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Superior Medical Insurance
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Nothing is more precious than your health and that of your loved ones. However, given the rising costs of medical treatment, it's essential that your medical plan provides comprehensive coverage for any eventuality. Superior Medical Insurance can provide quality medical care you and your family need and deserve, 24 hours a day, anywhere in the world.
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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" and "No Hospital Bills To Pay" Service, 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$) |
| Age1 of Insured |
55 or below |
56 or above |
| Plan Level |
Plan 1 |
Plan 2 |
Plan 3 |
Plan 1 |
Plan 2 |
Plan 3 |
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Entitled Level of Accommodation
Benefit Items
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Private |
Semi-Private |
Ward |
Private |
Semi-Private |
Ward |
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Room and Board |
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Max 45 days, limit per day |
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2,900 |
1,700 |
830 |
2,030 |
1,190 |
580 |
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Miscellaneous
Hospital Charges |
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Such as the costs of X-rays, laboratory tests, surgical appliances, physiotherapy,
medicine and drugs, and dressings |
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29,000 |
21,000 |
16,500 |
20,300 |
14,700 |
11,550 |
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Surgeon's Fees |
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In accordance with the Surgical Schedule |
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Including day case surgery2 in a hospital/clinical surgery at a doctor's clinic |
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Includes Chinese medicine practitioner treatment follow up(Max 5 visits, 1 visit per day)
, limit per visit |
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Anaesthetist's Fees
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Up to 30% of the eligible Surgeon's Fees |
| Operating Theatre Charges |
Up to 30% of the eligible Surgeon's Fees |
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Companion Bed for Insured Child |
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Max. 45 days, limit per day |
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2,900 |
1,700 |
830 |
N/A |
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Physician's Hospital Visits |
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Max. 45 days, limit per day |
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2,900 |
1,700 |
830 |
2,030 |
1,190 |
580 |
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Specialist's Fees |
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Upon written referral from a doctor |
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10,000 |
7,500 |
6,000 |
7,000 |
5,250 |
4,200 |
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Charges for Intensive Care |
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Max. 15 days, limit per day |
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10,000 |
7,500 |
6,000 |
7,000 |
5,250 |
4,200 |
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Private Duty Registered Nurse |
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Upon written referral from a doctor |
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Max. 30 days, limit per day |
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750 |
500 |
300 |
530 |
350 |
210 |
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Emergency Outpatient Treatment |
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For treatment provided by the outpatient department of a hospital or in a doctor's clinic within 24 hours after the occurrence of a covered accident/injury |
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4,000 |
3,500 |
3,000 |
2,800 |
2,500 |
2,100 |
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Free Coverage for Newborn Children
If both parents are covered under a Superior Medical Insurance plan, newborn children will be covered under the 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 and Emergency Aid
No matter where you are in the world, you can count on Superior Medical Insurance to provide 24-Hour worldwide protection. What's more, in the event of emergency, Worldwide Emergency Aid offers you a wide range of emergency services including:
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| Services |
Maximum Limit (HK$) |
| Medical Evacuation |
Unlimited
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| Repatriation after Treatment |
Unlimited |
| Hospital Deposit Guarantee |
40,000 |
| Repatriation of Mortal Remains/Ashes |
Unlimited |
| Compassionate Visit |
40,000 |
| Return of Unattended Dependent Children |
40,000 |
| Referral Services |
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Healthcare Check-up Programme
Regular medical check-ups are the best way to ensure good health and to avoid the need for future medical treatment. You are entitled to the following free healthcare services each year, which will help you monitor the condition of your health:
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Health Check-up Profile B13
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| Anaemia/bleeding tendency/diabetes/lipids pattern screening |
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Optional Benefits
Superior Medical Insurance offers you a series of optional benefits including:
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| Major Medical Benefits |
| For added protection, you may choose to increase your insurance coverage by selecting the optional Major Medical Benefits4. The benefits cover 100% (for the insured aged 56 or below) or 80% (for the insured aged 56 or above) of the reasonable and customary charges in excess of Basic Hospital and Surgical Benefits up to the maximum limits per disability, and further subject to the following limits: |
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Maximum Limit Per Disability (HK$) |
| Age1 of Insured |
55 or below |
56 or above |
| Plan Level |
Plan 1 |
Plan 2 |
Plan 3 |
Plan 1 |
Plan 2 |
Plan 3 |
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Entitled Level of Accommodation
Benefit Items
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Private |
Semi-Private |
Ward |
Private |
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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2,900 |
1,700 |
830 |
2,030 |
1,190 |
580 |
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Miscellaneous Hospital Charges |
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Reasonable and customary charges
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Surgeon's Fees |
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Includes Chinese medicine practitioner treatment follow up |
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Up to 50% of the eligible Surgeon's Fees payable under the Basic Hospital & Surgical Benefits |
Anaesthetist's Fees
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Up to 30% of the eligible Surgeon's Fees
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| Operating Theatre Charges |
Up to 30% of the eligible Surgeon's Fees
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Companion Bed for Insured Child |
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In excess of 45 days, limit per day |
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2,900 |
