This rider offers 4 levels of plans - Standard, Deluxe, Super-Deluxe and Ultra-Deluxe to suit your need. It is suitable for those who are aged between 0 and 65 and is renewable up to the age of 100.
Confinement Benefits: Hospital Daily Room & Board, Physician’s Visit Benefit, Miscellaneous Hospital Expenses Benefit and Intensive Care Benefit.
Other benefits: Emergency Outpatient Treatment Benefit (Accident), Daily Post-surgery Home Nursing Benefit#1, Chiropractor/Physiotherapist Consultation#1, Medical Accident and Incident Extension Benefit, and Worldwide Emergency Assistance Services.
Supplemental Major Medical Benefit: An optional benefit, which provides supplementary reimbursement benefits for hospital and other relevant expenses incurred in excess of those provided by “Super Good Health Hospital & Surgical Rider”.
No Claim Bonus: If you have not made any claim within 3 policy years or more while your rider is in force#2, you will be refunded with a percentage of the Super Good Health premium paid for the preceding policy year as a bonus, as set out below#3:
No Claim Period
Refund Percentage
3 consecutive policy years
5%
4 consecutive policy years
10%
5 or more consecutive policy years
15%
This rider provides a series of hospitalization protection relieving you and your family of any financial burden in the event of hospitalization due to sickness or accident.
#1
Only available for Deluxe, Super-Deluxe and Ultra-Deluxe Plans.
#2
Endorsement(s) related to the No Claim Bonus feature should be included.
#3
You shall be entitled to the highest Refund Percentage applicable.
Remarks:
1
Benefits are only payable with respect to illness that commences 30 days after the Issue Date or Commencement Date (whichever is later) of this rider whereas immediate coverage is provided for hospital confinements due to accidents.
2
For investigation, treatment, or surgery for tonsils, adenoids, hernia, or a disease peculiar to the female generative organs, the waiting period is 120 days.
3
For Insured aged under 18, circumcision is excluded in the 1st year from the Issue Date or Commencement Date (whichever is later) of this rider; there will be a deductible of US$625/HK$5,000 and US$375/HK$3,000 in the 2nd to 3rd years and 4th to 5th years respectively.
4
This rider will be renewed annually up to the expiry age as stated in the policy contract. The renewal premium will be based on the attained age of the Insured and the applicable premium rate table upon renewal. Such premium rate table is not fixed and the Company reserves the right to revise it from time to time. By giving the applicable 30-day prior written notice, we may revise the benefit structure, premium, and any other product features as determined by us, or cancel the policy.
5
You may renew your Supplementary Hospitalization Contracts by advance payment of the appropriate annual premiums on each Policy Anniversary, provided that the relevant Supplementary Contract is then available for renewal. We reserve the right to determine the terms and conditions for renewal.
6
This rider is available to Hong Kong residents only.
Information in this website is for reference only. Details and exclusions are subject to the terms and conditions of the policy contract.
