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Medical  
 

MediGuard Protection Plan

While working day-in day-out towards a better life for your loved ones, have you overlooked your own health and well-being?

To avoid the burden of medical expenses, you need more than a healthy life style - You need MediGuard Protection Plan.

MediGuard offers you the most comprehensive protection for hospitalization as well as outpatient and specialist consultation. In addition, MediGuard carries various benefits and discounts on medical services, giving the best care to both your health and your wealth.

Choose Your Own Medical Service
Comprehensive Cover
24-hour Worldwide Assistance
MediGuard Bonus as High as 10%
Table of Benefits
Premium



 
 

Choose Your Own Medical Service

Customers are free to choose their most trusted hospitals, clinics and doctors, in Macau or Hong Kong. In case of emergency, you can also contact the Worldwide Assistance Hotline for help.

 
 

Comprehensive Cover

a) MediGuard covers medical expenses of inpatient hospitalization as well as outpatient and specialist consultation.
b) Admission deposits are waived at major hospitals in Macau and Hong Kong.
c) Check-ups before and after hospitalization are covered.
d) 85% high reimbursement ratio.
 
 

24-Hour Worldwide Assistance

In case you need medical assistance while traveling abroad, you can always call our 24-hour Worldwide Assistance Hotline. Specialized staff stationed in the assistance center can give you valuable help such as medical advice and emergency evacuation assistance.

 
 

MediGuard Bonus as High as 10%

If the total claims amount in a policy year is less than 15% of premium paid, the customer will receive a special MediGuard bonus of 5% in the subsequent year. This bonus can be accumulated up to 10% if the customer maintains a claims history below 15%.

 
 

Table of Benefits (MOP)
(Maximum reimbursement amount per incident)

Items
Classic Plan
Golden Plan V.I.P Plan

Operation
Includes surgeon's fee (subject to surgical schedule), anaesthetist's fee & operating theatre fee

24,000

51,000

108,000

Miscellaneous hospital expenses

7,500

15,000

30,000

Daily room and board
(max. 60 days)

500

1,000

2,000

Daily intensive care unit
(max. 10 days)

1,000

2,000

4,000

Daily physician's / specialist's fee
(max. 60 days)

300

600

1,200

Pre-hospitalization check up
(within 30 days advance)

--

1,000

2,000

Post-hospitalization check up
(max. 4 visits)

--

1,000

2,000

Clinical consultation
(one visit / day, max 3 visits / month)

--

150

250

Specialist consultation
(one visit / day, max 5 visits / year)

--

300

500

Annual clinical surgery

--

2,000

4,000

 

 
 

Premium (MOP)


Classic Plan

Golden Plan

V.I.P. Plan

Age

Annual

Monthly

Annual

Monthly

Annual

Monthly

0 – 9*

1,388.20

119.60

4,011.80

344.10

8,094.10

695.10

10 – 17

1,188.20

102.00

3,188.20

273.50

5,823.50

500.00

18 – 24

1,094.10

94.10

3,811.80

326.50

6,270.60

538.20

25 – 29

1,129.40

97.10

4,270.60

366.70

6,823.50

585.30

30 – 34

1,152.90

99.00

4,423.50

379.40

7,082.40

607.80

35 – 39

1,258.80

107.80

4,858.80

416.70

7,352.90

631.40

40 – 44

1,529.40

131.40

5,094.10

437.30

7,717.60

662.70

45 – 49

1,835.30

157.80

6,129.40

526.50

9,494.10

814.70

50 – 54

2,223.50

191.20

7,411.80

636.30

11,470.60

984.30

55 – 59

2,611.80

224.50

8,705.90

747.10

13,494.10

1,157.80

60 – 64 **

3,035.30

260.80

11,282.40

968.60

17,482.40

1,501.00

65 – 69 **

4,070.60

349.00

15,035.30

1,290.20

23,305.90

2,000.00

* Infants aged below 2 months are excluded from this insurance plan
** Premium rates for ages 60 - 69 are applicable for renewal customers only

 
 
Remarks:
1. For hospitalization service outside Macau and Hong Kong, you need to contact the 24-hour worldwide assistance hotline for admission procedures. In case of emergency, where contact in advance is not possible, you should inform the assistance center within 24 hours after hospital admission.
2. Client’s 15% co-insurance share in reimbursable charges will be deducted in each claim. The minimum amount deductible for outpatient expense is MOP30 per claim.
3. For a complete description of terms and conditions, please refer to the policy.
4. This service/product is not targeted at customers in the EU.