MediSure Plus

Hospital and related services, pre/post-hospitalisation care and cancer treatments are described, subject to the chosen benefit limits.Public source · Checked: 14 Oct 2026

Surgeon fees for Excel and Standard plans follow the surgical schedule up to HKD330,000 and HKD52,000 respectively; anaesthetist and theatre fees are 35% of payable surgeon fee.Public source · Checked: 14 Oct 2026

Premiums and terms may be adjusted at renewal at the insurer’s discretion; standalone child cover has a 10% premium loading.Public source · Checked: 14 Oct 2026

Core medical cover renews to age 100; maternity renews to 49, critical illness/lady benefits to 79, and top-up to 69 with a Standard-plan switch at 70 without new underwriting.Public source · Checked: 14 Oct 2026

Critical illness and lady benefits have a 60-day waiting period and a 21-day survival period.Public source · Checked: 14 Oct 2026

Exclusions include pre-existing conditions, congenital/hereditary conditions, mental disorders and elective overseas non-emergency care.Public source · Checked: 14 Oct 2026

The brochure states that no premium refund is allowed once the policy has been issued.Public source · Checked: 14 Oct 2026

Lady Benefit is a rider of Critical Illness Benefit and cannot be insured separately; its payment reduces the critical illness maximum.Public source · Checked: 14 Oct 2026

Insurer claims guide

Claims can be submitted through EASY Claims online; the brochure also provides a dedicated claims hotline.Public source · Checked: 14 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