Wealth Management Hong Kong
1075 Central Building 1-3 Pedder Street Central Hong Kong
Hong Kong 
info@wealthmanagementhongkong.info

Health Insurance Hong Kong

Blue Cross Medical Insurance

Contents For Blue Cross Medical Insurance

Blue Cross Medical Insurance Quotations

Compare Find And Buy The Best Low Cost Affordable Health Insurance Plans In Hong Kong

Discover The Difference

 

Compare Find And Buy The Best Low Cost Affordable Blue Cross Medical Insurance Cover Comparison 

We have the reputation of putting our clients’ interests first and above everything else.

This site is designed with our clients and our reputation in mind.

Compare Find And Buy The Best Low Cost Affordable Blue Cross Medical Insurance Cover Comparison

Here you can Compare, Find, and Buy The Best Low Cost Affordable Priced Comparison Blue Cross Medical Insurance Plans Comparison  worldwide.

So it does not matter where you live or where you travel we have got you covered.

You can now be assured that we are going to work very hard for you in finding the Best Plan for you Blue Cross Medical Insurance at the Lowest Affordable Cost.

In addition we only recommend and work with the Top Blue Cross Medical Insurance Company Worldwide as this also ensures that we provide the Best Blue Cross Medical Insurance Plans for our clients.

Why don’t you go ahead and get in touch with us today and put us to the test.

Blue Cross Hong Kong offer a wide range of medical insurance in Hong Kong and with an aging population, mutating infectious diseases and ever escalating medical costs, an all round medical insurance policy helps you to alleviate your future financial medical care costs.

Blue Cross Medical Insurance

Blue Cross Medical Insurance Hong Kong

Medical Insurance Guide

Blue Cross Medical Insurance Hong Kong

Protect your health your most valuable asset with a Blue Cross Medical Insurance plan that allows you and your family to receive the necessary treatment without the added financial worry.

Blue Cross Medical Insurance Hong Kong offer 4 Individual Medical Insurance Plans with their Blue Cross Super Medical Insurance Series tailored for specific age and gender groups, namely Blue Cross Super Junior, Blue Cross Super Lady, Blue Cross Super Man and Blue Cross Super Senior, to fulfill medical protection needs in different stages of life:

  • Blue Cross Super Junior, Blue Cross Super Lady, Blue Cross Super Man and Blue Cross Super Senior

And 6 Alternative Medical Insurance Plans:

  • Blue Cross Tycoon Medical Insurance Plan, Blue Cross Taipan Medical Insurance Plan, Blue Cross All-in-one Outpatient Insurance, Blue Cross Hospital Income Plan “Plus”, Blue Cross Major Medical Insurance Plan, Blue Cross Caring Medical Protection Plus

Blue Cross (Asia-Pacific) Insurance Limited (“Blue Cross”) is a member of The Bank of East Asia Group. With over 45 years of operational experience in the insurance industry, Blue Cross provides a comprehensive range of products and services including medical, travel, and general insurance, which cater to the needs of both individual and corporate customers.

Medical Insurance Guide

Blue Cross Medical Insurance Hong Kong

Super Medical Insurance Series

Blue Cross Super Junior

Comprehensive inpatient care covering the medical expenses for common diseases in children from 12 days to 18 years old for example:
‧ Asthma
‧ Hand-foot-and-mouth disease
‧ Rubella (German measles)
‧ Bacterial meningitis
‧ Kawasaki disease

Blue Cross Super Lady

Comprehensive inpatient care covering the medical expenses for common diseases in women from 19 years to 55 years old such as:
‧ Breast cancer
‧ Cervix cancer
‧ Heart disease
‧ Lung cancer
‧ Colon cancer
‧ Cerebrovascular diseases

Blue Cross Super Man

Comprehensive inpatient care covering the medical expenses for common diseases in men from 19 years to 55 years old such as:
‧ Prostate cancer
‧ Heart disease
‧ Nasopharyngeal cancer
‧ Cirrhosis of the liver
‧ Hypertension

Blue Cross Super Senior

Comprehensive inpatient care covering the medical expenses for common diseases in elderly 56 years to 70 years old such as:
‧ Stroke
‧ Osteoporosis
‧ Coronary heart disease
‧ Diabetes mellitus
‧ Prostate cancer

Comprehensive Inpatient Coverage

Super Medical Insurance Series provides a wide range of benefits to cover your expenses during hospitalization.

  • – Room and board
  • – Miscellaneous hospital charges
  • – Surgeon’s fees
  • – Anesthetist’s fees
  • – Operating theater charges
  • – Miscellaneous hospital charges
  • – Physician’s visit fees
  • – Specialist’s fees
  • – Charges for intensive care
  • – Daily hospital cash allowance
  • – Emergency outpatient treatment
  • – Outpatient surgery cash allowance
  • – Companion bed
  • – Registered private nurse’s fees

No Additional Charges On Claims Basis Upon Renewal

Guaranteed Lifetime Renewal

After enrollment, we guarantee your policy will be renewable for lifetime, regardless of your health status or claims history. We guarantee the insured under the Super Junior can enroll in the Super Lady or Super Man at age 19. An insured adult can also join the Super Senior at age 56.

24-hour Worldwide Emergency Aid

If you need assistance in an emergency condition while travelling overseas, simply make a call to our 24-hour Worldwide Emergency Aid Hotline at any time, our dedicated officers will provide you with appropriate assistance such as hospital admission deposit guarantee service, medical repatriation, travel information, and medical or legal referral service. You can be sure help is just a call away in case of emergency.

Emergency Medical Assistance In China

In case of emergency requiring hospitalization in China, simply present the “Medpass Card” and you can receive medical treatments in over 200 network hospitals or medical units without paying any deposits.

Coverage For Prolonged And Advanced Treatments

Chronic treatments always impose heavy financial burdens to patients. We offer coverage for chronic treatments to relieve your financial burden due to prolonged recovery such as renal dialysis, cancer related treatment, organ transplantation, tumor related treatment, and pacemaker implantation.

Chronic treatments always impose heavy financial burdens to patients. We offer coverage for chronic treatments to relieve your financial burden due to prolonged recovery such as kidney dialysis, cancer related treatment, organ transplantation, tumor related treatment, and pacemaker implantation.

In response to the needs of cancer or kidney dialysis patient, we provide a new “Cancer Therapy and Kidney Dialysis” Benefit with up to extra HKD 120,000 per disability to cover the medical expenses incurred by radiotherapy, chemotherapy, cyber knife, gamma knife as cancer therapy and kidney dialysis.

Coverage For Pre and Post Surgical Treatments

Covering both pre and post-surgical treatments related to the same injury or illness. The coverage includes one pre-surgical consultation and all follow-up clinic consultations including Chinese medicine practitioner treatments of up to 5 visits within 6 weeks after surgical operation.

Free Coverage For New Born Infant       

If both parents are covered under Super Medical Insurance Series, the new born infant will be covered under the Basic Plan from the age of 12 days until the next policy renewal date.

Free Annual Check Up Program         

Your health is our utmost concern, our free annual check up program includes health screening profiles and professional advice on laboratory reports from our medical consultants, enabling you to know your health status better and have preventive treatment in place.

Extended Health Check Up Program             

Our Extended Health Check up Program offer more comprehensive check up services at your choice at preferential rates, enabling you to monitor your health status and detect early symptoms of health threats.

Optional Benefits To Cater Your Specific Needs               

Based on your own needs, you may choose to enhance the basic coverage by selecting the Optional Supplementary Medical Benefits and/or the Optional Outpatient Benefits on top of the basic coverage. Moreover, the Optional Outpatient Benefits also provide a number of plan levels to cater your specific needs.

No Claim Discount         

Upon renewal, the insured will receive No Claim Discount on the premium of the Basic Hospital and Surgical Benefits if no claim has been made under Basic Hospital and Surgical Benefits in below no claim period.

No Claim Period Immediately
Preceding Renewal
Discount Rate
1 year 5%
2 consecutive years 5%
3 consecutive years 10%
4 consecutive years 10%
5 consecutive years or more 15%

Plan Coverage

Basic Hospital and Surgical Benefits

The benefits cover 100% eligible expenses up to the following maximum limit per disability:

Plan Level Maximum Limit Per Disability (HK$)
Supreme Superb Super
Benefit Items Level of Accommodation
Private Semi-private Ward
Room and Board
– Max. 90 days, limit per day
3,200 1,900 800
Miscellaneous Hospital Charges 30,000 22,000 18,000
Surgeon’s Fees
‧ Complex
‧ Major
‧ Intermediate
‧ Minor
– Including Chinese Medicine Practitioner Treatment,
5 visits per disability, 1 visit per day, limit per visit
147,000
49,000
25,000
10,000180
114,000
38,000
20,000
8,000150
90,000
30,000
15,000
6,000120
Anaesthetist’s Fees
‧ Complex
‧ Major
‧ Intermediate
‧ Minor
44,100
14,700
7,500
3,000
34,200
11,400
6,000
2,400
27,000
9,000
4,500
1,800
Operating Theatre Charges
‧ Complex
‧ Major
‧ Intermediate
‧ Minor
44,100
14,700
7,500
3,000
34,200
11,400
6,000
2,400
27,000
9,000
4,500
1,800
Physician’s Visit Fees
– Max. 90 days, limit per day
3,200 1,900 800
Specialist’s Fees
– Referral letter is required
9,500 7,000 6,000
Charges for Intensive Care
– Max. 30 days, limit per day
8,600 6,600 5,600
Daily Hospital Cash Allowance
– Max. 45 days
1,600 950 400
Cancer Therapy and Kidney Dialysis
– Referral letter is required
120,000 80,000 50,000
Emergency Outpatient Treatment 3,000 3,000 2,500
Outpatient Surgery Cash Allowance
Per surgical procedure
800 800 800
Applicable to Super Junior Plan only
Companion Bed for Insured Child
– Max. 90 days, limit per day
3,200 1,900 800
Applicable to Super Senior Plan only
Companion Bed for Insured Senior
– Max. 90 days, limit per day
3,200 1,900 800
Private Duty Registered Nurse
– Max. 90 days, limit per day
1,200 780 400
Overall Maximum Limit Per Year
(for aged 76 or above)
650,000 300,000 180,000

Optional Benefits

Optional benefits give you extended coverage for inpatient and outpatient treatments.

