Health Essential Medical Plan – Standard
Individual Indemnity Hospital Insurance Plan
Voluntary Health Insurance Scheme Certified Plan
Health Essential Medical Plan – Standard (The “Plan”) is a Certified Plan under the Hong Kong Government's Voluntary Health Insurance Scheme (“VHIS”) and complies with the requirements of the scheme in product design. The premiums paid for the Plan is eligible for the tax deduction under the Inland Revenue Ordinance (Cap.112). The Plan offers you a medical insurance, renewal is guaranteed up to the Age of 100 years of the Insured Person. The Plan is underwritten by Hong Kong Life Insurance Limited (“Hong Kong Life”).
Below product information does not contain the full terms of the policy document. For full terms and conditions, please refer to the policy document.
“VHIS Certified Plans - Client Promotion Incentive” (Exclusive for Online Application): From now till 30 Nov 2024, successful applications of the Plan may enjoy the following incentives:
- 40% first year premium discount.
- With designated amount of annualized first year premium, enjoy a HKD50 coffee coupon.
- Terms and conditions applies.
- Reimbursement for Lifelong Medical Protection
- Guaranteed Renewal up to the Age of 100 years of the Insured Person for Peace of Mind
- Eligible for Claiming Tax Deduction*
- No Lifetime Benefit Limit
- Worldwide Coverage except for the Psychiatric Treatment
- No Restriction on Health Service Providers and Ward Class
- Extended Coverage for Unknown Pre-existing Condition(s), Treatment of Congenital Condition(s), Day Case Procedures, Prescribed Diagnostic Imaging Tests, Prescribed Non-surgical Cancer Treatments and Psychiatric Treatments
- Provide Additional Life Protection
Annual Benefit Limit
- HKD 420,000 / Policy Year
Room and board
-
HKD 750 / day
Maximum 180 days / Policy Year
Miscellaneous charges
- HKD 14,000 / Policy Year
Surgeon’s fee
- Complex : HKD 50,000 / surgery
- Major : HKD 25,000 / surgery
- Intermediate : HKD 12,500 / surgery
- Minor : HKD 5,000 / surgery
Prescribed Non-surgical Cancer Treatments
- HKD 80,000 / Policy Year
- (The Key Benefit Coverage is for reference only. Please refer to the Product Leaflet for the details of benefit coverage.)
(Applicable to online application)
- Proposed Policy Holder and Insured Person must be the same person
-
Issue age from 18 to 64
(Age means age of the Insured Person at the last birthday)
- Holds a valid HKID card
Premium Payment Term
-
1 Year
(Renewable up to the Age of 100 years of the Insured Person)
Policy Currency
- HKD
Benefit Term
-
1 Year
(Renewable up to the Age of 100 years of the Insured Person)
Geographical Area of Cover
-
Worldwide
(except for psychiatric treatments)
Covered Ward Class
- No restriction
Premium Payment Mode
- Annual
Type of the Certified Plan | Standard Plan | |
Certification Number | S00037-01-000-02 | |
Provider Registration No. | 00037 (Registration Effective Date: 31 May 2019) |