Health Insurance
Top-Up Health Insurance Plan

Why Top Up Your Current Health Insurance Plan?

 

Our top-up cover starts when your medical bills have exceeded your primary insurance plan. So you’re not left with sudden expenses when your main policy stops paying.

You enjoy all the same benefits of our regular health insurance at a fraction of the cost.

Let’s say for example that you go to the hospital and have to stay for a few days.

  • Your hospitalisation cost is HK$150,000
  • But your group health insurance scheme only reimburses for HK$50,000
  • You’ve selected a top up annual excess from us of HK$ 65,000
  • This means you will only need to pay HK$15,000
  • And our Top-up plan will cover you for HK$85,000
  • Without the Top-up plan, you would have had to pay HK$100,000

Get a Quote

How Your Top-Up Health Insurance Plan Works

 
Step 1: Select Your Hospital Network
Decide which hospitals suit you best. Choose between either Tier 1, 2 or 3 from the list below.
    • Precious Blood Hospital
    • Tsuen Wan Adventist Hospital
    • St. Teresa’s Hospital
    • Evangel Hospital
  •  
    • Precious Blood Hospital
    • Tsuen Wan Adventist Hospital
    • St. Teresa’s Hospital
    • Evangel Hospital
    • St. Paul's Hospital
    • Shatin Union Hospital
    • Hong Kong Baptist Hospital
    • Canossa Hospital
  •  
    • Precious Blood Hospital
    • Tsuen Wan Adventist Hospital
    • St. Teresa’s Hospital
    • Evangel Hospital
    • St. Paul's Hospital
    • Shatin Union Hospital
    • Hong Kong Baptist Hospital
    • Canossa Hospital
    • Hong Kong Adventist Hospital
    • Hong Kong Sanatorium & Hospital
    • Matilda International Hospital
 
Step 2: Choose Your Room Type
When you choose your room type you’re picking the type of hospital accommodation you’re most comfortable with:
  • A Ward is the cheapest option
  • Followed by Double Occupancy where you’ll share your room with one other
  • Finally Single Occupancy gets you your own room
 
Step 3: Decide Your Deductible

Since this is a top-up plan your primary insurance will cover the initial annual medical expenses.
First take a look at how much cover your primary insurance plan gives. After that decide the amount to be paid out before your top-up plan starts to reimburse you.
The table below shows you the minimum annual excess amount applicable (cost varies with the hospital tier and room type)

Hospital Network Ward (HK$) Double Occupancy (HK$) Single Occupancy (HK$)
Hospital Tier 1 65,000 75,000 85,000
Hospital Tier 2 75,000 85,000 100,000
Hospital Tier 3 85,000 100,000 125,000

Your deductible is what you agree to pay out of your own pocket before we help pay towards a claim. A higher deductible usually means a lower premium.
The table below shows your annual limits depending on which Hospital Tier you choose. This is the amount you can claim each year.

Hospital Network Ward (HK$) Double Occupancy (HK$) Single Occupancy (HK$)
Hospital Tier 1 150,000 200,000 300,000
Hospital Tier 2 200,000 300,000 400,000
Hospital Tier 3 400,000 600,000 800,000
Have questions?  Speak with us directly at (852) 2884 8888 or provide your details and we’ll call you back on the next working day.