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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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Application & Underwriting Process |
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Q: |
Is it necessary for customer to provide medical report to prove the health status during application?
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A: |
If necessary, the Company may request customer to provide relevant medical reports or health evidence at the cost of customer.
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Q: |
Could an applicant aged over 60 apply for "Hospital Medical Insurance"?
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A: |
The eligible age should be between 15 days and 60. Furthermore, no coverage shall be provided to the insured person whose age is over 75 at the time of policy renewal.
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Q: |
How to determine the age of an insured person in this medical plan?
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A: |
The "Age Nearest Birthday" will be used in determining the eligibility and premium charged. For example, if an insured person whose birthday is 01/01/1980 and policy effective date is 01/04/2007, the nearest age will be 27; or if the policy effective date is 01/08/2007, the nearest age will be 28 instead.
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Q: |
If a client has purchased a hospital medical insurance plan from another company, will there be any other advantages provided by this plan?
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A: |
This plan can cover the medical expenses in excess of the benefits provided by the original plan
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Q: |
What is the meaning of "Pre-existing Conditions"?
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A: |
"Pre-existing Conditions" refers to the injury, sickness, disease or illness existed prior to the policy effective date and the insured was aware or should reasonably have been aware of the signs and symptoms.
"Pre-existing Conditions" also includes the designated sickness or illness occurring during the first 6 months or the first 12 months from the policy effective date as specified in the policy.
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Q: |
Is the insurance coverage only limited in Hong Kong?
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A: |
This insurance plan provides 24 hours worldwide protection, hence there is no limitation imposed on the location.
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Coverage Details |
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Q: |
Would there be any benefit if the hospitalisation were caused by accidental injury of teeth?
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A: |
Yes. Although this plan does not cover any medical expenses arising from dental care and treatment, emergency treatment arising as a result of accident is covered.
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Q: |
Does this plan cover the medical expenses of the pre-surgical assessment and post-surgical care?
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A: |
For all surgical hospital confinement, this plan will cover the expenses for one pre-hospitalisation clinic consultation and all necessary clinic consultations up to a maximum of 6 weeks after discharge from hospital. The consultations must be directly related to and as a result of the diagnosis necessitating such confinement.
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Q: |
What is "Free coverage for newborn babies"?
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A: |
The arrival of a newborn child is a joyous occasion to every family. To give the child a head start in life, if both parents are covered under the same policy, the Basic Hospital & Surgical Benefits will be extended freely to cover the child from the age of 15 days till the next policy renewal date subject to the terms and conditions of the policy.
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Q: |
What are the benefits entitled by the newborn child?
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A: |
The level of benefits for the child will be the same as his/her parents. However, if the parents are insured under different levels of benefits, then the level of benefits for the child will be the lower of the levels of benefit of the parents.
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Q: |
What is "Day Case Surgery"?
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A: |
"Day Case Surgery" means any surgery performed in hospital 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.
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Q: |
How long does it take to approve/process the application?
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A: |
Normally it will take 7 working days to issue a policy from the submission date of application form. If any additional medical or non-medical information is required, the time required for issuance of policy will depend on the completeness of the information received.
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Premium Payment |
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Q: |
What are the payment modes and payment methods available?
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A: |
Premium of "Hospital Medical Insurance Plan" can be settled by:
Monthly payment : Autopay through credit card or bank account.
Semi-Annual / Annual payment : Cash, cheque, or autopay through credit card or bank account.
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Q: |
Are there any Grace Period allowed by this plan?
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A: |
The Company allows a Grace Period of 30 days after every premium due date, provided that the first premium had already been settled. If a premium remains unsettled at the expiration of the Grace Period, the policy shall cease to be in force.
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Claim Procedures |
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Q: |
Are there any deadline in submitting a claim ?
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A: |
Within 90 days after clinical visit or 30 days from the date of discharge from hospital, any related claims of medical expenses incurred must be notified and submitted to the Company.
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Q: |
When will the benefit be paid after a claim has been submitted?
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Within 14 working days after all required documents, such as all medical certificates, information and evidence required by the Company have been submitted.
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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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