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Flexibility for Employers & Care for Employees

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Flexibility for Employers & Care for Employees

Group Medical Insurance

MSIG Group Medical Insurance aims at providing customized protection for your employees and at the same time, fits your budget

Benefits
  • Hospitalisation & Surgical Benefit
  • Supplementary Major Medical Benefit
  • Outpatient Benefit
  • Dental Benefit
  • Personal Accident Benefit
Eligibility

1.Company is registered and operating in Hong Kong

2.Minimum 3 employees

3.Age requirement :

  • Full time employees aged under 65
  • Employees’ spouse aged under 65
  • Employees’ unmarried child(ren) aged between 15 days and 17 years, or below 26 years if in full-time education (with valid student identification for 18 years or above)

4.Individual health declaration is required for group with 5 employees or below

5.All eligible permanent full-time employees must be enrolled

6.Premiums are payable annually in advance

Important notes
  • Renewal premium will be adjusted based on terms and premium prevailing at the time of renewal and claim experience of client.
  • The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product. The policy may contain terms and conditions which are not detailed in the above. Should there be any discrepancy between the information contained in the above and the terms of the policy, the terms of the policy shall prevail. For exact terms and conditions and details of the exclusions, please refer to the relevant policy or contact MSIG.
  • The Insurance Authority (“IA”) has announced the collection of levy on insurance premium under the ‘Insurance Ordinance’ with effect from 1 January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy.
General exclusion

1.Pre-existing conditions.

2.Congenital and developmental conditions

3.Drug addiction or alcoholism

4.Suicide or self–inflicted injury

5.Cosmetic surgery

6.Dental and optical treatment

7.Pregnancy, childbirth, birth control and treatment for infertility

8.Sexually transmitted disease, AIDS or HIV-related conditions

9.Routine medical check-ups ‎

10.Professional and hazardous sports

11.Appliances, equipment and implants

12.War or warlike operation, strike, riot and civil revolution

The above is a summary of Major Exclusions only. For details, please refer to policy provisions.

Disclaimer and Important Notes

The above plan is underwritten by MSIG Insurance (Hong Kong) Limited (“MSIG”) which is a general insurer authorized and regulated by the Insurance Authority of the HKSAR. Standard Chartered Bank (Hong Kong) Limited (“SCBHK”) is an insurance agent appointed by MSIG. To the extent permissible by law, SCBHK shall not be liable to any person for the use of any of the above information.

The above plan, offered by MSIG, is only available for subscription by residents of the HKSAR, subject to the relevant Terms and Conditions.

The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product. The policy may contain Terms and Conditions which are not detailed in the above. If there is any discrepancy between the information contained in the above and the Terms of the policy, the Terms of the policy shall prevail. For exact Terms and Conditions and details of the exclusions, please refer to the relevant policy or contact MSIG.

The material and information contained on this Web Site is provided for general information only and should not be used as a basis for making business decisions. Any advice or information received via this Web Site should not be relied upon without consulting primary or more accurate or more up-to-date sources of information or specific professional advice. You are recommended to obtain such professional advice where appropriate.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Standard Chartered Bank (Hong Kong) Limited and the customer out of the selling process or processing of the related transaction, Standard Chartered Bank (Hong Kong) Limited will enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the product should be resolved directly between MSIG and the customer.