Medical Insurance

Text Box:
We have been a licensed insurance agency since 1990.
General Insurance Products: Property, Employee's Compensation, Engineering, Public Liability, Marine, Office, Shop, Home, Helper, Medical, Motor, Travel, Golfers, etc.
Insurance Agency Registration No.: 98904894 (The Hong Kong Federation Of Insurers)

MSIG Insurance (Hong Kong) Limited

MSIG Insurance (Hong Kong) Limited ("MSIG"), has been providing general insurance solutions and products to the customers in Hong Kong for more than 100 years, with our network of operations dating as far back as 1880. MSIG is an ISO 9001 accredited company.

In Hong Kong, MSIG, a wholly-owned subsidiary of Mitsui Sumitomo Insurance Company Limited, Japan ("MSI"), is highly reputed for its long-standing industry experience and market knowledge. MSI is one of the top three general insurers in Asia. As at 31 March 2006, MSI has worldwide net premiums exceeding US$12 billion and more than US$80 billion in assets. MSI operates in 39 countries and regions worldwide, of which 16 are in the Asia Pacific.

MSIG was given an "A+" Financial Strength Rating by Standard & Poor's.

MediSure Plus

To give you extra peace of mind, there are no sub-limits on major hospitalisation charges.

Product Features:

Lifelong cover
Guaranteed renewal
No inner limits for most hospitalization expenses
Cover pre-hospital diagnostic services within 30 days before admission and 60 days post-hospital follow-up treatment
Organ transplant benefit (for Super & Executive Plan)
Outpatient kidney dialysis and cancer treatments
Accompany bed benefit for child patients
Public hospital cash benefit
Worldwide emergency medical evacuation (for Super & Executive Plan)
Worldwide payment guarantees
Emergency medical advice and assistance
Free worldwide assistance services
Free medical check-up / preventive service once a year
Optional critical illness benefit covering 12 major critical illnesses (Cancer, Stroke, Heart Attack, Coronary Artery-Bypass Surgery, Complete Liver Failure, Kidney Failure, Major Organ Transplant, Motor Neurone Disease, Loss of Hearing, Blindness, Major Burns & Coma)
Optional lady benefit covering 6 female specific cancers (Breast, Fallopian Tube, Cervix [CIN III or above], Vagina / Uterus & Ovaries) and 3 female specific illnesses (Rheumatoid Arthritis, Osteoporosis Leading To Hip Fractures, Systemic Lupus Erythematosus [SLE] With Lupus Nephritis)
Optional maternity benefit (for Super Plan & Executive Plan)
Optional outpatient services benefit (for Executive Plan)
Increased international cover benefit (for Executive Plan)
Free travel personal accident benefit (for Executive Plan)

Benefits Table

Excel Plan (HK$)

Super Plan (HK$)

Executive Plan(HK$)

Overall Maximum Limit (per person, per year and in total for any one claim or event )

$500,000

$2,500,000

$10,000,000

Core Cover

(A) Hospital & Related Services Benefit

Maximum Limit (per year)

$500,000

$750,000

$1,500,000

Room & Board (per day)

$1,500

$2,250

$3,000

Accompany Bed (for one adult family member for hospitalization of children under age seventeen)

Full Cover

Intensive Care (supplement to Room & Board)

Full Cover

Miscellaneous Hospital Charges

Full Cover

Physician Fees (per day)

$1,500

$2,250

$3,000

Surgeon, Anaesthetist and Operation Theatre Charges, including day-surgery (per operation)

According to Surgical Schedule up to $250,000

Full Cover

Pre-Hospital Diagnostic Services (within 30 days before admission)

Full Cover

Post-Hospital Follow-up Treatment (within 60 days after discharge)

Full Cover

Home Nursing Following Hospitalization (per year up to 26 weeks)

Full Cover

Outpatient Chemotherapy / Radiotherapy / Renal Dialysis

Full Cover

Public Hospital Cash Benefit (per day)

$1,000

$1,500

$2,000

Lifetime Limit

(per person, applied at or above age 70)

$2,000,000

$3,000,000

$6,000,000

(B) Increased International Cover Benefit (in excess of maximum limit per year for Hospital & Related Services Benefit)

Maximum Limit (per year)

N / A

$4,500,000

(C) Organ Transplantation Benefit

Maximum Limit (per year and in total for any one claim or event)

N / A

$750,000

$1,500,000

(D) Additional Benefits

Free Medical preventive Services at Appointed Centre

Once Per Year

International Payment Guarantee

Available

24-hour International Emergency Assistance

Available

Emergency Evacuation & Repatriation (per year and in total for any one claim or event)

N / A

$1,000,000

$1,500,000

Free Travel Personal Accident (per year and in total for any one claim or event)

N / A

$1,000,000

Optional Cover

(A) Outpatient Services Benefit

Maximum Limit (per year)

N / A

$20,000

General Practitioner (GP) (1 visit per day)

N / A

Full Cover

Specialist Practitioner (SP) (1 visit per day)

N / A

Full Cover

Max. Total No. of GP & SP Visits (per year)

N / A

Prescribed Medication (per year)

N / A

$8,000

Diagnostic X-ray & Laboratory Tests (per year)

