Plan Highlights

Flexible Combination of Coverage

• Your choice of Cover Area¹, Overall Annual Limit, Deductible² and Type of Accommodation³ as required
• 3 Optional Benefits: Outpatient Benefits, Maternity Benefits⁴, Dental Benefits
• Provide 2 plan levels namely Platinum and Gold, with overall annual limits of US$3,000,000 and US$2,300,000 respectively

Extensive Protection + Care for Cancer and Chronic Illnesses

• Your choice of attending doctors and private hospitals
• Full cover for most items under Hospital and Surgical Benefits
• Special Treatment Benefits for cancer and chronic illnesses
• Pre- and Post-Hospitalisation Benefits
• Accident Treatment Benefits
• Cover the expenses of Advanced Diagnostic Imaging performed in outpatient facility

Free Exclusive Benefits

• Annual health checkup

Supportive Services

• Free Second Medical Opinion, Mainland Healthcare Network⁵, Pre-assessment Service⁶, Cashless Service⁷, 24-Hour Worldwide Emergency Aid Service​

Guaranteed annual renewal with coverage until age 100⁸

• Guaranteed renewal regardless of health status or claim history after enrolment

Worldwide Coverage¹

• Allow immediate hospitalisation for treatment when travelling abroad for business or leisure

Easy Application

• No medical examination is required

No Claim Discount⁹

• You can enjoy premium discount on the aggregate premium payable for the Basic Benefits (excluding premiums paid for Optional Benefits) as soon as next year’s policy renewal, if no claim under the Basic Benefits has been made during the respective no claim periods, as specified below

  No Claim Period Immediately Preceding Renewal	1 year	2 consecutive years	3 consecutive years	4 consecutive years	5 consecutive years or above
  Discount Rate	5%	5%	10%	10%	15%

• Any claim made under Emergency Outpatient Treatment or Outpatient Surgery Cash Allowance¹⁰ (if applicable) will not affect the insured’s eligibility for the No Claim Discount

Family Discount¹¹

• If the number of eligible family members¹² insured under the same Tycoon Medical Insurance Plan policy on the policy effective date/renewal date (as applicable) reaches 2 or more, such policy can enjoy family discount specified below.

  Number of Eligible Family Members Insured	Family Discount
  2 members	5%
  3 members or more	10%

Key Features

Flexible Coverage for all Stages of Life

• With a wide range of protection options, Tycoon Medical Insurance Plan provides you with highly flexible, diversified and cost-effective protection. The Plan offers 2 plan levels, namely Platinum and Gold, and 2 cover areas¹: “Worldwide” and “Worldwide (excluding North America)”.
• To match your personal needs, the Plan offers various choices of deductible², allowing you to enhance medical protection within your budget while taking advantage of the medical benefits offered by your employer. In addition to the basic benefits, you can choose from a range of optional benefits based on your needs, namely Outpatient Benefits, Maternity Benefits⁴, and Dental Benefits
• If premium is paid annually for Optional Outpatient Benefits, you will be issued with an Executive Outpatient Service (E.O.S.) Card which entitles you to use it at Blue Cross network clinics for general practitioner’s consultations, Chinese medicine practitioner treatments or specialist’s consultations

Extensive Protection to Care for Cancer and Chronic Illnesses

• To provide you with the desirable medical coverage, the Platinum and Gold Plans offer overall annual limits of US$3,000,000 and US$2,300,000 respectively. Benefit items include full cover for most items under Hospital and Surgical Benefits, pre- and post-hospitalisation medical costs (including Chinese medicine practitioner treatments: general practice, bone-setting and acupuncture, chiropractic, physiotherapy, etc.), accident treatment costs (including reconstructive surgery), etc. What’s more, the Outpatient Surgery Cash Allowance¹⁰ can offer you even greater flexibility for different medical needs
• Critical and chronic illnesses often impose heavy financial burden on patients due to the high cost of advanced medical treatments, not to mention the stress caused by these illnesses. Therefore, Tycoon Medical Insurance Plan extends its coverage to the high cost of special treatments incurred for various chronic illnesses, including cancer treatments (chemotherapy, targeted therapy, radiotherapy, hormonal therapy, immunotherapy, gamma knife or cyberknife), kidney dialysis, organ transplants (including bone marrow transplants), AIDS treatments, etc.

Free Second Medical Opinion

• Patients suffering from critical illnesses often want to seek second opinion from independent medical experts before making their final decision on treatment options. A top-notch international medical team will offer the insured a second medical advice for free, enabling patients to better understand their situation and make informed choices on treatment

Mainland Healthcare Network⁵

• We have extended our healthcare network to designated mainland network hospitals, covering day-case and hospitalisation procedure, and cancer care. Simply call the dedicated hotline to make your appointments, and the designated mainland network hospitals will assist with follow-up arrangements like treatment preparation, priority check-in and more. These hospitals can also provide administrative support in your application for “Pre-assessment Service” and “Cashless Service”.​​

Pre-assessment Service

• Simply provide the required information online at least 7 working days before receiving the medical procedure or treatment. We will provide an estimate of the eligible claim reimbursement amount6 based on your policy coverage, allowing you to plan your budget in advance and undergo the medical procedure or treatment with peace of mind.​

Cashless Service⁷

• If necessary, you can apply for our “Cashless Service” before admission to our designated hospitals in Hong Kong, Macau and the Mainland. If the application is approved, we will settle your hospital bill directly with no prepayment upon admission and no claims upon discharge.​

Guaranteed Annual Renewal with Coverage until Age 100⁸

• The period of insurance of the policy is 1 year. Upon successful enrolment, we guarantee your policy will be renewable annually, with coverage until age 100. This gives you and your family the real peace of mind at different stages of life. Moreover, no additional premium will be imposed individually upon policy renewal, regardless of your health status or claim history.

Free Annual Health Checkup​

• Your health is our utmost concern. We have specially arranged a free checkup programme to help you detect early diseases and monitor your health conditions

24-Hour Worldwide Emergency Aid Service​

• Our “24-Hour Worldwide Emergency Aid Service” operates round-the-clock. Whenever and wherever you need medical and emergency assistance and/or services while abroad, our designated service provider will provide a hotline for services including but not limited to medical evacuation, repatriation after treatment, hospital admission deposit guarantee and legal assistance service, providing you with peace of mind.​

“Blue Cross HK” Mobile App

• Download the “Blue Cross HK” mobile app and log in to BlueCross+ to enjoy one-stop digital medical insurance services. You can easily search for network doctors nearby, and enjoy speedy registration at designated network clinics with electronic medical card. You can also submit claims, keep track of claim status and claim history, and check policy details round-the-clock.​

Tailor Your Worldwide Protection

• With 2 plan levels offering different overall annual limits, 3 choices of deductibles and 3 optional benefits of your choice, you can tailor-make a cost-effective yet flexible medical protection plan to cater for your own needs


Remarks: For details of notes 1 - 12, please refer to "Points to Note"