Optional Supplementary Medical Benefits

You can opt for Optional Supplementary Medical Benefits corresponding to the plan level of your Basic Hospital and Surgical Benefits. The benefits cover 100% of the eligible expenses in excess of Basic Hospital and Surgical Benefits up to the following maximum limit per disability:

Plan Level Maximum Limit Per Disability (HK$)
Supreme Superb Super
Benefit Items Level of Accommodation
Private Semi-private Ward
Room and Board
– In excess of 90 days, limit per day
3,200 1,900 800
Physician’s Visit Fees
– In excess of 90 days, limit per day
3,200 1,900 800
Surgeon’s Fees
‧ Complex
‧ Major
‧ Intermediate
‧ Minor
73,500
24,500
12,500
5,000
57,000
19,000
10,000
4,000
45,000
15,000
7,500
3,000
Anaesthetist’s Fees
‧ Complex
‧ Major
‧ Intermediate
‧ Minor
22,050
7,350
3,750
1,500
17,100
5,700
3,000
1,200
13,500
4,500
2,250
900
Operating Theatre Charges
‧ Complex
‧ Major
‧ Intermediate
‧ Minor
22,050
7,350
3,750
1,500
17,100
5,700
3,000
1,200
13,500
4,500
2,250
900
Miscellaneous Hospital Charges Reasonable and customary charges
Specialist’s Fees
– Referral letter is required
Charges for Intensive Care
Applicable to Super Junior Plan only
Companion Bed for Insured Child
– In excess of 90 days, limit per day
3,200 1,900 800
Applicable to Super Senior Plan only
Companion Bed for Insured Senior
– In excess of 90 days, limit per day
3,200 1,900 800
Applicable to All Plans
Overall Maximum Limit Per Disability 600,000 450,000 300,000

Optional Outpatient Benefits (Plan 3A or 3B)

Optional Outpatient Benefits offer two reimbursement options – 80% or 100% of eligible outpatient expenses. You may visit any clinic of your own choice and subject to the maximum reimbursement limits listed in the table below.

If premium is paid annually, you are entitled to use Blue Cross Healthcare Card in any network clinic for general practitioner’s consultations, Chinese medicine practitioner treatments or specialist’s consultations. Consultations in network clinics are subject to a co-payment of HK$30 for the 80% reimbursement option and no co-payment is required for the 100% reimbursement option.

Plan Level (3A) Maximum Limit (HK$)
Benefit Items Supreme A Superb A Super A
General Practitioner’s Consultation
– 1 visit per day, limit per visit
350 260 200
Chinese Medicine Practitioner Treatment
– Including Chinese bone-setting and acupuncture
– 15 visits per year, 1 visit per day, limit per visit
180 150 120
Max. 35 visits per year for the above treatments
Specialist’s Consultation
– Referral letter is required
– 10 visits per year, 1 visit per day, limit per visit
520 400 300
Prescribed Medicines and Drugs
– Prescription letter is required for procurement from
outside pharmacy
– Limit per year
7,800 5,800 4,300
Diagnostic X-rays and Laboratory Tests
– Referral letter is required
– Limit per year
2,500 1,900 1,500
Physiotherapy and Chiropractic Services
– 10 visits per year, 1 visit per day, limit per visit
350 260 200
Plan Level (3B) Maximum Limit (HK$)
Benefit Items Supreme B Superb B Super B
General Practitioner’s Consultation
– 1 visit per day, limit per visit
350 260 200
Chinese Medicine Practitioner Treatment
– Including Chinese bone-setting and acupuncture
– 15 visits per year, 1 visit per day, limit per visit
180 150 120
Max. 30 visits per year for the above treatments
Specialist’s Consultation
– Referral letter is required
– 10 visits per year, 1 visit per day, limit per visit
520 400 300
Physiotherapy and Chiropractic Services
– 10 visits per year, 1 visit per day, limit per visit
350 260 200

Health Checkup Program

1. Free Annual Checkup Program.

2. Extended Health Checkup Program.

Important Notes

  • No Hospital Bills to Pay only applicable to admission to private hospitals in Hong Kong. A Hospitalization Pre-registration Form is required to be completed and return to Blue Cross for registration and authorization process at least 4 working days prior to admission. The liability of Blue Cross under the policy is limited to indemnify the insured for the eligible medical expenses payable in accordance with the Super Medical Insurance Series. Blue Cross shall recover from the insured the medical expenses settled on behalf of the insured which fall outside coverage of the policy (if any).
  • Guaranteed Lifetime Renewal is not applicable to Optional Supplementary Medical Benefits. Renewal is guaranteed (subject to the availability of the Plan at the time of renewal) and Blue Cross will neither charge extra premium nor impose additional exclusions on an individual policy based on the insured’s health status and claims history at the time of renewal. However, Blue Cross reserves the right to revise the terms and conditions of the policy and adjust the premium upon policy renewal due to, for example, age-related adjustment, a particular risk class or change of risk class.
  • In the event that after the insurance coverage for that insured is renewed at a No Claim Discount, a claim by that insured for any benefit under the Basic Hospital and Surgical Benefits section, which has accrued in the previous period of insurance, is paid or becomes payable by Blue Cross, the policyholder shall reimburse the discounted amount to Blue Cross within 21 days from the date of the invoice. No benefits shall be payable to the insured under this policy unless the discounted amount is received by Blue Cross.
  • Reasonable and Customary refers to a charge for medical treatments, services or supplies which does not exceed the general level of charges being charged by the relevant service providers or suppliers of similar standing in the locality where the charge is incurred for similar treatments, services or supplies to individuals of the same sex and age, for a similar disease or injury. The Reasonable and Customary charges shall not in any event exceed the actual charges incurred. In determining whether an expense is Reasonable and Customary, Blue Cross may make reference to the following (if applicable): a) the gazette issued by the Hong Kong Government which sets out the fees for the private patient services in public hospitals in Hong Kong; b) industrial treatment or service fee survey; c) internal claim statistics; d) extent or level of benefit insured; and/or e) other pertinent source of reference in the locality where the treatments, services or supplies are provided.
  • Medically Necessary refers to the need to have treatment or service for the purpose of treating a disability in accordance with the generally accepted standards of medical practice and such treatment or service must: a) require the expertise of a qualified medical practitioner; b) be consistent with the diagnosis and necessary for the treatment of the condition; c) be rendered in accordance with professional and prudent standards of medical practice, and not be rendered primarily for the convenience or the comfort of the Insured, his/her family members, caretaker or attending qualified medical practitioner; and d) be rendered in the most cost-efficient manner and setting appropriate in the circumstances.

Exclusions

  • Treatment or test which is not Medically Necessary; or purchase of drugs which are not prescribed by a physician.
  • Confinement solely for the purpose of general checkup, diagnostic X-ray, advanced imaging, laboratory test or physiotherapy.
  • Treatment related to Congenital Conditions (except Hernias, Strabismus and Phimosis) or Developmental Conditions or disease of similar kind.
  • Pre-existing Conditions.
  • Expenses directly or indirectly arising from Human Immunodeficiency Virus (“HIV”) and its related Disability, including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutations, derivation or variations thereof, consequential upon an HIV infection occurring before the Insured Effective Date.
  • Treatment or Disability directly or indirectly arising from or consequent upon: the abuse of drugs or alcohol, self-inflicted injuries or attempted suicide, illegal activity, or driving or maneuvering machines whilst exceeding the prescribed alcohol and drug limit, or venereal and sexually transmitted disease or its sequel.
  • Any charges in respect of services for beautification, cosmetic purposes or non-medically related conditions; expenses for hearing tests, routine blood tests, general check-ups, vaccinations or inoculations, etc.
  • Treatment of a dental condition and oral surgery (except treatment of an emergency and surgery arising from an accident received by an insured during confinement) as well as follow up treatment of the dental condition or oral surgery whether as an inpatient or outpatient.
  • All investigation, treatment, surgical procedure and counselling service relating to maternity conditions and its complications, including diagnostic tests for pregnancy or resulting childbirth, abortion or miscarriage; birth control or reversal of birth control; sterilization or sex reassignment of either sex; infertility, etc.
  • Treatment directly or indirectly arising from any psychotic, psychological, or psychiatric conditions and any physiological or psychosomatic manifestations thereof.
  • Treatment or Disability directly or indirectly arising from war (declared or undeclared), civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection or military or usurped power; resulting from taking part in military, air force, naval and other disciplinary services.

Blue Cross Medical Insurance Please refer to the Key Feature and Policy documents for full and up to date details

 

Compare Find And Buy The Best Low Cost Affordable Health Insurance Plans In Hong Kong

Discover The Difference

 

Blue Cross Tycoon Medical Insurance Plan

Offering Flexible Health Protection

Tycoon Medical Insurance Plan

While enjoying your success and achievements in career, it is time to plan ahead for your health and family.

With today’s advanced technology, newer and better therapies are available but usually cost patients a fortune. Being a successful person, you deserve a quality and comprehensive health protection plan which enables you to afford the best possible treatments financially even if critical illnesses strike you out of the blue.

With an ample amount of protection up to US$2,800,000 per year, together with a diverse range of benefit items, Tycoon Medical Insurance Plan enables you to customize an all-round medical and health protection plan that best suits your specific needs, allowing you to enjoy a colorful and worry-free life.

