Hong Kong

Medical Protection

You deserve the best medical protection for life

World class medical protection with lifetime coverage up to HK$/MOP40,000,000 ‧ Guaranteed renewal 

As a modern man or woman, you are faced with demands from all fronts on a daily basis, including your career, your family, your friends and yourself. To allow you to focus on the important aspects of your life, you need a comprehensive and flexible medical plan that will take care of your health and give you true peace of mind.

CEO Medical Plan (Worldwide) offers you the coverage for hospitalisation and surgical treatment, and optional riders on outpatient and dental treatment, with full financial cover for many major benefit items#.

# Subject to maximum Annual Limit of HK$/MOP16,000,000, Overall Lifetime Limit of HK$/MOP$40,000,000, and the terms, conditions and exclusions of the Policy. Certain other benefit items are subject to respective coverage/maximum limits set out in the Schedule of Benefits attached to the Policy.


Remarks:

1.This webpage is for general information purposes only. It is not a contract of insurance nor does it form any part of the Policy contract. Details are subject to the terms, conditions, provisions and exclusions of the Policy contract.

2. Benefits are only payable with respect to illness that commences 30 days after the later of the Issue Date or the latest Commencement Date of this Policy, whereas immediate coverage is provided for any injury caused by accident which occurs after the later of the Issue Date or the latest Commencement Date of this Policy.

3. Investigation, treatment or surgery for tonsils, adenoids, hernia and disease peculiar to the female generative organs are covered if the Policy has continuously been in force for 120 days before such investigation, treatment or surgery.

4. The Insured is regarded to have taken up residence in North America or Western Europe if s/he has been present in North America or Western Europe for a period of 365 or more consecutive days, including the days of arrival and departure. If the Insured takes up residence in North America or Western Europe, commencing from the date of such taking up of residence, with respect to any covered Confinement, surgery and/or medical treatment which takes place in North America or Western Europe (as the case may be), any benefits payable under Parts I-V of the Basic Plan and any optional benefits payable under any supplementary contracts attached to the Basic Plan shall be permanently reduced to sixty percent (60%) of the relevant reimburseable charges. However, the Annual Limit and Overall Lifetime Limit shown on the Schedule of Benefits as well as any selected deductible amount will remain unchanged.

'North America' means the United States and Canada.

'Western Europe' means Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Monaco, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom and Vatican City.

5. This cover may be renewed annually during the lifetime of the Insured provided this plan continues to be available. The renewal premium will be based on the attained age of the Insured and the applicable premium table upon renewal. Such premium table is not guaranteed and is subject to change. The Company reserves the right to revise it from time to time. The Company also reserves the right to revise the benefit structure and/or any other product features as determined by us, on any Policy Anniversary Date or renewal by giving a 30-day prior written notice.

6. You may renew this cover by advance payment of the appropriate annual premiums on each Policy Anniversary. We reserve the right to determine the terms and conditions for renewal.

7. The “Credit Facility Service for Hospitalisation” is not a contractual service but an administrative arrangement offered in our absolute discretion in respect of covered expenses incurred during the Insured’s Confinement in Hospital. It is subject to termination at any time without prior notice.

  • Worry-free Worldwide Cover
    Subject to an Overall Lifetime Limit of HK$/MOP40,000,000, we will fully cover medical costs incurred in any policy year up to the maximum Annual Limit of HK$/MOP16,000,000 for major benefit items, such as outpatient consultations, hospital daily room and board charges, physician's and specialist's fees, intensive care unit charges, and charges incurred for hospital companion bed.
  • Different Plans to Suit Different Needs
    We offer you 3 plans with different level of deductibles to best suit your needs. Whether you are looking for a full cover plan or top-up cover to supplement your current medical plan , you can rest assured that you are well provided for.
  • Optional Riders
    We offer riders for outpatient and dental coverage^ that you can choose according to your individual needs.
  • Credit Facility Service for Hospitalisation
    For your complete peace of mind when hospitalised, we offer a cashless hospitalisation arrangement, "Credit Facility Service for Hospitalisation" Once your "Credit Facility Service for Hospitalisation" has been successfully arranged, we will settle payment directly with the hospital on your behalf - saving you the hassle of settling hospital bills and making a claim.
  • Outpatient Surgical Benefits
    In the event that you need to undergo minor surgery, you can choose to have it performed at a clinic without hospitalisation. We will cover the costs of these outpatient minor surgeries.
  • Post-hospitalisation Benefits
    We provide the following benefits to help you obtain the very best post-hospitalisation care:

