Underwritten by Blue Cross (Asia-Pacific) Insurance Limited
Employee Medical Care Plan
Medical protection is a key component of employee benefits. Comprehensive medical protection can help attract and retain high-calibre employees, maintain manpower stability, enhance productivity and create a positive, caring company culture.
Blue Cross fully understands the needs of small and medium enterprises and thus we have tailored Employee Medical Care Plan, a cost-effective and flexible medical plan that benefits both employers and employees. At a modest premium, employers can offer employees and their families an all-round medical coverage, allowing employees to work worry-free, thereby fostering further development of the company.
Plan Highlights
Easy Enrolment
• SMEs with as few as 3 employees can enrol
• Personal health record form is not required if the number of insured employees reaches 5 or above
• Broad enrolment age from 12 days to age 70, with renewal up to age 75
Comprehensive and Flexible Benefits
• All-round Basic Hospital and Surgical Benefits and 3 optional benefits below for extra protection:
- Optional Supplementary Medical Benefits
- Optional Outpatient Benefits
- Optional Dental Benefits
•
Flexible combinations of inpatient and outpatient benefits, with options of ward class and reimbursement percentage for different grades of employees, suiting employers’ budgets and needs
•
Worldwide coverage for members (including employees and their families)
Easy Access to Extensive High-quality Outpatient Medical Network
•
Healthcare Card offers extra convenience at over 3,300 designated service points from different medical disciplines in Hong Kong and Macau
•
Apart from General Practitioner’s and Specialist’s Consultations, credit facilities services are also extended to Chinese Medicine Practitioner Treatment and Physiotherapy under the Optional Outpatient Benefits
•
Each consultation at a designated network clinic is only subject to a co-payment of HK$30 under the 80% reimbursement option, while no co-payment is required under the 100% reimbursement option
•
Referral letter is not required for outpatient Specialist’s Consultation
Top-up Overseas Accidental Medical Expenses Benefits
•
In the event of accidental injury requiring hospitalisation overseas, the maximum benefit limit of the designated benefit items under the Basic Hospital and Surgical Benefits will be increased by 100%.
Pre-hospitalisation Claim Assessment
•
Simply make a call to our hotline and provide related information, or complete the Pre-hospitalisation Claim Assessment Form online at least 3 working days prior to hospitalisation or treatment. We will help you to estimate the eligible claim amount1 based on your policy coverage, allowing you to plan your budget in advance and undergo treatment with peace of mind.
24-hour Worldwide Emergency Aid
•
We are here for you 24/7. Simply call our hotline when you need assistance in an emergency situation while travelling overseas, and our dedicated officers will provide you with all-round assistance such as hospital admission deposit guarantee service, local medical or legal referral service, etc.
Emergency Medical Assistance in China
•
In case of emergency requiring hospitalisation in China, simply call our hotline and you will be able to access a network of over 200 hospitals or medical units without paying any deposits.
Blue Cross Nursing Care Hotline
•
We understand you need professional advice on daily care, and we are here to provide you with an exclusive nursing care hotline to answer your enquiries about post-surgery care, daily care for elderly, maternity care, infant and child care.
Blue Cross HK” Mobile App
•
As a Super Care member, you can enjoy one-stop digital medical insurance services including location-based network doctors search, online doctor appointment, video consultation, speedy registration and completion for outpatient consultation with QR code/e-medical card, and 3-step instant claim submission2, keeping track of claim status round-the-clock.
Enhanced Protection
Exclusive Top–up Option/Conversion Option to Enhance or Maintain Protection
Without underwriting3, a member of Employee Medical Care Plan can enrol in a selected individual medical insurance plan offered by Blue Cross (i.e. “Caring Medical Protection Plus” 4) as a “top-up” cover to the company’s medical protection. At a modest premium, the member can enhance the medical protection by “leveraging” the group cover.
