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SME Solutions – Group Medical Insurance
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Executive Protect Group Insurance Plan provides your senior executives with superior hospitalisation and surgery cover with no benefit sub-limit for major medical expenses throughout Asia, including Australia and New Zealand.
Other optional benefits cater to a range of needs, including outpatient, dental, optical and maternity cover as well as option to extend protection to your executives’ family members. Offering valuable support in the face of health challenges, Executive Protect Group Insurance Plan also includes access to personal medical case management services provided by our designated service provider and medical services provided by our high - quality medical network providers. Executives retiring or ending their employment can even opt to convert to specified AIA individual medical insurance plan, for long lasting protection.
Executive Protect Group Insurance Plan is a medical protection insurance plan that provides cover of up to HK$12,500,000. With this plan, your executives will enjoy broad hospitalisation and surgical cover in Asia, including Australia and New Zealand, giving them robust support for long-term peace of mind.
We understand that your executives play the essential roles in your company, that is why we cover various medical expenses for hospitalisation and surgery, including room and board, intensive care unit, in-hospital consultation by general and specialist doctors, private nursing, surgical fee as well as medical appliances implanted during surgery etc.
We also provide extensive benefits for your executives, by extending the benefit items to outpatient consultation before/after hospitalisation, cancer treatment, dialysis, inpatient mental health treatment and more, ensuring your executives extra peace of mind.
Remark: All benefits are subject to a maximum annual limit of HK$5,000,000 per policy year and overall lifetime limit of HK$12,500,000 per life, and the terms and exclusions of the policy. Certain benefits items are also subject to reimbursement percentage / sub-limits as set out in the benefits schedule attached to the policy.
No minimum hours of hospital confinement is imposed, and day surgery is covered. This means your executives can choose the most suitable medical solution flexibly according to the doctor’s advice.
Understanding how frequently executives go on business trips, we will cover worldwide emergency treatment expenses and provide extensive worldwide emergency assistance services including:
If the executive unfortunately passes away while the policy is in force, we will pay a compassionate death benefit of HK$80,000 regardless of the cause of death.
If a serious illness strikes, an expert team is on hand to help. Our designated service provider will render the necessary medical support while keeping your executive updated on his or her condition.
Diagnosis and treatment will be assessed by a specialist, supporting your executive through the difficult times in life. For more information, please refer to the Personal Medical Case Management leaflet.
<sup>#</sup>The providers or an authorised representative of the provider of medical network and Personal Medical Case Management is an independent contractor and is not an agent of the Company. The Company shall not be held liable or responsible to the policyholder or the insured member for any act or omission of such provider or an authorised representative of the provider arising from or in connection with services provided or advice given by the provider or its authorised representative(s).
With Executive Protect Group Insurance Plan, insured members can enjoy convenient access to AIA’s carefully selected network of high-quality medical service providers across various disciplines.
This plan lightens the load by settling the hospital bill or day surgery bill on behalf of your executive. Once the insured member completes a simple application procedure and the service has been successfully approved by AIA, we will settle the medical expenses incurred directly with the private hospital or day surgery centre on behalf of your executive, eliminating the stress of worrying about paying bills and making subsequent claims. Any shortfall can be settled after treatment, leaving your executive to recuperate stress-free. After the final claim amount is settled, any related benefit limits will be reduced accordingly.
<sup>#</sup>The providers or an authorised representative of the provider of medical network and Personal Medical Case Management is an independent contractor and is not an agent of the Company. The Company shall not be held liable or responsible to the policyholder or the insured member for any act or omission of such provider or an authorised representative of the provider arising from or in connection with services provided or advice given by the provider or its authorised representative(s).
Annual deductible choices for hospitalisation benefits
Executive Protect Group Insurance Plan offers three annual deductible levels so you can tailor the plan to suit your needs.
The deductible is the amount that your executives will pay before a covered claim.
You can opt for a higher deductible for lower premiums, or choose the no-deductible level.
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For more comprehensive protection, you can add the following benefits for your executives:
Outpatient benefits
To cater the individual medical needs of your executives, we provide reimbursement for a range of outpatient medical expenses, including outpatient consultation by general and specialist doctors, diagnosis and laboratory tests, physiotherapy, chiropractic treatment, Chinese medicine and more.
For the precious moment – maternity benefits
For healthy teeth – dental benefits
For better eye care – optical benefits
If your company has 10 employees or more, you can select Conversion Option for your executives, which allows employees aged 65 or below, who passed the medical underwriting at the time of application for this plan and have been covered in the same plan for at least two consecutive years, to convert to a specified AIA individual medical insurance plan when they retire or end their employment without requiring additional health information. The features of the new plan might be different from Executive Protect Group Insurance Plan. Please contact your financial planner for more information.
Online services
Insured members can access important and practical information via this quick and convenient online platform.
By using the online platform, the insured members can:
Insured members can also access some of the online services via our mobile app.
Direct services for your executives
We handle claims and other transactions directly with your executives or their family members to minimise the administrative burden on you or your HR department.
NurseLine
We understand your executives or their family members might need to check for medical-related information or seek for assistance anytime. Therefore, we provide a “NurseLine” which is manned by registered nurses to answer relevant questions.
Remark: Nurseline is not medical advice and shall not be used as a substitute for advice from your medical practitioner or other health professional. You should obtain professional advice from a medical practitioner or other appropriate health professional in relation to your own personal circumstances or in relation to the diagnosis or treatment of any medical condition. If necessary, you should consult with such a professional. Importantly, the advice from Nurseline cannot replace any advice from a doctor or other health professional.
Emergency Medical Evacuation
Transportation of the member to an appropriate location for the medically necessary treatment in case of serious sickness or injury while traveling overseas.
Repatriation
Transportation of mortal remains of the member to his place of residence/origin in case of his death while travelling overseas.
Staff Replacement Benefit
The sum of money paid to the employer to cover the cost of a temporary replacement if one of their staff has to stop working due to illness or injury.
Number of employees
Age of employees
Age of employees’ family members
This plan is not applicable to the below industries / organisations:
Under this plan, we will not cover conditions that result from any of the following events:
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 the policyholder a written notice of any revision before any policy anniversary or upon renewal.
Daily room charge of the covered room type in the hospital admitted by the insured member (depends on which country / place the insured member stays) |
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Daily room charge of the room the insured member stays |
Regions | Countries |
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Australia | Australia |
New Zealand | New Zealand |
North America (For emergency treatment only) |
United States and Canada |
Western Europe (For emergency treatment only) |
Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Monaco, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom and Vatican City |
* If the insured member is a US citizen and stays in the United States for a period of or periods aggregating 182 days in the 12 consecutive months immediately prior to any covered emergency treatment, such treatment provided to the insured member in such region will be reduced to 50% of his benefit pay-out amount. Such reduction applies to all items in the benefits schedule except worldwide emergency assistance services and compassionate death benefit.
If any of the insured members wishes to make a claim, he/she must send us the appropriate form and relevant proof within 90 days of the date the covered event happened. The appropriate claim form can be downloaded from our website: aia.com.hk or obtained from the financial planner. 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.
You have the right to cancel the policy by giving no less than 31 days’ prior written notice to us, however this will result in the insured member losing his cover and you losing the remaining premium and levy for that policy year. We also reserve the right to cancel the policy upon the policy renewal by giving you no less than 31 days’ prior written notice.
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