Assured peace of mind for a carefree life - Convoyprdlib.convoy.com.hk/prdportal/File/Product and...

CEO ESSENCE MEDICAL PLAN (CEOE)

Assured peace of mindfor a carefree life

PROTECTION

CEO Essence Medical Plan offers superb medical protection that will allow you to embrace a worry-free future at all times.

aia.com.hk

Superior Medical Protection – throughout Asia

CEO Essence Medical Plan always has your health and well-being at heart. It fully reimburses on major medical expenses1 for hospitalisation, surgery and rehabilitation with no benefit sub-limit for major benefit items (subject to the terms and conditions of the Policy). It comes with an Overall Lifetime Limit of up to HK$/MOP 25,000,000 and an Annual Limit of HK$/MOP 10,000,000 per coverage year to cover your medical expenses. You can choose to stay in semi-private wards2 in Hong Kong, Macau and China, and even private wards2 in some parts of Asia, including Australia and New Zealand. You are always assured of leading-edge medical protection, wherever you are in Asia.

A Flexible Plan to Suit Your Budget

CEO Essence Medical Plan of fers three dif ferent deductible amounts, so that customers can choose a plan to give them high-quality protection whatever their budget. You can opt for a plan with a higher deductible to keep your premium low, or sign up for a plan with zero deductible to maximise your eligible benefits. No matter what your needs are, a comprehensive medical insurance package, or simply to top up your current group or individual medical cover, our plan will suit you perfectly.

Furthermore, medical insurance provided by your employer ends when you retire. CEO Essence Medical Plan however allows you to keep your cover. You can switch to a plan without deductible3 upon the anniversary of your cover at the age of 50, 55, 60 or 65 without needing to provide us with current details of your health. You can then make a claim of medical expenses in full if you are hospitalised.

You are striving to achieve in your career and the best for your family, but unforeseen challenges to your health can arise at any time. What you need is a flexible and comprehensive health care plan that will enable you to move ahead at your own pace, so you can secure a bright future.

As your reliable partner, AIA has launched the CEO Essence Medical Plan to support you. Besides covering medical expenses for hospitalisation, surgery and outpatient consultations, the plan gives you access to comprehensive quality protection that will cover all your future needs.

Remarks:1. Subject to a maximum Annual Limit of HK$/MOP 10,000,000, an Overall Lifetime Limit of HK$/MOP 25,000,000, deductible amounts, the “Reasonable and

Customary” charges as stated in “Important Notes” and the terms, conditions and exclusions of the Policy. Benefit items are subject to respective cover / maximum limits set out in the Schedule of Benefits attached to the Policy.

2. Please refer to “Important Notes” for details about the Covered Room.3. The premium will be adjusted based on the selected deductible amount and the attained age of the Insured.

1 PROTECTION CEO ESSENCE MEDICAL PLAN

Lifetime Guaranteed Renewable Cover4 No Additional Premium after Medical Claims

By taking up lifelong medical insurance plan early, you can minimise the chances of having to pay additional premium later or being declined for application if you have health problems. Once the plan is effective, the premium for renewal of cover will not be raised because of any claim you have made under the plan. You can rest assured that you will be able to renew your medical cover for continued protection.

Up to 100% Deductible Discount to Ease Your Burden

The plan comes with a no-claim deductible discount and offers 10% discount5 on the amount of deductible for every two consecutive years of cover in which no reimbursement are made. The discount will apply from the following coverage year once you qualify for it and can be accumulated up to 100%. Once you are entitled to 100% discount, you can make a claim for the full amount of subsequent medical expenses as the deductible amount has been reduced to zero.

Illustration of No Claim Deductible Discount – Deductible of HK$25,000 is selected

Coverage year

Deductible is reduced again by

10% to HK$22,500 if you do not make

a claim in the previous 2 years

Deductible is reduced by 20% to HK$20,000 if you do not make a claim

for 4 consecutive years

A claim of HK$40,000 is reimbursed in the fifth

coverage year

Deductible is reset to

HK$25,000 on reimbursement

1 3 62 4 7 85

4. This cover may be renewed annually during the lifetime of the Insured provided the plan continues to be available. The renewal premium will be based on the attained age of the Insured and the applicable premium table upon renewal. Such premium table is not guaranteed and is subject to change. Premium may increase with the increase of age. We will regularly (not less than once per year) review the impact of medical inflation and claim performance on premium. As a result, premium may be adjusted in order to continuously provide customers with long term medical protection. The Company also reserves the right to revise the benefit structure and / or any other product features as determined by us, on any Policy Anniversary Date or upon renewal by giving a 30-day prior written notice. You may renew this cover by advance payment of the appropriate annual premiums on each Policy Anniversary. We reserve the right to determine the terms and conditions for renewal.

