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USD Medical plans: To age premium term

Compare 2 products sharing USD / High-end medical: currencies HKD/USD, premium-payment options to ages 100/101, issue-age span 15 days to 81 years. See each plan’s own age rules and terms below in A–Z order; the range does not apply to every plan and unknowns stay unconfirmed, checked :Source

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Last checked

Years 2025–2026 reflect dated source editions, or check years when undated, rather than product launch years.

AI agents can read our sourced facts through the read-only MCP service. MCP server card ·Published fact index

Insurers (13)

Comparison JSON · Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link.

Comparable facts

Filters search recorded options only. Age matches any recorded range; option conditions and age basis still apply. Unknown ranges are excluded when an age is entered.

Product: 2 / 2

Comparable facts
ProductInsurerProduct categoryPolicy currenciesPremium payment termsBenefit termIssue ages & basisRecorded featuresPublished key exclusions (not exhaustive)
One&All Medical Insurance Plan/RiderFWDHigh-end medical Source1Source2HKD / USD Source3Source4To age 101 / Yearly renewable to age 101 next birthday; rider cover ends earlier if the basic policy terminates. Source3Source4To age 101 / Yearly renewable to age 101 next birthday; rider cover ends earlier if the basic policy terminates. Source3Source415 days to 81 years / Age basis: Age next birthday Source3Source4Guaranteed renewal is subject to the stated age limit and policy conditions. Source1
  • Expenses for treatments, procedures, medicines, tests or services that are not medically necessary are excluded.
  • Selected exclusions only; the full policy provisions and individual exclusions apply.
Source5
SunHealth Medical PremierSun LifeHigh-end medical Source6HKD / USD Source7To age 100 Source7To age 100 Source715 days to 70 years / Age basis: Not confirmed Source7
  • Standard private room cover, subject to deductible and limits
  • Three geographical coverage options
  • Cashless hospitalization arrangement requires pre-approval
Source6Source7
  • Medical claims exclude sickness first showing symptoms within 30 days and specified pre-existing conditions in the prior five years.
  • Periods run from issue, effectiveness or reinstatement, whichever is latest.
  • Compassionate Death Benefit is excepted; other exclusions apply.
Source8

Feature matrix

Up to three products in A–Z order. Open each product's decision sheet for complete information.

Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.