Even if the member retires or moves to a new job, the member will be eligible to join Caring Medical Protection Plus, enjoying the same level of medical cover as before. Features of Caring Medical Protection Plus include:
• Guaranteed acceptance of all disabilities covered by the group medical plan
• Guaranteed renewal up to age 99
Basic Hospital and Surgical Benefits
The benefits cover 100% of eligible expenses5 up to the following maximum benefit limit per disability:
Benefit Items |
Maximum Benefit Limit per Disability (HK$) |
||||
Plan Level |
HS1 |
HS2 |
HS3 |
HS4 |
HS5 |
Entitled Level of Accommodation |
Private |
Semi-private |
Ward |
Ward |
Ward |
1. Room and Board Max. 182 days, limit per day |
2,500 |
1,650 |
900 |
660 |
500 |
2. Miscellaneous Hospital Charges (including CT scan, MRI and PET scan performed at an outpatient setting) |
30,000 |
20,000 |
13,000 |
10,500 |
5,500 |
3. Surgeon’s Fees
|
112,000 56,000 28,000 11,200 |
96,000 48,000 24,000 9,600 |
64,000 32,000 16,000 6,400 |
57,000 28,500 14,250 5,700 |
42,000 21,000 10,500 4,200 |
4. Anaesthetist’s Fees
|
33,600 16,800 8,400 3,360 |
28,800 14,400 7,200 2,880
|
19,200 9,600 4,800 1,920 |
17,100 8,550 4,275 1,710 |
12,600 6,300 3,150 1,260 |
5. Operating Theatre Charges
|
33,600 16,800 8,400 3,360
|
28,800 14,400 7,200 2,880 |
19,200 9,600 4,800 1,920 |
17,100 8,550 4,275 1,710 |
12,600 6,300 3,150 1,260 |
6. Physician’s Hospital Visits Max. 182 days, limit per day |
2,500 |
1,650 |
900 |
660 |
500 |
7. Specialist’s Fees Referral letter is required |
10,000 |
7,500 |
5,000 |
3,000 |
1,000 |
8. Charges for Intensive Care Max. 30 days, limit per day |
5,000 |
5,000 |
3,000 |
3,000 |
2,000 |
9. Registered Private Nurse’s Fee Max. 45 days, limit per day |
2,500 |
1,650 |
900 |
660 |
500 |
10. Top-up Overseas Accidental Medical Expenses Benefits (exclude China, Hong Kong and Macau) |
Increase by 100% of the above Basic Hospital and Surgical Benefits |
||||
11. Daily Hospital Cash Allowance# Max. 182 days, limit per day |
1,250 |
825 |
450 |
330 |
250 |
12. Outpatient Surgery Cash Allowance* Per day case surgical procedure |
2,500 |
1,650 |
900 |
660 |
500 |
13. Hospital Income for Double Benefit+ Max. 182 days, limit per day |
1,250 |
825 |
450 |
330 |
250 |
14. 24-hour Worldwide Emergency Aid |
Unlimited |
||||
15. Emergency Medical Assistance in China |
Extended Benefit |
# Only applicable to confinement in general ward of eligible public hospitals in Hong Kong.
• Only applicable to the following day case surgical procedures: oesophagogastroduodenoscopy, colonoscopy, cystoscopy, arthroscopy, colposcopy, bronchoscopy, repair of retinal detachment and hysteroscopy.
+Blue Cross will pay this benefit when the insured is covered by another insurance company which is the first payer of the medical benefits regardless of whether the insured is covered by an individual or group policy.
Optional Supplementary Medical Benefits
Must be enrolled together with the Basic Hospital and Surgical Benefits (with the same plan level and corresponding entitled level of accommodation)
The benefits cover 80% of eligible expenses5 payable in excess of the maximum benefit limit of the designated benefit items* under the Basic Hospital and Surgical Benefits (with the corresponding entitled level of accommodation), up to the following maximum benefit limit per disability. Blue Cross will reimburse 80% of the eligible expenses incurred and the insured will have to bear the remaining 20%.