5. The discount applies to the original deductible amount of your plan, and will be reset to 0% in the next coverage year upon claim payment.

Deductible is reduced by 10% to HK$22,500 if

you do not make a claim for 2

consecutive years

PROTECTION 2 CEO ESSENCE MEDICAL PLAN

All-round Post-hospitalisation Care

Post-hospital isation care and treatment dur ing convalescence are crucial to your recovery. We offer the following benefits for the best care during that period:

• Post-hospitalisation/Outpatientsurgeryoutpatientconsultation

• Post-surgeryhomenursingbenefit• Post-hospitalisation/Outpatientsurgeryancillary

treatment and consultation with a physiotherapist, chiropractor, occupational therapist, speech therapist and Chinese medicine practitioner

• Rehabilitationbenefit

Extended Caring Protection for Your Specific Needs

In line with our efforts to provide you with protection that perfectly matches your circumstances, we provide support to you whenever you need it. This includes:

• Pre-hospitalisation/Outpatientsurgeryoutpatientconsultation

• Chemotherapy, radiotherapy, and oral targetedtherapy

• Dialysistreatment• HIV/AIDStreatment (applicableafterthePolicyhas

been effective for five consecutive years)• Mentalornervousdisordertreatment• Reconstructivesurgeryreimbursement,includingthe

costs incurred from breast reconstruction surgery and reconstructive materials after mastectomy because of disease


Please contact your financial planner or call AIA Customer Hotline for details

Hong Kong (852) 2232 8888 Macau (853) 8988 1822 visit aia.com.hk

AIA Hong Kong

Worry-free Credit Facility Service for Hospitalisation6

T h e p l a n o f f e r s a c r e d i t f a c i l i t y s e r v i c e f o r hospitalisation6. Once the arrangement is set up, we will settle directly with the private hospital for medical expenses incurred during hospitalisation. You can then focus fully on your treatment without having to worry about paying hospital bills and making a claim.

Time-saving and Convenient Outpatient Surgeries

Nowadays, advances in medical technology mean that some types of surgery can be performed at outpatient clinics or day surgery centres that are equipped with the proper medical equipment. In terms of safety, minor surgery performed at outpatient clinics or day surgery centres is comparable to those carried out in hospitals. Avoiding the wait for a hospital bed and

tedious arrangements for admission and discharge, you can speed up the treatment and recovery and get back on your feet with minimal interruption. This plan offers cover for outpatient surgery and related outpatient consultations for your comprehensive protection.

Rider version is available to suit your needs

You have the flexibility to take CEO Essence Medical Plan as either a stand-alone insurance policy or take the cover as a rider of specified basic plans.

6. The “Credit Facility Service for Hospitalisation” is not a contractual service but an administrative arrangement offered in our absolute discretion with respect of covered expenses incurred during the Insured’s Confinement in Hospital. It is subject to termination at any time without prior notice. Besides, if the hospital expenses incurred have exceeded the eligible claim amount, the shortfall will be borne by the Policy Owner. This service is only available after cover has been in force for 180 days.


CEO Essence Medical Plan offers the flexibility to reduce the deductible3 at retirement age of 50, 55, 60 or 65.

Case Smart Pro

Remarks:The above case and figures are hypothetical and for illustrative purpose only. For details, please refer to the relevant product brochure and policy document for product features, contents and terms & conditions.1. The above case assumes the Insured is a 30-year-old male who takes up a CEO Essence Medical Plan with a deductible amount of HK$25,000 and pays

the premium annually. The premium is non-guaranteed and is based on the attained age of the Insured and the applicable premium table at the time of application.

2. Annual Limit of HK$10,000,000.3. The premium will be adjusted based on the selected deductible amount and the attained age of the Insured.4. This cover may be renewed annually during the lifetime of the Insured provided the plan continues to be available. The renewal premium will be based on

the attained age of the Insured and the applicable premium table upon renewal. Such premium table is not guaranteed and is subject to change. Premium may increase with the increase of age. We will regularly (not less than once per year) review the impact of medical inflation and claim performance on premium. As a result, premium may be adjusted in order to continuously provide customers with long term medical protection. The Company also reserves the right to revise the benefit structure and / or any other product features as determined by us, on any Policy Anniversary Date or upon renewal by giving a 30-day prior written notice. You may renew this cover by advance payment of the appropriate annual premiums on each Policy Anniversary. We reserve the right to determine the terms and conditions for renewal.

