If you are suspected of contracting, or are confirmed to have contracted the COVID-19, you do not need to apply for pre-authorisation for hospital admission in Hong Kong, Macau and Mainland China and can also apply for any related claims.

If you are admitted to an isolation ward in a hospital in Hong Kong, Macau or Mainland China due to a suspected or confirmed case of COVID-19 infection, you are still entitled to claim eligible medical expenses regardless of the type of hospital ward.

If you are admitted to a private hospital that requires COVID-19 admission screening test, you can submit the claim for the relevant fee of the admission screening together with your in-patient hospital expenses benefits after discharging from hospital.