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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 promises to provide the quality of medical care you and your family need and deserve, 24 hours a day, anywhere in the world.
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Basic Hospital & Surgical Benefits
You can attend the hospital of your choice and receive reimbursement for 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$) |
| Age1 of Insured |
55 or below |
56 or above |
| Plan Levels |
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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Daily Room and Board |
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Maximum
of 45 days |
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2,800 |
1,600 |
750 |
1,960 |
1,120 |
530 |
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Miscellaneous
Hospital Charges |
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Includes
the costs of X-rays, laboratory tests, surgical appliances, physiotherapy,
medicine and drugs, and dressings |
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28,000 |
20,000 |
16,000 |
19,600 |
14,000 |
11,200 |
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Surgeon's Fees |
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In accordance with the Surgical Schedules |
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Includes day case surgery2 in a hospital/clinical surgery at a doctor's clinic |
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Includes Chinese medicine practitioner treatment (1 visit per day, maximum of 5 visits per disability).
Limit each 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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Daily Limit for a Companion Bed for Child |
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Maximum of 45 days |
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2,800 |
1,600 |
750 |
N/A |
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Daily Limit for Physician's Hospital Visits |
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Maximum of 45 days |
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2,800 |
1,600 |
750 |
1,960 |
1,120 |
530 |
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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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Daily Charges for Intensive Care Treatment |
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Maximum of 15 days |
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10,000 |
7,500 |
6,000 |
7,000 |
5,250 |
4,200 |
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Daily Limit for Private Duty Registered Nurse |
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Upon written referral from a doctor |
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Maximum of 30 days |
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750 |
500 |
300 |
530 |
350 |
210 |
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Emergency Outpatient Treatment Costs |
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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 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 and Emergency Aid Benefits
No matter where you are in the world, you can count on Superior Medical Insurance to provide 24-Hour worldwide protection. What's more, we provide the following 24-Hour worldwide emergency services:
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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. We will pay 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 & Surgical Benefits, up to the following limits per disability: |
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Maximum Benefits per Disability (HK$) |
| Age1 of Insured |
55 or below |
56 or above |
| Plan Levels |
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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Daily Room and Board |
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In excess of 45 days with a daily limit of |
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2,800 |
1,600 |
750 |
1,960 |
1,120 |
530 |
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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 |
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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 Child |
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In excess of 45 days with a daily limit of |
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2,800 |
1,600 |
750 |
N/A |
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Daily Limit for Physician's Hospital Visits |
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In excess of 45 days with a daily limit of |
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2,800 |
1,600 |
750 |
1,960 |
1,120 |
530 |
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Reasonable and customary charges
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Daily Charges for Intensive Care |
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Reasonable and customary charges
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Maximum Limit per Disability |
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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 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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Outpatient Benefits |
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Outpatient Benefits cover 80% or 100% of the eligible outpatient medical expenses
for disabilities of an insured up to the following limits: |
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Maximum Benefits (HK$)
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| Benefit Items |
Plan 1
OP340 |
Plan 2
OP250
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Plan 3
OP190 |
| General Practitioner's Consultation (inclusive of medicine) |
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1 visit per day, 25 visits per person per year |
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Limit per visit: |
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| Chinese Medicine Practitioner Treatment, including bonesetting and acupuncture |
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1 visit per day, 10 visits per person per year |
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Limit per visit: |
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| Maximum 25 visits in total per year for the above 2 items |
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| Specialist's Consultation |
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Upon written referral from a doctor |
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1 visit per day, 10 visits per person per year |
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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 person 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 person per year |
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| Physiotherapy and Chiropractor Treatments |
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Upon written referral from a doctor |
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1 visit per day, maximum 10 visits per person per year. |
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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 schedule5: |
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| Insured Events |
Percentage of sum insured |
| 1.
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% |
| 11.
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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Important Notes: |
| 1 |
"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, 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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The 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 & Surgical Benefits. |
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The total amount payable with respect to any one injury or during any one policy year shall not exceed the Sum Insured per insured person. |
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Monthly premium rates are rounded up for illustration purpose. The above figures may be slightly different from that of the policy documents. |
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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 actual policy for exact terms and
conditions.
For further enquiries or application, please contact our Financial Consultant.
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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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