I CARE Medical Insurance Plan
You need a wholelife medical insurance plan to counter the escalating medical costs resulting from longer life span and medical technology advancement, and that’s why I CARE Medical Insurance Plan (“the Plan”) provides comprehensive hospitalisation coverage to back you up.
Comprehensive medical coverage
If you are admitted to a hospital1 or received a surgery, the Plan will provide coverage on the related expenses incurred on a reimbursement basis to release your financial burden.
- Hospital and surgical benefit:
- Covers a wide range of hospitalization expenses, such as room and board, in-patient attendance fees, in-patient specialist’s fee, operating theatre fees and intensive care fees, etc..
- Pre- and post-hospitalization out-patient benefit: including 2 pre-hospitalization diagnosis-related outpatient visits, and medically necessary outpatient treatments conducted for the same illness or injury within 6 weeks after the discharge.
- Cancer treatment and dialysis benefit: including charges for cancer treatments of chemotherapy, radiotherapy, cyberknife and gamma knife, as well as for dialysis conducted during hospital confinement.
- Outpatient surgery protection:
If the surgery is conducted in a clinic or at a hospital’s outpatient clinic, the Plan will offer outpatient surgery benefit to reimburse your expenses for surgeon’s fees, anaesthetist fees, and operation theatre charges. If such surgery is conducted in the People’s Republic of China (PRC), this benefit will be payable only when the outpatient surgery is conducted in a hospital of tertiary A-level or above or designated hospitals in PRC.
- Hospital cash benefit for confinement in Hong Kong public hospital2:
If the insured is admitted to a public hospital or a medical institution managed by the Hong Kong Hospital Authority due to an illness or an injury, and such confinement lasts for 24 consecutive hours or above, the Plan will pay a daily cash benefit up to HKD1,000/USD128 per day.
- Cash benefit for treatment in Greater Bay Area3:
If the insured undergoes designated surgeries in a hospital in designated Greater Bay Area city(ies) under the recommendation of his/her attending medical practitioner, the Plan will pay a cash benefit up to HKD1,500/USD192 per operation.
Please refer to the “benefits schedule” of the relevant product brochure for the details.
Guaranteed renewal4 up to age 100
Regardless of the insured’s future physical condition, the Plan is guaranteed renewable up to age 100 of the insured, giving you the peace of mind.
Death benefit
In the event that the insured passes away while the policy is in force, HKD8,000/USD1,000 will be provided to the beneficiary as death benefit.
24-hour worldwide emergency assistance service
If the insured is diagnosed with an illness or is injured in an accident outside the country of residence, he / she can access comprehensive coverage under the free 24-hour worldwide emergency assistance service5.
Optional benefits:
You may enroll into the following items to enhance your coverage.
A. Supplementary medical benefit
If the actual medical expenses of benefit items under hospital and surgical benefit in “benefits schedule” exceed the maximum benefit limit, the “supplementary medical benefit” will pay up to 80% of the actual medical expenses not covered, less deductible.
B.Hospital cash benefit2,9
Regardless of hospitalization charges, a fixed amount of hospital cash will be payable starting from the 3rd day6 of the hospital confinement. This benefit is payable for up to 182 days per policy year.
Please refer to the “benefits schedule” of the product brochure of the Plan for the details.
I CARE Medical Insurance Plan
| Plan type | Combo medical plan |
| Issue age: | 15 days to age 69 |
| Benefit term: | To age 100 of the insured |
| Premium payment term: | To age 99 of the insured |
| Premium payment mode: | Annual, semi-annual, quarterly or monthly |
| Plan level: | Plan 1: private Plan 2: semi-private Plan 3: ward |
| Policy currency: | HKD or USD |
| Renewal | Guaranteed renewal4 |
Remarks:
- Hospital does not include any establishment or that portion of an establishment which is operated as a convalescent or nursing home, rest home, home for the aged, or an establishment for rehabilitation of alcoholics or drug addicts, or any similar purpose. For the list of designated hospitals located in China, please refer to a list titled “List of Designated Hospitals in China (For Individual Claims)” published on China Life (Overseas)’s website (www.chinalife.com.hk/customer-service/claims/hospitals-in-china) which the Company has the rights to amend or change the list from time to time.
- If the insured is admitted to a public hospital or a medical institutions under Hospital Authority of Hong Kong and enrolled into the hospital cash benefit (optional), both hospital cash benefit for confinement in Hong Kong public hospital and hospital cash benefit (optional) will apply.
- Designated Greater Bay Area city(ies) means Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen, Zhaoqing in PRC. Designated surgery(ies) means colonoscopy and gastroscopy, cataract surgery and wart treatment in designated Greater Bay Area city(ies). The surgeon and attendance fees benefit or the clinical surgeon fees benefit are also payable under the same designated surgery.
- China Life (Overseas) reserves the right to review the premium rates on each policy anniversary and revises the terms and conditions and/or the benefit items of the policy from time to time. If we decide to no longer offer the Plan, we will endeavor to enroll the insured in another available medical plan.
- 24-hour worldwide emergency assistance service is provided by a third party service provider and is not part of the policy. China Life (Overseas) will not make any representation, warranty or undertaking with regards to the service quality and shall not be responsible for any matter arising out of or in connection with the services provided by the service provider. China Life (Overseas) reserves the right at its sole discretion, including but not limited to (a) change the scope of services; (b) change the service provider; and/or (c) cease to provide such services, without any prior notice.
- One day of hospital confinement means 24 hours.
- A referral letter is only valid for the same or related condition for 6 months from the issue date. Another referral letter is required for treatment of a new or unrelated condition.
- Emergency out-patient for accidents means the insured suffers an injury caused by an accident, and receives emergency treatment in an outpatient department or emergency room of a hospital within 24 hours from the date of the accident. China Life (Overseas) will reimburse the eligible expenses for consultation, western medicine, diagnostic imaging and laboratory tests, as well as other related medical fees incurred for services.
- If the hospital confinement occurs in a place other than North America, New Zealand, Thailand, Europe, Australia, Singapore, Japan, Malaysia, PRC, Hong Kong or Macau, the maximum benefit limit payable for the hospital cash benefit will be reduced by 50%.
Important Information:
You have the right to purchase the medical insurance product as a standalone plan instead of bundling with other type(s) of insurance product.
