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Hospital Medical Insurance
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You and your family deserve the best medical care available. However, it's
difficult to predict what lies ahead, and without comprehensive medical protection, you may find yourself
in a difficult predicament when confronted with sudden accident or illness. Hospital Medical Insurance
promises to help alleviate the financial burden associated with hospitalisation and treatment. With the plan,
you can take positive steps to ensure the health and happiness of your loved ones now and throughout life.
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Basic Hospital & Surgical Benefits
Whether sick or injured, you'll be reimbursed 100% of the eligible expenses that are reasonable and customary, up to the following limits per disability:
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Maximum Benefits per Disability (HK$) |
| Plan Levels |
Plan 1 |
Plan 2 |
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Entitled Level of Accommodation
Benefit Items
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Semi-private |
Ward |
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Daily Room & Board |
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Maximum of 45 days |
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700
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400
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Miscellaneous Hospital Charges |
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Includes the costs of X-rays, laboratory tests, surgical appliances,
physiotherapy, medicines, drugs, and dressing |
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12,000 |
7,000 |
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Surgeon's Fees |
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In accordance with the Surgical Schedule |
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Day case surgery1 in a hospital/clinical surgery at a doctor's clinic |
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24,000 |
18,000 |
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Anaesthetist's Fees |
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Up to 30% of the eligible Surgeon's Fees |
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7,200 |
5,400 |
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Operating Theatre Charges |
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Up to 30% of the eligible Surgeon's Fees |
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7,200 |
5,400 |
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Physician's Daily Hospital Visits |
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Maximum of 45 days |
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700
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400
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Free Coverage For Newborn Babies
The arrival of a newborn child is a joyous occasion for every family. To give your child a head start in life, the Basic Hospital & Surgical Benefits will be extended to cover your child from the age of 15 days till the next policy renewal date. The benefits are applicable, only if your entire family is covered under the same policy.
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24-Hour Worldwide Protection
Hospital Medical Insurance includes 24-hour worldwide protection. No matter where you are in the world, you can count on ample medical coverage. Under virtually every circumstance, we will provide you with the speediest assistance and claim service possible.
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Optional Major Medical Benefits
For added protection, you may choose to increase your insurance coverage by selecting the optional Major Medical Benefits2. We will pay 80% of the reasonable and customary charges in excess of Basic Hospital & Surgical Benefits, up to the following limits per disability:
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Maximum Benefits per Disability (HK$) |
| Plan Levels |
Plan 1 |
Plan 2 |
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Entitled Level of Accommodation
Benefit Items
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Semi-private |
Ward |
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Daily Room & Board |
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In excess of 45 days and up to a daily limit of |
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700 |
400 |
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Physician's Daily Hospital Visit |
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In excess of 45 days and up to a daily limit of |
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700 |
400 |
Daily Room and Board (Intensive Care)
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1,400
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800
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| Miscellaneous Hospital Charges |
Reasonable and
customary charges |
| Operating Theatre Charges |
Reasonable and
customary charges |
| Surgeon's Fees |
Up to 100% of the eligible amount payable under the Surgeon's Fees of the Basic Hospital & Surgical Benefits selected |
| Anaesthetist's Fees |
Up to 30% of the eligible Surgeon's Fees |
Maximum Limit per Disability
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180,000 |
90,000 |
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If you have used a level of hospital facilities and services higher than your entitled level, the following reimbursement scale shall apply:
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Entitled Level of
Accommodation |
Actual Level of
Accommodation |
Reimbursement of All Eligible Claims (Claimable Percentage from Optional Major Medical Benefit) |
| Ward |
Semi-private |
50% |
| Ward |
Private |
25% |
| Ward |
Deluxe |
12.5% |
| Semi-private |
Private |
50% |
| Semi-private |
Deluxe |
25% |
| Private |
Deluxe |
50% |
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Important Notes: |
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1 |
"Day Case Surgery" means any surgery performed in a hospital setting that does not require in-patient admission, including but not limited to endoscopic procedures, extracorporeal shock wave lithotripsy, excisional biopsies, cataract operations, and laser operations. "Clinical Surgery" refers to surgical procedures that can be done at the attending doctor's clinic. |
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Optional Major Medical Benefit Plans 1 and 2 can only be linked to the respective plan levels of the Basic Hospital & Surgical Benefits. |
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The above information is for reference only. Please refer to the policy for the
exact terms and conditions and the full list of policy exclusions. For more
information or a copy of the policy terms and conditions,
please contact our Marketing Officer.
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The Bank of East Asia, Limited is an insurance agent authorised by BEA Life Limited ("BEA Life") and Blue Cross (Asia-Pacific) Insurance Limited ("Blue Cross"), members of the BEA Group. BEA Life Insurance Series and General Insurance Series are underwritten by BEA Life and Blue Cross respectively.
This is a redirect webpage hosted by Blue Cross (Asia-Pacific) Insurance Limited.
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