Plan Highlights

Flexible combination of coverage
Your choice of Cover Area, Overall Annual Limit, Annual Deductible and Type of Accommodation as required
3 Optional Benefits: Outpatient Benefits, Maternity Benefits, Dental Benefits
Provide 3 plan levels namely Platinum, Gold, and Silver, with overall annual limits of US$2,800,000, US$2,000,000, and US$1,380,000 respectively
All-round protection + care for cancer and chronic illnesses
Your choice of attending doctors and private hospitals
Full cover for most items under Hospital and Surgical Benefits
Special Treatment Benefits for cancer and chronic illnesses
Pre- and Post-Hospitalization Benefits
Accidental Treatment Benefits
Supportive services
Second Medical Opinion, Cashless Priority Discharge, Pre-hospitalization Claim Assessment, 24-hour Worldwide Emergency Aid
Guaranteed renewal up to age 99
Guaranteed renewal regardless of individual health status or claims history
Worldwide coverage
Allow immediate hospitalization for treatment when travelling abroad for business or leisure
Easy application
No medical examination is required
No claim discount
Upon renewal, the insured will receive No Claim Discount on the premium of the Basic Benefits if no claim has been made under Basic Benefits in below no claim period

No claim period immediately preceding renewal Discount rate
1 year 5%
2 consecutive years 5%
3 consecutive years 10%
4 consecutive years 10%
5 consecutive years or more 15%

Plan Features

Flexible Coverage for all Stages of Life

With a wide range of protection options, Tycoon Medical Insurance Plan provides you with highly flexible, diversified and cost-effective protection. The Plan offers 3 plan levels, namely Platinum, Gold, and Silver. Platinum and Gold Plans offer 2 cover areas: “Worldwide” or “Worldwide (excluding North America)”, while the Silver Plan covers “Worldwide (excluding North America)”. With a modest premium, the Silver Plan provides you with full cover for most items under Hospital and Surgical Benefits in semi-private room in Hong Kong, Macau and China. Besides, you are entitled to stay in private room when travelling abroad for business or leisure (excluding North America).

Even if you are covered by an existing company medical policy, you still need an extra medical protection that helps cover unexpected medical costs when you are between jobs or retired. To match your personal needs, the Plan offers various choices of annual deductibles, allowing you to enhance medical protection within your budget while taking advantage of the medical benefits offered by your employer. In addition to the basic benefits, you can choose from a range of optional benefits based on your needs, namely Outpatient Benefits, Maternity Benefits, and Dental Benefits.

 All-round Protection to Care for Cancer and Chronic Illnesses

To provide you with the desirable medical coverage, the Platinum, Gold, and Silver Plans offer overall annual limits of US$2,800,000, US$2,000,000, and US$1,380,000 respectively. Benefit items include full cover for most items under Hospital and Surgical Benefits, pre- and post-hospitalization medical costs (including Chinese medicine practitioner treatments like Chinese bone-setting and acupuncture, chiropractic, physiotherapy), accidental treatment costs (including reconstructive surgery). What’s more, the Outpatient Surgery Cash Allowance can offer you even greater flexibility for different medical needs.

Critical and chronic illnesses often impose heavy financial burden on patients due to the high cost of advanced medical treatments, not to mention the stress caused by these illnesses. Therefore, Tycoon Medical Insurance Plan extends its coverage to the high cost of special treatments incurred for various chronic illnesses, including cancer treatments (such as chemotherapy, radiotherapy and targeted therapies), kidney dialysis, organ transplants (including marrow transplants), AIDS treatments.

Second Medical Opinion

Patients suffering from critical illnesses often want to seek second opinion from independent medical experts before making their final decision on treatment options. A top-notch international medical team will offer our insured a second medical advice for free, enabling patients to better understand their situation and make informed choices on treatment.

Cashless Priority Discharge

If you are admitted to a private hospital in Hong Kong, simply inform Blue Cross before admission, and your hospital bills will then be settled directly by us. This gives you great convenience and no hassle of claim reimbursement upon discharge, allowing you to focus on making a speedy, worry-free recovery.

If you wish to check whether the relevant medical expenses are eligible and can be fully covered by the Plan before hospitalization, please call our Customer Service Hotline and let our dedicated team provide you with advice and Pre-hospitalization Claim Assessment.

24-hour Worldwide Emergency Aid      

In the event of emergency while travelling overseas for business or leisure, you can receive medical, legal and travel assistance anytime, anywhere in the world. Simply make a call to our 24-hour Worldwide Emergency Aid hotline.

Guaranteed Renewal up to Age 99        

After enrollment, we guarantee your policy will be renewable till the age of 99, giving you coverage up to age 100. No additional premium will be imposed individually upon policy renewal, regardless of your health status or claims history. This gives you and your family the real peace of mind at different stages of life.

Tailor Your Worldwide Protection         

With 3 plan levels offering different overall annual limits, 3 choices of annual deductibles and 3 optional benefits, you can tailor-make a cost-effective yet flexible medical protection plan to cater for your own needs.

Plan Level First, choose the Plan Level

‧ Platinum US$2,800,000
‧ Gold US$2,000,000
‧ Silver US$1,380,000
Cover Area Next, select the Cover Area

‧ Worldwide (Not applicable to Silver Plan)
‧ Worldwide (excluding North America)
Annual Deductible
Up to 62% Premium Saving
Then, decide the Annual Deductible

‧ Platinum and Gold Plans ‧ Silver Plan
   –  US$0    –  US$0
   –  US$5,000    –  US$2,000
   –  US$8,000    –  US$5,000
Optional Benefits Finally, opt for the Optional Benefits

‧ Outpatient Benefits
‧ Maternity Benefits
‧ Dental Benefits

Plan Coverage

Plan Level Platinum Gold Silver
Overall Annual Limit (Per insured) US$2,800,000 US$2,000,000 US$1,380,000
Overall Lifetime Limit (Per insured) US$7,000,000 US$3,500,000
Type of Accommodation Private Room Private Room/Semi-private Room
Benefit Items Annual Limit Per Insured
Platinum Gold Silver
Basic Benefits
A. Hospital and Surgical Benefits
1. Room and Board Full Cover Full Cover Full Cover
2. Surgeon’s Fees
3. Anaesthetist’s Fees
4. Operating Theatre Fees
5. Physician’s Visit Fees
6. Specialist’s Fees
7. Charges for Intensive Care
8. Private Nurse’s Fees (Max. 120 days)
9. Companion Bed for Insured Child
10. Miscellaneous Hospital Charges
11. Fees for Outpatient Surgery
12. Outpatient Surgery Cash Allowance US$250
per surgical procedure
US$250
per surgical procedure
US$250
per surgical procedure
B. Pre- and Post-Hospitalisation Benefits
1. Pre-Hospitalisation Outpatient Consultation (Within 30 days prior to hospitalisation) Full Cover Full Cover Full Cover
2. Post-Hospitalisation Outpatient Consultation (Within 60 days after hospitalisation) Full Cover Full Cover Full Cover
3. Post-Hospitalisation Auxiliary Treatment (Within 60 days after hospitalisation)

Chinese Medicine Practitioner Treatment (including Chinese Bone-setting and Acupuncture), Chiropractic, Physiotherapy, Homeopathy and Osteopathy
US$650 US$350 US$350
4. Post-Surgery Home Nursing (Within 28 weeks after hospitalisation) (Max. 196 days) Full Cover Full Cover Full Cover
C. Special Treatment Benefits
1. Cancer Therapy

Chemotherapy, Radiotherapy and Targeted Therapies
Full Cover Full Cover Full Cover
2. Kidney Dialysis
3. Organ Transplant
4. HIV/AIDS Treatment (Waiting period: 5 years) US$10,000 US$10,000 US$10,000
5. Complications of Pregnancy (Waiting period: 1 year) US$15,000 US$15,000 US$15,000
6. Mental or Psychological Treatment (Inpatient treatment only) US$6,000 US$4,000 US$4,000
7. Hormone Replacement Therapy for Menopause Full Cover Full Cover Full Cover
8. Traditional Chinese Medicine Treatment (Inpatient treatment only) US$1,300 US$650 US$650
9. Prosthetic Devices Expenses Full Cover Full Cover Full Cover
10. Hospice Care US$10,000 N/A N/A
D. Accidental Treatment Benefits
1. Emergency Treatment (Must be provided by hospital) Full Cover Full Cover Full Cover
2. Damaged Teeth
3. Reconstructive Surgery (Inpatient treatment only)
E. Supportive Services
1. Second Medical Opinion
2. Cashless Priority Discharge
3. 24-hour Worldwide Emergency Aid
Optional Benefits
A. Outpatient Benefits
1. Outpatient Consultation

General Practitioner’s Consultation, Specialist’s Consultation and Doctor On-call Service
Full Cover
2. Alternative Treatments

Chinese Medicine Practitioner Treatment (including Chinese Bone-setting and Acupuncture), Chiropractic, Physiotherapy, Homeopathy, Osteopathy, Hypnotherapy and Mental Treatment
Full Cover
(1 visit per day per type of treatment)
3. Diagnostic X-rays and Laboratory Tests

Including Computerised Tomography, Magnetic Resonance Imaging, Gait Scans, etc.
Full Cover
4. Prescribed Medicines and Drugs Full Cover
5. Health Examinations and Vaccinations

Annual Health Checkup
Annual Eye Examination
Annual Dental Examination
Vaccinations
US$650
B. Maternity Benefits
1. Normal Delivery (Waiting period: 1 year) US$7,500
2. Caesarean Section (Waiting period: 1 year) US$15,000
3. Miscarriage or Therapeutic Abortion (Waiting period: 90 days) US$5,000
C. Dental Benefits
1. Oral Examination and Scale & Polish Full Cover (Twice per year)
2. Routine Treatments (Waiting period: 90 days)

Including Tooth Fillings, Tooth Extractions, X-ray, Inlays, Onlays, Abscesses, Root Canal Work, Periodontal Surgery and Medications
US$2,000
3. Restoration Treatments (Waiting period: 90 days)

Including Surgeries for Removal of Wisdom Teeth/Impacted Teeth, Dentures, Crowns, Bridges, Implants and Orthodontic Treatment, Anaesthesia, Pins for Cusp Restoration, Apicoectomy, Soft-tissue Impaction, Bony Impaction and Gold Inlays

Important Notes

  • The Annual Deductible is only applicable to the Basic Benefits. With respect to an insured of age 50, 55, 60 or 65 at renewal, the policyholder may apply for lowering the Annual Deductible within 31 days before or after the relevant renewal without providing Blue Cross with further evidence of the insured’s health status. This right can only be exercised once during the lifetime of an insured and is irrevocable. The change shall only take effect on renewal and subject to the approval of Blue Cross.
  • If an insured, whether voluntarily or involuntarily, is confined in a room of a standard: a) exceeding a semi-private room but not exceeding a private room in Hong Kong, Macau or China under the Silver Plan, the benefit payable under Hospital and Surgical Benefits shall be limited to 50% of the eligible expenses; or b) exceeding a private room, the benefit payable under Hospital and Surgical Benefits shall be limited to 25% of the eligible expenses.
  • To enroll in the optional Maternity Benefits, customers must also opt for the Outpatient Benefits.
  • The liability of Blue Cross for Cashless Priority Discharge under the policy is limited to indemnifying the insured for the eligible medical expenses payable in accordance with the Plan. Blue Cross shall recover from the insured the medical expenses settled which fall outside coverage of the policy (if any).
  • The insured must complete and submit the Pre-hospitalization Claim Assessment Form. Assessment of the estimated eligible claim amounts is for reference only, the actual eligible claim amounts will be subject to the final claim decision.
  • Guaranteed Renewal up to Age 99 is not applicable to the Maternity Benefits. Renewal is guaranteed (subject to the availability of the Plan at the time of renewal) and Blue Cross will neither charge extra premium nor impose additional exclusions on an individual policy based on the insured’s health status and claims history at the time of renewal. However, Blue Cross reserves the right to revise the terms and conditions of this policy and adjust the premium upon policy renewal due to, for example, age-related adjustment, a particular risk class or change of risk class.

