Comprehensive Family Plan

1.	Product Highlights
2.	Plan Coverage & Features
3.	Major Exclusions
4.	Blue Cross Health Check-up Profile

Product Highlights

Peace Of Mind

The cost of medical care in Hong Kong and around the world is ever increasing. It is important that you and your family members are protected by adequate medical insurance.

Blue Cross Comprehensive Family Plan provides you with 24-hour and worldwide medical insurance coverage as well as benefits specially designed for children.

Plan Coverage & Features

A Plan To Meet Your Needs

Basic Hospital and Surgical Benefits

Reimburse hospital and surgical expenses due to accident or sickness:

Daily Cash Benefits

You are entitled to daily cash benefits if you are confined in the general ward of government hospital in Hong Kong.

Post-Surgical Care

You can receive post-surgical care from both registered physicians and Chinese medicine practitioners.

24-hour Blue Cross Worldwide Emergency Aid

Whilst travelling abroad, you can call the "Blue Cross Worldwide Emergency Aid 24-hour Alarm Centre" to receive professional medical, legal and travel advice and services anywhere in the world.

Emergency Medical Assistance in China

In case of emergency requiring hospitalisation in China, simply present the "Medpass Card" and you will be able to access a network of over 100 hospitals or medical units without paying any deposits.

Free Coverage for Newborn Child

If you have the whole family covered under one policy, your newly born child will be covered under the Basic Hospital & Surgical Plan from the age of 15 days, till the next policy renewal date.

Companion Bed for Child

Companion bed will be provided if your child is confined in the hospital.

FREE Personal Accident Coverage for Child

If you have added the Optional Personal Accidental Benefits, your children aged 6 or below will be entitled the benefit for FREE provided that they are covered under the Basic Hospital and Surgical Plan.

Table of Basic Hospital & Surgical Plan

Pay 100% of eligible expenses which are reasonable and customary up to the following limits per disability:

	Maximum Benefits per Disability (HK$)
Plan Levels	CP08	CSP08	CW08
Benefit Items	Entitled Level of Accommodation
Benefit Items	Private Room	Semi-Private Room	Ward
Daily Room & Board (up to a maximum of 45 days)	HK$2,500	HK$1,400	HK$600
Miscellaneous Hospital Charges	HK$25,000	HK$18,000	HK$15,000
Surgeon's Fee - in accordance with the Blue Cross Surgical Schedules - including Chinese Medicine Practitioner Treatment* 1 visit each day, maximum 5 visits per disability Limit per visit:	HK$140,000 HK$180	HK$110,000 HK$150	HK$85,000 HK$120
Anaesthetist's Fee	Up to 30% of the eligible Surgeon's Fee
Operating Theatre Charges	Up to 30% of the eligible Surgeon's Fee
Daily Companion Bed for Child - maximum 45 days	HK$2,500	HK$1,400	HK$600
Daily Physician's Hospital Visits - maximum 45 days	HK$2,500	HK$1,400	HK$600
Specialist's Fee - Referral letter is required	HK$8,500	HK$6,500	HK$5,500
Daily Charges for Intensive Care - maximum 15 days	HK$8,500	HK$6,500	HK$5,500
Emergency Outpatient Treatment	HK$3,000	HK$3,000	HK$2,500
Daily Cash Benefit - for government hospital wards accommodation in Hong Kong only - maximum 45 days	HK$1,250	HK$700	HK$300

* Eligible claims for chinese medicine practitioner treatment shall be related to post-surgical care. Please state "Post-Surgical Care" on each original receipt.

Annual Check-up Programme For Free*

Blue Cross "Annual Health Check-up Programme", is designed to detect early diseases and identify risk factors of your health.

* Free check-up service is available at laboratory centres designated by Blue Cross and entitlement to which is subject to policy issuance and renewal.

Optional Benefits

Optional Major Medical Benefits

You may choose to increase your coverage to pay for excessive medical expenses not covered under your basic plan.

Optional Outpatient Benefits

Reimburse clinical expenses and pay physiotherapist or chiropractic treatments, diagnostic x-rays & laboratory tests and specialist's consultation benefits upon written referral by doctor.
Cover treatments by Chinese medicine practitioner (including bonesetting and acupuncture).
Use Blue Cross Healthcare Card in network clinics for outpatient and specialist's consultation if premium is paid annually. Co-payment may be required for designated plan.

Optional Personal Accident Benefits

Accidental death or disablement will be covered.

Eligible Age

The maximum age eligible for application is 65. The coverage is renewable up to 75 years old.

Major Exclusions

1	Purchase of drugs, treatment or tests which are not Medically Necessary; or are not prescribed; or not performed by a Registered Medical Practitioner.
2	Hospitalisation solely for the purpose of general checkup, diagnostic X-Ray, Advanced imaging, Laboratory tests or Physiotherapy.
3	Treatment for Congenital or Developmental Conditions or disease of any kind.
4	Pre-existing Conditions.
5	Expenses directly or indirectly arising from Human Immunodeficiency Virus (HIV) and its related Disability, including Acquired Immunization Deficiency Syndrome (AIDS) and / or any mutations, derivation or variations thereof, consequential upon an HIV infection occurring before the effective date of coverage applicable to such insured.
6	Treatment or disability directly or indirectly arising from or consequent upon: the abuse of drugs or alcohol, self-inflicted injuries or attempted suicide, illegal activity, or driving whilst exceeding the prescribed alcohol limit, or venereal and sexually transmitted disease or its sequelae.
7	Any charges in respect of services for beautification purposes, cosmetic surgery, hearing tests, routine blood tests, general check-ups, vaccinations or inoculations etc.
8	Dental treatment and oral surgery except for emergency treatment arising from an accident received during confinement. Follow up treatment from such hospital confinement relating to dental treatment or oral surgery shall not be covered.
9	All investigation, treatment and counseling services relating to maternity and its complications.
10	Treatment directly or indirectly arising from any psychotic, psychological, or psychiatric condition of any and all kinds, and any physiological or psychosomatic manifestations thereof.
11	Treatment or disability directly or indirectly arising from war (declared or undeclared), civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection or military or usurped power.

Note: Above is for reference only. Please refer to the actual policy for exact terms and conditions.

Blue Cross Health Check-up Profile

Free Annual Check-up Programme

Profile No.

Description

Basic Health Check-up Programme (Medical Advice on Laboratory Reports)

Anaemia & Blood Disease Screening

	(i)	Complete Blood Count
	(ii)	Platelet

Diabetic Screening

(i)

Glucose

Lipids Pattern Screening

	(i)	Cholesterol Total
	(ii)	Triglycerides

Extended Profile

Additional comprehensive check-up programmes are available at preferential rates. For details, please refer to "Blue Cross Comprehensive Family Plan" brochure.

The above product(s) is/are offered for sale in Hong Kong only and are underwritten by Blue Cross (Asia-Pacific) Insurance Limited, an authorised insurer in Hong Kong.