Policyholder: Alan (aged 30)Occupation: Account DirectorMarital status: Married with a daughterCurrent cover: Group medical plan

Highly motivated and with a positive outlook, Alan is always working hard at his career so he can provide his family with a good quality of life. He is also very health-conscious because, as the breadwinner, he knows good health is important for protecting that quality of life. However, he realises that his employer’s group medical plan does not give him sufficient cover and decides to take a comprehensive and flexible medical plan.

CEO Essence Medical Plan offers Alan superior protection that includes an Overall Lifetime Limit of up to HK$25,000,0002, at an affordable premium. Not

only does this effectively supplement his employer's group medical plan, it also allows him the flexibility to reduce his deductible3 when he reaches retirement

age. He can then make a claim of his medical expenses in full.

1. First Year Annual Premium: HK$4,5601

2. Overall Lifetime Limit: HK$25,000,0002

1. Can make a claim of medical expenses in full2. Does not need to resubmit health information

30 years old (employed) 60 years old (retired)

Age of the Insured

Guaranteedlifetimerenewal 4Takes CEO Essence Medical Plan

(HK$25,000 deductible version) Reduce deductible to zero

Premiumwill not be

increased

following claims


Schedule of Benefitsi

Coverage / Maximum Limit Referral Description

Overall Lifetime Limit HK$/MOP25,000,000The maximum aggregate amount of benefits payable (excluding Compassionate Death Benefit and Worldwide Emergency Assistance Services) per the Insured’s lifetime

Annual Limit HK$/MOP10,000,000Themaximum aggregate amount of benefit payable under Parts I-V(excluding Worldwide Emergency Assistance Services) of Benefits in any one Policy Year / Coverage Period

Geographical Coverage AsiaHospitalisation, surgery and / or medical treatment taking place outside AsiaarenotcoveredunderPartsI-IVofBenefits,exceptforthepurposeof emergency treatment

Covered Room TypeSemi-Private Room Applicable to hospitals in Hong Kong, Macau and China

Standard Private Room Applicable to hospitals in Asia (excluding Hong Kong, Macau and China)

Deductible ChoicesHK$/MOP 0 or

HK$/MOP16,000 or HK$/MOP25,000

Any deductible borne by the Insured shall be deducted from any benefit amount payable under Parts I-V (excluding Worldwide EmergencyAssistance Services) of the Benefits in each Policy Year / Coverage Period

Benefits

I. Confinement Benefits

(a) Hospital Daily Room & Board Benefit Fully covered Actual room and board charges for a Covered Room

(b) Physician’sVisit Fully covered Actual charges made by the attending medical practitioner for visiting Insured during his / her stay in hospital

(c) Specialist’s Fee Fully covered üActual charges made by a specialist for the Insured’s treatment during his / her stay in hospital

(d) Miscellaneous Hospital Expenses Benefit Fully covered Actual charges made by the hospital for specified services customarily

rendered by hospital

(e) Intensive Care Benefit Fully covered üActual charges made by the hospital for the Insured’s stay in Intensive Care Unit (ICU) of hospital

(f) Private Nurse’s Fee

Fully covered up to 30 days per Policy Year /

Coverage Period

üActual charges incurred for private nursing service during hospitalisation following surgery or after discharge from ICU

(g) Hospital Companion Bed Benefit Fully covered Actual charges incurred for one extra bed for Insured’s companion

during his / her stay in hospital

(h) Hospital Cash Benefit

HK$/MOP1,600 per day up to 90 days per Policy Year / Coverage Period

Amount shown is payable for each day the Insured is hospitalised in a government hospital or in a hospital without charge

II. Surgical Benefits

(a) Surgery Benefit Fully covered

Actual charges of surgeon’s fee, anaesthetist’s fee and operating theatre fee. In case of organ transplantation of heart, kidney, liver, lung or bone marrow on the Insured as recipient, the actual surgical cost to remove the organ or bone marrow from the donor is also coveredii

(b) Outpatient Surgery Benefit Fully covered Actual charges of surgery performed on an outpatient basis, including

surgeon’s fee, anaesthetist’s fee and operating theatre fee(c) Medical Appliances

