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The Plan provides full cover¹ on medical expenses incurred for a series of hospitalisation and surgery with no itemised benefit limits. Without Lifetime Benefit Limit, the Plan entitles you to reimbursements of the Eligible Expenses and cash benefits, up to HKD8,000,000 per Policy Year.

In addition, whenever and wherever you require Emergency medical attention, the Plan will offer full cover¹ on the eligible medical expenses, including Emergency outpatient accidental treatment and Emergency outpatient dental treatment².

The plan provides full cover ¹on a wide range of medical expenses, including Prescribed Non-surgical Cancer Treatments³, kidney dialysis⁴ (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 HKD2,000,000 per Policy Year, which further eases your financial 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-market⁵):
  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-market⁵): You have been confined in Intensive Care
  Unit for at least 3 consecutive days in Hong Kong.

• Life enrichment program for Stroke^6,7 offers you a rehabilitation
  program tailor-made to fit your needs and situations, accompanying
  you during your journey to recovery.
• Stroke ancillary benefit⁴ covers charges for consultations and
  treatments prescribed by Specialists and Chinese Medicine
  Practitioners.
• Home facility enhancement benefit⁴ enables you to be reimbursed with
  a list of home facility enhancements prescribed by occupational
  therapists to increase self-care capabilities.
• Disability subsidy benefit⁸ provides HKD10,000 Disability subsidy
  benefit per month⁸ to ease your financial burden.

The Plan makes available 6 Deductible⁹ options, allowing you to specify the Deductible⁹ 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 Deductible9 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 will worry less about your varying needs at different life stages which will be well catered for.

If you are ever diagnosed with a designated crisis such as Specified Cancer, Heart Attack and Stroke, the Deductible⁹ will be waived under first-dollar coverage – Deductible9 waived for designated crises4,10(First-in-VHIS-market⁵) if you have chosen the Plan with Deductible⁹ options to lighten your financial burden and let you focus on your treatment and recovery.

If you haven’t made any claim for the Plan for 2 or more consecutive Policy Years immediately prior to Renewal¹¹, the Plan will offer you no claims premium discount¹² on your next Renewal¹¹ premium regardless of your Age. You may enjoy individual and extra no claims premium discount¹²of up to 25% by getting insured with your family.

Your baby will be born into the protection of a designated medical plan, effective for two years at no extra cost^6,13, if your Policy has been in force for 2 consecutive Policy Years. This benefit applies to each newborn once only, but there is no limit to the number of eligible newborns.

• PREMIER THE ONEcierge^6,7for exclusive healthcare solutions with
  cashless facility tailor-made to suit your needs.
• Second Medical Opinions^6,7provided by some of the highest-ranked US
  medical institutions.
• International SOS 24-hour Worldwide Assistance Service^6,7.

• Guaranteed renewable¹¹ up to age 100 (attained age) of the Insured
  Person.
• Cover unknown Pre-existing or Congenital Conditions at the time of
  Application starting from the 31st day of the first Policy Year.
• You may be eligible for tax deduction of up to HKD8,000¹⁴ per Insured
  Person per year of assessment for premium you paid.