About Cover Area:

–  The cover area of Outpatient Benefits must be the same as that of the Basic Benefits.

–  If the cover area of “Worldwide (excluding North America)” is selected or applied, this policy will not provide any cover in North America except for emergency treatment and/or service.

–  For the Basic Benefits and the Outpatient Benefits, customers who have resided or have stayed/studied in North America for 6 months or more in the past 12 months, or customers planning to reside, stay or study in North America in the next 12 months, or North American citizens, are only eligible to select “Worldwide (excluding North America)” as the cover area.

–  Upon policy renewal, Blue Cross reserves the right to change the cover area from “Worldwide” to “Worldwide (excluding North America)” if the insured has resided in North America for 6 months or more in the past 12 months.

–  During the period of insurance, the policyholder shall give immediate notice to Blue Cross in respect of any change of address, residency, occupation of an insured or any other change of risk which may affect the cover of this policy. Blue Cross reserves the right to adjust the premium for any period, in the past or future, the benefits and other terms and conditions of this policy to effect such change of risk. The policyholder shall pay any additional premium as required before any benefit is payable under this policy. If the change of residency shall result in the insured being not insurable according to Blue Cross’ underwriting rules, renewal of insurance coverage under this policy will cease and Blue Cross will endeavor to transfer the insured to another available medical insurance plan.

  • In the event that after the insurance coverage for that insured is renewed at a No Claim Discount, a claim by that insured for any benefit under the Basic Benefits section, which has accrued in the previous period of insurance, is paid or becomes payable by Blue Cross, the policyholder shall reimburse the discounted amount to Blue Cross within 21 days from the date of the invoice. No benefits shall be payable to the insured under this policy unless the discounted amount is received by Blue Cross.
  • Outpatient Surgery Cash Allowance is only applicable to the following day-case surgical procedures: gastroscopy (including esophagogastroduodenoscopy),colonoscopy, cystoscopy, arthroscopy, colposcopy and bronchoscopy.
  • Overall Lifetime Limit refers to the maximum aggregate amount of cover under all policies of Tycoon Medical Insurance Plan an insured is entitled to during his lifetime, regardless of whether those policies are terminated, in force or have expired.
  • Reasonable and Customary refers to a charge for medical treatments, services or supplies which does not exceed the general level of charges being charged by the relevant service providers or suppliers of similar standing in the locality where the charge is incurred for similar treatments, services or supplies to individuals of the same sex and age, for a similar disease or injury. The Reasonable and Customary charges shall not in any event exceed the actual charges incurred. In determining whether an expense is Reasonable and Customary, Blue Cross may make reference to the following (if applicable): a) the gazette issued by the Hong Kong Government which sets out the fees for the private patient services in public hospitals in Hong Kong; b) industrial treatment or service fee survey; c) internal claim statistics; d) extent or level of benefit insured; and/or e) other pertinent source of reference in the locality where the treatments, services or supplies are provided.
  • Medically Necessary refers to the need to have treatment or service for the purpose of treating a medical condition or dental condition in accordance with the generally accepted standards of medical practice and such treatment or service must: a) require the expertise of a qualified medical practitioner; b) be consistent with the diagnosis and necessary for the treatment of the condition; c) be rendered in accordance with professional and prudent standards of medical practice, and not be rendered primarily for the convenience or the comfort of an insured, his/her family members, caretaker or attending qualified medical practitioner; and d) be rendered in the most cost-efficient manner and setting appropriate in the circumstances.

Exclusions

  • Pre-existing conditions.
  • Treatment or test which is not Medically Necessary; or purchase of drugs which are not prescribed by a physician.
  • Except as otherwise provided in the Terms and Conditions for “Health Examinations and Vaccinations” in the policy, confinement solely for the purpose of general checkup; diagnostic X-ray; advanced imaging; laboratory tests; genetic testing; counselling or physiotherapy.
  • Treatment related to congenital conditions (except Hernias, Strabismus and Phimosis) or developmental conditions or disease of similar kind (except the neo-natal abnormalities which become apparent after an insured reaches the age of 12).
  • Except as otherwise provided in Terms and Conditions for “HIV/AIDS Treatment” in the policy, expenses directly or indirectly arising from Human Immunodeficiency Virus (HIV) and its related medical condition, including AIDS and/or any mutations, derivation or variations thereof, consequential upon an HIV infection.
  • Treatment or medical condition directly or indirectly arising from or consequent upon the abuse of drugs or alcohol, self-inflicted injuries or attempted suicide, illegal activity, or driving or maneuvering machines whilst exceeding the prescribed alcohol and drug limit, or venereal and sexually transmitted disease or its sequel.
  • Charges in respect of services for beautification or cosmetic purposes; including any related and associated medical conditions arising therefrom, and expenses in relation to but not limited to hearing tests, routine blood tests, general checkups, vaccinations or inoculations (except as otherwise provided in the Terms and Conditions for “Health Examinations and Vaccinations” in the policy), etc.
  • Except as otherwise provided in the Terms and Conditions for “Damaged Teeth” or “Dental Benefits” in the policy, treatment of a dental condition and oral surgery (except treatment of an emergency and surgery arising from an accident received by the insured during confinement) as well as follow up treatment of the dental condition or oral surgery whether as an inpatient or outpatient.
  • Except as otherwise provided in the Terms and Conditions for “Maternity Benefits” or “Complications of Pregnancy” in the policy, all investigations, treatments, surgical procedure, counselling services and genetic testing relating to maternity conditions and its complications, including diagnostic tests for pregnancy or resulting childbirth, abortion or miscarriage; birth control or reversal of birth control; sterilization or sex reassignment of either sex; infertility, etc.
  • Except as otherwise provided in the Terms and Conditions for “Miscellaneous Hospital Charges” or “Prosthetic Devices Expenses” in the policy, purchase of prosthetic devices, purchase or rental of durable medical equipment or appliances including but not limited to wheelchairs, beds and furniture, airway pressure machines and masks, portable oxygen and oxygen therapy devices, dialysis machines, exercise equipment, spectacles, hearing aids, special braces, walking aids, over-the-counter drugs, air purifiers or conditioners and heat appliances for home use.
  • Except as otherwise provided in the Terms and Conditions for “Mental or Psychological Treatment” or “Alternative Treatments” in the policy, treatment or medical condition directly or indirectly arising from any psychotic, psychological, or psychiatric conditions and any physiological or psychosomatic manifestations thereof.
  • Except as otherwise provided in the Terms and Conditions for “Post-Hospitalization Auxiliary Treatment” or “Alternative Treatments” in the policy, other alternative treatments including but not limited to Chinese medicine, acupressure, tui-na, hypnotism, qigong, massage therapy, aromatherapy and such alike.
  • Treatment or medical condition directly or indirectly arising from war (declared or undeclared), civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection or military or usurped power; resulting from taking part in military, air force, naval and other disciplinary services.

All applicable to Basic Benefits and Optional Benefits

Blue Cross Medical Insurance Please refer to the Key Feature and Policy documents for full and up to date details

 

Compare Find And Buy The Best Low Cost Affordable Health Insurance Plans In Hong Kong

Discover The Difference

 

Blue Cross Taipan Medical Insurance Plan

Life is full of uncertainties, no one knows for sure when accidents or illnesses will strike. Long-term or serious illnesses may cause you unexpected financial burden. Taipan Medical Insurance Plan provides you with a secured safety net and comprehensive medical protection, allowing you to concentrate on your treatment for a speedy, worry-free recovery.

Taipan Medical Insurance Plan

Plan Features

Comprehensive Protection Makes You Worry-free

Comprehensive Worldwide Health Plan

No matter where you are and what medical services you received, all your reasonable medical expenses are covered up to the maximum limit of the plan.

No Additional Charges on Claims Basis upon Renewal

Regardless of your claims history and the change of health status, no additional premium will be imposed individually upon policy renewal.

Guaranteed Lifetime Renewal

After enrollment, we guarantee your policy will be renewable for lifetime, regardless of your health status or claims history.

Coverage for Prolonged and Advanced Treatments

Chronic treatments always impose heavy financial burdens to patients. We offer coverage for chronic treatments to relieve your financial burden due to prolonged recovery such as kidney dialysis, cancer therapy, organ transplantation, tumour related treatment and pacemaker implantation, etc.

What’s more, we also extend to cover the medical expenses incurred by advanced medical technologies or procedures like cyber knife, gamma knife and tomotherapy.

Coverage for Non-admission or Day Case Surgery

We always strive to give you the protection in your moments of need. Our coverage also includes treatments/surgeries such as radiotherapy, chemotherapy, endoscopic procedures, cataract operations, extracorporeal shockwave lithotripsy, etc. which do not require inpatient admission and are undertaken in the clinics or day case units of hospitals.

Coverage for Pre- and Post-Surgical Treatments

Covering both pre- and post-surgical treatments related to the same injury or illness. The coverage includes one pre-surgical consultation and all follow-up clinic consultations including Chinese medicine practitioner treatments of up to 5 visits within 6 weeks after surgical operation.

Free Coverage for Newborn Infant

If both parents are covered under Taipan Medical Insurance Plans, newborn infant will be covered under the Basic Plan from the age of 12 days until the next policy renewal date.

No Claim Discount

Upon renewal, the insured will receive No Claim Discount on the premium of the Basic Plan if no claim has been made under Basic Plan in below no claim period.

