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Key Benefits
1
Guaranteed renewal up to age 100 and subject to pool rating1
2
Top up of Hospital Services Benefit up to HK$5,000,000 per year
3
Post-accident Reconstructive Surgery up to HK$5,000,000 per lifetime
4
Inpatient and outpatient Oncology Treatment
5
Advanced diagnostic scanning and surgical appliances coverage
We've got your needs covered
Compare our plans in details, you'll definitely find something that suits you
| Plan Level | mediTop | mediTop | mediTop | Super mediTop |
|---|---|---|---|---|
|
Room Level Options2 |
Ward | Semi-Private | Private | Semi-Private/Private |
- Overall Annual Limit
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Plan Level mediTop mediTop mediTop Super mediTop Room Level Options2
Ward Semi-Private Private Semi-Private/Private Overall Annual Limit HK$1,500,000 HK$1,500,000 HK$1,500,000 HK$5,000,000 - Annual Deductible Options
-
Plan Level mediTop mediTop mediTop Super mediTop Room Level Options2
Ward Semi-Private Private Semi-Private/Private Annual Deductible Options HK$50,000/ HK$80,000/
HK$130,000HK$50,000/ HK$80,000/
HK$130,000HK$50,000/ HK$80,000/
HK$130,000HK$50,000/ HK$80,000/
HK$130,000 - Hospital Charges
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Plan Level mediTop mediTop mediTop Super mediTop Room Level Options2
Ward Semi-Private Private Semi-Private/Private Hospital Expenses Fully covered Fully covered Fully covered Fully covered Anaesthetist's Fee Fully covered Fully covered Fully covered Fully covered Operating Theatre Fully covered Fully covered Fully covered Fully covered Surgical Fee Fully covered Fully covered Fully covered Fully covered In-Hospital Doctor Consultation Fully covered Fully covered Fully covered Fully covered - Room & Board Charges
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Plan Level mediTop mediTop mediTop Super mediTop Room Level Options2
Ward Semi-Private Private Semi-Private/Private Room & Board Charges Fully covered Fully covered Fully covered Fully covered - Intensive Care Unit (ICU)
-
Plan Level mediTop mediTop mediTop Super mediTop Room Level Options2
Ward Semi-Private Private Semi-Private/Private Intensive Care Unit (ICU) Fully covered Fully covered Fully covered Fully covered - Companion Bed
-
Plan Level mediTop mediTop mediTop Super mediTop Room Level Options2
Ward Semi-Private Private Semi-Private/Private Companion Bed
Accompanied dependent child below age 20
Limit to one family member/ parent/ guardian each nightFully covered Fully covered Fully covered Fully covered - Oncology Treatment
-
Plan Level mediTop mediTop mediTop Super mediTop Room Level Options2
Ward Semi-Private Private Semi-Private/Private Oncology Treatment
Inpatient/ Day-patient Treatment
Maximum limit of item (1) - (2) per year
1) Chemotherapy
2) Radiotherapy
Fully covered
Fully covered
Fully covered
Fully coveredMaximum limit of item (3) - (8) per lifetime
3) Target therapy4
4) Gamma knife4
5) Cyberknife4
6) Immunotherapy4
7) Hormonal therapy4
8) Proton therapy4HK$1,500,000 HK$1,500,000 HK$1,500,000 HK$5,000,000 - Day Surgery for Gastroscopy/ Colonoscopy
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Plan Level mediTop mediTop mediTop Super mediTop Room Level Options2
Ward Semi-Private Private Semi-Private/Private Day Surgery for Gastroscopy/ Colonoscopy
Maximum limit per yearHK$12,500 HK$17,500 HK$22,500 HK$25,000 - Local Ambulance Services
-
Plan Level mediTop mediTop mediTop Super mediTop Room Level Options2
Ward Semi-Private Private Semi-Private/Private Local Ambulance Services Fully covered Fully covered Fully covered Fully covered - Organ Transplantation
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Plan Level mediTop mediTop mediTop Super mediTop Room Level Options2
Ward Semi-Private Private Semi-Private/Private Organ Transplantation
Excluding donor costs if chargeable to the Insured MemberFully covered Fully covered Fully covered Fully covered - Pre- and Post-Operation Treatment
-
Plan Level mediTop mediTop mediTop Super mediTop Room Level Options2
Ward Semi-Private Private Semi-Private/Private Pre- and Post-Operation Treatment
Maximum limit per year
Include 1 consultation or treatment 30 days prior to hospitalisation and 1 follow-up medical treatment within 90 days after hospital dischargeHK$10,000 HK$10,000 HK$10,000 HK$10,000 - Advanced Diagnostic Scanning
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Plan Level mediTop mediTop mediTop Super mediTop Room Level Options2
Ward Semi-Private Private Semi-Private/Private Advanced Diagnostic Scanning Fully covered Fully covered Fully covered Fully covered - Surgical Appliances
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Plan Level mediTop mediTop mediTop Super mediTop Room Level Options2
Ward Semi-Private Private Semi-Private/Private Surgical Appliances Fully covered Fully covered Fully covered Fully covered - Post-Accident Reconstructive Surgery3
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Plan Level mediTop mediTop mediTop Super mediTop Room Level Options2
Ward Semi-Private Private Semi-Private/Private Post-Accident Reconstructive Surgery3
Maximum limit per lifetimeHK$1,500,000 HK$1,500,000 HK$1,500,000 HK$5,000,000 - Private Inpatient Nursing3
-
Plan Level mediTop mediTop mediTop Super mediTop Room Level Options2
Ward Semi-Private Private Semi-Private/Private Private Inpatient Nursing3
Maximum limit per yearHK$10,000 HK$10,000 HK$10,000 HK$10,000 - Medical Emergency Evacuation/Repatriation5
-
Plan Level mediTop mediTop mediTop Super mediTop Room Level Options2
Ward Semi-Private Private Semi-Private/Private Medical Emergency Evacuation/ Repatriation5
Maximum limit per yearHK$1,000,000 HK$1,000,000 HK$1,000,000 HK$1,000,000
Coordination of Benefit - This plan will be paid after any other in-force insurance policy(ies) or indemnity source(s).