Benefit Items |
Maximum Benefit Limit per Disability (HK$) |
||||
Plan Level |
MM1 |
MM2 |
MM3 |
MM4 |
MM5 |
Entitled Level of Accommodation |
Private |
Semi-private |
Ward |
Ward |
Ward |
Reimbursement Percentage |
80% |
||||
Overall Maximum Benefit Limit per Disability |
150,000 |
100,000 |
70,000 |
60,000 |
50,000 |
*The designated benefit items shall mean Room and Board, Miscellaneous Hospital Charges, Surgeon’s Fees, Anaesthetist’s Fees, Operating Theatre Charges, Physician’s Hospital Visits, Specialist’s Fees, Charges for Intensive Care, Registered Private Nurse’s Fees and Top-up Overseas Accidental Medical Expenses Benefits.
If the insured is confined in a room of a class higher than the insured’s entitled level of accommodation, the eligible expenses will be calculated based on below scale of reimbursement:
Entitled Level of Accommodation |
Actual Level of Accommodation |
Reimbursement Percentage of All Eligible Claims^ |
Ward |
Semi-private |
50% |
Ward |
Private |
25% |
Ward |
Deluxe |
12.5% |
Semi-private |
Private |
50% |
Semi-private |
Deluxe |
25% |
Private |
Deluxe |
50% |
^ Only applicable to the Optional Supplementary Medical Benefits.
Optional Outpatient Benefits
Must be enrolled together with the Basic Hospital and Surgical Benefits
The benefits offer 2 reimbursement options – 80% or 100% of eligible expenses5. The insured may visit any clinic of their own choice. Subject to the maximum benefit limit, when the 80% reimbursement percentage option applies, Blue Cross will reimburse 80% of the eligible expenses incurred, and the insured will have to bear the remaining 20%; while the full amount of the eligible expenses incurred will be paid by Blue Cross under the 100% reimbursement percentage option.
The insured will be issued with a Blue Cross Healthcare Card which entitles the insured to use it at any designated network clinic for General Practitioner’s Consultation, Chinese Medicine Practitioner Treatment, Specialist’s Consultation or Physiotherapy. Each consultation at a network clinic is subject to a co-payment of HK$30 under the 80% reimbursement option; while no co-payment is required for the 100% reimbursement option.
Benefit Items |
HK$ |
||||||||
Plan Level |
OP1C |
OP1N |
OP2C |
OP2N |
OP3C |
OP3N |
OP4C |
OP4N |
OP5C |
Reimbursement Percentage |
80% |
100% |
80% |
100% |
80% |
100% |
80% |
100% |
80% |
1 visit per day, limit per visit |
330 |
260 |
200 |
160 |
140 |
||||
Network Doctor Co-payment |
30 |
0 |
30 |
0 |
30 |
0 |
30 |
0 |
30 |
10 visits per policy year, 1 visit per day, limit per visit |
280 |
220 |
170 |
140 |
120 |
||||
Network Doctor Co-payment |
30 |
0 |
30 |
0 |
30 |
0 |
30 |
0 |
30 |
10 visits per policy year, 1 visit per day, limit per visit |
650 |
520 |
380 |
300 |
260 |
||||
Network Doctor Co-payment |
30 |
0 |
30 |
0 |
30 |
0 |
30 |
0 |
30 |
Referral letter is required Limit per policy year |
2,200 |
1,700 |
1,200 |
1,000 |
700 |
||||
10 visits per policy year, 1 visit per day, limit per visit |
330 |
260 |
200 |
160 |
140 |
||||
Network Doctor Co-payment for Physiotherapy |
30 |
0 |
30 |
0 |
30 |
0 |
30 |
0 |
30 |
Procured from outside pharmacy, and prescription letter is required Limit per policy year |
2,500 |
2,000 |
1,500 |
1,000 |
500 |
||||
1 visit per policy year, limit per visit |
330 |
260 |
200 |
160 |
140 |
▲ Max. 30 visits per policy year for General Practitioner’s Consultation, Chinese Medicine Practitioner Treatment and Vaccination or Routine Checkup.
