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Critical illness plan’ lump-sum payout covers non-medical daily expense for serious illnesses, while medical insurance plan covers for hospitalization expenses on a reimbursement basis. You may think that you have got adequate insurance protection, but the truth is, not every serious illness is critical illness! Even you might have got your hospitalization expenses covered when having surgery, there could be nothing to support non-medical daily expense during your recovery journey.
Lump-sum benefit for both major and minor surgeries
It could take times to recover after surgery even that may not be caused by critical illness. For example, you may require a laser lithotripsy for bladder stone, myomectomy for uterus fibroids or surgery for fracture.
Therefore, SurgiCare Surgical Insurance Plan provides you lump-sum benefit for these surgeries to fill the gap for you.
SurgiCare Surgical Insurance Plan
- 【First-in-market1】 Covers over 450 surgical procedures via four surgical procedure levels2 – referencing VHIS’s classifications
- Lump-sum benefit whenever a surgery is needed to treat your illness
- Premiums immune to medical inflation
- Guaranteed renewal up to age 1003,4
- An extra one off 5% payout of the sum insured for juvenile policies5,7
- Compassionate Death Benefit6,7 as an extra financial support
Common surgery covered:
- Oesophagogastroduodenoscopy (OGD)
- Laser lithotripsy for bladder stone
- Myomectomy for fibroids
- Spinal fusion
Remarks
- The term “first-in-market” refers to the surgical procedure benefits that are paid referencing the Voluntary Health Insurance Scheme (VHIS) surgical procedure levels (according to internal market research conducted on 15 July 2021).
- The benefit payable is based on four levels of different surgical procedures according to their relative degree of complexity including minor surgical procedure, intermediate surgical procedure, major surgical procedure and complex surgical procedure. Unless specified otherwise in schedule of surgical procedures in the policy contract, any covered surgical procedure that is performed on (i) the right component, or (ii) the left component, or (iii) both components of the paired organ will all be regarded as the same surgical procedure, irrespective whether such covered surgical procedures are or are not performed during the same confinement or on the same day for day case procedures (as applicable).
- Subject to the terms and benefits of the policy contract, you have a guaranteed right to renew the policy by making payment of the prevailing premium on each policy anniversary.
- “age 100” refers to the policy anniversary on or immediately following the insured’s 100th birthday, whichever is earlier.
- The Companion Benefit can be claimed once only. It will no longer be available if no Complex Surgical Procedure Benefit or Major Surgical Procedure Benefit has been paid or is payable before the policy anniversary on or immediately following the insured’s 12th birthday, whichever is earlier. “age 12” refers to the policy anniversary on or immediately following the insured’s 12th birthday, whichever is earlier.
- If the insured dies while the coverage of the plan is in effect, we will pay a Compassionate Death Benefit of HKD5,000. Once the Compassionate Death Benefit becomes payable, the policy will automatically terminate.
- Any indebtedness and outstanding premiums will be deducted from the relevant benefit(s) payable. If two or more covered surgical procedures arising directly or indirectly from the same disability are performed on the insured, the benefit payable under the basic plan shall be limited to the benefit payable in respect of the covered surgical procedure with the higher/ highest level (as the case may be) of complexity, irrespective whether such covered surgical procedures are or are not performed during the same confinement or on the same day for case of day case procedures (as applicable). Any and all complications arising from a disability and conditions resulting from the same cause of such disability shall be considered as the same disability.
Disclaimer
Information on this webpage is for reference only, and not intended to be a complete description of the applicable terms and conditions. Please refer to the relevant product brochure and policy contract for detailed terms and conditions. You should not purchase a policy based on the information on this website alone
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