,435 1,576
4. Surgeon and Attendance Fees (for surgical case only) (each operation)
- complex 66,200 42,000 31,500 8,487 5,384 4,038
- major 46,200 31,500 24,200 5,923 4,038 3,102
- intermediate 20,000 13,300 9,800 2,564 1,705 1,256
- minor 6,900 5,600 4,700 884 717 602
5. Operating Theatre Fees (each operation)
- complex 23,500 14,000 10,500 3,012 1,794 1,346
- major 13,900 9,700 7,600 1,782 1,243 974
- intermediate 6,600 4,400 3,400 846 564 435
- minor 3,700 2,200 2,000 474 282 256
6. Anaesthetist’s Fees (each operation)
- complex 20,500 12,100 9,200 2,628 1,551 1,179
- major 13,400 8,400 6,700 1,717 1,076 858
- intermediate 5,800 3,800 2,900 743 487 371
- minor 3,000 2,000 1,800 384 256 230
7. In-patient Specialist’s Fees (each policy year) Subject to written referral6 from the attending Registered Medical Practitioner (except for services performed by pathologist, radiologist or Physiotherapist during Hospital Confinement) 9,000 3,100 1,900 1,153 397 243
8. Intensive Care Unit (each policy year) 23,300 20,000 19,000 2,987 2,564 2,435
9. Private Nursing (maximum 120 days each policy year) Upon recommendation of a Registered Medical Practitioner, the Member incurs expenses for services rendered by a Qualified Nurse in respect of nursing at home after discharge from Hospital or for specializednursing care received in a Hospital 720 each day 420 each day 250 each day 92 each day 53 each day 32 each day
10. Cancer Treatment and Kidney Dialysis (each policy year)
Chemotherapy, radiotherapy, cyberknife or gamma knife for cancer treatment or kidney dialysis during Hospital Confinement or in day care unit of a Hospital or clinic upon recommendation by the attending Registered Medical Practitioner
100,000 75,000 50,000 12,820 9,615 6,410
11. Pre-admission and Post-hospitalisation Out-patient Care (each policy year)
Including 2 pre-admission visits and all related post-hospitalisation follow-up visits on an out-patient basis within 6 weeks right after discharge from Hospital
4,000 2,300 1,500 512 294 192
12. Extra Bed Benefit (maximum 90 days each policy year) 650 each day 450 each day 300 each day 84 each day 58 each day 39 each day
13. Emergency Out-patient Benefit for Accidents7 (each treatment) 10,000 5,000 2,000 1,282 641 256
Maximum Limit per Policy Year (from the first Policy Anniversary date after the Insured reaches 64 only) 780,000 400,000 190,000 100,000 51,282 24,358
B. Clinical Surgery Benefit (each operation)
1. Clinical Surgeon’s Fee 6,900 5,600 4,700 884 717 602
2. Clinical Anaesthetist’s Fee 3,000 2,000 1,800 384 256 230
3. Clinical Operating Theatre Fee 3,700 2,200 2,000 474 282 256
Maximum Limit per Policy Year 120,000 70,000 40,000 15,384 8,974 5,128
C. Hospital Cash Benefit for Confinement in Public Hospital (each policy year) 3
Pay from the 1st day of Hospital Confinement (maximum 90 days each policy year) 1,000 each day 700 each day 500 each day 128 each day 89 each day 64 each day
D. Supplementary Medical Benefit (each policy year) (optional)
(subject to 80% reimbursement and HKD500 deductible per claim)
  • apply after any item of Section A1 to A13 under Hospital and Surgical Benefit is exhausted
  • in case of overseas hospitalisation, only medical Emergency case will be covered
  • adjustment factors from room upgrade will be applied if Insured is hospitalisednot in accordance with plan level:
    • from semi-private to private: 50%
    • from ward to semi-private: 50%
    • from ward to private: 25%
  • this benefit will not be payable for Hospital Confinement in class of suite/V.I.P/deluxe room of a Hospital
550,000 280,000 110,000 70,512 35,897 14,102
E. Hospital Cash Benefit (each policy year) (optional)
Pay from the 3rd day5 of Hospital Confinement (maximum 182 days each policy year) 1,000 each day 500 each day 300 each day 128 each day 64 each day 38 each day


