1.The insured person should be covered by a valid hospital & surgical insurance policy at the time of hospital confinement or treatment; otherwise the benefit of Top Up Plan will become invalid.

2.Waiting period: 90 days from the effective date of Medical Top Up Plan. Maximum period of coverage: within the first 120 days from the date of termination of employment. The Insured Person has to provide proof of termination of employment upon submission of claim.

3.Lady Care Benefit is a rider benefit of Serious Illness Benefit and cannot be insured separately. Benefit paid for Lady Care Benefit will reduce the Overall Maximum Limit for Serious Illness Benefit.

4.Upon receipt of adequate prior notification of claim for Hospital in-patient treatment, MSIG Insurance (Hong Kong) Limited (“MSIG”) will confirm the extent of insurance benefits, monitor claims procedures, issue (wherever possible) appropriate payment guarantees and/or arrange direct settlement to the Hospitals, Physicians or other service providers subject always to policy terms and conditions. No such payment guarantees or direct settlements can be made if MSIG is not contacted in advance with all relevant details as stated above. Covered outpatient services are not subject to payment guarantees or direct settlement and must be paid by the Insured Person and reimbursement claimed under the policy.

* Prescribed diagnostic imaging tests : computer tomography (“CT” scan), magnetic resonance imaging (“MRI” scan), positron emission tomography (“PET” scan), PET-CT combined and PET-MRI combined

Core Cover Premium Table (HK$)

You may wish to select a fixed Annual Aggregate Deductible†. If your medical expenses exceed your selected Annual Aggregate Deductible, and are not covered by your existing medical insurance, MediSure Pro will cover the outstanding amount beyond the selected Annual Aggregate Deductible. You can enjoy a premium discount of up to 65% when covering yourself with MediSure Pro’s Annual Aggregate Deductible Discount. In doing so, your coverage will be much higher due to being under two medical plans while paying far less.

† “Deductible” is “excess” that policyholders must bear before their insurance cover is payable.

You may change the annual deductible amount within 30 days before the policy anniversary, no underwriting is required if you request to increase the annual deductible amount. However, any request to decrease the annual deductible amount will be subject to underwriting review and you are required to provide us with the current details of your health condition.

Standard Plan: covers Critical Illnesses item (1) – (12)

Comprehensive Plan: covers Critical Illnesses item (1) – (28)

^ 10% discount has been applied to annual premium payment mode

^# Core Cover and Supplementary Major Medical Benefit: only renewal will be accepted at aged 76 or above

Serious Illness Benefits and Lady Care Benefit: only renewal will be accepted at aged 60 or above

1. MediSure Pro applicant must be resident of Hong Kong aged between 18 and 75.
2. Core Cover is eligible for Insured Person(s) aged 15 days to 75 upon enrolment (excluding citizens of the USA or Canada whose Usual Country of Residence is the USA or Canada). Optional Serious Illness Benefit and Lady Care Benefit are eligible for Insured Person(s) aged 18 to 59 upon enrolment and renewal up to aged 79. Applicant can apply MediSure Pro with his/her legal spouse and unmarried children aged 15 days to 17 (full time students up to 23 years old).
3. Medical Top Up Plan is eligible for Insured Person(s) aged 15 days to 59 upon enrolment (excluding citizens of the USA or Canada whose Usual Country of Residence is the USA or Canada). Medical Top Up Plan will be renewed up to aged 69 and will be switched to Gold Plan automatically when the Insured Person attains aged 70 on renewal.
4. Premium will be adjusted when the Insured Person enters the next age group according to the premium table.
5. An extra 10% premium will be charged for standalone covers for children who are under 18.
6. All Insured Persons must select the same plan. Each of them can select different Annual Aggregate Deductible Amount.
7. Optional Serious Illness Benefit and Lady Care Benefit are only applicable to the covered illnesses that are diagnosed after 60 days from the first policy inception date. The Insured Person must survive 21 days after the diagnosis of illness.
8. Optional Serious Illness Benefit and Lady Care Benefit will be terminated when the maximum limit is claimed.
9. All approved applications will be effective on the first day of the following month. Year refers to 12 months from the policy effective date i.e. policy year.
10. Overall Maximum Limit per disability is the maximum amount recoverable by an Insured Person in total in respect of any one disability, which cover claims incurred during any one period of insurance and any subsequent periods of insurance.
11. All medical charges must be reasonable and customary.
12. Cover begins after an application has been accepted and the payable amount has been received. Premium and the Levy once paid will not be refundable except due to return of policy within 14 days Cooling-off Period.
13. Premium and terms may be adjusted at renewal at the discretion of MSIG Insurance (Hong Kong) Limited.
14. Free medical service redemption letter will be sent together with the policy to each Insured Person by mail in 2 months upon policy inception. The redemption letter is non-transferable and cannot be exchanged for cash. Free medical service includes spinal assessment for children, medical check-up plan, bone densitometry or female check-up plan, Insured Person can choose one of the services.
15. Insured person will have 14 days policy review period upon receipt of the insurance policy(ies) and/or policy terms. Insured person may cancel the policy by giving written notice to MSIG within the 14 days policy review period for any reason on the condition that there has been no claim payment incurred or made before the date of cancellation. Any premium and the Levy paid by Insured Person will be refunded without interest. In such case, the policy shall be deemed to have been void from the date of inception. This cancellation right shall not apply at policy renewal.

Important notes:

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.All matters or disputes in relation to this insurance product and the interpretation of the terms and conditions shall be subject to the decision of the MSIG, which shall be final and binding. For further information, please visit www.ia.org.hk/en/levy.

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 at (852) 3122 6722 (Service Hours: Mon – Fri 9:00am – 5:30pm, except public holidays).

All matters or disputes in relation to this insurance product and the interpretation of the terms and conditions shall be subject to the decision of the MSIG, which shall be final and binding.

1. Pre-existing conditions before policy commencement date
2. Routine medical check-ups and vaccinations
3. Cosmetic surgery
4. Dental treatment or oral surgery related to teeth (unless for restoration or replacement of sound natural teeth within 14 days of accident. This exclusion is not applicable to Dental Benefit.)
5. Convalescent care
6. Pregnancy or childbirth, infertility, contraception and sterilization (not applicable to Optional Maternity Benefit, Serious Illness Benefit and Lady Care Benefit)
7. Congenital and heredity conditions
8. Mental and psychiatric disorders
9. Elective overseas treatment for non-emergency medical conditions
10. Participation of hazardous sports and pastime
11. Hospital in-patient treatment for conditions which can be properly treated as an outpatient. This includes hospitalisation primarily for diagnostic scanning, X-ray examinations or physiotherapy treatment.
12. The confinement or treatment for sickness contracted or commencing within 6 months from the commencement of policy for the following disabilities: Tuberculosis, Anal fistulae, Gall stones, stones of kidney, urethra or urinary bladder, hypertension or cardiovascular disease, gastric or duodenal ulcer, diabetes mellitus, tumours or malignancies, haemorrhoids, disorders of tonsils requiring tonsillectomy, disorders of nasal septum, sinus or turbinates, hyperthyroidism, cataracts and prolapsed intervertebral disc or disc degeneration.

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

Please contact MSIG at (852) 3122 6722.

Hotline service hours:

Monday to Friday 9:00 am to 5:30 pm (Except Public Holidays)