Feature matrix
Comparable factsOne&All Medical Insurance Plan/RiderSunHealth Medical Premier
What it pays and when
  • Benefit term: To age 101 / Yearly renewable to age 101 next birthday; rider cover ends earlier if the basic policy terminates.
  • Recorded features: Guaranteed renewal is subject to the stated age limit and policy conditions.
Public source · Checked Public source · Checked Public source · Checked
  • Benefit term: To age 100
  • Recorded features: Standard private room cover, subject to deductible and limits
  • Recorded features: Three geographical coverage options
Show all 4
  • Recorded features: Cashless hospitalization arrangement requires pre-approval
Public source · Checked Public source · Checked
Benefit limitsThe medical rider pays HKD500 / USD62.5 per confinement day or HKD250 / USD31.25 per day-case procedure, with a maximum of 180 days per disability per policy year. Designated mainland hospitals and reduced payments from the 11th consecutive confinement day have separate conditions.Public source · Checked Worldwide, worldwide-excluding-USA and Asia annual limits are HKD20m, 15m and 10m; lifetime limits are HKD60m, 45m and 30m respectively.Public source · Checked
Guaranteed / non-guaranteedGuaranteed renewal is subject to the stated age limit and policy conditions.Public source · Checked Renewal is guaranteed to age 100 provided premiums are paid when due and the plan continues to be offered; benefits and premiums may be revised.Public source · Checked
Waiting periodsThe standalone plan’s optional parent benefit requires the covered parent’s disability to arise after 2 consecutive years from the policy date, with specified exceptions. This is that optional benefit’s waiting period, not a general waiting period for the medical rider.Public source · Checked Illness symptoms first appearing within 30 days after the latest effective, issue or reinstatement date are excluded. Specified tonsil, adenoid, hernia and female reproductive-organ conditions require 120 days of continuous cover before symptoms. Pregnancy-complication cover has a 300-day wait; HIV/AIDS treatment has a five-year wait.Public source · Checked Public source · Checked
Main exclusions
  • Published key exclusions (not exhaustive): Expenses for treatments, procedures, medicines, tests or services that are not medically necessary are excluded.
  • Published key exclusions (not exhaustive): Selected exclusions only; the full policy provisions and individual exclusions apply.
  • For the rider’s exclusions, the brochure lists treatment relating to mental, psychological or psychiatric conditions, behavioural problems, personality disorders or sleeping disorders; this is not the complete list.
Public source · Checked Public source · Checked
  • Published key exclusions (not exhaustive): Medical claims exclude sickness first showing symptoms within 30 days and specified pre-existing conditions in the prior five years.
  • Published key exclusions (not exhaustive): Periods run from issue, effectiveness or reinstatement, whichever is latest.
  • Published key exclusions (not exhaustive): Compassionate Death Benefit is excepted; other exclusions apply.
Show all 4
  • The exclusions include pre-existing conditions, specified pregnancy services, self-injury, non-prescribed intoxicants, non-medically-necessary/experimental treatment and listed hazardous activities, with benefit-specific exceptions.
Public source · Checked Public source · Checked
Deductibles / room / renewalRenewal conditions: Guaranteed renewal is subject to the stated age limit and policy conditions.Public source · Checked Standard private room cover has annual deductible options of HKD0, 20,000, 50,000 or 80,000 (USD equivalents listed).Public source · Checked
How do fulfillment ratios differ by policy issue year?
Feature matrixUp to three products in A–Z order. Open each product's decision sheet for complete information. Chart data and sourcesOne&All Medical Insurance Plan/RiderOne&All Medical Insurance Plan/RiderSunHealth Medical PremierSunHealth Medical PremierWhat it pays and whenWhat it pays and whenBenefit term: To age 101 / Yearly renewable to age 101 next birthday; rider cover ends earlier if the basic policy terminates. · Recorded features: Guaranteed renewal is subject to the stated age limit and policy conditions.Benefit term: To age 101 /…Benefit term: To age 100 · Recorded features: Standard private room cover, subject to deductible and limits · Recorded features: Three geographical coverage options · Recorded features: Cashless hospitalization arrangement requires pre-approvalBenefit term: To age 100 ·…Benefit limitsBenefit limitsThe medical rider pays HKD500 / USD62.5 per confinement day or HKD250 / USD31.25 per day-case procedure, with a maximum of 180 days per disability per policy year. Designated mainland hospitals and reduced payments from the 11th consecutive confinement day have separate conditions.The medical rider pays HKD…Worldwide, worldwide-excluding-USA and Asia annual limits are HKD20m, 15m and 10m; lifetime limits are HKD60m, 45m and 30m respectively.Worldwide, worldwide-exclu…Guaranteed / non-guaranteedGuaranteed / non-guarantee…Guaranteed renewal is subject to the stated age limit and policy conditions.Guaranteed renewal is subj…Renewal is guaranteed to age 100 provided premiums are paid when due and the plan continues to be offered; benefits and premiums may be revised.Renewal is guaranteed to a…Waiting periodsWaiting periodsThe standalone plan’s optional parent benefit requires the covered parent’s disability to arise after 2 consecutive years from the policy date, with specified exceptions. This is that optional benefit’s waiting period, not a general waiting period for the medical rider.The standalone plan’s opti…Illness symptoms first appearing within 30 days after the latest effective, issue or reinstatement date are excluded. Specified tonsil, adenoid, hernia and female reproductive-organ conditions require 120 days of continuous cover before symptoms. Pregnancy-complication cover has a 300-day wait; HIV/AIDS treatment has a five-year wait.Illness symptoms first app…Main exclusionsMain exclusionsPublished key exclusions (not exhaustive): Expenses for treatments, procedures, medicines, tests or services that are not medically necessary are excluded. · Published key exclusions (not exhaustive): Selected exclusions only; the full policy provisions and individual exclusions apply. · For the rider’s exclusions, the brochure lists treatment relating to mental, psychological or psychiatric conditions, behavioural problems, personality disorders or sleeping disorders; this is not the complete list.Published key exclusions (…Published key exclusions (not exhaustive): Medical claims exclude sickness first showing symptoms within 30 days and specified pre-existing conditions in the prior five years. · Published key exclusions (not exhaustive): Periods run from issue, effectiveness or reinstatement, whichever is latest. · Published key exclusions (not exhaustive): Compassionate Death Benefit is excepted; other exclusions apply. · The exclusions include pre-existing conditions, specified pregnancy services, self-injury, non-prescribed intoxicants, non-medically-necessary/experimental treatment and listed hazardous activities, with benefit-specific exceptions.Published key exclusions (…Deductibles / room / renewalDeductibles / room / renew…Renewal conditions: Guaranteed renewal is subject to the stated age limit and policy conditions.Renewal conditions: Guaran…Standard private room cover has annual deductible options of HKD0, 20,000, 50,000 or 80,000 (USD equivalents listed).Standard private room cove…
A–Z (2)

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Comparison groups

Comparison groups

Ask a licensed Hong Kong broker for a free comparison of suitable plans
Sources & verification dates

Sources & verification dates

Checked:

  1. Official product page: product description and features

    Source date: Not confirmed

Checked:

  1. One&All Medical Insurance Plan/Rider — official product page

    Source date: Not confirmed

  2. One&All Medical Insurance Plan/Rider — official brochure

    Source date: Not confirmed

Checked:

  1. One&All Medical Insurance Plan/Rider — plan summary / general information

    Source date: / Page: 13

  2. One&All Medical Insurance Rider — currency, terms and ages

    Source date: / Page: 19

  3. One&All Medical Insurance Plan/Rider — selected exclusions

    Source date: / Page: 24

  4. Official brochure — Key product information; printed 2026-07

    Source date: / Page: 11

  5. Official brochure — benefit-specific exclusion summary; printed 2026-07

    Source date: / Page: 19

Information, not advice; we refer to a licensed Hong Kong broker.

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