No Claim Period Immediately
Preceding Renewal
Discount Rate
1 year 5%
2 consecutive years 5%
3 consecutive years 10%
4 consecutive years 10%
5 consecutive years or more 15%

Plan Coverage

Basic Hospital and Surgical Benefits

The benefits cover 100% of eligible expenses in excess of a deductible amount (if chosen) of the applicable benefit for each disability, subject to the following maximum limit per disability:

Benefit Items Maximum Limit Per Disability (US$)
Room and Board
– Unlimited days of stay
Full Cover
Miscellaneous Hospital Charges
– Such as operating theatre charges,
diagnostic X-ray, laboratory tests, surgical
appliances, intensive care, medicine anddrugs
Full Cover
Surgeon’s Fees Full Cover
Anaesthetist’s Fees Full Cover
Companion Bed for Insured Child
Applicable to insured below aged 19 (Unlimited days of stay)
Full Cover
Physician’s Visit Fees, Specialist’s Fees, Pathologist’s and Radiologist’s Fees Full Cover
Registered Private Nurse’s Fees and Physiotherapy Services Full Cover
Special Charges
1. Blood and blood plasma
2. Prosthetic devices
Full Cover
Mental or Psychological Treatment
– Limit per day
– Limit per year
150
4,000
Outpatient Surgery Cash Allowance*
per surgical procedure
200

Below choices of deductible are offered for you to enjoy Basic Hospital and Surgical Benefits with lower premium:

Deductible Amount Per Disability US$ 1,000 / 2,000 / 3,000
Please refer to the premium tables

Maternity Benefits

The benefits cover 100% of hospital inpatient charges, surgeon’s fees and special charges (including pre- and post-natal care clinical consultation and up to 7-day nursing care), subject to the following maximum limit:

Benefit Items Maximum Limit (US$)
Caesarean Section (Waiting period: 365 days) 5,000
Normal Delivery (Waiting period: 365 days) 4,200
Miscarriage or Therapeutic Abortion (Waiting period: 90 days) 3,600

Extra Free Benefits

  • Personal Liability Benefits
  • Personal Effects
  • 24-hour Worldwide Emergency Aid

Optional Benefits

Optional Outpatient Benefits

According to the level of reimbursement you have selected, these benefits cover 100% or 80% of eligible outpatient expenses of the benefit items.

Optional Dental Benefits

The benefits cover 100% of eligible expenses of dental services including oral examination and scale and polish up to the designated maximum limit.

Optional One Million Coverage Benefits

For those who look for a more ample-amount coverage, the overall maximum limit of Basic Hospital and Surgical Benefits, Maternity Benefits, and Optional Outpatient Benefits can be increased to US$1,000,000 per disability – subject to the limit of each benefit item

Personal Accident Benefits

Covers accidental death or disablement due to accidents according to the table of benefits (please refer to brochure for details).

Preventive Care

 A free annual check up program is designed exclusively for Taipan Medical Insurance Plan with details below:

  1. Annual Health Check up
  2. Annual Dental Check up
  3. Optional Check up Programme

Important Notes

  • No Hospital Bills to Pay only applicable to admission to private hospitals in Hong Kong. A Hospitalization Pre-registration Form is required to be completed and return to Blue Cross for registration and authorization process at least 4 working days prior to admission. The liability of Blue Cross under the policy is limited to indemnify the insured for the eligible medical expenses payable in accordance with the Taipan Medical Insurance Plan. Blue Cross shall recover from the insured the medical expenses settled on behalf of the insured which fall outside coverage of the policy (if any).
  • Guaranteed Lifetime Renewal is not applicable to Optional One Million Coverage Benefits and Optional Personal Accident Benefits. Renewal is guaranteed (subject to the availability of the Plan at the time of renewal) and Blue Cross will neither charge extra premium nor impose additional exclusions on an individual policy based on the insured’s health status and claims history at the time of renewal. However, Blue Cross reserves the right to revise the terms and conditions of the policy and adjust the premium upon policy renewal due to, for example, age-related adjustment, a particular risk class or change of risk class.
  • In the event that after the insurance coverage for that insured is renewed at a No Claim Discount, a claim by that insured for any benefit under the Basic Plan section, which has accrued in the previous period of insurance, is paid or becomes payable by Blue Cross, the policyholder shall reimburse the discounted amount to Blue Cross within 21 days from the date of the invoice. No benefits shall be payable to the insured under this policy unless the discounted amount is received by Blue Cross.
  • Reasonable and Customary refers to a charge for medical treatments, services or supplies which does not exceed the general level of charges being charged by the relevant service providers or suppliers of similar standing in the locality where the charge is incurred for similar treatments, services or supplies to individuals of the same sex and age, for a similar disease or injury. The Reasonable and Customary charges shall not in any event exceed the actual charges incurred. In determining whether an expense is Reasonable and Customary, Blue Cross may make reference to the following (if applicable): a) the gazette issued by the Hong Kong Government which sets out the fees for the private patient services in public hospitals in Hong Kong; b) industrial treatment or service fee survey; c) internal claim statistics; d) extent or level of benefit insured; and/or e) other pertinent source of reference in the locality where the treatments, services or supplies are provided.
  • Medically Necessary refers to the need to have treatment or service for the purpose of treating a disability in accordance with the generally accepted standards of medical practice and such treatment or service must: a) require the expertise of a qualified medical practitioner; b) be consistent with the diagnosis and necessary for the treatment of the condition; c) be rendered in accordance with professional and prudent standards of medical practice, and not be rendered primarily for the convenience or the comfort of the Insured, his/her family members, caretaker or attending qualified medical practitioner; and d) be rendered in the most cost-efficient manner and setting appropriate in the circumstances.

Exclusions          

  • Treatment or test which is not Medically Necessary; or purchase of drugs which are not prescribed by a physician.
  • Confinement solely for the purpose of general check  up, diagnostic X-ray, advanced imaging, laboratory test or physiotherapy.
  • Treatment related to Congenital Conditions (except Hernias, Strabismus and Phimosis) or Developmental Conditions or disease of similar kind.
  • Pre-existing Conditions.
  • Expenses directly or indirectly arising from Human Immunodeficiency Virus (“HIV”) and its related Disability, including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutations, derivation or variations thereof, consequential upon an HIV infection occurring before the Insured Effective Date.
  • Treatment or Disability directly or indirectly arising from or consequent upon: the abuse of drugs or alcohol, self-inflicted injuries or attempted suicide, illegal activity, or driving or maneuvering machines whilst exceeding the prescribed alcohol and drug limit, or venereal and sexually transmitted disease or its sequel.
  • Any charges in respect of services for beautification, cosmetic purposes or non-medically related conditions; expenses for hearing tests, routine blood tests, general check-ups, vaccinations or inoculations, etc.
  • Except as otherwise provided in the Terms and Conditions for “Optional Dental Benefits” in the policy, treatment of a dental condition and oral surgery (except treatment of an emergency and surgery arising from an accident received by an insured during confinement) as well as follow up treatment of the dental condition or oral surgery whether as an inpatient or outpatient.
  • Except as otherwise provided in the Terms and Conditions for” Normal Delivery/Cesarean Section” and “Miscarriage or Therapeutic Abortion” in the policy, all investigation, treatment, surgical procedure and counselling service relating to maternity conditions and its complications, including diagnostic tests for pregnancy or resulting childbirth, abortion or miscarriage; birth control or reversal of birth control; sterilization or sex reassignment of either sex; infertility, etc.
  • Except as otherwise provided in the Terms and Conditions for “Mental or Psychological Treatment” in the policy, treatment directly or indirectly arising from any psychotic, psychological, or psychiatric conditions and any physiological or psychosomatic manifestations thereof.
  • Treatment or Disability directly or indirectly arising from war (declared or undeclared), civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection or military or usurped power; resulting from taking part in military, air force, naval and other disciplinary services.

Applicable to the Basic Plan, Optional Outpatient Benefits and Optional Dental Benefits.

Blue Cross Medical Insurance Please refer to the Key Feature and Policy documents for full and up to date details

 

Compare Find And Buy The Best Low Cost Affordable Health Insurance Plans In Hong Kong

Discover The Difference

 

Blue Cross All-in-one Outpatient Insurance

Health is your most precious asset. However, when you’re feeling fine and life keeps you busy, it’s easy to overlook health issues. The best way for you to ensure that your body remains healthy is to have regular check-ups and consult a doctor whenever you experience physical signs that concern you.

Blue Cross All-in-one Outpatient Insurance is specially designed for you to live life to the fullest. The plan helps lessen the burden of health care expenses and includes a wide range of general and specialist consultation services plus preventive and diagnostic tests to ensure your body stays in tip top shape for life. The plan also covers clinical procedures to be performed at the designated network clinics.

All-in-one Outpatient Insurance

Plan Highlights

Extensive Doctor Network

A network of over 400 doctors throughout Hong Kong Island, Kowloon, and the New Territories is available to serve you. You simply need to present your medical card and personal identification document to obtain covered medical care at the designated network clinics.

General Practitioner Outpatient Services

By paying co-payment according to the selected plan at the designated network clinics, you are eligible to enjoy an unlimited number of general consultation services.

Specialist Consultation               

Upon a network doctor’s referral, you are eligible to receive specialist consultation services upon appropriate co-payment. The maximum number of visits per year will be based on the plan selected.

Clinical Procedures

Providing comprehensive outpatient coverage, this plan covers over 20 specific clinical procedures that can be performed in the designated network clinic, upon network doctor’s recommendation.

Free Preventive Care Check-up              

Each insured person of Plan B & Plan C is entitled to one free preventive check-up at a designated centre, once a year. The check-up includes a basic physical examination and any 3 of the following 8 items: Complete Blood Count, Total Cholesterol, Triglycerides, Fasting Glucose, AST, ALT, Uric Acid and Urinalysis.

Diagnostic X-ray and Laboratory Test

Upon a network doctor’s referral, Plan B & Plan C also cover diagnostic X-ray and laboratory test. No co-payment is required for Plan C.

