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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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To give you greater peace of mind, we at BEA are pleased to offer "Individual Medical Insurance Plans 2012 Exclusive Privileges" , please click here for details.
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Basic Hospital and Surgical Benefits
The plan covers 100% of reasonable and customary charges up to the following limits per disability:
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Maximum Limit Per Disability (HK$) |
| Plan Level |
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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Room and Board |
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Max. 45 days, limit per day |
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750
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450
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Miscellaneous Hospital Charges |
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Such as 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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Including 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 Hospital Visits |
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Max. 45 days, limit per day |
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750
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450
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Free Coverage for Newborn Children
If both parents are covered under a Hospital Medical Insurance plan, newborn children will be covered for Basic Hospital and Surgical Benefits from the age of 15 days until the next policy renewal date.
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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 claims and assistance services 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. The benefits cover 80% of the reasonable and customary charges in excess of Basic Hospital and Surgical Benefits up to the maximum limit per disability, and further subject to the following limits:
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Maximum Limit Per Disability (HK$) |
| Plan Level |
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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Room and Board |
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In excess of 45 days, limit per day |
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750 |
450 |
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Physician's Hospital Visit |
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In excess of 45 days, limit per day |
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750 |
450 |
Room and Board (Intensive Care)
- Limit per day |
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
- In accordance with the Surgical Schedule |
24,000
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18,000
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| Anaesthetist's Fees |
Up to 30% of the eligible Surgeon's Fees |
Overall Maximum Limit
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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 the entitled level, the following scale of reimbursement will apply:
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Entitled Level of
Accommodation |
Actual Level of
Accommodation |
Reimbursement of All Eligible Claims (Claimable Percentage from Optional Major Medical Benefits) |
| 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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Notes: |
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1 |
"Day Case Surgery" means any surgery performed in a hospital setting that does not require in-patient admission, for example endoscopic procedures, extracorporeal shock wave lithotripsy, excisional biopsies, cataract operations, and laser operations. "Clinical Surgery" refers to surgical procedures that can be undertaken at the attending doctor's clinic. |
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Optional Major Medical Benefits Plan 1 and Plan 2 can only be linked to the respective plan levels of the Basic Hospital and 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.
Should there be any discrepancy between the English and the Chinese versions of above information, the English version shall apply and prevail.
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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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