Hospital Cash Insurance

30% "no claims" refund after 5 years

HospitalSurance not only pays - should you need to be hospitalised - it also pays if you don't. If you don't make a claim for five consecutive years, you'll get a cash refund of 30% of the hospital insurance premiums you have paid. So no matter what, you benefit by enrolling in Hospital Cash Insurance.

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Flexible cash plans to suit your needs

There are four levels of cash benefits available in our HospitalSurance plan, ranging from HK$500 to HK$2,000 per day. You have the flexibility to choose according to your medical protection needs and budget. The cash benefits can continue for as long as 750 days, or up to HK$1,500,000, per illness or accident.

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Double benefits- up to HK$3,000,000

In the below cases, HospitalSurance will pay double cash benefits of up to HK$4,000 per day for as long as 750 days* to make sure you get the additional financial help you need:

• treatment requires an intensive care unit
• you and your insured spouse are hospitalized as a result of the same accident
• you are hospitalized anywhere outside the Hong Kong SAR, Macau SAR, or mainland China
• you are hospitalized for a major organ transplant, including bone marrow transplant

*Up to 90 days in an intensive care unit

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Lower premiums locked in at an earlier age

HospitalSurance premium is based on your age at entry and generally does not increase with age. Your Hospital Cash Insurance policy will be automatically renewed until your 65th birthday.

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Surgical allowance benefit

On top of your daily cash benefits, HospitalSurance will also reimburse surgical expenses should you need an operation while you are in hospital - such as surgeon's fee, anaesthetist's fee and the operating theatre fee - up to ten times your daily limit, per illness or accident

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10% discount for family enrolment

Enjoy a 10% discount when you cover your spouse or children with our hospital insurance plan. Any number of children will be covered with one fixed premium. All unmarried dependent children are covered from the age of six months to 21 years, or until the age of 23 if they are full-time students at an accredited school or college. Additional children are automatically covered by our hospital insurance plan when they reach the age of six months, at no extra cost.

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Premiums*

* The above premiums will be effective from 1 January 2009 onwards
 
Note: Premiums are based on your age at entry, but they are not guaranteed to remain unchanged and HSBC Insurance (Asia) Limited reserves the right to vary the premiums of the policy.

#Benefit for children is 50% of the specified adult limit. Unmarried dependent children are covered from the age of six months to 21 years, or until the age of 23 if they are full-time students at an accredited school or college.

Major Exclusion

• Pre-existing conditions and congenital abnormalities.
• Dental and optical treatment.
• Pregnancy and fertility or infertility treatment.
• Cosmetic surgery, prosthetic appliances and routine medical examinations.
• Drug addiction, alcoholism, sexually transmitted diseases, and HIV if diagnosed within five years from inception of cover.
• War and insurrection, dangerous sports and activities.
• Hospitalization primarily for diagnostic scanning, X-ray examinations or physical therapy.

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