  1. All claims are reimbursed by actual expenses, though shall not exceed the maximum benefit limit as listed in the benefit table.
  2. Medically Necessary means the necessity to have a medical service which is: (i) consistent with the diagnosis and customary medical treatment for the condition at a normal and customary charge; (ii) in accordance with standards of good and prudent medical practice; (iii) necessary for such a diagnosis or treatment; (iv) not furnished primarily for the convenience of the Insured, Registered Medical Practitioner, Registered Chinese Medicine Practitioner, Physiotherapist, Anaesthetist or any other medical service providers; (v) furnished at the most appropriate level which can be safely and effectively provided to the Insured; and (vi) with respect to Hospital Confinement, not furnished primarily for diagnostic scanning purpose, imaging examination or physical therapy.
  3. If the Insured is admitted in Hospitals and Institutions of Macau and purchase the Hospital Cash Benefit (optional), both Hospital Cash Benefit (optional) and Hospital Cash Benefit for Confinement in Public Hospitals will apply.
  4. China Life Insurance (Overseas) Company Limited (“China Life (Overseas)”) reserves the right to review the Premium rate annually and amend the terms and conditions and/or scope of cover from time to time. If it decided to cease provision of this plan to policyholders of the plan, China Life (Overseas) will strive to provide another medical plan available at the time.
  5. One day of hospitalisation means 24 hours.
  6. A referral letter is only valid from the same or related condition for a period of 6 months from thedate of issuance. Treatment received for a new or unrelated condition will require another referral letter.
  7. Emergency Out-patient Benefit for Accidents means the Insured sustained an injury as a result of an Accident and receives the emergency treatment in an outpatient department or emergency room of the Hospital within 24 hours from the date of the Accident. China Life (Overseas) will reimburse the eligible expenses for consultation, Western Medicine, diagnostic imaging and laboratory tests, as well as other related medical fees incurred for services, as set out in the Benefit Schedule.
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Product Brochure
Important Information:

This product brochure is for reference only. Please refer to the Policy documents for the complete definitions of the capitalised terms, as well as all the terms and conditions of this product. You are reminded to review all of the relevant product materials provided to you and to seek independent professional advice if necessary.


  1. The Policy is underwritten by China Life Insurance (Overseas) Company Limited (“China Life (Overseas)” or "us/we/our"). China Life (Overseas) is responsible for the features, underwriting and benefit payments under the Policy. You should fully understand all of the risks involved in this product and consider whether this product is affordable and suitable to you before making your application.


  1. China Life (Overseas) shall make the final decisions on the underwriting and claims. Weshall rely on your submitted information to assess whether to accept or decline your application, and shall refund any Premium paid without interest for declined cases.


  1. This is a non-participating life insurance Policy and therefore dividends are not available to the Plan.


  1. Exclusions – unless the contract expressly provides to the contrary, China Life (Overseas) shall not be liable to pay expenses incurred directly or indirectly in connection with and/or for, in relation to any and all of the following:: (1) Pre-existing Condition, or any Disease within 30 days prior to the Policy Effective Date or date of Reinstatement; (2)treatment or investigation which is not Medically Necessary8; (3) any injury or Disease for which compensation is payable under any laws or regulations or any other insurance policy or other source, except the expenses which could not be covered under that laws or regulations or other insurance policy; (4) any charges for accommodation, nursing and services received in health hydros, nature cure clinics, convalescent home or similar establishments; (5) any charges in respect of surgical or non-surgical cosmetic treatment, or hearing test, routine blood tests, general check-ups, vaccination or inoculations, Hair Mineral Analysis (HMA), health supplements or body weight control, eye refraction including but not limited to routine eye tests or any costs of fitting of spectacles or lens; (6) Congenital Conditions, Developmental Conditions or Hereditary Conditions; (7) treatment that commenced during the first 5 policy years and which in any way arises from, is attributable to, or is consequential upon Human Immunodeficiency Virus Infection; (8) Sexually Transmitted (Venereal) Diseases or their sequel; (9) treatment relating to pregnancy, including diagnostic tests for pregnancy or resulting childbirth, abortion or miscarriage, birth control or sterilization of either sex; infertility including in-vitro fertilization or any other artificial method of inducing pregnancy; sexual dysfunction including but not limited to impotence, erectile dysfunction, pre-mature ejaculation, regardless of cause; (10) abuse of drugs or alcohol, self-inflicted injuries or attempted suicide; (11) treatment relating to any injury or disease resulting from participation in criminal activities; (12) alternative treatment including but not limited to Chinese Medicine treatment, acupuncture, acupressure, Tui Nai, hypnotism, rolfing, massage therapy, aromatherapy; (13) any geriatric, psychological, psychogeriatric or psychiatric condition of any and all kinds, including but not limited to psychoses, neuroses, depression, anxiety, anorexia nervosa, schizophrenia, behavioural disorders, Alzheimer’s disease, delirium, dementia-senile, Parkinsonism, insomnia, neurasthenia; (14) any charges for the procurement or use of special braces and appliances including but not limited to spectacles, hearing aids and other equipments such as wheel chairs and crutches; (15) dental treatment and oral surgery (except directly caused by an Emergency as a direct result of an Accident and the treatment or oral treatment is performed during Hospital Confinement). Follow-up treatment from such Hospital Confinement shall not be covered; (16) any charges blood and blood plasma; (17) treatment arising from war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power or terrorist acts; (18) non-medical services including but not limited to guest meals, radio, telephone, photocopy, taxes, medical report charges and the like; (19) experimental and/or new medical technology/procedure not yet approved by China Life (Overseas); (20) treatment or surgery for tonsils, adenoids, hernia or a disease peculiar to the female generative organs within 120 days from the Policy Issue Date or a later Effective Date as shown on the endorsement validly made to this Policy whereby this Rider becomes effective; (21) intentional self-injury or suicide (whether sane or not), intoxication by alcohol or insanity; and (22) the Insured participating in hunting, mountaineering, motor racing, horse racing, skiing; water-skiing, diving, parachuting, hand gliding or flying, boxing or other hazardous competitions or performances.


