Offers up to HKD1 million per year in hospital and surgical benefits, claiming up to 90% of hospital and surgical expenses after paying the annual deductible.

Wide deductible options ranging from HKD30,000 to HKD200,000 per policy year, in addition to 3 plan levels room type to tailor your best protection.

Once the policy is issued, regardless of your health conditions or claims record, the policy is guaranteed renewable every year.

Subject to maximum benefit limit, after paying the annual deductible, you are covered up to 50% of hospitalisation expenses even if hospitalised outside Hong Kong.

Once the application is approved, the protection will take effect immediately without waiting period.

Premium will not be increased due to changes in your health conditions, claims records or occupation upon policy renewal.