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American Express Medical Protector

Our most comprehensive medical insurance is the protection tailored for you, who are used to the best, all that and more. To cover you from head to toe to even your finances.

#Please note that this hotline is handled by Zurich Insurance Company Ltd, the underwriter of American Express Medical Protector.

Service Hours:
9:00 a.m. to 5:30 p.m., Monday to Friday;
9:00 a.m. to 1:00 p.m., Saturday (except Public Holidays)

Key Benefits
Up to HK$5,000,000 sum insured

With 2 plan levels of maximum benefits up to HK$2,000,000 for the Standard Plan and HK$5,000,000 for the Premier Plan annually, you'll receive in-patient medical benefits and coverage for:

  • Oncology
  • Dialysis
  • Organ transplant
  • Prosthetic devices
  • AIDS/HIV treatment
  • Post surgery out-patient benefit
  • Post specialist treatment due to critical illness

Rest assured, you'll also have:

  • 24-hour worldwide emergency assistance on hospital admission guarantee
  • Emergency medical evacuation
  • Overseas telephone medical advice
  • Referral service
No sub-limits for all in-patient benefits with 100% reimbursement

Whether it's minor surgery done by a registered doctor at a medical clinic or something more serious, all in-patient medical expenses will be compensated by types of operations. This means, you'll be covered for:

  • Room, board and general nursing charges(including accommodation in an intensive care unit)
  • In-hospital doctor's call fees
  • In-hospital specialist consultation fees
  • Hospital special services charges
  • Surgical charges
  • Anesthetist's fees
  • Operating theatre charges
  • Out-patient surgery
  • Intensive care charges
Direct settlement of pre-approved in-patient medical expenses

We'll settle all the eligible in-patient medical expenses incurred in Hong Kong hospitals under the pre-approved direct settlement feature of your Plan to ensure you receive quality treatment without hassle.

Wide range of voluntary deductible options

If you have a group medical protection from your existing employer, you can receive voluntary deductible coverage and enjoy more premium savings by sharing a portion of the in-patient medical claims.

Renewable protection up to 100 years old

Receive coverage up to aged 100* so you'll enjoy real peace of mind in your lifetime.

*Zurich Insurance Company Ltd reserves the right to revise the premium, add new conditions and apply exclusions to the policy at the time of annual renewal.

Special care for children

Coverage starts for your children once they're 15 days old. And receive accompany bed benefit for a parent to accompany any insured child under 16 years old in the hospital.

Choices of Asia and worldwide plans

Wherever you'll be, embrace the carefree lifestyle with coverage choices for all over the world.

No claim discount

If no claims were made in the period of insurance, your insurance premium will be discounted for following years upon renewal:

  • 2% in the first no claim year
  • 5% in the second no claim year
  • Accumulation up to 8% in the third no claim year
Extra family discount

5% premium discount will be offered for family enrolment with spouse and/or children.

Enrolment is simple and easy

No medical check-up is required. Call us and complete the enrolment form because you're only a few health questions away from our comprehensive medical coverage.