Plan Coverage

Schedule of Benefits Plan A (HK$) Plan B (HK$) Plan C (HK$)
General Practitioner Consultation in doctor’s office including medication for 3 days
– Co-payment per visit
– No. of visits per year (1 visit per day)
30
Unlimited
30
Unlimited
30
Unlimited
Specialist Consultation including medication for 3 days (Subject to referral)
– Co-payment per visit
– No. of visits per year (1 visit per day)
80
5 visits
80
12 visits
80
Unlimited
Chinese Medicine Practitioner Consultation (General Practice Only) including 2 packs of medication
– Co-payment per visit
– No. of visits per year (1 visit per day)
N/A
N/A
30
5 visits
30
10 visits
Diagnostic X-ray and Laboratory Test
(Subject to referral)
– Co-payment per visit
– No. of visits per year (1 visit per day)
N/A
N/A
20%
2000
0%
5000
Physiotherapist Treatment
(Subject to referral)
N/A
N/A
N/A
N/A
60
10 visits
Clinical Procedures
– Co-payment per visit
– No. of visits per year (1 visit per day)
20%
4000
20%
4000
20%
4000
Preventive Check-up N/A Once per year Once per year

Major Exclusions

This plan does not cover medical expenses arising from:

  • Congenital and pre-existing conditions
  • Long-term repeated medication that exceeds 3-day treatment. No medication will be provided for treatment of chronic diseases including but not limited to Chronic Bronchitis, Chronic Eczema, Diabetes Mellitus, Hypertension, Onychomycosis.
  • Any treatment for infectious diseases such as sexually transmitted diseases, and treatment of the human immunodeficiency virus, AIDS, or AIDS-related complications and tuberculosis.
  • Intentional self-inflicted injury, alcoholism, or drug addiction.
  • Cosmetic medical services and plastic surgery for the purpose of beautification, eye refraction or eye sight test, hearing aids and prosthetic limbs.
  • Pregnancy, childbirth, miscarriage, abortion, prenatal or postnatal care, contraceptive methods or treatment pertaining to infertility.
  • Female hormonal tests or assays and female hormonal replacement therapy (unless resulting from a disease).
  • Dental care and treatment.
  • Psychotic or mental disorders.
  • Specialized X-rays and investigations including mammogram, X-ray with contrast medium, X-ray involving computerized scanning, MRI, ultrasound examination, echo cardiogram, endoscopy, treadmill ECG.
  • Tonic and nutrient herbs including Bird’s Nest, Ginseng, Lingzhi, etc.
  • Any clinical procedures that were not listed in our benefit schedule and those to be performed in hospital.
  • Any treatment not undertaken by the network doctors or designated centre.
  • Any listed clinical procedures when conducted during the first 30 days of the initial period of insurance.

 Blue Cross Medical Insurance Please refer to the Key Feature and Policy documents for full and up to date details

 

Compare Find And Buy The Best Low Cost Affordable Health Insurance Plans In Hong Kong

Discover The Difference

 

Blue Cross Hospital Income Plan “Plus”

Most medical plans cover the cost of your hospitalization, but what about other bills? If you have spent a long period of time in hospital, you may leave your family in a state of financial difficulty.

Hospital Income Plan “Plus” takes up where normal medical insurance leaves off. If you are hospitalised, it pays you a daily income benefit in addition to benefits received from any other insurance plans. You are free to use the cash as you wish: for hospital or medical expenses, household bills, or any other purposes. The benefit is payable from your very first day of confinement in hospital due to accidents and from the second day due to sickness

Hospital Income Plan “Plus”

Plan Highlights

366-day Coverage

Hospital Income Plan “Plus” pays you daily income benefit for up to 366 days for each separate hospital confinement due to accident or sickness. After the policy has been in force for 12 months, any pre-existing medical condition will also be covered.

24-hour Worldwide Coverage

This plan provides total coverage to you at any time and any place worldwide. Whether you are travelling for pleasure or on business, you will receive your daily income benefit if you are hospitalized.

100% Refund of Premium

Upon renewing and completing your policy for 7 consecutive years, you are guaranteed to receive 100% of the total premium paid (annualized premium) if you did not submit a claim within the period.

In Addition:

  • Your choice of daily income benefit up to HK$ 2,000
  • No waiting period, start medical protection once the policy is effective
  • Easy application with no medical examination required

Major Exclusions

  • Hospitalization during the first 12 months of insurance arising from any pre-existing condition.
  • Congenital abnormalities (except Hernias, Strabismus and Phimosis).
  • Physical or other examinations of a routine or preventive nature.
  • Intentional self-inflicted injury, while sane or insane.
  • Chronic alcoholism or drug addiction.
  • Pregnancy, childbirth, abortion or complications therefrom.
  • Mental disorders and rest cures.
  • Cosmetic, plastic or elective surgery.
  • Venereal diseases.
  • HIV-related illnesses including AIDS and/or any mutations, derivation or variation thereof occurring within the 5 years from the policy effective date.
  • Any act of war, riot or civil commotion

Blue Cross Medical Insurance Please refer to the Key Feature and Policy documents for full and up to date details

 

Compare Find And Buy The Best Low Cost Affordable Health Insurance Plans In Hong Kong

Discover The Difference

 

Blue Cross Major Medical Insurance Plan

Major Medical Insurance Plan is a comprehensive worldwide medical insurance plan. It pays 90% of the hospital and surgical expenses up to US$ 250,000 in excess of a designated deductible. For those who look for a more ample-amount coverage, the benefit limit can be increased to US$1,000,000. It is an ideal supplementary policy to your existing medical coverage provided by your employer or any other medical insurance.

Major Medical Insurance Plan

Plan Highlights  Total Peace of Mind – Superior Standalone Plan

Major Medical Insurance is a standalone plan that provides you with an excellent coverage

  • No waiting period. Medical protection starts once the policy takes effect
  • Easy enrollment with no medical examination is required
  • Worldwide coverage with benefit items remain constant regardless of the duration of overseas stay

No Additional Charges on Claims Basis upon Renewal

Regardless of your claims history and the change of health status, no additional premium will be imposed individually upon policy renewal.

Guaranteed Lifetime Renewal^              

After enrollment, we guarantee your policy will be renewable for lifetime, regardless of your health status or claims history.

^Not applicable to Optional Benefits. Renewal is guaranteed (subject to the availability of the Plan at the time of renewal) and Blue Cross will neither charge extra premium nor impose additional exclusions on an individual policy based on the insured’s health status and claims history at the time of renewal. However, Blue Cross reserves the right to revise the terms and conditions of the policy and adjust the premium upon policy renewal due to, for example, age-related adjustment, a particular risk class or change of risk class.

24-hour Worldwide Emergency Aid

If you need assistance in an emergency condition while travelling overseas, just call our 24-hour Worldwide Emergency Aid Hotline at any time, our dedicated officers will provide you with appropriate assistance such as hospital admission deposit guarantee service, medical repatriation, travel information, and medical or legal referral service. You can be sure help is just a call away in case of emergency.

Emergency Medical Assistance in China              

In case of emergency requiring hospitalization in China, simply present the “Medpass Card” and you can receive medical treatments in over 200 network hospitals or medical units without paying any deposits.

No Claim Discount

Upon renewal, the insured will receive No Claim Discount on the premium of the Basic Hospital and Surgical Benefits if no claim has been made under Basic Hospital and Surgical Benefits in below no claim period.

No Claim Period Immediately
Preceding Renewal
Discount Rate
1 year 5%
2 consecutive years 5%
3 consecutive years 10%
4 consecutive years 10%
5 consecutive years or more 15%

Plan Coverage

Basic Hospital and Surgical Benefits

The benefits cover 90% of eligible expenses in excess of a deductible of the applicable benefit for each disability, subject to the following maximum limit per disability:

Benefit Items Maximum Limit Per Disability (US$)
Room and Board
– Limit per day
260
Surgeon’s Fees
– Complex
– Major
– Intermediate
– Minor
15,600
5,500
2,800
1,100
Anaesthetist’s Fees Up to 30% of the eligible Surgeon’s Fee
Miscellaneous Hospital Charges
– Including Intensive Care
Reasonable and customary charges
Physician’s Visit Fees, Specialist’s Fees, Pathologist’s and Radiologist’s Fees
Registered Private Nurse’s Fees and Physiotherapy Services
Special Charges
– Blood and blood plasma
– Prosthetic devices
Complications of Pregnancy
– Limited to severe complication only, such as toxemia,
eclampsia and pre–eclampsia or of equivalent
severity
Mental or Psychological Treatment
– Limit per day
– Limit per year
150
3,000
Overall Maximum Limit 250,000

Optional Benefits

By paying additional premium, you can opt to top up your coverage according to your own needs.

  1. Room and Board
  2. Surgeon’s Fees

Exclusions

  • Treatment or test which is not Medically Necessary; or purchase of drugs which are not prescribed by a physician.
  • Confinement solely for the purpose of general check up, diagnostic X-ray, advanced imaging, laboratory test or physiotherapy.
  • Treatment related to Congenital Conditions (except Hernias, Strabismus and Phimosis) or Developmental Conditions or disease of similar kind.
  • Pre-existing Conditions.
  • Expenses directly or indirectly arising from Human Immunodeficiency Virus (“HIV”) and its related Disability, including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutations, derivation or variations thereof, consequential upon an HIV infection occurring before the Insured Effective Date.
  • Treatment or Disability directly or indirectly arising from or consequent upon: the abuse of drugs or alcohol, self-inflicted injuries or attempted suicide, illegal activity, or driving or maneuvering machines whilst exceeding the prescribed alcohol and drug limit, or venereal and sexually transmitted disease or its sequel.
  • Charges in respect of services for beautification or cosmetic purposes or non-medically related conditions; expenses for hearing tests, routine blood tests, general check ups, vaccinations or inoculations, etc.
  • Treatment of a dental condition and oral surgery (except treatment of an emergency and surgery arising from an accident received by the insured during confinement) as well as follow up treatment of the dental condition or oral surgery whether as an inpatient or outpatient.
  • Except as otherwise provided in the Terms and Conditions for “Complications of Pregnancy” in the policy, all investigation, treatment, surgical procedure and counselling service relating to maternity conditions and its complications, including diagnostic tests for pregnancy or resulting childbirth, abortion or miscarriage; birth control or reversal of birth control; sterilization or sex reassignment of either sex; infertility.
  • Except as otherwise provided in the Terms and Conditions for “Mental or Psychological Treatment” in the policy, treatment directly or indirectly arising from any psychotic, psychological, or psychiatric conditions and any physiological or psychosomatic manifestations thereof.
  • Treatment or Disability directly or indirectly arising from war (declared or undeclared), civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection or military or usurped power; resulting from taking part in military, air force, naval and other disciplinary services.

