AIA understands you want the best medical cover for your circumstances. That’s why our Super Good Health Medical Plan 2 offers you with a comprehensive medical expenses reimbursement with a guaranteed lifetime renewal. In addition, the plan provides you with an access to our quality medical network with expanded cover. You can also choose from three plan options for hospital accommodation according to your budget and medical needs.
Super Good Health 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.
No claim bonus
AIA believes in maintaining healthy living habits, and we encourage you to maintain yours by rewarding you with a bonus, up to 15% of the total premium paid for the preceding cover year.
If no claim is made for 3 consecutive policy years or more, you will be eligible for this bonus on each corresponding policy anniversary. Please refer to the following table for refund percentage distribution of the bonus.
No Claim Period
3 consecutive policy years: 5% refund
4 consecutive policy years: 10% refund
5 or more consecutive policy years: 15% refund
Even if you received a specified outpatient surgery at any of our network clinics and day surgery centre or made a claim for top-up subsidy benefit (see benefits schedule item 16 in product brochure for details), your eligibility for this bonus will not be affected.
With your electronic network card, you can enjoy all the benefits offered under the plan’s medical network. When this plan has been in effect for 180 days and once the service is arranged successfully, you can book for specified outpatient surgery at the network clinics and day surgery centre on a cashless basis, freeing you from settling bills and making a subsequent claim.
For more information, please refer to our day surgery and network services leaflet for Super Good Health 2.
If you are diagnosed with a serious illness, an expert team is here to help. Through Personal Medical Case Management service, our designated service provider will get you the medical and emotional support you need with ongoing updates on your condition.
When you’re admitted to hospital, worrying about paying for medical care should be the last thing on your mind.
This plan alleviates your burden by settling your hospital bill on your behalf. Once the service is arranged successfully, we will settle directly with the private hospital the medical expenses incurred during hospital stay on your behalf.
You can then focus fully on your recovery without having to worry about paying hospital bills and making a subsequent claim. Any shortfall payment resulting from your hospital stay will be settled after treatment, leaving you stress-free at this critical time. After the final claim amount has been settled, any related benefit limits will be reduced accordingly.
For more information, please refer to our Credit Facility Service for Hospitalisation leaflet.
This provides cover beyond the maximum benefit of confinement, surgical and other medical benefits.
Top Up Subsidy Benefit
Payable if a claim is successfully reimbursed by other insurance companies before remaining amounts are claimed under this plan.
How much would this cost you?
Tell us a little bit about yourself, or someone else you'd like to protect, and for how much you'd like to be covered, and we will provide you with an estimated premium for your policy.
Like what you've read? This is just a summary of our product. If you want more information, please contact your financial planner for a financial needs analysis and an accurate quote for the cover you need.
All information here is for reference only. Please refer to the policy contract for the definitions of capitalised terms, and the exact and complete terms and conditions of coverage.
We would like to remind you to review the relevant product materials and proposal illustrations (if applicable) provided to you and seek independent professional advice if necessary.
Key Product Risks
You need to pay the premium for this plan for life as long as you renew for this plan. If you do not pay the premium within 31 days of the premium due date, the policy will be terminated and you / the person protected under the policy will lose the cover.
We will terminate your policy and you / the person protected under the policy will lose the cover when one of the following happens:
the person protected under the policy passes away; or
you do not pay the premium within 31 days of the premium due date.
For SMM cover, we will terminate such SMM rider and you / the person protected under the policy will lose the cover when one of the following happens:
the aggregate benefit amounts paid by us under one or more SMM riders reach the overall SMM lifetime limit; or
the aggregate benefit amounts paid by us under this SMM rider reach the lifetime limit.
We underwrite the plan and you are subject to our credit risk. If we are unable to satisfy the financial obligations of the policy, the person protected under the policy may lose his cover and you may lose the remaining premium for that policy year.
You are subject to exchange rate risks for plans denominated in currencies other than the local currency. Exchange rates fluctuate from time to time. You may suffer a loss of your benefit values and the subsequent premium payments (if any) may be higher than your initial premium payment as a result of exchange rate fluctuations. You should consider the exchange rate risks and decide whether to take such risks.
The future medical costs will be higher than they are today due to inflation. Hence, the benefit amounts and the future premium rate of this plan may be revised to reflect the inflation.
Under this plan, we will not cover the person protected under the policy for the hospital/ medical expenses that result from any of the following events:
any treatment, investigation, service or supplies which is not medically necessary
any pre-existing condition or congenital defect that appears or is diagnosed before the person protected under the policy reaches the age of 17
self-destruction, intentional self-inflicted injury or drug abuse
war or warlike operations, strikes, riots and civil commotion, any violation or attempted violation of the law or resisting arrest
pregnancy, miscarriage, child birth, voluntary termination of pregnancy, or complications of them, mental or nervous disorder, except for the Mental or Nervous Disorder Benefit (see benefits schedule item 14 in product brochure for details), AIDS or any complications associated with HIV infection
cosmetic or plastic surgery, dental care or surgery, corrective aids and treatments of refractive errors unless necessitated by injury caused by an accident, body check-up, gradual recovery of health or rest care
The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions.