1,700 |
830 |
N/A |
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Physician's Hospital Visits |
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In excess of 45 days, limit per day |
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2,900 |
1,700 |
830 |
2,030 |
1,190 |
580 |
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Reasonable and customary charges
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Charges for Intensive Care |
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Reasonable and customary charges
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600,000 |
450,000 |
250,000 |
420,000 |
315,000 |
175,000 |
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If you have used a level of hospital facilities and services higher than your 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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Outpatient Benefits |
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The benefits cover 80% or 100% of the eligible outpatient medical expenses
for disabilities of the insured up to the following limits: |
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| Benefit Items |
Maximum Limit (HK$)
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Plan 1
OP340 |
Plan 2
OP250
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Plan 3
OP190 |
| General Practitioner's Consultation |
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25 visits per year, 1 visit per day |
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Limit per visit: |
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Chinese Medicine Practitioner Treatment
(including bonesetting and acupuncture) |
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10 visits per year, 1 visit per day |
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Limit per visit: |
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| Max. 25 visits per year for the above treatments |
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| Specialist's Consultation |
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Upon written referral from a doctor |
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10 visits per year, 1 visit per day |
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Limit per visit: |
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| Prescribed Medicine and Drugs |
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Procured from a registered pharmacy outside hospitals or clinics, prescription is required |
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Limit per year: |
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| Diagnostic X-rays and Laboratory Tests |
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Upon written referral from a doctor |
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Limit per year: |
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| Physiotherapy and Chiropractor Services |
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Upon written referral from a doctor |
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10 visits per year, 1 visit per day |
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Limit per visit: |
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Personal Accident Benefits |
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In the event of accidental death or disablement, you are covered up to the specified percentage of the sum insured according to the following schedule of benefits5: |
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| Benefit Items |
Percentage of Sum Insured |
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Accidental death |
100% |
| 2. Permanent
total disablement |
100% |
| 3. Loss of
one or more limbs |
100% |
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Permanent and total loss of use of one or more limbs |
100% |
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Permanent and total loss of sight of one or both eyes |
100% |
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Permanent and total loss of speech and hearing |
100% |
| 7. Permanent and total loss of hearing in both ears |
75% |
| 8. Permanent and total loss of hearing in one ear |
15% |
| 9. Permanent and total loss of speech |
50% |
| 10. Permanent loss of the lens of one eye |
50% |
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Loss of thumb and four fingers of one hand |
50% |
| 12. Loss of
four fingers of one hand |
40% |
| 13. Loss of
one whole thumb |
25% |
| 14. Loss of
whole index finger |
10% |
| 15. Loss of
whole middle finger |
6% |
| 16. Loss of
whole fourth finger |
5% |
| 17. Loss of
whole little finger |
4% |
| 18. Loss of
all toes on one foot |
15% |
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"No Hospital Bills to Pay" Service6 |
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No pre-payment for admission, no claims upon discharge. |
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Notes: |
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"Age" refers to the nearest birthday. If your next birthday falls within the coming 6 months from the application date, the premium rate will be based on your next age attained. Otherwise, it will be based on your current age. The policy effective date will be used to determine the age attained if it is different from the application date. |
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"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 done at the attending doctor's clinic. |
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These benefit can only be redeemed at Blue Cross-designated clinics or centres upon the commencement of a new policy or the renewal of an existing policy. |
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Optional Major Medical Benefits Plans 1, 2, and 3 can only be linked to the respective plan levels of the Basic Hospital and Surgical Benefits. |
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The total amount payable with in respect of any one accident or injury or during any one period of insurance shall not exceed the sum insured. |
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Only applicable to admission to private hospitals in Hong Kong. Upon the return of a completed Hospitalisation Pre-registration Form, 4 working days are required for registration and authorisation process prior to admission. The liability of Blue Cross (Asia-Pacific) Insurance Limited under the policy is limited to indemnify the customers for the eligible medical expenses payable in accordance with the Superior Medical Insurance. Blue Cross (Asia-Pacific) Insurance Limited shall recover from the customers the medical expenses settled by them on the insured person’s behalf which fall outside coverage of the policy (if any). |
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Monthly premium rates are rounded up for illustration purposes. The above figures may be slightly different from that of the policy documents. Blue Cross (Asia-Pacific) Insurance Limited reserves the right to adjust the premium rate and the subsequent renewal premium. |
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For renewal only. |
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Free Personal Accident coverage is available to insured children aged 6 or below provided that at least one parent has opted for Optional Personal Accident Benefits insurance coverage. |
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Pregnant women are advised to consult their medical doctors prior to receiving check-ups. |
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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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