BenefitActual charges for prosthetic device implanted during surgery and / or replacement of body organ or body part

(1) Specified items Fully covered

Fully covered items include:• pacemaker;• stentsforPercutaneousTransluminalCoronaryAngioplasty;• intraocularlens;• artificialcardiacvalve;• metallicorartificialjointsforjointreplacement;• prostheticligamentsforreplacementorimplantationbetweenbones;and• prostheticintervertebraldisc

(2) Other items HK$/MOP96,000 per item per life Prosthetic device other than specified in part (1) above

(3) Reconstructive device / materials

HK$/MOP96,000 per item per life

External or prosthetic device or reconstructive materials implanted during the surgery which is payable under the Reconstructive Surgery Benefit



III. Post-Hospitalisation Benefits

(a) Post-Hospitalisation / Outpatient Surgery Outpatient Consultation

Fully coveredActual charges of the Insured’s outpatient follow-up consultation and diagnostic tests within 60 days after the discharge from hospital or the outpatient surgery

(b) Post Surgery Home Nursing Benefit

Fully covered up to 28 weeks per Policy Year /

Coverage Period

üActual charges for home nursing service after the Insured’s discharge from hospital following surgery or admission to ICU

(c) Rehabilitation Benefit

60 days up to HK$/MOP80,000 per Policy Year / Coverage Period

üActual charges incurred for the Insured’s stay in a Rehabilitation Centre and rehabilitation treatment

(d) Hospice Care Benefit HK$/MOP80,000 per life ü

Actual charges incurred for the Insured’s stay in, and care and nursing service provided by a hospice

(e) Post-Hospitalisation / Outpatient Surgery Ancillary Benefit

HK$/MOP30,000 (per Confinement /

out-patient procedure subject to

1 visit per day)

Actual charges of the Insured’s rehabilitation treatment for a Covered Illness / Covered Injury within 90 days after discharge from hospital or the out-patient procedure for the same Covered Illness / Covered Injury

(1) Chiropractor / Physiotherapist / Speech Therapist / Occupational Therapist

Up to HK$/MOP1,000

per visitü

Actual charges for consultation with and / or treatment made by Chiropractor, Physiotherapist, Speech Therapist or Occupational Therapist

(2) Chinese Medicine Practitioner

Up to HK$/MOP600 per visit (up to 15 visit per Confinement /

out-patient procedure)

Actual charges for consultation with, treatment made and / or medicines prescribed by Chinese Medicine Practitioner

IV. Extended Benefits

(a) Pre-Hospitalisation / Outpatient Surgery Outpatient Consultation

Fully covered

Actual charges incurred for outpatient consultation and diagnostic tests for a Covered Illness / Covered Injury which occurs within 30 days immediately prior to the Insured’s hospitalisation or outpatient surgery for the same Covered Illness / Covered Injury

(b) Chemotherapy, Radiotherapy and Oral Targeted Therapy Benefit

Fully covered üActual charges of chemotherapy or radiotherapy performed on inpatient or outpatient basis, and oral targeted therapy and oral chemotherapy to be consumed at home or during hospitalisation

(c) Dialysis Benefit Fully covered üActual charges incurred for dialysis (whether on an inpatient or outpatient basis)

(d) HIV/AIDSTreatmentBenefit

HK$/MOP800,000 per life

Actual charges incurred for HIV infection related treatment duringhospitalisation for Covered Illness / Covered Injuryiii

(e) Mental or Nervous Disorder Benefit

30 days up to HK$/MOP40,000 per Policy Year / Coverage Period

üActual charges for hospitalisation and treatment in a Mental or Psychiatric Hospital, or in the mental or psychiatric unit of a hospital

(f) Reconstructive Surgery Benefit

HK$/MOP160,000 (Per Covered Injury /

Covered Illness)

1. Actual surgical charges for reconstructive surgery to restore the function of a body part or the appearance as recommended by a doctor undergone within 12 months from the date of accident causing the Covered Injury

2. Actual surgical charges for reconstructive surgery to restore the breast undergone at the same time or within 12 months from the date of mastectomy due to illness



V. Emergency Treatment Benefits

(a) Emergency Outpatient Treatment Benefit Fully covered Actual charges for emergency outpatient treatment within 24 hours of

the accident causing a Covered Injury(b) Emergency Dental

Benefit Fully covered Actual charges for emergency dental treatment within 2 weeks of the accident causing injury to teeth