Blue Cross Medical Insurance Please refer to the Key Feature and Policy documents for full and up to date details

 

Compare Find And Buy The Best Low Cost Affordable Health Insurance Plans In Hong Kong

Discover The Difference

 

Blue Cross Caring Medical Protection Plus

With the use of advanced technology today, medical costs are rising continuously and have become unpredictable. If you are hospitalized for a serious illness, do you know if you are fully covered by your company’s medical plan? According to the latest data* published by the Census and Statistics Department, approximately 27.5% of all admissions into private hospitals incurred a hospital bill of HK$ 30,000 or more. If your company’s medical plan is not sufficient to cover all medical expenses, you will end up paying a large shortfall out of pocket unexpectedly.

To lower the risk of bearing your own medical expenses, it is time for you and your family to consider topping up the medical cover. What’s more, with a “top-up” cover in place, you can have peace of mind even when you are moving to a new job, without the burden of bearing your own hospital bill during the no-cover period.

Caring Medical Protection Plus is designed exclusively for our group medical insured members as a “top-up” cover to their company’s medical plan. With a modest premium, you can enhance your medical cover by “leveraging” your group cover.

No underwriting is required upon enrollment. The Plan offers guaranteed acceptance of all pre-existing conditions currently covered by your company medical policy as well as guaranteed renewal up to the age of 99.

No matter you leave the company or move to a new job, this Plan can always provide you and your family the same medical cover.

*Source: “Thematic Household Survey Report No.50” published by the Census and Statistics Department in January 2013.

Caring Medical Protection Plus

Plan Highlights

Strengthen Your Medical Protection with Leverage

Generally, group medical cover aims to provide employees the basic medical benefits as part of the remuneration. These plans usually may not be sufficient to cover all your medical expenses and you will have to pay the shortfall at your own expenses. To decide whether you need to top up your health protection, first, you need to study your group medical plan in terms of its coverage and maximum limits.

Take coronary angioplasty as an example, a major surgery usually costs patient around HK$ 60,000. If your group cover can reimburse HK$ 15,000-$ 30,000 for such operation, you will have to pay a shortfall of HK$ 30,000-$ 45,000 out of pocket. With this Plan, you can receive an additional benefit of HK$ 30,000-$ 49,000 (depending on the selected plan level) on top of your group cover. With a modest premium, you can simply enhance your health protection by “leveraging” your group cover and reduce your chance of paying medical costs.

Maintain Same Protection in Long Run 

Whether you are moving from one employer to another or planning to retire, you will be able to join or keep this plan with you, enjoying the same level of medical coverage as before.

Guaranteed Acceptance of Pre-existing Conditions without Underwriting

When you apply for a new individual medical insurance plan, underwriting and excluding “pre-existing conditions” are usually a must. Some insurers may require health examination upon enrollment, so the chance of having an application declined would increase with age. For our group medical members enrolling in this Plan, they can have peace of mind that no underwriting, medical examination or health declaration is required. Apart from offering guaranteed acceptance, we also guarantee you all pre-existing conditions currently covered by your group medical plan will be automatically covered under this Plan too – except for the exclusions of this Plan.

Guaranteed Renewal up to Age 99

Many individual medical plans in market are only renewable till the age of 70 to 80 or policy renewal is subject to claims history. After enrollment in this Plan, we guarantee your policy will be renewable till the age of 99, giving you coverage up to age 100, regardless of your health status or claims history.

One-stop Claims Solution

You can enjoy greater ease and convenience with this Plan by submitting two claims in one go. If you have your group and individual policies with two insurers, you need to submit two claims applications, one after another, when your claim cannot be fully reimbursed by your group cover. The claims procedures are complicated as the process involves the retrieval of all medical receipts from one insurer to another.

Smart MedClaim Hotline            

Prior to your hospital stay, you can get to know whether the medical expenses can be fully covered by us. Simply call the Blue Cross Hotline for a Pre-hospitalization Claim Assessment, our dedicated officer will help you estimate the eligible claim amounts based on your group and individual policies, enabling you to plan your budget ahead and undergo treatment with peace of mind.

24-hour Worldwide Emergency Aid

If you need assistance with an emergency condition while travelling overseas, you can call our 24-hour Worldwide Emergency Aid Hotline at any time, through which the dedicated officer can provide you appropriate assistance for hospital admission deposit guarantee service, medical repatriation, travel information and medical or legal referral service. You can be sure help is just a call away in case of emergency.

Worldwide Medical Coverage  

Whether you are travelling overseas for leisure or on business, you can receive immediate inpatient treatment when needed no matter where you are. Besides, all benefit limits remain the same no matter how long you stay overseas.

Optional Outpatient Benefits for Enhanced Coverage

You can opt for Optional Outpatient Benefits to cater for your personal needs. With this enhanced health protection, you can be certain that you and your whole family are well taken care of.

Plan Coverage

Basic Hospital and Surgical Benefits

The benefits cover 100% reasonable and customary charges up to the following maximum limit per disability:

Benefit Items Maximum Limit Per Disability (HK$)
Plan Level Premier Superior Standard
Room Type Entitlement Private Semi-private Ward
Room and Board
– Max. 90 days, limit per day
2,750 1,600 700
Miscellaneous Hospital Charges 26,000 19,000 15,500
Surgeon’s Fee
‧ Complex
‧ Major
‧ Intermediate
‧ Minor
– Chinese Medicine Practitioner Treatment
(including bone-setting and acupuncture),
5 visits per disability, 1 visit per day, limit per visit
147,000
49,000
25,000
10,000180
114,000
38,000
20,000
8,000150
90,000
30,000
15,000
6,000120
Anesthetist’s Fee
‧ Complex
‧ Major
‧ Intermediate
‧ Minor
44,100
14,700
7,500
3,000
34,200
11,400
6,000
2,400
27,000
9,000
4,500
1,800
Operating Theatre Charges
‧ Complex
‧ Major
‧ Intermediate
‧ Minor
44,100
14,700
7,500
3,000
34,200
11,400
6,000
2,400
27,000
9,000
4,500
1,800
Physician’s Hospital Visits
– Max. 90 days, limit per day
2,750 1,600 700
Specialist’s Fee
– Referral letter is required
8,600 6,600 5,600
Charges for Intensive Care
– Max. 30 days, limit per day
8,600 6,600 5,600
Daily Hospital Cash Allowance
– Max. 45 days
1,350 800 350
Private Duty Registered Nurse
– Max. 90 days, limit per day
1,050 700 350
Overall Maximum Limit Per Year
– for aged 76 or above

Optional Outpatient Benefits

The benefits cover 80% of eligible outpatient expenses. You may visit any clinic at your own choice subject to the maximum reimbursement limits as follows. If the premium is paid annually, you are also entitled to use your Blue Cross Healthcare Card at any network clinic for general consultations, Chinese medicine practitioner treatments or specialist’s consultations with a co-payment of HK$ 30 per visit:

Benefit Items Maximum Limit (HK$)
Plan Level Premier Superior Standard
General Practitioner’s Consultation
– 1 visit per day, limit per visitChinese Medicine Practitioner Treatment
Including Chinese bone-setting and acupuncture
10 visits per year, 1 visit per day, limit per visit
340

180

250

150

200

120

Max. 25 visits per year for the
above treatments
Specialist’s Consultation
– Referral letter is required
10 visits per year, 1 visit per day, limit per visit
510 380 300
Prescribed Medicines and Drugs
– Procured from outside pharmacy,
prescription letter is required
Limit per year
7,800 5,800 4,300
Diagnostic X-rays and Laboratory Tests
– Referral letter is required
Limit per year
2,500 1,900 1,500
Physiotherapy and Chiropractic Services
– Referral letter is required for Physiotherapy
10 visits per year, 1 visit per day, limit per visit
340 250 190

Enrollment Guideline

Top Up Option 

  1. Exclusive to existing Blue Cross Group Medical Members with Basic Hospital and Surgical Benefits.
  2. Within 30 days from the Member’s commencement date or upon each renewal date of the group policy.
  3. Policy effective date must be the same as the Member’s commencement date or renewal date of group policy.
  4. Claims Tips

When the insured files a claim with us, we will do the claims assessment based on the group policy and this Plan in one go. Fast and simple!

Step 1: Eligible medical expenses are first reimbursed by the group medical policy

Step 2: Any shortfall will then be reimbursed by this Plan

For claims related to pre-existing conditions, the shortfall will be reimbursed by this Plan according to the following table:

Plan Year Basic Hospital and Surgical Benefits
Reimbursement Percentage of Eligible Medical Expenses
1 50%
2 and after 100%

Note: All benefits payable above are subject to the maximum limits as per schedule of benefits.

Conversion Option        

  1. Exclusive to Blue Cross Group Medical Members with Basic Hospital and Surgical Benefits who are going to resign or retire.
  2. Within 30 days from the date of termination of the group medical membership.
  3. Policy effective date must be the following day of the last day of employment.

Plan Level

Without underwriting, all applicants can choose a corresponding plan level based on their existing group medical insurance policy. The higher room type they are entitled in the group policy, the more options of plan level they will have. Please refer to the below table for details.

Existing Group Medical Insurance Policy Caring Medical Protection Plus
Room Type Entitlement Corresponding Plan Level
Private Premier/Superior/Standard
Semi-private Superior/Standard
Ward Standard

If applicants opt for a plan level higher than the corresponding plan levels listed above or opt for Optional Outpatient Benefits while such benefits are not provided under the existing group policy, their applications are subject to underwriting.

