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Your family responsibilities remain even as you progress with your career, arranging dependable medical protection is essential in your journey. This is why AIA’s CEO Essence Medical Plan 2 offers you and your family superb medical cover throughout Asia with guaranteed renewal. Enjoy full reimbursement with no benefit sub-limit for major medical expenses, hospital stays in a semi-private room and extended caring protection. Take on whatever challenges life has in store, and rest assured we’ve got your back.
Limited time offerApply now to enjoy up to 4.5 months premium refund. |
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Terms & conditions apply. Details please download and refer to the promotion leaflet
CEO Essence Medical Plan 2 is a medical protection insurance plan that provides lifetime cover up to HK$/MOP25,000,000. With this plan, you will enjoy broad hospitalisation and surgical cover in Asia, giving you support when you need it most.
CEO Essence Medical Plan 2 guarantees that your premium for renewal will not be raised for any claim you have made, or any changes in your health condition. You can renew your cover every year for life. Renewal premium will be based on the prevailing premium rates at the time of renewal (Please refer to the Annual Premium Table for the first year premium provided by your financial planner).
Stroke is a common disease with potentially harmful consequences, often requiring extensive periods of recovery and additional living support. This plan offers extended caring protection to address the daily needs and self-care capabilities of stroke patients, so that you may receive the proper care even in the comfort of your own home. These include:
This plan also includes enhanced support for cancer patients with cover for chemotherapy, radiotherapy, targeted therapy and the related consultations, medications and diagnostic tests. For patients with kidney diseases, we also cover the expenses required for regular dialysis treatments.
If no claim is made for two consecutive cover years, our CEO Essence Medical Plan 2 offers a 10% discount on your selected deductible choice in the following cover year. Such discount will accumulate every two consecutive cover years and can reach up to 100%, meaning that the deductible amount can be reduced to zero.
The discount applies to the original deductible amount of your plan, and will be reset to 0% in the next cover year upon claim payment.
Even if you received hospital cash benefit, outpatient surgery benefit, outpatient surgery cash benefit or worldwide emergency assistance services (see benefits schedule, items 8, 10, 12 and 27 for details), your eligibility for this discount will not be affected.
Timely medical protection can improve your chances of a quick recovery. That is why AIA CARE+, AIA’s all-in-one medical services platform, offers a range of additional services to assist you in the hospital and beyond, for a smooth treatment journey. Through key partnerships with leading medical specialists and institutions, AIA CARE+ connects you to personalised treatments, priority financial arrangements for hospitalisation, worldwide assistance and more. With AIA CARE+ on your side, you can rest assured knowing that your health is in good hands, so you can focus on your recovery and spending time with your loved ones.
If you are unfortunately diagnosed with a serious illness, an expert team is here to help. Through Personal Medical Case Management Services, our designated service provider will get you the medical support you need with ongoing updates on your condition.
Your diagnosis and treatment will be assessed by a specialist, so you can count on additional medical expertise to help you overcome your health challenges with confidence.
For more information, please refer to the Personal Medical Case Management Services leaflet.
* This service is provided by the designated service provider engaged by AIAHK and is not applicable to Macau Region.
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This is a value-added service designed to further enhance your peace of mind in a medical situation. Our medical network has a group of multi-disciplinary medical specialists and provides you with access to a number of advanced day case medical centres, a safe and convenient alternative to hospitals. You can book day case procedure at network clinics and day case procedure centres, the network doctor will apply for the Medical Expense Pre-approval Service on your behalf. You can also enjoy the convenience of cashless hospitalisation (also known as Credit Facility Service for Hospitalisation) and a dedicated hotline for centralised booking.
For more information, please refer to the specialist network leaflet.
* This service is provided by the designated service provider engaged by AIAHK and is not applicable to Macau Region.
When you are facing a health challenge, the last thing you want is the hassle of paying your medical bills, especially in a foreign country. Through AIA CARE+, you can enjoy the total convenience of cashless hospitalisation, even while in designated private hospitals in Asia, including Singapore, Malaysia and Thailand, as well as the United States and Europe (subject to geographic cover set out in the benefit schedule). Once this service has been approved, we will settle the medical expenses incurred during your hospital stay on your behalf, allowing you to focus on your recovery without the stress of paying hospital bills and making subsequent claims. Any shortfall payment resulting from your hospital stay will be settled after your treatment. Once the final claim amount has been settled, any related benefit limits will be reduced accordingly.
For more information and the list of designated hospitals, please refer to our Credit Facility Service for Hospitalisation leaflet.
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A worldwide assistance hotline is open 24/7 for any emergency support you might need, especially when you are abroad. Help is always just one call away.
We understand that everyone’s situation is different. That’s why we offer various benefit combination choices to suit your personal medical needs:
Annual Deductible Choices
Whether you are looking for full protection or top-up cover to supplement your current medical plan, annual deductible choices allow you to specify how much you are willing to pay before you claim. Higher deductible amount could lower your premium. For example, if you chose an annual deductible of HK$/MOP16,000 and your eligible medical expense is HK$/MOP100,000, you would receive HK$/MOP100,000 less your deductible, which would be HK$/MOP84,000.
You can also choose to reduce your annual deductible amount to a specified amount without having to provide us with current details of your health upon the anniversary of your cover at the age of 50, 55, 60 or 65. The premium will be adjusted based on your selected deductible amount, and your out-of-pocket limit for a claim will be reduced. Before making your request for this reduction of deductible, you may have to reassess if this reduction can suit your personal needs.
Deductible
This is the specified amount that you have to pay in every policy year before any benefits are paid out.
Premium
This is the fee you pay us for your policy.
Under this plan, we will not cover any of the following events or conditions:
The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions.
We will give you a written notice of any revision 31 days before the end of policy year or upon renewal.
If you wish to make a claim, you must notify us in writing within 20 days of the date the covered event happened, and send us the appropriate forms and relevant proof within 90 days of the same date. You can get the appropriate claim forms from your financial planner, by calling the AIA Customer Hotline (852) 2232 8888 in Hong Kong, or (853) 8988 1822 in Macau, or by visiting any AIA Customer Service Centre. If you wish to know more about claim related matter, you may visit "File A Claim" section under our company website www.aia.com.hk.
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