(c) Worldwide Emergency Assistance Services

HK$/MOP1,000,000 per trip

Emergency assistance services including:• EmergencyMedicalEvacuation• RepatriationofRemainsIf the Insured is hospitalised for more than 5 consecutive days:• Compassionatevisitbyoneimmediatefamilymember• ReturnofMinorChildren(under18yearsold)toHongKongorMacau

(if they are travelling alone with the Insured on the trip)VI. Compassionate Death

Benefit HK$/MOP80,000 Death benefit payable regardless of the cause of death

US$1 = HK$/MOP8

i. Each of the itemised expenses as shown in the official statement of accounts or receipts submitted to us for the reimbursement of the Benefits (excluding Hospital Cash Benefit, Compassionate Death Benefit and Worldwide Emergency Assistant Services) is subject to Reasonable and Customary Charges.

ii. The maximum coverage of the donor’s surgical costs is 30% of the aggregate of the surgical costs of removal of the organ or bone marrow from the donor and the surgical costs of procedures performed on the Insured as recipient.

iii. ThisbenefitisonlypayablewhenthesignsorsymptomsoftheHIVInfectionrelatedillnessfirstoccurafterthiscoverhasbeeneffectiveforfiveconsecutive Policy Year / Coverage Period.

The above information is for reference only. Please refer to the Policy contract of this cover for the definitions of the capitalised terms and the exact and complete terms and conditions of the benefits. The Company reserves the right to revise the Schedule of Benefits from time to time.


Major Exclusions

Hospitalisation, surgery, medical treatment and / or charges that relate to or result from any of the following, amongst others, will be excluded:

• Any congenital defect that has manifested or is diagnosed before the Insuredattains17yearsofage;

• AnyPre-existingCondition;

• Self-destructionorintentionalself-inflictedinjurywhilesaneorinsane;

• Warorwarlikeoperations,riotsandcivilcommotion;

• Anyviolationorattemptedviolationofthelaworresistancetoarrest;

• ActofTerrorism;

• The use of atomic, biological or chemical weapons as well as radioactive, biologicalorchemicalcontaminationduetoanyActofTerrorism;

• The Insured’s travelling to a country where there is a war (whether declared or not), warlike operation, hostilities, mutiny, riot, civil commotion, civil war, rebellion, revolution, insurrection, military or usurped power, martial law or stateofsiege,orawarzoneasrecognisedbytheUnitedNations;

• Pregnancy, miscarriage, child birth, voluntary termination of pregnancy, or relatedcomplications;mentalornervousdisorder(exceptfortheMentalorNervousDisorderBenefitunderPartIV(e)oftheBenefitsundertheScheduleofBenefits),drugabuse;cosmeticorplasticsurgery;dentalcareorsurgery,corrective aids and treatment of refractive errors unless necessitated by injury caused by an accident; body checkup; convalescence or rest care;any treatment, investigation, service or supplies which is not Medically Necessary.

• AIDSoranycomplicationsassociatedwithHIVInfectionexceptforHIV/ AIDS Treatment Benefit under Part IV(d) of the Benefits under theScheduleofBenefits;

• AnyofthefollowingtraditionalChinesemedicines:(i)cordyceps;(ii)ganoderma;(iii)antler;(iv)cubilose;(v)donkey-hidegelatin;(vi) hippocampus; (vii) ginseng; (viii) red ginseng; (ix) AmericanGinseng;(x)RadixGinsengSilvestris;(xi)antelopehornpowder;(xii)placentahominis;(xiii)Agaricusblazeimurill;(xiv)musk;and(xv) pearl powder, except for Post-Hospitalisation / Outpatient Surgery Ancillary Benefit under Part III(e)(2).

The foregoing list is for reference only. Please refer to the Policy contract of this cover for the complete list and details of exclusions.

Important Notes

• “AIA”, the “Company”, “we”, “us” or “our” herein refers to AIA International Limited (Incorporated in Bermuda with limited liability).

• This brochure is for general information purposes only. It is not a contract of insurance nor does it form any part of the Policy contract. Details are subject to the terms, conditions, provisions and exclusions of the Policy contract.

• Benefits are only payable with respect to illness that commences 30 days after the later of the Issue Date or the latest Commencement Date of this cover, whereas immediate coverage is provided for any injury caused by accident which occurs after the later of the Issue Date or the latest Commencement Date of this cover.

