Up to 128 years oldIssue age
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MediGold Plus provides an overall lifetime limit of up toHKD128 million3. The plan guarantees that your premium for renewal will not be raised for any claim you have made or any changes in your health condition, allowing you to renew your cover until 128 years of age for truly worry-free medical protection through life.
MediGold Plus offers 3 choices of regional coverage in Asia and worldwide, along with 4 annual deductible options4. What’s more, you can opt for benefits to cover out-patient, dental5 and maternity care6, providing you total healthcare solution.
MediGold Plus offers comprehensive medical protection. The plan provides full coverage for the charges of room and board, doctor’s visit, your miscellaneous hospital expenses during confinement, out-patient surgical expenses, etc. We will also reimburse the expenses for pre/post-confinement, consultation and medication for pre/post-surgery as well as the medical expenses in relation to ancillary treatment and rehabilitation.
- Cancer – It takes time for overseas quality drugs to be registered in Hong Kong. If the insured is diagnosed with cancer and required a drug which hasn’t been registered in Hong Kong, MediGold Plus will pay up to HKD800,000 for Specifically Approved Personalised Drugs7 recommended by a medical practitioner with obtained special permission from the Department of Health. This allows the insured to access the world’s most suitable drug treatment.
- Stroke and heart attack – MediGold Plus offers additional rehabilitation benefit in the event of a stroke or heart attack, covering the expenses incurred due to chiropractic care, physiotherapy, speech therapy or other treatments received from a cardiologist. The benefit even covers home facility enhancement prescribed by an occupational therapist so you can concentrate on recovery without financial worry.
- Newborn Cash8 – A congratulatory HKD3,000 cash will be given to the insured for celebrating the birth of his/her new born baby.
- Pregnancy Complications – Coverage for pregnancy complications in terms of the fees for the treatment and consultation.
- ICU Daily Cash for Premature Newborn Child8– Cash benefit for a prematurely-born baby in intensive care unit (ICU).
If no claim is made for 2 consecutive years, MediGold Plus offers a 10% of the annual deductible amount as discount to against your selected deductible option for the following policy year. This discount applies to your plan’s original annual deductible amount and accumulates every 2 years to a maximum of 100% of the annual deductible amount, which means the annual deductible amount can be reduced to 0. Discount will be reset to 0% for the next year of coverage after a claim is made.
Your entitlement to this discount will NOT be affected by the following items:
- Out-patient Surgical Expenses
- Hospital Cash
- Out-patient Surgery Cash
- Newborn Cash8
- ICU Daily Cash for Premature Newborn Child8
- 24-hour Medical Concierge Hotline10 – MediGold Plus comes complete with the new 24-hour Medical Concierge Hotline, which is always ready to provide information on network medical consultation, doctor referral and hospitalisation. We help you access a network hospital following referral and assist in making a cashless arrangement for your hospitalisation.
- Powerful medical network – Our Medical Concierge Service allows you to access hospitals via our powerful medical network, which comprises 12 private hospitals in Hong Kong, 90 superior facilities in mainland China (including top-tier 3A hospitals), as well as 44 hospitals and medical centres in Japan and Taiwan11, allowing you to enjoy professional medical service with ease.
- Hospitalisation Medical Advisory Service – MediGold Plus provides Hospitalisation Medical Advisory Service for free when you suspect you have contracted a covered illness. Our seasoned medical team9 will explain diagnosis and offer medical consultation on the best course of treatment and medical expense in Hong Kong or overseas.
- Accompanying service12 – On the day of admission, one of the specialists9 will walk you through the inpatient arrangement and admission process so you do not have to queue for anything. Assistance will also be provided to help you collect medical diagnosis reports and receipts, and arrange claims settlement.
- Cashless hospitalisation arrangement – Simply complete an admission form to obtain our prior approval for a cashless arrangement at a network hospital. This will spare you the hassle of paying a deposit before being hospitalised. After discharge, you will not be required to undertake any claims procedure. All allowable medical expenses will be settled directly by us. Please contact service provider9 for details.
- Overseas treatment arrangement – The insured will be covered if a serious illness occurs and no treatment is available in country of origin. Medical Concierge Service team10 will make arrangements for you to receive treatment at a suitable hospital overseas. An example could be proton therapy for cancer, which is unavailable in Hong Kong. It ensures that you can get the most suitable treatment.
You can use our free 24-hour Worldwide Emergency Assistance Services regardless of where you may be. This includes all arrangements and claims for emergency medical evacuation or repatriation, as well as repatriation of remains and compassionate visits etc., providing you with support at any time.
- As long as we still provide the benefit plans for existing customers and you meet the requirements of remark 2, we will guarantee to renew the Basic Plan, Rider(which will be attached to a designated basic plan), as well as Supplementary Out-patient Benefit, Supplementary Dental Benefit and Supplementary Maternity Benefit within the coverage period.
- If the insured changes his / her country of residence, you need to inform us in writing, provide documentary address proof and obtain our approval for renewal. Approved new premium will take effect on next policy anniversary.
- Not applicable to area of coverage in Asia.
- Only applicable to area of coverage in Worldwide (excl. US) and Asia.
- Supplementary Dental Benefit must be enrolled together with Supplementary Out-patient Benefit.
- Supplementary Maternity Benefit must be enrolled together with Supplementary Out-patient Benefit and Supplementary Dental Benefit.
- Specifically Approved Personalised Drugs is applicable to Hong Kong only. For the details of special approval from Department of Health, please contact your attending medical practitioner for enquiry.
- This benefit item is applicable to father or mother as the insured. The birth certificate of newborn baby must be provided to prove that the newborn baby is the child of the insured.
- Medical Concierge Service is provided by Actuarial Insourcing Services Limited (AIS). FTLife Insurance Company Limited reserves the right to change the terms and conditions of Medical Concierge Service without prior notice and assumes no responsibility of the services provided by the third-party service providers. For details, please refer to the terms and conditions of Medical Concierge Programme Document.
- Medical Concierge Hotline operating hours is 24 hours every day.
- The regions and the numbers of hospitals/medical centres covered by the Medical Networks are as of December 2017.
- Accompanying service is only applicable to network hospitals in China.
- Worldwide Emergency Assistance Services are provided by International SOS (HK) Ltd. We reserve the right to change the terms and conditions of Worldwide Emergency Assistance Services without prior notice and assumes no responsibility of the services provided by the third-party service providers.
Source of information: 10Life, an insurance information and comparison platform, MediGold Plus Insurance Plan has won the (10/10) 5 Star Ratings in semi-private room plan in 2020. For details, please visit www.10Life.com.
The above product summary is for reference only. Please refer to the policy provision for the terms and conditions.
If you are interested in this product, please contact your insurance consultant.