proMedico

Inpatient benefits include hospital expenses, oncology treatment and day surgery, subject to the selected plan’s limits and eligible-expense rules.Public source · Checked: 14 Oct 2026

Annual aggregate limits for Plans A, B, C and D are USD180,000, USD380,000, USD2,500,000 and USD5,000,000 respectively; individual benefit limits and conditions apply.Public source · Checked: 14 Oct 2026

The brochure provides annual USD premium and levy tables by age, coverage area and plan; optional outpatient benefits have an additional premium.Public source · Checked: 14 Oct 2026

Premiums are not guaranteed and may change at any renewal based on overall product pricing, attained age, medical trends and inflation, benefit changes, and aggregate claims and expenses.Public source · Checked: 14 Oct 2026

The brochure’s renewal footnote guarantees annual renewal to age 100 regardless of health or claims history, subject to policy terms; overall benefits and premiums may be revised.Public source · Checked: 14 Oct 2026

The optional dental treatment benefit on this page has a 6-month waiting period; other dental benefits have separate terms.Public source · Checked: 14 Oct 2026

Examples of exclusions include pre-existing conditions, non-medically-necessary treatment and intentional self-inflicted injury or suicide; expressly accepted cover and policy exceptions must be checked.Public source · Checked: 14 Oct 2026

Policy termination by the policyholder requires 30 days written notice, subject to the stated claim and outstanding-account conditions.Public source · Checked: 14 Oct 2026

Optional dental cover must be taken with outpatient cover. The dental annual limit is USD1,200 for inpatient Plans A/B and USD2,000 for Plans C/D, subject to the stated conditions.Public source · Checked: 14 Oct 2026

Insurer claims guide · Medical / VHIS

Medical / VHIS — Steps: Inpatient above HK$10,000: form parts I/II and posted originals. Outpatient below HK$10,000: upload receipts.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Medical / VHIS — Required documents: Inpatient: claimant I, physician II, final itemised bills/reports. Public hospital II may be waived with clear diagnosis evidence.Public source · Checked: 13 Oct 2026

Medical / VHIS — Deadlines / notification: Individual inpatient: notify in 30 days of hospitalisation; proof in 90 days of treatment. Small outpatient: 90 days of consultation.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Medical / VHIS — Submission channels: Large inpatient: Medical Claims, 26/F, 1111 King’s Rd by post. Small outpatient: Libbie by Liberty or EasyClaim.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Medical / VHIS — Payment methods: Payment follows the selected method; the reviewed pages do not list its available options.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Medical / VHIS — Assessment / payment timing: Large inpatient: receipt about 4 working days; processing about 14 after complete originals/evidence. Small outpatient: about 3–5.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 13 Oct 2026

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked: 13 Oct 2026

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked: 13 Oct 2026

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked: 13 Oct 2026

Plans A and B have no annual deductible option in this schedule; Plans C and D offer no deductible, USD5,000 or USD8,000 annual deductibles, subject to the selected plan and area.Public source · Checked: 14 Oct 2026