Hospital Insurance Plan

Provides comprehensive hospital cash benefits plus Surgical Allowance for a restful recovery

Terms and Conditions apply. The above general insurance plan is underwritten by QBE General Insurance (Hong Kong) Limited.
Plan overview

This plan, is underwritten by QBE General Insurance (Hong Kong) Limited. The plan offers hospital cash benefits in the event of hospitalization with Double Cash Benefit for specific infectious diseases., Customer can enjoy 25% No Claim Premium Refund if claim-free for 3 consecutive years.

Key features

It provides up to HKD900,000 hospital cash benefit

Cash benefit will be paid to the Insured Person who

  1. suffered from specific infectious diseasesSpecific infectious diseases are Malaria, Cholera, Meningococcal Infection, Dengue Fever, Tetanus and SARS.up to 30 days, or
  2. received treatment in an intensive care unit up to 90 days, or had  major organ transplant (heart, heart and lungs, liver, kidney, pancreas or bone marrow).

The Insured Person will be offered up to HK$40,000 per case for surgical allocation for hospital charges such as doctor's fees, surgeon's fees, anaesthetist's fees and operating theatre fees.

Remark: This page is only intended as a general summary. Please refer to the English version of the policy for detailed terms and conditions and exclusions.

Coverage overview

Plan A

Plan B

Daily Premium as low as

HKD3.7

HKD7.1

Maximum Claim (HKD)
Daily Cash Benefit

450,000

Benefit per day:600

900,000

Benefit per day:1,200

Double Cash Benefit

  • Cash benefit will be paid to the Insured Person who suffered from specific infectious diseases+ up to 30 days 
  • Cash benefit will be paid to the Insured Person who received treatment in an intensive care unit up to 90 days
  • Covers major organ transplant (heart, heart and lungs, liver, kidney, pancreas or bone marrow)

 

+ Specific infectious diseases are Malaria, Cholera, Meningococcal Infection, Dengue Fever, Tetanus and SARS.

Double Cash Benefit

  • Cash benefit will be paid to the Insured Person who suffered from specific infectious diseases+ up to 30 days 
  • Cash benefit will be paid to the Insured Person who received treatment in an intensive care unit up to 90 days
  • Covers major organ transplant (heart, heart and lungs, liver, kidney, pancreas or bone marrow)

 

+ Specific infectious diseases are Malaria, Cholera, Meningococcal Infection, Dengue Fever, Tetanus and SARS.

900,000

Benefit per day:1,200

180,0000

Benefit per day:2,400

Surgical Allowance (per event)

  • The Insured Person will be covered for hospital charges, doctor's fees, surgeon's fees, anaesthetist's fees and operating theatre fees

Surgical Allowance (per event)

  • The Insured Person will be covered for hospital charges, doctor's fees, surgeon's fees, anaesthetist's fees and operating theatre fees

20,000

40,000

*Above information are for reference only, please refer to the Plan Coverage, Terms & Conditions for details. The Daily Premium is calculated based on an adult aged 30.

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Other point(s) to note
  1.  No Hospital Cash Benefit or Surgical Allowance will be paid unless the Insured Person is confined in hospital for more than continuous 24 hours, Daily Cash Benefit will be calculated on each continuous 24 hours period confined in hospital.
  2. The Hospital Cash Plan is only applicable to Hong Kong residents who work in Hong Kong as white collars or their occupations have no special risks. For enquiring whether a specific occupation will be covered, please click here or contact QBE General Insurance (Hong Kong) Limited Customer Service Hotline during office hours.
  3. Daily Cash Benefit and Double Cash Benefit are limited to 750 days cumulative both in and outside Hong Kong. Hospital Cash Benefit will be paid for up to 30 days per annum outside Hong Kong.
  4. For those Insured Persons who are students, they are required to attend school locally.
  5. Insurance products offered by QBE General Insurance (Hong Kong) Limited are only available for subscription for residents of the HKSAR.
  6. The above general insurance plan ("Plan") is underwritten by QBE General Insurance (Hong Kong) Limited which is authorised and regulated in Hong Kong by the Insurance Authority. Hang Seng Bank Limited ("Hang Seng Bank") is an insurance agent authorised by QBE General Insurance (Hong Kong) Limited for the distribution of this Plan. Premiums will be payable to QBE General Insurance (Hong Kong) Limited upon application of this Plan. QBE General Insurance (Hong Kong) Limited would provide Hang Seng Bank commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by Hang Seng Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount.
  7. In respect of an eligible dispute arising between the Hang Seng Bank Limited and the customer out of the selling process or processing of the related transaction, Hang Seng Bank Limited is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved directly between QBE General Insurance (Hong Kong) Limited and the customer.
Remark(s)