Important Notes

  • In respect to Pre-existing Conditions, the insured shall retain coverage provided by the preceding group policy under this Policy i.e. the benefits payable to the insured under the Hospital and Surgical Benefits Section of this Policy will be equivalent to 100% of the eligible expenses for any claim, subject to the applicable benefit limits. In case where the insured remains covered by the in-force group policy, if he is afflicted with a medical disability which is a Pre-existing Condition covered under the in-force group policy, the benefits payable to the insured under this section will be equivalent to 100% of the eligible expenses, subject to the applicable limits. Notwithstanding the aforesaid, during the first period of insurance, the Company shall only pay 50% of the eligible expenses under Hospital and Surgical Benefits Section, subject to the applicable benefit limits. The Company is not liable for any claim for disability which is a Pre-existing Condition that is not covered under the preceding group policy or in-force group policy.
  • The application is subject to underwriting if the insured member opts for a higher level of inpatient or outpatient benefits than his previous group medical insurance policy, enrolls in the outpatient benefits where his previous group medical insurance policy does not provide any outpatient coverage, or was insured under this Plan but then terminated the policy and re-enrolls. In which case, Blue Cross reserves the right to charge extra premium or impose exclusions or decline his application according to its underwriting decision.
  • Renewal is guaranteed (subject to the availability of the Plan at the time of renewal) and Blue Cross will neither charge extra premium nor impose additional exclusions on an individual policy based on the insured’s health status and claims history at the time of renewal. However, Blue Cross reserves the right to revise the terms and conditions of the policy and adjust the premium upon policy renewal due to, for example, age-related adjustment, a particular risk class or change of risk class.
  • The customer must complete and submit the Pre-hospitalization Claim Assessment Form. Assessment of the estimated eligible claim amounts is for customers’ reference only, the actual eligible claim amounts will be subject to the final claim decision. All benefits will be payable subject to the terms and conditions and the full list of policy exclusions.
  • The Surgeon’s Fee will be calculated in accordance with the Surgical Schedule, inclusive of “Day Case Procedure” and “Clinical Surgery”. “Day Case Procedure” means a medically necessary procedure which is performed in an outpatient facility. The outpatient facility may refer to a physician’s clinic, day case centre, day care centre, outpatient department, or an equivalent established and operated by a hospital. “Clinical Surgery” refers to surgical procedures that can be undertaken at the attending doctor’s clinic.
  • Daily Hospital Cash Allowance applies to government hospital general ward accommodation in Hong Kong only.

Major Exclusions

  • Purchase of drugs, treatment or tests which are not medically necessary; or are not prescribed or not performed by a registered medical practitioner.
  • Hospitalization solely for the purpose of general checkup, diagnostic X-ray, advanced imaging, laboratory tests, or physiotherapy.
  • Treatment for congenital (except Hernias, Strabismus and Phimosis) or developmental conditions or disease of any kind.
  • Expenses directly or indirectly arising from Human Immunodeficiency Virus (HIV) and its related disabilities, including Acquired Immunization Deficiency Syndrome (AIDS) and/or any mutation, derivation or variation thereof, consequential upon an HIV infection occurring before the effective date of coverage applicable to such insured.
  • Treatment or disability directly or indirectly arising from or consequent upon the abuse of drugs or alcohol, self-inflicted injuries or attempted suicide, illegal activity, or driving whilst exceeding the prescribed alcohol limit, or venereal and sexually transmitted disease or its sequel.
  • Any charges in respect of services for beautification purposes, cosmetic surgery, hearing tests, routine blood tests, general checkups, vaccinations or inoculations.
  • Dental treatment and oral surgery except for emergency treatment arising from an accident received during confinement. Follow up treatment from such hospital confinement relating to dental treatment or oral surgery shall not be covered.
  • All investigations, treatments and counselling services relating to maternity and its complications, including diagnostic tests for pregnancy or resulting childbirth, abortion or miscarriage; birth control or reversal of birth control, sterilization of either sex; infertility.
  • Treatment directly or indirectly arising from any psychotic, psychological, or psychiatric condition of any and all kinds, and any physiological or psychosomatic manifestations thereof.
  • Treatment or disability directly or indirectly arising from war (declared or undeclared), civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection or military or usurped power.
  • Any exclusions or conditions previously imposed to the individual on the group medical insurance policy.

Blue Cross Medical Insurance Please refer to the Key Feature and Policy documents for full and up to date details

 

Compare Find And Buy The Best Low Cost Affordable Health Insurance Plans In Hong Kong

Discover The Difference

 

Blue Cross Medical Insurance Hong Kong

Having Blue Cross Medical Insurance in Hong Kong can help protect you from the financial burden of medical expenses that you and your family incur when you become ill.

With all of the different medical insurance plans that are available it can be both confusing and overwhelming when you are looking for the perfect medical insurance plan for you..

Here is an overview of Medical Insurance Plans In Hong Kong (and in general) and together with the videos you will be able to gain an understanding of what a Medical Insurance Policy is together with the main features and benefits.

How much is Blue Cross Medical Insurance in Hong Kong

You can request a Blue Cross Medical Insurance quote here Health Quote to get an idea of how much the premium is to get Blue Cross Medical Insurance Coverage in Hong Kong. It’s fast and easy and all you need to do is input some of your information and we will provide the illustrations for you.

And we do not charge you for our services.

Who are Eligible for Blue Cross Medical Insurance Coverage in Hong Kong

Providers can arrange medical coverage for people as young as 15 days and up to 74 years, including Expats.

What are the Benefits That I Get From My Blue Cross Medical Insurance Plan

There are a lot of benefits that are provided from your medical insurance plan but a basic feature of these plans is that they provide in-patient cover. This medical insurance coverage means that your provider will cover your medical expenses including room and board as well as medicines during your confinement at a hospital. Here are some of the other benefits that you can get from your plan.

Outpatient Cover: You can be reimbursed or get free medical consultation or minor procedures undertaken in outpatient care if your health insurance has outpatient cover. Some health insurance plans already provide this cover, others require you to pay extra from the basic plan to get this coverage.

Maternity Cover: Medical insurance coverage for medical expenses related to the delivery of a baby.

Dental Cover: Refers to coverage for dental procedures. For personal medical insurance plans, this is usually an extra coverage to the basic coverage that needs to be added to the plan.

Private Rooms: The insured has the option of a private room if he or she is hospitalized.

Optical Treatment: Routine eye care benefits under the outpatient coverage of your medical insurance. This can also refer to the treatment of eye diseases under the medical benefits of the plan.

Cancer Treatment: Some medical insurance plans in Hong Kong have special plans that provides coverage for treating cancer and other critical illnesses.

Vaccinations: Some plans provide deep discounts to members who choose to get vaccinated as part of their health and wellness program.

Chinese Medicine: Eligible policyholders can avail themselves of the services of acupuncturists, Chinese bone setters, and herbalists.

Surgical Fee Cover: Surgery is one of the most expensive medical procedures so medical insurance protects the policyholder from this substantial financial cost.

These are just some of the benefits that you could get from your Blue Cross Medical Insurance plan, here are some more.

Emergency Out Of Region Treatment Cover

Emergency Out of Region Treatment Cover

Emergency Out of Region Treatment Cover is a benefit that some medical insurance companies provide. The insurance coverage includes the costs of emergency treatments outside of Hong Kong.

Psychiatry and Psychotherapy Insurance Cover

Psychiatry and Psychotherapy Insurance Cover

Psychiatry and Psychotherapy conditions can also be covered with individual Medical Insurance plans.

No Surgery Pre-approval Requirement

Surgery Pre-approval Requirements

Emergency Out of Region Treatment Cover sometimes a pre-approval is a required by the Medical Insurance Company before you can undertake certain types of medical services for example surgery. When comparing Medical Insurance providers it’s important for you to know which services will require pre-approval as different insurers have separate conditions.

 

Maximum Annual Insurance Coverage

What Is Maximum Annual Insurance Coverage

What Is Maximum Annual Insurance Coverage is the max annual cover refers to the maximum amount of benefits in monetary terms that you can receive in any one policy year. This amount varies from insurer to insurer so when you are Comparing Blue Cross Medical Insurance Plans its a very important consideration.

Pre-existing Conditions

Pre-existing Conditions

Pre-existing conditions insurance cover policyholders to make a claim from their medical insurance company for the costs of getting treatment for a pre-existing medical condition, usually after a specified period of time.

Surgical Insurance

Surgical Fee Cover

Surgical Fee Cover is one of the main benefits to having medical insurance. Surgical procedures can be very costly and can be a huge financial burden for anyone who needs to undergo surgery. The amount of Surgical insurance is known as the Surgical Fee Cover and different insurance companies offer differing amounts, so its important to shop around for the best Blue Cross Medical Insurance deals given your circumstances.

Chronic Conditions

Chronic Conditions

Chronic Conditions refer to medical conditions that are reoccurring  for example asthma and eczema, arthritis, diabetes, epilepsy, and glaucoma, all of which have no known cure only treatments for alleviating symptoms.

Excess Payments

Excess Payable

Excess payable is where you agree to pay a certain amount towards your medical expenses, should you ever make a claim on your insurance. This reduces the cost of your Blue Cross Medical Insurance.

Emergency Evacuation

Emergency Evacuation Cover

Emergency Evacuation Cover provides insurance for medical treatment in case the local hospital cannot offer the medical services required. You will be transported to a medical facility that can treat you.

FREE Blue Cross Medical Insurance Quotes

Hong Kong has world-class medical facilities and services.  Make sure you have the right Blue Cross Medical Insurance insurance coverage so you can access the best Blue Cross Medical Insurance in Hong Kong while protecting you from the financial burden associated with medical treatment.

Get a FREE Blue Cross Medical Insurance Quote

It’s completely FREE and it only takes just a few minutes to fill out the form with your information to receive your FREE Blue Cross Medical Insurance Illustration.

Compare Find And Buy The Best Low Cost Affordable Health Insurance Plans In Hong Kong

Discover The Difference

Lets Get In Touch

Compare Find Comparisons And Buy The Best Low Cost Affordable Priced Health Insurance In Hong Kong

Discover the difference...

Enquiry

5 + 3 =

We respect your privacy and take protecting it very seriously, click the following link to view our Privacy Policy

We Live In Hong Kong You Can Find Us Here

We Live In Hong Kong Find Us Here

BMP Wealth

1075 Central Building

1-3 Pedder Street

Central

Hong Kong

Looking For The Best Health Insurance In Hong Kong

Discover The Difference

Blue Cross Medical Insurance
Blue Cross Medical Insurance Hong Kong
https://healthinsurance.wealthmanagementhongkong.com/wp-content/uploads/2016/05/Health_Insurance_Hong_Kong-1.jpg
Blue Cross Medical Insurance Hong Kong (Asia-Pacific) Insurance Ltd Compare Find Buy Best Low Cost Affordable Comparisons Cheapest Price Guaranteed FREE Quotations
Insurance
Wealth Management Hong Kong

Pin It on Pinterest

Share This

Please Share This

Please share this post with your friends - Thank You!