1 The benefit item and limit, terms and conditions and the premium rates may be revised at pool level upon policy renewal. Premium charged at renewal will also be based on your age. We guarantee to and will automatically renew your policy as long as you meet the requirements as stated in the renewal clauses on the Policy. For details, please refer to your Insurance Consultant and Policy
2 If the Insured Member confined the room level which is higher than the chosen level, an adjustment factor will be applied
- one level higher than your chosen level, reimbursement percentage of all eligible expenses under Hospital Services will be reduced by 50%
- two levels higher than your chosen level, reimbursement percentage of all eligible expenses under Hospital Services will be reduced by 75%
3 A written referral from the attending registered physician is required
4 Subject to an initial one-year waiting period from the commencement date of the original policy inception
5 Applicable to member under the age of 70
Notes
- Persons Eligible to Apply
-
- Insured and Legal Spouse below 70 years old and dependent child between 15 days old and below 26 years old (dependent child between 19 to 26 years old must be unmarried and full time student)
- Proposal for children must include at least one parent and the choice of plan for child must be equal to that of the parent(s)
- Insured Member must not have USA as both Home Country and Country of Residence
- Insured Member must not have Sanctioned Countries as their Home Country or Country of Residence
- Insured Member must have satisfactory evidence of good health
- For insured member with home country/country of residency as “mainland China”, must be a HK permanent resident or hold a valid Hong Kong ID card with valid work permit in Hong Kong
- Major Exclusions
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- Treatment which is not medically necessary or treatment of an optional nature
- Pre-existing conditions
- Any medical services associated with pregnancy/ fertility/ contraceptive technique/ sterilisation
- Birth defects or congenital illness(es)
- Treatment not undertaken by or on the recommendation of a physician
- Drug purchased without physician’s prescription
- Experimental and yet to be scientifically proven medical treatment
- Alternative treatment, such as aroma therapy & naturopathy
- Cosmetic surgery
- Dental treatment or oral surgery
- Routine medical/ eye/ ear examination (including the cost of spectacles, contact lenses and hearing aids, correction of eye visions)
- Preventive treatment (including vaccinations or inoculations)
- Acquisition of the organ itself and all expenses incurred by the donor
- Treatment for injury or sickness resulting directly or indirectly from terrorism, war, riot, civil commotion or any warlike operation or participation in illegal acts
- Treatment for bodily injury or sickness incurred while serving as a member of police or military forces
- Racing of any form other than on foot, and all professional sports
- Mental illness/psychiatric disorder (for e.g. depression, etc)
- Hospitalisation primarily for diagnosis or X-ray examination or physical therapy unless recommended by a registered physician
- Self-inflicted injury, suicide, abuse of alcohol, drug addiction or abuse
- Sexually transmitted or venereal diseases, AIDS, ARC, and their sequelae
- Long term care facility, spa, hydro-clinic, rest curse, and sanatorium
- Expenses incurred for funeral rites or any religious ceremonies
- Any expenses for health supplements and all specialised Chinese herbs and/ or tonic medicine such as but not limited to bird’s nest, lingzhi, ginseng, cordyceps sinensis, agaricus blazei murill, sika deer antler, etc
For the full list of exclusions, please refer to the policy terms and conditions.
The information contained in this page is intended as a general summary. For more details, please refer to our brochure and policy.
If there is any inconsistency or ambiguity between the English version and the translated version, the English version shall prevail.
