| 1. | Product Highlights |
| 2. | Plan Coverage |
| 3. | Major Exclusions |
| 4. | Blue Cross Healthcare Services-Taipan Health Check-up Profile |
• Emergency assistance anywhere in the world
• Immediate medical protection once the policy is effective with no waiting period*
• Easy application with no medical examination is required
• Worldwide coverage regardless of the duration of overseas stay and the benefit limit will not be reduced
* Except for other specified conditions
 |
Annual Health Check-up* |
Blue Cross "Annual Health Check-up Programme", including the free health screening profiles and professional advice on laboratory reports from our medical consultants, is designed to detect early diseases and identify risk factors of your health. | |
Annual Dental Check-up* | |
"Annual Dental Check-up", including oral examination, scaling and polishing, is designed to keep your teeth in good shape and detect early dental diseases. |
Personal Liability Benefit
This covers legal liability you may incur to third parties for bodily injury and property damage.
Personal Effects Benefit
This provides protection to personal effects against loss or damage as a result of burglary to your home in Hong Kong whilst you are travelling abroad.
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 more than 100 hospitals or medical units without paying any deposits.
Free Coverage for Newborn Child
If both parents are covered under the Taipan Medical Insurance Plan, your newly born child will be covered under the Basic Plan from the age of 15 days until the next policy renewal date.
Blue Cross reserves the right to vary the volume discount without prior notice.
Basic Plan
Hospital & Surgical Benefits
Pay 100% of reasonable and customary charges, in excess of a Deductible Amount (if chosen) of the applicable benefit for each Disability for each Insured, up to the maximum Limit per Disability per person, subject to the following limit:
Benefit |
Maximum Limit |
||
|
US$600 | ||
|
Full cover * | ||
|
US$40,000 | ||
|
Up to 30% of the eligible Surgeon's Fee | ||
|
US$600 | ||
|
Full cover* | ||
|
Full cover* | ||
|
Full cover* | ||
|
US$150 US$4,000 |
Choose the following deductible to enjoy lower premium of Hospital and Surgical Benefits:
| Deductible Amount Per Person Per Disability (US$) | 1,000 / 2,000 / 3,000 *Please refer to the brochure's premium table. |
Maternity Benefit
Extra Free Benefits
24-hour Blue Cross Worldwide Emergency Aid
Optional Benefits
Outpatient Benefits
Pay 100% or 80% of reasonable and customary charges of the benefit items.
Top-Up Benefits*
Increase benefit limit for additional coverage.
One Million Coverage Benefit*
The maximum limit per person of your policy may be increased to US$1,000,000 per disability or per year (including Basic Plan and Optional Outpatient Benefits).
Personal Accident Benefits*
Cover accidental death or disablement.
| 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.
Free Check-up Programme | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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For full details, please refer to "Blue Cross Taipan Medical Insurance Plan" brochure.