Key Benefits
Guaranteed renewal up to age 100 and subject to pool rating¹
Top up of Hospital Services Benefit up to HK$5,000,000 per year
Post-accident Reconstructive Surgery up to HK$5,000,000 per lifetime
Inpatient and outpatient Oncology Treatment
Advanced diagnostic scanning and surgical appliances coverage
We've got your needs covered
Compare our plans in details, you'll definitely find something that suits you
Plan Level
mediTop
mediTop
mediTop
Super mediTop
Room Level Options2
mediTop
Ward
mediTop
Semi-Private
mediTop
Private
Super mediTop
Semi-Private/Private
Overall Annual Limit
mediTop
HK$1,500,000
mediTop
HK$1,500,000
mediTop
HK$1,500,000
Super mediTop
HK$5,000,000
Annual Deductible Options
mediTop
HK$50,000/ HK$80,000/
HK$130,000
mediTop
HK$50,000/ HK$80,000/
HK$130,000
mediTop
HK$50,000/ HK$80,000/
HK$130,000
Super mediTop
HK$50,000/ HK$80,000/
HK$130,000
Hospital Expenses
mediTop
Fully covered
mediTop
Fully covered
mediTop
Fully covered
Super mediTop
Fully covered
Anaesthetist's Fee
mediTop
Fully covered
mediTop
Fully covered
mediTop
Fully covered
Super mediTop
Fully covered
Operating Theatre
mediTop
Fully covered
mediTop
Fully covered
mediTop
Fully covered
Super mediTop
Fully covered
Surgical Fee
mediTop
Fully covered
mediTop
Fully covered
mediTop
Fully covered
Super mediTop
Fully covered
In-Hospital Doctor Consultation
mediTop
Fully covered
mediTop
Fully covered
mediTop
Fully covered
Super mediTop
Fully covered
Room & Board Charges
mediTop
Fully covered
mediTop
Fully covered
mediTop
Fully covered
Super mediTop
Fully covered
Intensive Care Unit (ICU)
mediTop
Fully covered
mediTop
Fully covered
mediTop
Fully covered
Super mediTop
Fully covered
Companion Bed
Accompanied dependent child below age 20
Limit to one family member/ parent/ guardian each night
mediTop
Fully covered
mediTop
Fully covered
mediTop
Fully covered
Super mediTop
Fully covered
Oncology Treatment
Inpatient/ Day-patient Treatment
Maximum limit of item (1) - (2) per year
1) Chemotherapy
2) Radiotherapy
mediTop
Fully covered
mediTop
Fully covered
mediTop
Fully covered
Super mediTop
Fully covered
Maximum limit of item (3) - (8) per lifetime
3) Target therapy4
4) Gamma knife4
5) Cyberknife4
6) Immunotherapy4
7) Hormonal therapy4
8) Proton therapy4
mediTop
HK$1,500,000
mediTop
HK$1,500,000
mediTop
HK$1,500,000
Super mediTop
HK$5,000,000
Day Surgery for Gastroscopy/ Colonoscopy
Maximum limit per year
mediTop
HK$12,500
mediTop
HK$17,500
mediTop
HK$22,500
Super mediTop
HK$25,000
Local Ambulance Services
mediTop
Fully covered
mediTop
Fully covered
mediTop
Fully covered
Super mediTop
Fully covered
Organ Transplantation
Excluding donor costs if chargeable to the Insured Member
mediTop
Fully covered
mediTop
Fully covered
mediTop
Fully covered
Super mediTop
Fully covered
Pre & Post Hospitalization Treatment
Maximum limit per year
Include 1 consultation or treatment 30 days prior to hospitalisation and 1 follow-up medical treatment within 90 days after hospital discharge
mediTop
HK$10,000
mediTop
HK$10,000
mediTop
HK$10,000
Super mediTop
HK$10,000
Advanced Diagnostic Scanning
mediTop
Fully covered
mediTop
Fully covered
mediTop
Fully covered
Super mediTop
Fully covered
Surgical Appliances
mediTop
Fully covered
mediTop
Fully covered
mediTop
Fully covered
Super mediTop
Fully covered
Post-Accident Reconstructive Surgery3
Maximum limit per lifetime
mediTop
HK$1,500,000
mediTop
HK$1,500,000
mediTop
HK$1,500,000
Super mediTop
HK$5,000,000
Private Inpatient Nursing3
Maximum limit per year
mediTop
HK$10,000
mediTop
HK$10,000
mediTop
HK$10,000
Super mediTop
HK$10,000
Medical Emergency Evacuation/ Repatriation5
Maximum limit per year
mediTop
HK$1,000,000
mediTop
HK$1,000,000
mediTop
HK$1,000,000
Super mediTop
HK$1,000,000
Coordination of Benefit - This plan will be paid after any other in-force insurance policy(ies) or indemnity source(s).
1 The benefit item and limit, terms and conditions and the premium rates may be revised at pool level upon policy renewal. Premium charged at renewal will also be based on your age. We guarantee to and will automatically renew your policy as long as you meet the requirements as stated in the renewal clauses on the Policy. For details, please refer to your Insurance Consultant and Policy
2 If the Insured Member confined the room level which is higher than the chosen level, an adjustment factor will be applied
- one level higher than your chosen level, reimbursement percentage of all eligible expenses under Hospital Services will be reduced by 50%
- two levels higher than your chosen level, reimbursement percentage of all eligible expenses under Hospital Services will be reduced by 75%
3 A written referral from the attending registered physician is required
4 Subject to an initial one-year waiting period from the commencement date of the original policy inception
5 Applicable to member under the age of 70
Get in touch
If you have any questions regarding this product, don’t hesitate to reach out via our contact form.
Get in touch
If you have any questions regarding this product, don’t hesitate to reach out via our contact form.
Downloads
Notes
- Insured and Legal Spouse below 70 years old and dependent child between 15 days old and below 26 years old (dependent child between 19 to 26 years old must be unmarried and full time student)
- Proposal for children must include at least one parent and the choice of plan for child must be equal to that of the parent(s)
- Insured Member must not have USA as both Home Country and Country of Residence
- Insured Member must not have Sanctioned Countries as their Home Country or Country of Residence
- Insured Member must have satisfactory evidence of good health
- For insured member with home country/country of residency as “mainland China”, must be a HK permanent resident or hold a valid Hong Kong ID card with valid work permit in Hong Kong
The information contained in this page is intended as a general summary. For more details, please refer to our brochure and policy.
If there is any inconsistency or ambiguity between the English version and the translated version, the English version shall prevail.