N / A

$8,000

Bonesetter, Acupuncturist and Chiropractor Treatment (for accidental injury, 1 visit per day up to 8 visits per year)

N / A

$350

(B) Maternity Benefit (12-month waiting period)

Second Year Onwards:
Normal Delivery (per pregnancy)

N / A

$25,000

Complicated Delivery, including miscarriage (per pregnancy)

N / A

$25,000

$50,000

(C) Critical Illness Benefit

Benefit Amount

500,000

Critical Illness Benefit

100%

Lady Benefit (if applicable)

20%

Premium Table (HK$)
Core Cover
	Excel Plan	Super Plan	Executive Plan
Age Groups	Annual (HK$)	Annual (HK$)	Annual (HK$)
0 - 17	$2,538	$4,212	$7,182
18 - 29	$4,158	$6,426	$10,044
30 - 39	$4,806	$7,398	$11,556
40 - 49	$5,886	$8,964	$13,500
50 - 59	$7,722	$11,556	$17,118
60 - 69 (Renewal only)	$11,880	$17,442	$25,380
70 or above(Renewal only)	$15,120	$22,086	$32,184

10% Discount* for a whole family

4% Discount For Premium of Core Cover Above HK$3000

6% Discount For Premium of Core Cover Above HK$7000

* 10% discount will be offered if you and your family enrol together.

* Applicants who are Hong Kong residents aged 18 to 59 (last birthday) can apply for himself and his family members.

Family member refers to: Legal Spouse aged 18-59, Unmarried Children (the parents must enrol together) aged 15 days

to 17, or below 23 if in full time education

* The plan selected should be the same for the applicant and all insured family members.

Core Cover + Outpatient Services Benefit
	For Executive Plan Only
Age Groups	Annual (HK$)
0 - 17	$14,796
18 - 29	$17,172
30 - 39	$19,872
40 - 49	$22,356
50 - 59	$28,134
60 - 69 (Renewal only)	$39,852
70 or above (Renewal only)	$50,598

Optional Maternity Cover
	Critical Illness Benefit	Critical Illness & Lady Benefit
	Annual	Annual
All Ages	$6,048	$6,642

Critical Illness Benefit (Optional)
	Critical Illness Benefit	Critical Illness & Lady Benefit
Age Groups	Annual	Annual
18 - 29	918	1,782
30 - 39	2,106	2,862
40 - 49	3,726	4,374
50 - 59	10,638	11,394
60 - 65 (Renewal only)	19,710	21,222

Deductible Discount Options

For Core Cover

This policy provides flexibility of reducing your premium to fit your personal need. You can choose to bear a portion of the risk by selecting an Annual Aggregate Deductible Amount and enjoy a great discount of premium for Core Cover.

The Annual Aggregate Deductible Amount applies to Core Cover Only. All other benefits remain unchanged.

Annual Aggregate Deductible Amount	Discount applied on Premium of Core Cover
Per person per year (HK$)	Excel Plan	Super Plan	Executive Plan
$10,000	25%	20%	15%
$20,000	35%	30%	25%
$40,000	45%	40%	30%
$80,000	55%	50%	40%
$120,000	65%	60%	50%

This is not a contract of insurance. Please refer to the Policy for full terms and conditions.

Exclusions :

Pre-existing conditions
Routine medical check-ups and vaccinations
Cosmetic surgery
Dental treatment or oral surgery related to teeth (unless for restoration or replacement of sound natural teeth within 14 days of accident)
Convalescent care
Pregnancy or childbirth (except as defined and covered under the Maternity Benefit), infertility, contraception and sterilisation
Congenital and hereditary conditions
Mental and psychiatric disorders
Elective overseas treatment for non-emergency medical conditions
Participation of hazardous sports and pastime

Make a Claim – Healthcare ：

Report the claim to MSIG within 30 days from the date when medical service is received.
Complete the appropriate claim form(s) and return the original to MSIG. Hospital Claim Form / Outpatient Claim Form / CriticalCare Claim Form
Original hospital and medical bills/receipts must be attached with the claim form.
In submitting a claim, the following information must be provided by the attending medical practitioner:
Date of service, Name of patient, Diagnosis/Sign, Types of treatment given, Details of medication given, Amount charged for each treatment
The name of the patient on the hospital and medical bills/receipts must be the same as in the policy record.
Both the claimant and the attending medical practitioner should sign the claim form where appropriate.

Remarks:

The commencement date of the illness has to be within the effective period of policy coverage.
Pre-existing conditions are not covered in MSIG policy unless specified in the policy.
Original receipts will only be returned upon request.

Notes:

● Particulars mentioned here are for reference only. Should there be any difference between here

and your policy, you should refer to the latter.

● In addition to the information or document listed above, MSIG may ask for more specific documents

for consideration as to conclusion of this claim.

How to Apply:

1. Please complete the proposal form and return it with premium cheque to :

Good Link Consultants, Rm 907, 9/F, Ho King Commercial Centre, 2-16 Fa Yuen Street,

Mongkok, Kln.

The premium cheque should be made payable to "Good Link Consultants" .

2. All applications approved will be effective on 1st day of the following month. Policy will be delivered

within 2-3 weeks.

For Enquiry：2369 0816

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