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

meditop 700x900

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
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$130,000		 HK$50,000/ HK$80,000/ 
HK$130,000		 HK$50,000/ HK$80,000/ 
HK$130,000		 HK$50,000/ HK$80,000/ 
HK$130,000
Hospital Charges
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
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 night		 Fully 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 covered
Maximum limit of item (3) - (8) per lifetime
3) Target therapy4
4) Gamma knife4
5) Cyberknife4
6) Immunotherapy4
7) Hormonal therapy4
8) Proton therapy4		 HK$1,500,000 HK$1,500,000 HK$1,500,000 HK$5,000,000
Day Surgery for Gastroscopy/ Colonoscopy
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 year		 HK$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
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 Member		 Fully covered Fully covered Fully covered Fully covered
Pre & Post Hospitalization Treatment
Plan Level mediTop mediTop mediTop Super mediTop

Room Level Options2

 Ward Semi-Private Private Semi-Private/Private
Pre & Post Hospitalization 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 discharge		 HK$10,000 HK$10,000 HK$10,000 HK$10,000
Advanced Diagnostic Scanning
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
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
Plan Level mediTop mediTop mediTop Super mediTop

Room Level Options2

 Ward Semi-Private Private Semi-Private/Private
Post-Accident Reconstructive Surgery3
Maximum limit per lifetime		 HK$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 year		 HK$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 year		 HK$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
  • 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. 

Downloads

file icon Application Form 922.696 KB download icon file icon Brochure 1.451 MB download icon file icon Individual Medical Change Request Form 638.872 KB download icon file icon Medical Insurance Needs Assessment Form 468.706 KB download icon