Comprehensive Family Plan

All-in-one Outpatient Insurance

1.	Product Highlights
2.	Plan Coverage
3.	Other Features
4.	Major Exclusions

Product Highlights

Comprehensive Coverage

The best way for you to ensure that your body remains healthy is to have regular check-ups and consult a doctor whenever you experience physical signs that concern you.

Blue Cross All-in-one Outpatient Insurance is specially designed for you to live life to the fullest. The plan helps lessen the burden of personal health care expenses and includes a wide range of general and specialist consultation services plus preventive and diagnostic tests to ensure your body stays in tip top shape for life. The plan also covers common clinical procedures to be performed in appointed network doctor's clinic.

Plan Coverage

All-in-one Outpatient Insurance provides comprehensive coverage with 3 different levels of benefits (Plan A, B & C), which include:

General Practitioner Outpatient Services
By paying co-payment according to the selected plan, you are eligible to enjoy an unlimited number of general consultation services.

Specialist Consultation
Upon a network doctor's referral, you are eligible to receive specialist consultation services upon appropriate co-payment. The maximum number of visits per year will be based on the plan selected.

Clinical Procedures
Providing comprehensive outpatient coverage, this plan covers over 20 specific clinical procedures that can be performed in the appointed network clinic, upon network doctor’s recommendation.

Diagnostic X-ray and Laboratory Test
Upon a network doctor's referral, Plan B & Plan C also cover diagnostic X-ray and laboratory tests. No co-payment is required for Plan C.

Free Preventive Care Check-up
Each insured person of Plan B & Plan C is entitled to one free preventive check-up at an appointed centre, once a year.

Other Features

Extensive Doctor Network
A network of over 500 doctors throughout Hong Kong Island, Kowloon, and the New Territories is available to serve you. You simply need to present your medical card and personal identification document to obtain covered medical care at the network clinic.

Group Voluntary Plan
If you are an existing member of Blue Cross group insurance plan, you can extend your medical protection to your spouse and children by joining All-in-one Outpatient Insurance. Under a group voluntary plan arrangement, you will be entitled a preferential rate during application. For details, please contact your insurance consultant of the group policy or our customer service hotline at 3608-2988.

Premium Payment Options
Annual premium can be paid by cash / cheque or autopay through your specified bank or credit card account.

Easy Enrolment
Enrolment is quick and easy. Anyone aged 60 or below is eligible to apply. No medical examination is required.

Major Exclusions

This plan does not cover medical expenses arising from :

1	Congenital and pre-existing conditions.
2	Long-term repeated medication that exceeds 3-day treatment. No medication will be provided for treatment of chronic diseases including but not limited to Chronic Bronchitis, Chronic Eczema, Diabetes Mellitus, Hypertension, Onychomycosis, etc.
3	Any treatment for infectious diseases such as sexually transmitted diseases, and treatment of the human immunodeficiency virus, AIDS, or AIDS-related complications and tuberculosis.
4	Intentional self-inflicted injury, alcoholism, or drug addiction.
5	Cosmetic medical services and plastic surgery for the purpose of beautification, eye refractions or eye sight test, hearing aids and prosthetic limbs.
6	Pregnancy, childbirth, miscarriage, abortion, prenatal or postnatal care, contraceptive methods or treatment pertaining to infertility.
7	Female hormonal tests or assays and female hormonal replacement therapy (unless resulting from a disease).
8	Dental care and treatment.
9	Psychotic or mental disorders.
10	Specialised X-rays and investigations including mammogram, X-ray with contrast medium, X-ray involving computerised scanning, MRI, ultrasound examination, echocardiogram, endoscopy, treadmill ECG, etc.
11	Tonic and nutrient herbs including Bird's Nest, Ginseng, Lingzhi, etc.
12	Any clinical procedures that were not listed in our benefit schedule and those to be performed in hospital.
13	Any treatment not undertaken by the network doctors or appointed centers.
14	Any listed clinical procedures when conducted during the first 30 days of the initial period of insurance.

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.