Optional Dental Benefits
Must be enrolled together with the Optional Outpatient Benefits
The benefits offer 2 reimbursement options – 80% or 100% of eligible expenses5. Subject to the maximum benefit limit, when the 80% reimbursement percentage option applies, Blue Cross will reimburse 80% of the eligible expenses incurred, and the insured will have to bear the remaining 20%; while the full amount of the eligible expenses incurred will be paid by Blue Cross under the 100% reimbursement percentage option.
Benefit Items |
HK$ |
|||||
Plan Level |
D1C |
D1N |
D2C |
D2N |
D3C |
D3N |
Reimbursement Percentage |
80% |
100% |
80% |
100% |
80% |
100% |
|
2 visits per policy year |
1 visit per policy year |
||||
|
Cover eligible expenses incurred by: a. X-rays required prior to performance of dental service b. Medication for dental treatments as prescribed by a dentist c. Abscesses d. Fillings e. Extractions f. Pins for cusp restoration g. Dentures (as a result of an accident only) h. Crowns and bridges (as a result of an accident only), and i. Palliation of acute dental pain |
|||||
Overall Maximum Benefit Limit per Policy Year |
3,000 |
3,000 |
2,000 |
2,000 |
1,000 |
1,000 |
Premium Table (HK$)6,7
Annual Premium^^ |
|||||||||||||||||
Basic Hospital and Surgical Benefits |
|||||||||||||||||
Employee/ Dependant Age## |
HS1 Private |
HS2 Semi-private |
HS3 Ward |
HS4 Ward |
HS5 Ward |
||||||||||||
Employee/ Spouse |
Age 65 or below |
6,812 |
3,811 |
2,132 |
1,566 |
941 |
|||||||||||
Age 66 to 70 |
13,624 |
7,622 |
4,264 |
3,132 |
1,882 |
||||||||||||
Age 71 to 75^ |
20,436 |
11,433 |
6,396 |
4,698 |
2,823 |
||||||||||||
Child** |
12 days to age 25 |
5,449 |
3,049 |
1,706 |
1,252 |
754 |
|||||||||||
Optional Supplementary Medical Benefits |
|||||||||||||||||
Employee/Dependant Age## |
MM1 Private |
MM2 Semi-private |
MM3 Ward |
MM4 Ward |
MM5 Ward |
||||||||||||
Employee/ Spouse |
Age 65 or below |
2,248 |
1,312 |
721 |
533 |
398 |
|||||||||||
Age 66 to 70 |
4,496 |
2,624 |
1,442 |
1,066 |
796 |
||||||||||||
Age 71 to 75^ |
6,744 |
3,936 |
2,163 |
1,599 |
1,194 |
||||||||||||
Child** |
12 days to age 25 |
1,799 |
1,049 |
577 |
426 |
318 |
|||||||||||
Optional Outpatient Benefits |
|||||||||||||||||
Employee/ Dependant Age## |
OP1C |
OP1N |
OP2C |
OP2N |
OP3C |
OP3N |
OP4C |
OP4N |
OP5C |
||||||||
Reimbursement Percentage |
|||||||||||||||||
80% |
100% |
80% |
100% |
80% |
100% |
80% |
100% |
80% |
|||||||||
Employee/ Spouse |
Age 65 or below |
3,800 |
4,940 |
2,693 |
3,501 |
2,088 |
2,716 |
1,680 |
2,184 |
1,621 |
|||||||
Age 66 to 70 |
7,600 |
9,880 |
5,386 |
7,002 |
4,176 |
5,432 |
3,360 |
4,368 |
3,242 |
||||||||
Age 71 to 75^ |
11,400 |
14,820 |
8,079 |
10,503 |
6,264 |
8,148 |
5,040 |
6,552 |
4,863 |
||||||||
Child** |
12 days to age 25 |
5,700 |
7,408 |
4,041 |
5,253 |
3,133 |
4,073 |
2,520 |
3,275 |
2,432 |
|||||||
Optional Dental Benefits |
|||||||||||||||||
Employee/ Dependant Age## |
D1C |
D1N |
D2C |
D2N |
D3C |
D3N |
|||||||||||
Reimbursement Percentage |
|||||||||||||||||
80% |
100% |
80% |
100% |
80% |
100% |
||||||||||||
Employee/ Spouse |
Age 70 or below |
1,170 |
1,490 |
870 |
1,100 |
480 |
620 |
||||||||||
Age 71 to 75^ |
|||||||||||||||||
Child** |
12 days to age 25 |
^^ 100% of the full premium should be paid by the policyholder.