• Investigation, treatment or surgery for tonsils, adenoids, hernia and disease peculiar to the female generative organs are covered if this cover has continuously been in-force for 120 days before such investigation, treatment or surgery.

• “Reasonable and Customary” charges are the expense which (a) is charged for treatment, supplies (inclusive of medication) or medical services that are Medically Necessary and in accordance with standards of good medical practice for the care of an injured or ill person under the care, supervision or orderofaRegisteredMedicalPractitioner;(b)doesnotexceedtheusuallevelof charges for similar treatment, supplies (inclusive of medication) or medical services in the locality where the expense is incurred, which for the avoidance of doubt, shall not exceed the level of such charges applicable to a Covered Room for treatment, supplies (inclusive of medication) or medical services provided duringacoveredConfinement;and(c)doesnotincludechargesthatwouldnot have been made if no insurance existed. AIA may determine whether any particular Hospital / medical charge is a Reasonable and Customary charge with reference but not limited to any relevant publication or information made available, such as schedule of fees, by the government, relevant authorities and recognized medical association in the locality. AIA may also adjust any and all benefits payable in relation to any Hospital / medical charges which is not a Reasonable and Customary charge.

• “Reasonable and customary Hospital Confinement” means a Confinement in Hospital for Injury or illness is Medically Necessary, where the admission of the Insured, length of Confinement, and medical services and treatment received during Confinement (a) are all in accordance with standards of good medical practice and (b) do not exceed the usual standard for the treatment if similar Injury or illness at the location where such Confinement takes place. For the avoidance of doubt, a Confinement is not a Reasonable and Customary Hospital Confinement if it is in respect of a medical procedure or treatment which, having regard to standards of good medical practice is (i) routinely performed on other patients on an outpatient basis and (ii) could reasonable have been performed on the Insured as an Outpatient.

• Parts I-IVof theBenefits covershospitalisation, stay inhospice,medicalprocedures and / or treatment taking place in Asia, and emergency treatment for a Covered Illness or Covered Injury taking place anywhere in the world. PartVoftheBenefitscoversspecifiedemergencyout-patientmedicalordental treatment for a Covered Injury taking place anywhere in the world. PartsI-VofBenefitsshallbepermanentlyreducedto60%oftherelevantreimbursable charges with respect to (1) any covered hospitalisation, stay in hospice, surgery, medical procedures / treatment and / or emergency out-patient treatment which takes place in Australia or New Zealand if the Insured has taken up residence in that country and commencing from thedate of such takingup of residence; and (2) any coveredemergencytreatment which takes places in North America or Western Europe if the Insured has taken up residence in that location and commencing from the date of such taking up of residence. However, the Annual Limit and Overall Lifetime Limit as well as any selected deductible amount will remain unchanged. The Insured is regarded to have taken up residence in Australia, New Zealand, North America or Western Europe (as the case may be) if s/he has been present in that location for a period of 365 or more consecutive days, including the days of arrival and departure.

• “Asia” means Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan,Thailand,Timor-Leste,Turkmenistan,Uzbekistan,andVietnam.“North America” means the United States and Canada. “Western Europe” means Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Monaco, Netherlands, Norway, Portugal, Spain,Sweden,Switzerland,UnitedKingdomandVaticanCity.

• The benefits payable is cap at the charge level of Covered Room. If the Insured is confined in a room of a class higher than Covered Room, the benefits payable will be adjusted. Adjustment Factor is calculated by dividing the daily room charge of a Covered Room in the Hospital admitted by the Insured by the daily actual room charge of each such days of Confinement. “Covered Room” means 1) Semi-Private Room in the case of Confinement in Hospital inHongKong,MacauorChina;and2)StandardPrivateRoominthecaseofConfinement in Hospital anywhere else in the world (excluding Hong Kong, Macau and China). “Semi-Private Room” means a single or double occupancy room, with a shared bath / shower room, in a Hospital. “Standard Private Room” means a basic single occupancy room with adjoining bathroom in a Hospital. For the avoidance of doubt, Standard Private Room does not include any room with amenities upgraded beyond a basic single occupancy room with adjoining bathroom, in a Hospital. P

TA99

9254

.051

5


Assured peace of mind for a carefree life - Convoyprdlib.convoy.com.hk/prdportal/File/Product and...

Documents

Transcript of Assured peace of mind for a carefree life - Convoyprdlib.convoy.com.hk/prdportal/File/Product and...