In addition, the information stated herein is for reference only. Please refer to the General Provisions for the exact terms and conditions and limitations such as incontestability, suicide and fraud etc. or all exclusions.


  1. Non-Payment of Premium - You should pay Premiums on time according to the selected Premium payment schedule. If the due Premium remains unpaid upon the expiry of the Grace Period, the Policy will be terminated in accordance to the clauses as stated on the “Grace Period and Lapse Of Policy” section of the General Provision and you will lose the coverage.


  1. Cooling-off Right - You have the right to cancel the policy within the cooling-off period and obtain a refund of any premiums paid provided that no claim has been made under it. The Company has the right to deduct the underwriting fees from the refund of any premiums paid. You must submit a written notice signed by you with the official copy of policy contract to China Life (Overseas) at Alameda Dr. Carlos D'Assumpcao No.263, 22 Andar A,B,K-P, Edif. China Civil Plaza, Macau within 21 days after the delivery of the policy or Notice of Policy Issuance (telling you about the availability of the policy and the expiry date of the cooling-off period) to you or your representative, whichever is earlier.



What are the key product risks?

Credit risk:

This product is a life insurance Policy issued by China Life (Overseas). Any Premium paid will become part of our assets and our financial strength will affectour ability to meet our contractual obligations to you under the Policy. Therefore this product is subject to our credit risk.


Exchange rate and Currency risks:

Any Policy with foreign currencies involves risks, such as potential changes in political or economic conditions that may substantially affect the price or liquidity of a currency. The fluctuations in exchange rates may also cause financial losses to you during currency conversions. You should consider the potential currency and exchange rate risks before deciding which Policy currency you should take.


Inflation risk:

The cost of living in the future may be higher than expected due to the effects of inflation. Therefore, your current planned benefits and/or returns maybeinsufficient to meet your future needs even if we fulfill all of our contractual terms and obligations.


Policy Termination:

The Policy will be terminated if (a) the Insured passes away, (b) you do not pay the Premium within 31 days of the due date and the Policy has no Cash Value.Option benefit(s) (if any) will be terminated at the same time.


Premium adjustment and renewal

China Life (Overseas) has the absolute right and discretion to adjust the renewal premium payable under the Policy at the end of each Coverage Period (that is every year). Factors leading to premium adjustment may include but are not limited to the experience in claims, policy surrender, investment return, and expenses incurred by and/or in relation to this product.



This product brochure is for reference only and contains descriptions of the key features of this product. For all the terms and conditions and exclusions of this product, please refer to the policy documents of this product. In the event of any ambiguity or inconsistency between the terms of this brochure and the policy documents, the Chinese version of the policy documents shall prevail.


This product brochure is for distribution in Macau only and shall not be construed as any provision of or offer to sell or solicitation to buy any insurance product outside Macau. China Life Insurance (Overseas) Company Limited ("China Life (Overseas)") does not provide or offer to sell any insurance product outside Macau. The above information is for reference only. The detailed terms, conditions and exclusions of the Plan are subject to the terms and conditions of the policy contract of the Plan. For a copy of the terms and conditions of the policy contract, please contact China Life (Overseas) for enquiry.


China Life Insurance (Overseas) Company Limited (incorporated in the People's Republic of China with limited liability)