## Age refers to the nearest birthday. If the insured’s next birthday falls within the coming 6 months from the enrolment date, the premium rate will be charged according to the insured’s next age attained. Otherwise, it will be charged based on the insured’s current age. Policy effective date will be used to determine the age attained if it is different from the enrolment date.
** The applicant needs to verify the eligibility for enrolment in accordance with the definition of “Child” as stated in the Policy Terms and Conditions.
^ Applicable to renewal only.
Plan Summary
Product Name | Employee Medical Care Plan |
Purchase Objectives and Needs |
Prepare for future health care needs: • To settle medical expenses; and • To compensate for the loss of income during hospital confinement |
Product Type | Indemnity, but incorporated with non-indemnity cash benefits |
Period of Cover | 1 Year |
Enrolment Age | 12 days to age 70 |
Policy Renewal | Annual renewal up to age 75 |
Policy Currency | HKD |
Cover Area | Worldwide++ |
Payment Mode | Annual |
++ Except for Top-up Overseas Accidental Medical Expenses Benefits and Daily Hospital Cash Allowance under the Basic Hospital and Surgical Benefits.
Application Checklist
Application Form | ✓ |
Enrolment Form |
✓ |
Business Registration Certificate | ✓ |
Minimum Number of Employees | 3 |
Personal Health Record Form (if applicable) | Submission of the form is not required if the number of insured employees is 5 or above |
Application for Outpatient Credit Facilities Services |
Complete the Application Form and tick “Yes” on application for credit facilities services |
Remarks
- Assessment of the estimated eligible claim amounts is for customer’s reference only, the actual eligible claim amounts will be subject to the final claim decision. All benefits will be payable subject to the terms and conditions and the full list of policy exclusions.
- Any claims must be submitted within 90 days after discharge from hospital or the date on which relevant medical services are performed and completed. Customer can submit a completed claim form and required full documentation to Blue Cross via Blue Cross website or “Blue Cross HK” mobile app. Claim form can be downloaded from Blue Cross website.
- Only applicable when the members enrol in a corresponding plan level based on their existing Employee Medical Care Plan policy.
- For details of Caring Medical Protection Plus, please refer to the respective product brochure and policy.
- All expenses incurred must be Reasonable and Customary and Medically Necessary.
“Reasonable and Customary” shall mean a charge for medical treatments, services or supplies which does not exceed the general level of charges being charged by the relevant service providers or suppliers of similar standing in the locality where the charge is incurred for similar treatment, services or supplies to individuals of the same sex and age, for a similar disease or injury. The “Reasonable and Customary” charges shall not in any event exceed the actual charges incurred. In determining whether an expense is “Reasonable and Customary”, Blue Cross may make reference to the following (if applicable):
a) the gazette issued by the Hong Kong government which sets out the fees for the private patient services in public hospitals in Hong Kong;
b) industrial treatment or service fee survey;
c) internal claim statistics;
d) extent or level of benefit insured; and/or
e) other pertinent source of reference in the locality where the treatments, services or supplies are provided.
“Medically Necessary” shall mean the need to have treatment or service for the purpose of treating a disability or dental condition in accordance with the generally accepted standards of medical practice and such treatment or service must:
a) require the medical expertise of qualified medical practitioner;
b) be consistent with the diagnosis and necessary for the treatment of the condition;
c) be rendered in accordance with professional and prudent standards of medical practice, and not be rendered primarily for the convenience or the comfort of the insured, his family members, caretaker or attending practitioner; and
d) be rendered in the most cost-efficient manner and setting appropriate in the circumstances. - Blue Cross reserves the right to adjust the premium rate and the subsequent renewal premium upon policy renewal due to, for example, claim history, and revise the terms and conditions of the policy.