Premium Adjustment and Product Features Revision
In order to provide you with continuous protection, we will annually review and adjust the premium of your plan accordingly at the end of policy year if necessary. During the review, we may consider factors including but not limited to the following:
claim costs incurred from all policies under this plan and the expected claim outgo in the coming year which reflects the impact of medical trend, medical cost inflation and product feature revisions
historical investment returns and the future outlook of the product's backing asset
policy surrenders and lapses
expenses directly related to the policy and indirect expenses allocated to this product
Product Features Revision
We reserve the right to revise the benefit structure, terms and conditions and / or product features, so as to keep pace with the times for medical advancement and to provide you with continuous protection.
We will give you a written notice of any revision before the end of policy year or renewal.
Cover for specific items will be effective on the following dates (after the policy commences):
Accidental injury: Immediately
Illness: 30 days
Investigation / treatment / surgery for tonsils, adenoids, hernias or a disease peculiar to the female generative organs: 120 days
Network service: 180 days
We only cover the charges and / or expenses of the person protected under the policy on medically necessary and reasonable and customary basis.
“Medically necessary” means that the medical services, diagnosis and / or treatments are:
delivered according to standards of good medical practice;
cannot be safely delivered in a lower level of medical care.
Experimental, screening, and preventive services or supplies are not considered medically necessary.
“Reasonable and customary” means:
the medical services, diagnosis and / or treatments are medically necessary and delivered according to standards of good medical practice;
the costs of your medical services and the duration of your hospital stay are not more expensive or longer than the usual level of charges or duration for similar treatment in the locality of such services delivered; and
does not include charges that would not have been made if no insurance existed.
We may adjust any and all benefits payable in relation to any hospital / medical charges which is not a reasonable and customary charge.
The maximum limit of surgical benefits are subject to the degree of complexity of the surgical procedure.
Except for the "Emergency outpatient treatment benefit (Accident only)" (benefits schedule item 10 in product brochure ) and "Long term treatment benefit" (benefits schedule item 15 in product brochure), unless otherwise stated, benefit limits apply to each of the same confinement and same surgical procedure.
"Same Confinement" refers to two or more admissions that are due to the same or related Covered Injury or Covered Illness, or to any complications arising therefrom. Such Confinements shall be regarded as one and the same Confinement if each of them is not separated by more than 90 days from the paid or payable Confinement, which immediately precedes it. Limits for Confinement benefits shall be determined based on the aforesaid terms.
“Same surgical procedure” refers to two or more surgical procedures which are due to the same or related Covered Injury or Covered Illness, or to any complications arising therefrom. Such surgical procedures shall be regarded as one and the same surgical procedure if each of them is not separated by more than 90 days from the paid or payable surgical procedure, which immediately precedes it.
For the person protected under the policy below age of 18, circumcision is excluded in the 1st policy year from policy effective date. There will be a deductible applying in 2nd to 5th policy year as follow:
2nd – 3rd policy year: US$625; HK$/MOP5,000
4th – 5th policy year: US$375; HK$/MOP3,000
Adjustment factor is applied to adjust the eligible expenses for the calculation of the benefit payable under SMM rider, when the person protected under the policy is confined in a room type in a hospital which is at a higher level than the room type corresponding to the plan level chosen.
The Personal Medical Case Management and Credit Facility Service for Hospitalisation are not contractual services but the administrative arrangements offered in our absolute discretion. It is subject to termination at any time without prior notice.
If you wish to make a claim, you must notify us within 10 days of the date of admission to hospital, and send us the appropriate forms and proofs within 30 days after treatment / discharge from hospital. 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.
You have the right to cancel and obtain a refund of any premiums and any levy paid by giving written notice to us.
Such notice must be signed by you and submitted to the Customer Service Centre of AIA International Limited at 12/F, AIA Tower, 183 Electric Road, North Point, Hong Kong or the Customer Service Centre of AIA International Limited at Unit 1903, 19/F, AIA Tower, 251A-301 Avenida Comercial de Macau, Macau within 21 days after the delivery of the policy or issue of the written notice to you or your representative informing you that the policy is available, whichever is earlier.
This website is for reference only. Please refer to the policy contract for the definitions of capitalised terms, and the exact and complete terms and conditions of cover. We would like to remind you to review the relevant product materials provided to you and seek independent professional advice if necessary.
This plan is an insurance plan without any savings element. All premiums are paid for the insurance and related costs.
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