    1. Post-Hospitalisation Outpatient Consultation
    2. Post Surgery Home Nursing Benefit
    3. Rehabilitation Benefit
    4. Hospice Care Benefit
  • Lifelong guaranteed renewable cover
    A truly rewarding life should be free from worries, particularly after your retirement. The coverage is guaranteed renewable every year to provide whole life protection.
  • Compassionate Death Benefit
    Unpredictable events can put enormous financial strain on your family. In the unfortunate event that the Insured dies while the Policy is in force, we will provide a Compassionate Death Benefit to the beneficiary regardless of the cause of death.
  • Worldwide Emergency Assistance Services
    You are fully covered for up to HK$/MOP1,000,000 of emergency assistance services. If you suffer Serious Injury or Sickness while traveling outside of Hong Kong and Macau, you can contact our service provider, AIA International Assistance Services ("AIAS"), for emergency medical evacuation to the nearest appropriate medical facility if necessary.

^Outpatient rider shall be attached at the same time


Remarks:

1.This webpage is for general information purposes only. It is not a contract of insurance nor does it form any part of the Policy contract. Details are subject to the terms, conditions, provisions and exclusions of the Policy contract.

2. Benefits are only payable with respect to illness that commences 30 days after the later of the Issue Date or the latest Commencement Date of this Policy, whereas immediate coverage is provided for any injury caused by accident which occurs after the later of the Issue Date or the latest Commencement Date of this Policy.

3. Investigation, treatment or surgery for tonsils, adenoids, hernia and disease peculiar to the female generative organs are covered if the Policy has continuously been in force for 120 days before such investigation, treatment or surgery.

4. The Insured is regarded to have taken up residence in North America or Western Europe if s/he has been present in North America or Western Europe for a period of 365 or more consecutive days, including the days of arrival and departure. If the Insured takes up residence in North America or Western Europe, commencing from the date of such taking up of residence, with respect to any covered Confinement, surgery and/or medical treatment which takes place in North America or Western Europe (as the case may be), any benefits payable under Parts I-V of the Basic Plan and any optional benefits payable under any supplementary contracts attached to the Basic Plan shall be permanently reduced to sixty percent (60%) of the relevant reimburseable charges. However, the Annual Limit and Overall Lifetime Limit shown on the Schedule of Benefits as well as any selected deductible amount will remain unchanged.

'North America' means the United States and Canada.

'Western Europe' means Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Monaco, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom and Vatican City.

5. This cover may be renewed annually during the lifetime of the Insured provided this plan continues to be available. The renewal premium will be based on the attained age of the Insured and the applicable premium table upon renewal. Such premium table is not guaranteed and is subject to change. The Company reserves the right to revise it from time to time. The Company also reserves the right to revise the benefit structure and/or any other product features as determined by us, on any Policy Anniversary Date or renewal by giving a 30-day prior written notice.

6. You may renew this cover by advance payment of the appropriate annual premiums on each Policy Anniversary. We reserve the right to determine the terms and conditions for renewal.

7. The "Credit Facility Service for Hospitalisation" is not a contractual service but an administrative arrangement offered in our absolute discretion in respect of covered expenses incurred during the Insured's Confinement in Hospital. It is subject to termination at any time without prior notice.