- The Insurance Authority will collect a levy on insurance premiums from policyholders through insurance companies in accordance with the law. For further information about the levy imposed by the Insurance Authority, please visit Blue Cross website at http://bluecross.com.hk/document/general/levy_collection.
Major Terms and Conditions
Change of Benefits
Any change of benefits or coverage under the policy as requested by the policyholder shall only take effect at renewal or subject to the approval by Blue Cross.
In respect of the Basic Hospital and Surgical Benefits and the Optional Supplementary Medical Benefits, if an insured is afflicted with a disability prior to the benefit upgrade, the insured shall only be entitled to the benefit level in force at the time when the disability commences. However, if the benefit upgrade has been in force for 365 days when the insured receives medical treatment for a disability that precedes the benefit upgrade, the insured shall be entitled to the benefit level after the benefit upgrade. Nevertheless, if the insured is confined in a hospital at the time when the benefit upgrade first takes effect, the benefit upgrade will not apply to the current confinement and will only take effect after the insured is discharged from the current confinement.
Cancellation
Period Covered from the Effective Date
of the First Period of Insurance
|
Premium to be Refunded |
||
Not exceeding |
2 months |
75% |
of the annual premium
|
4 months |
55% | ||
6 months |
35% |
||
8 months |
15% |
||
Over 8 months
|
Nil |
No premium will be refunded to the policyholder after the end of the 8th month of the first period of insurance.
Notwithstanding anything to the contrary, any indebtedness which may be owing under the policy shall be deducted from the premium to be refunded.
If cancellation shall take place after the policy has been renewed upon its expiry of the first period of insurance,no premium will be refunded to the policyholder.
Blue Cross may cease to provide cover to any insured if any requirement under the policy has not been complied with and in such event, Blue Cross may refund the premium to the policyholder on a pro-rata basis for the unexpired policy period of that insured. For the avoidance of doubt, the policy shall remain effective for the remainder of the policy period in respect of other insured(s).
Exclusions
Unless specifically included in the Schedule of Benefits or any endorsement to the policy, Blue Cross shall not pay any claims, costs or expenses in relation to or arising out of the following:
1.
Where any loss, costs or expenses is recoverable under any law, medical program, or other insurance policy provided by any government, company, other insurers or any other third party.
2.
Treatment or test which is not Medically Necessary;or purchase of drugs which are not prescribed by a Registered Medical Practitioner.
3.
Confinement solely for the purpose of general checkup, rehabilitation, rest cures, sanitaria care or allied health service, including but not limited to physiotherapy, occupational therapy and speech therapy.
4.
Treatment related to Congenital Conditions (except Hernias, Strabismus and Phimosis) or Developmental Conditions or disease of similar kind.
5.
Pre-existing Conditions, which shall mean any disability which presented signs or symptoms of which the insured was aware or should reasonably have been aware or for which the insured received medical or surgical care or treatment within 90 days immediately preceding the Insured Effective Date, unless the insured has been covered under the policy for not less than 365 days.
6.
Expenses directly or indirectly arising from Human Immunodeficiency Virus (“HIV”) and its related disability,including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutations, derivation or variations thereof, consequential upon an HIV infection occurring before the Insured Effective Date. For the purposes of this exclusion, any HIV related disability emerging within 5 years after the Insured Effective Date will be conclusively presumed to proceed from an HIV infection occurring prior to the Insured Effective Date.
7.
Treatment or disability directly or indirectly arising from or consequent upon:
the abuse of drugs or alcohol, self-inflicted injuries or attempted suicide, illegal activity, or driving or maneuvering machines whilst exceeding the prescribed alcohol and drug limit, or venereal and sexually transmitted disease or its sequelae.
