Hospital & Surgical Benefit

A supplementary benefit provides comprehensive coverage for hospital and surgical fees, with three benefit level options available for selection.

In the face of increasing medical fees, you need comprehensive medical cover to ensure you are well protected.

Illnesses and accidents are unpredictable and can happen to anyone. Therefore it is crucial to have an insurance plan that is able to minimize the possible financial impact resulting from hospitalization. Hospital and Surgical Benefit provides comprehensive hospital and surgical coverage, leaving you financially worry-free while undergoing treatment and recuperating.

Highlights

  • Suitable for individuals aged between 15 days and 65 years
  • Guaranteed renewable1 up to the age of 100
  • Three levels of benefit schedules are available to suit individual needs. You can add optional Top-Up Benefit2 to provide additional protection. Medical expenses incurred outside of Hong Kong will also be reimbursed 
  • Provides comprehensive in-patient benefits3, including basic hospital expenses, intensive care expenses, a series of surgical expenses (including day time surgery) and specialist's fees
  • Post hospital treatments3, including follow-up treatments provided by chiropractor and physiotherapist and home nursing expenses are covered
  • In the event of accidental injury, costs arising from emergency out-patient treatment3 and/or dental treatment3 will be paid
  • Offers Medical Accident and Incident Extension Benefit3 in the event of death due to negligent medical procedure in hospital
  • Offers a remarkable coverage for Mental or Nervous Disorders Treatment3, provided such illnesses have arisen from anorexia or schizophrenia and such treatment is undergoing in hospital
  • Compassionate Death Benefit3 will be given upon the death of the Insured 
  • 24-hour Worldwide Emergency Assistance Services4
  1. We reserve the right to adjust the premium rate, benefit schedule and the terms and conditions of this rider upon the time of renewal.
  2. Top-Up Benefit is not applicable to the Policy anniversary at which the Insured is of the age of 75 or above. For details of the eligibility for Top-Up Benefit, please refer to policy document or contact your New York Life insurance consultant for further information.
  3. Conditions and limitations apply. Please refer to respective policy provisions for details.
  4. The offer of this service is at the sole discretion of the Company.

The above information is intended to be a general summary for reference only and does not form part of the policy. You should refer to the Product Fact Sheet for further details. For exact terms, conditions and exclusions, please refer to the policy provisions. For further information, please contact your New York Life Hong Kong Insurance Consultant or call our Customer Service Center Hotline at (852) 2894 9833.