NO WORRY WITH CASH
Earning Cash lets you focus on getting well when you are recovering from an accident or illness. With Hospital Cash Insurance Plan (this "Plan") brought to you by ICBC (Asia) and AXA General Insurance, a member of the world's largest insurance group, you can enjoy an extra cash income protection and total peace of mind.
Annual Benefit up to a Maximum of HK$500,000
Designed to fit your budget and your choice of benefits, this plan allows you to enjoy an EXTRA cash income protection of as much as HK$500,000 a year in addition to other medical coverage you may already have! What's more, Hospital Cash covers even maternity hospitalization and accidental dental.
Basic Hospitalization Benefit - up to HK$1,000 per day
In case you are hospitalized due to an accident or a sickness, Hospital Cash will pay you a daily hospital cash benefit up to HK$1,000 with no pre-set maximum period. How to spend the money is totally up to you.
Double Cash Indemnity of up to HK$2,000 per day if you are:
Confined to Hospital Overseas (except Macau and China)
If you are confined to hospital while overseas, you will receive twice of your daily cash benefit up to HK$2,000 per day. Again, there is no pre-set maximum period.
In Intensive Care Unit
Should you require intensive care while hospitalized in Hong Kong or overseas, you will receive up to HK$2,000 daily hospital cash benefit until you are discharged.
Diagnosed of Critical Illness
A double daily income protection up to HK$2,000 will be available to relieve the financial burden of your health crisis if you were diagnosed and hospitalized as suffering from one of the following critical illnesses*:
| Stroke |
Multiple Sclerosis |
| Coronary Artery By-pass Value |
Aorta Surgery/Heart Surgery Replacement |
| Cancer |
Encephalitis |
| Kidney Failure |
Bacterial Meningitis |
| Major Organ Transplantation |
Stones in the Urinary and Biliary Systems |
If more than one of the above illnesses are incurred in the same event, only one double cash benefit will be applied.
Exclusive Coverage on "Maternity" Hospitalization
Hospital Cash provides exclusive coverage on hospitalization due to maternity. You will receive hospital cash benefit for hospitalization due to pregnancy if the pregnancy occurs ten months after enrolment of the policy.
Free Additional Benefits
Accidental Death & Dismemberment Benefit - up to HK$50,000
Upon enrolment of the policy, you are automatically covered for a maximum cash benefit of HK$50,000 in the event of death or dismemberment as a result of an accident.
Accidental Dental Treatment - up to HK$5,000
This plan is also designed to provide free coverage for dental treatment resulting from accidents, up to HK$5,000 for any one event.
24-Hour Worldwide Protection
You will be fully protected on a 24-hour basis in wherever you are, on business or at leisure.
Schedule of Benefits
(effective from 1 January 2003 until further notice)
| Schedule of Benefits |
Gold Plan
(HK$) |
Silver Plan
(HK$) |
Bronze Plan
(HK$) |
| Maximum Annual Limits |
500,000 |
375,000 |
250,000 |
Hospital Cash Benefit (per day)
no pre-set maximum period |
1,000 |
750 |
500 |
Double Hospital Cash Benefit (per day)
no pre-set maximum period
(a)Confinement Overseas
(b)Intensive Care Unit
(c)Critical Illness
|
2,000 |
1,500 |
1,000 |
| Accidental Death & Dismemberment Benefit |
50,000 |
37,500 |
25,000 |
| Accidental Dental Benefit (per event) |
5,000 |
3,750 |
2,500 |
| 24 Hours Worldwide Coverage |
|
|
|
Eligibility
This Plan is available for Hong Kong residents who are between 18 and 64 years old (age of last birthday). Simply complete the attached proposal form and return it to any of the ICBC (Asia) branches with cheque or cash payment. No medical examination is required.
Major Exclusions
| |
- Pre-existing illness, congenital disease, professional sports and AIDS
- Routine check ups, suicide, self-inflicted injuries
- Drug addiction, alcoholism, cosmetic and plastic surgery (other than those arising out of accident)
- War, civil war, terrorists acts and unlawful acts
|
|
Annual Premium Table (HK$)
All benefits and premiums are in Hong Kong Dollars
(Effective from 1January 2011 until further notice)
Age of Insured
(age of last birthday) |
Gold Plan |
Silver Plan |
Bronze Plan |
Female |
Male |
Female |
Male |
Female |
Male |
18-24 |
960 |
860 |
680 |
600 |
470 |
470 |
25-34 |
1,580 |
1,110 |
1,140 |
790 |
780 |
530 |
35-44 |
2,080 |
1,630 |
1,490 |
1,170 |
980 |
780 |
45-54 |
2,940 |
2,590 |
2,070 |
1,850 |
1,380 |
1,220 |
55-64 |
3,650 |
3,650 |
2,620 |
2,620 |
1,710 |
1,710 |
N.B.:
- Minimum premium per policy is $470.
- All benefits and premiums are in Hong Kong Dollars.
- Please refer to the policy for complete details. A specimen policy can be made available upon request.
Important notes:
| |
- The leaflet is a summary of the Plan only. Please refer to the policy document for the exact terms and conditions.
- AXA General Insurance Hong Kong Limited is the insurance underwriter of the Plan and is solely responsible for all coverage and compensation.
- ICBC (Asia) is not responsible for any liability under policies underwritten by AXA General Insurance Hong Kong Limited.
|
|
How to find out more
| The information contained in this web-site is designed to serve as introduction only. For all relevant clauses and details, you should refer to the insurance contract. |
|
Personal
Superiority