8.
Any charges in respect of services for beautification or cosmetic purposes; except as otherwise provided by Vaccination or Routine Checkup under the Optional Outpatient Benefits, expenses in relation to but not limited to hearing tests, routine blood tests, general check-ups, vaccinations or inoculations, prophylaxis treatment, Hair Mineral Analysis (HMA), bird's nest, lingzhi, ginseng and other specialised Chinese tonic medicine, health supplements (unless approved by Blue Cross); over-the-counter drugs; charges for correcting visual acuity or refractive errors including but not limited to eye refractive therapy, visual tests, fitting of spectacles or lens and any related operational procedures and services.
9.
Except as otherwise provided by the Optional Dental Benefits, dental treatment and oral surgery (except emergency treatment and surgery arising from an accident received by the insured during confinement); follow up dental treatment or oral surgery after inpatient stay or at outpatient dental facility.
10.
Investigation, treatment, surgical procedure and counselling service relating to maternity conditions and its complications, including diagnostic tests for pregnancy or resulting childbirth, abortion or miscarriage; birth control or reversal of birth control; sterilisation or sex reassignment of either sex; infertility including in-vitro fertilisation or any other artificial method of inducing pregnancy; and sexual dysfunction including but not limited to impotence, erectile dysfunction, pre-mature ejaculation regardless of cause.
11.
Purchase of artificial limbs, body organs and prosthetic devices including those prosthetic devices that are surgically implanted. Purchase or rental of durable medical equipment or appliances including but not limited to wheelchairs, beds and furniture, airway pressure machines and masks, portable oxygen and oxygen therapy devices, dialysis machines, exercise equipment, spectacles, hearing aids, special braces, walking aids, air purifiers or conditioners and heat appliances for home use.
12.
Treatment directly or indirectly arising from any psychotic, psychological, or psychiatric conditions and any physiological or psychosomatic manifestations thereof.
13.
Alternative treatment including but not limited to acupressure, cupping, tianjiu, tui na, hypnotism, qigong, massage therapy, aroma therapy and such alike.
14.
Experimental, unproven and/or new medical technology or procedure not yet approved by Blue Cross with reference to the common standard in the locality where the treatment is received.
15.
Non-medical services, including but not limited to guest meals, radio or TV rentals, telephone charges, photocopy charges, medical report charges, taxes and the like.
16.
Treatment or disability directly or indirectly arising from war (declared or undeclared), civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, riot, insurrection or military or usurped power; resulting from taking part in military, air force, naval and other disciplinary services.
For more details, please visit any BEA Business Centre
or contact the Blue Cross Customer Service Hotline 2839 6377
This webpage is for reference only. Please refer to the policy for the exact terms and conditions and the full list of policy exclusions. Should there be any discrepancy between the English and the Chinese versions of this material, the English version shall apply and prevail. All insurance product information available on this website is not and shall not be construed as an offer to sell or a provision of insurance products to any person in any jurisdiction outside Hong Kong or a solicitation to such person to buy insurance products.
The insurance plan is underwritten by Blue Cross (Asia-Pacific) Insurance Limited (“Blue Cross”), a subsidiary of AIA Group Limited. The Bank of East Asia, Limited (“BEA”) is an appointed insurance agency of Blue Cross. The insurance plan is a product of Blue Cross but not BEA. All benefits payable under the insurance plan are subject to the credit risk of Blue Cross.
In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between BEA and the customer out of the selling process or processing of the related transaction, BEA is required to enter into a Financial Dispute Resolution Scheme process with the customer.
BEA’s sales staff (including direct sales staff and authorised agents) are remunerated not only based on their financial performance, but also according to a range of other factors, including their adherence to best practices and their dedication to serving customers’ interests.
Blue Cross (Asia-Pacific) Insurance Limited is a subsidiary of AIA Group Limited. It is not affiliated with or related in any way to Blue Cross and Blue Shield Association or any of its affiliates or licensees.