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Benefit Table

American Express Medical Protector

COVERAGE STANDARD PLAN PREMIER PLAN

Maximum benefits per insured person per policy year (HK$)

Annual Limit

2,000,000

5,000,000

Limit of Cover Per Room Type

100% reimbursement for semi-private room/ ward; 30% reimbursement for private room

100% reimbursement for semi-private room/ ward; 50% reimbursement for private room

1. IN-PATIENT BASIC BENEFITS Top
  • Room & Board

a. Room, Board and General Nursing Charges

100% of the actual expenses

b. Room, Board and General Nursing for Incentive Care Unit

c. Accompanying Bed Benefit
(Parent Accommodation)

  • Surgical Cover

a. In-hospital Doctor's Call Fees

100% of the actual expenses

b. In-hospital Specialist Consultation Fees

c. Hospital Special Services Charges

d. Surgical Charges (including Anaesthetist's
Fee and Operating Theatre Charges)

e. Out-patient Surgery

2. OTHER MEDICAL TREATMENT Top
  • Oncology

80% of the actual expenses
up to maximum 200,000

90% of the actual expenses
up to maximum 300,000

  • Dialysis
  • Organ Transplant

80% of the actual expenses

90% of the actual expenses

  • Prosthetic Devices

80% of the actual expenses
up to maximum 30,000 per item

80% of the actual expenses
up to maximum 50,000 per item

  • AIDS / HIV Treatment

80% of the actual expenses
up to maximum 80,000

90% of the actual expenses
up to maximum 120,000

  • Accidental Dental Treatment

80% of the actual expenses

90% of the actual expenses

  • Local Ambulance

100% of the actual expenses

3. POST-SURGERY COVER Top
  • Post-surgery Out-patient Benefit

100% of the actual expenses
up to maximum 2,000 per disability

100% of the actual expenses
up to maximum 2,500 per disability

  • Home Nursing Fees

100% of the actual expenses
up to maximum 30 days per disability

100% of the actual expenses
up to maximum 60 days per disability

  • Post-surgery Specialist Treatment due to
    Critical Illness

80% of the actual expenses
up to maximum 100,000 per disability

90% of the actual expenses
up to maximum 120,000 per disability

4. WORLDWIDE EMERGENCY ASSISTANCE Top
  • Guarantee of Hospital Admission Deposit

Maximum 39,000

  • Emergency Medical Evacuation

Actual cost

  • Compassionate Visit

One economy class return airfare

  • Return of Unattended Dependent

One economy class one-way airfare

  • Arrangement of Limousine Service

Limousine service will be arranged to return the insured person who is hospitalized in Hong Kong for a period in excess of seven consecutive days back home

  • Home Nursing Care Referral Assistance

Available

  • Medical Service Provider Referral
  • Telephone Medical Advice
5. VOLUNTARY DEDUCTIBLE (OPTIONAL) Top

Voluntary Deductible

Applicable to claims for in-patient and surgical expenses only
Insured persons can enjoy extra savings on premium by paying a fixed deductible amount for each and every claim

Deductible Amount (HK$)

20,000

Available

50,000

Not Available

Available

Eligibility

The Insured must be a Hong Kong citizen or resident in Hong Kong holding a valid Hong Kong Identity Card, with a permanent address and live in Hong Kong as a usual country of residence, and aged between eighteen (18) to sixty-five (65) years will be eligible to apply as the Insured.

 

Unless specifically mentioned to the contrary, the age of the insured person must be between fifteen (15) days and sixty-five (65) years old at the effective date of this policy and this policy is renewable up to the age of one hundred (100) years old, and the insured person must be a Hong Kong citizen or resident in Hong Kong holding a valid Hong Kong Identity Card, with a permanent address and live in Hong Kong as a usual country of residence will be eligible to application subject to individual underwriting and acceptance by us as the insured person.