vPrime Signature Medical Plan

The Plan provides full cover¹ on medical expenses incurred for a series of hospitalisation and surgery. Without Lifetime Benefit Limit, the Plan entitles you to reimbursements of the Eligible Expenses and cash benefits, up to designated Annual Benefit Limit. The Plan also provides choices of geographical coverage² for non-Emergency Treatment such as Asia^3,4(for Standard benefit level) and worldwide excluding the United States of America (“USA”) ³(for Superior benefit level) ; and without geographical limitation for Emergency Treatment. Confinement can take place in a Standard Semi-private Room in Hong Kong, Macau and Mainland China or Standard Private Room in anywhere else within the territorial scope of cover.

The Plan provides full cover¹ on a wide range of medical expenses, including Prescribed Non-surgical Cancer Treatments⁵, kidney dialysis⁶ (including the rental cost of a kidney dialysis machine for use at home) and organ or bone marrow transplantation. On top of the Annual Benefit Limit, you are entitled to an additional benefit limit for these three kinds of treatments of up to HKD1,500,000 per Policy Year (for Standard benefit level) or HKD2,000,000 per Policy Year (for Superior benefit level), which further eases your burden throughout your treatment journey.

You will be provided with an additional cash benefit under the following circumstance(s) if relevant Eligible Expenses are payable:

• Cash benefit for major and complex surgeries (First-in-VHIS-market⁷): You need to undergo a surgical procedure which is categorized as major or complex according to the Schedule of Surgical Procedures or as reasonably determined by us if the surgical procedure is not included in the Schedule of Surgical Procedures, or

• Cash benefit for Confinement in Intensive Care Unit in Hong Kong (First-in-VHIS-market⁷): You have been Confined in Intensive Care Unit for at least 3 consecutive days in Hong Kong.

• Life enrichment program for Stroke^8,9offers you a rehabilitation program tailor-made to fit your needs and situations, accompanying you during your journey to recovery.

• Stroke ancillary benefit⁶ covers charges for consultations and treatments prescribed by Specialists and Chinese medicine practitioners.

• Home facility enhancement benefit⁶ enables you to be reimbursed for a list of home facility enhancements prescribed by occupational therapists to increase self-care capabilities.

• Disability subsidy benefit¹⁰ provides HKD10,000 Disability subsidy benefit per month¹⁰ to ease your financial burden.

The Plan makes available 6 Deductible¹¹ options, allowing you to specify the Deductible¹¹ for medical treatment with flexibility. In addition, when your Policy has been in force for at least 2 consecutive years, you will be entitled to the right to reduce or remove your Deductible¹¹ once per policy when you reach the Age of 50, 55, 60, 65, 70, 75 or 80 (attained age) without providing further proof of your health condition. You can rest assured that your varying needs at different life stages will be well catered for.

If you are ever diagnosed with a designated crisis such as Specified Cancer, Heart Attack and Stroke, the Deductible¹¹ will be waived under first-dollar coverage – Deductible¹¹ waived for designated crises^6,12  if you have chosen the Plan with Deductible¹¹ options, to lighten your financial burden and let you focus on your treatment and recovery.