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  Health is your most precious asset. However, when you’re feeling fine and life keeps you busy, it’s easy to overlook health issues. The best way for you to ensure that your body remains healthy is to have regular check-ups and consult a doctor whenever you experience physical signs that concern you.

Blue Cross All-in-one Outpatient Insurance is specially designed for you to live life to the fullest. The plan helps lessen the burden of health care expenses and includes a wide range of general and specialist consultation services plus preventive and diagnostic tests to ensure your body stays in tip top shape for life. The plan also covers clinical procedures to be performed at the designated network clinics.
 
       
  Plan Highlights    
  Plan Coverage    
  Major Exclusions  
       
Plan Highlights
 
     
  Extensive Doctor Network  
  A network of over 400 doctors throughout Hong Kong Island, Kowloon, and the New Territories is available to serve you. You simply need to present your medical card and personal identification document to obtain covered medical care at the designated network clinics.  
     
  General Practitioner Outpatient Services  
  By paying co-payment according to the selected plan at the designated network clinics, you are eligible to enjoy an unlimited number of general consultation services.  
     
  Specialist Consultation  
  Upon a network doctor's referral, you are eligible to receive specialist consultation services upon appropriate co-payment. The maximum number of visits per year will be based on the plan selected.  
     
  Clinical Procedures  
  Providing comprehensive outpatient coverage, this plan covers over 20 specific clinical procedures that can be performed in the designated network clinic, upon network doctor’s recommendation.  
     
  Free Preventive Care Check-up  
  Each insured person of Plan B & Plan C is entitled to one free preventive check-up at a designated centre, once a year. The check-up includes a basic physical examination and any 3 of the following 8 items: Complete Blood Count, Total Cholesterol, Triglycerides, Fasting Glucose, AST, ALT, Uric Acid and Urinalysis.  
     
  Diagnostic X-ray and Laboratory Test  
  Upon a network doctor’s referral, Plan B & Plan C also cover diagnostic X-ray and laboratory test. No co-payment is required for Plan C.  
     
     
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Plan Coverage
 
     
 
Schedule of Benefits1 Plan A (HK$) Plan B (HK$) Plan C (HK$)

General Practitioner Consultation in doctor’s office including medication for 3 days
- Co-payment per visit
- No. of visits per year (1 visit per day)



30
Unlimited


30
Unlimited


30
Unlimited

Specialist Consultation including medication for 3 days (Subject to referral)
- Co-payment per visit
- No. of visits per year (1 visit per day)



80
5 visits


80
12 visits


80
Unlimited
Chinese Medicine Practitioner Consultation (General Practice Only) including 2 packs of medication
- Co-payment per visit
- No. of visits per year (1 visit per day)


N/A
N/A


30
5 visits


30
10 visits
Diagnostic X-ray and Laboratory Test 2
(Subject to referral)
- Co-payment per visit
- No. of visits per year (1 visit per day)


N/A
N/A


20%
2000


0%
5000
Physiotherapist Treatment
(Subject to referral)


N/A
N/A


N/A
N/A


60
10 visits

Clinical Procedures
- Co-payment per visit
- No. of visits per year (1 visit per day)


20%
4000

20%
4000

20%
4000

Preventive Check-up

N/A Once per year Once per year
 
       
  Notes:
1. Coverage per item is limited to one consultation per day. The network doctors reserve the right to charge extra fee for medication if, in the opinion of the network doctor, the prescription required is specific and expensive.
2. X-rays and laboratory tests include non-specialised X-ray investigations and laboratory tests performed as outpatient treatment upon the recommendation of a network doctor. `
   
       
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Major Exclusions
 
     
  This plan does not cover medical expenses arising from:  
 
1.
Congenital and pre-existing conditions.
2.
Long-term repeated medication that exceeds 3-day treatment. No medication will be provided for treatment of chronic diseases including but not limited to Chronic Bronchitis, Chronic Eczema, Diabetes Mellitus, Hypertension, Onychomycosis, etc.
3.
Any treatment for infectious diseases such as sexually transmitted diseases, and treatment of the human immunodeficiency virus, AIDS, or AIDS-related complications and tuberculosis.
4.
Intentional self-inflicted injury, alcoholism, or drug addiction.
5.
Cosmetic medical services and plastic surgery for the purpose of beautification, eye refractions or eye sight test, hearing aids and prosthetic limbs.
6.
Pregnancy, childbirth, miscarriage, abortion, prenatal or postnatal care, contraceptive methods or treatment pertaining to infertility.
7.
Female hormonal tests or assays and female hormonal replacement therapy (unless resulting from a disease).
8.
Dental care and treatment.
9.
Psychotic or mental disorders.
10.
Specialised X-rays and investigations including mammogram, X-ray with contrast medium, X-ray involving computerised scanning, MRI, ultrasound examination, echocardiogram, endoscopy, treadmill ECG, etc.
11.
Tonic and nutrient herbs including Bird's Nest, Ginseng, Lingzhi, etc.
12.
Any clinical procedures that were not listed in our benefit schedule and those to be performed in hospital.
13.
Any treatment not undertaken by the network doctors or designated centre.
14.
Any listed clinical procedures when conducted during the first 30 days of the initial period of insurance.
 
   
   
     
     
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  For more information and related documents, please download here.   Talk to us directly:
  Product Leaflet Application Forms     3608 2988 or email us
 
  Notes:  
 
1. The above information is for reference only. Please refer to 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 Customer Service Department on 3608 2988/ by email cs@bluecross.com.hk for enquiry.
2. Should there be any discrepancy between the English and the Chinese versions of the above information, the English version shall apply and prevail.
 
     
  The above product(s) is/are offered for sale in Hong Kong only and is/are underwritten by Blue Cross (Asia-Pacific) Insurance Limited, an authorised insurer in Hong Kong.