HealthMultiple Outpatient Medical Plan
Outpatient medical expenses could be costly and may become a burden to the family. Our HealthMultiple Outpatient Medical Plan is designed to offer you an essential outpatient medical protection against disbursement on clinical care and medication.
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Plan Highlights
Unlimited outpatient services during the period of insurance, including general practitioner visits and specialist consultations at just one annual premium
Extensive medical network of more than 500 top medical experts in various districts throughout Hong Kong
Coverage also includes X-ray and laboratory examination, physiotherapy, Chinese medical practitioner consultation and bone-setting
Free annual medical check-up1
1Only applicable to Enhanced Plan and Platinum Plan.
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Table of Benefits
Maximum benefits per insured person (HKD) Covergae Standard Plan Enhanced Plan Platinum Plan General practitioner consultation and basic medication Maximum no. of visits Unlimited Unlimited Unlimited Co-payment per visit 50 35 0 Specialist consultation and basic medication Maximum no. of visits Unlimited Unlimited Unlimited Co-payment per visit 100 70 0 X-ray & laboratory examination 500 1,000 1,000 Physiotherapy Maximum no. of visits 10 visits 15 visits 15 visits Co-payment per visit 100 70 0 Chinese medicine practitioner consultation Maximum no. of visits 10 visits 15 visits Unlimited Co-payment per visit 50 35 0 Chinese medicine bone-setting Maximum no. of visits 10 visits 15 visits Unlimited Co-payment per visit 50 35 0 Free medical check up Choose one from the following:
For insured person aged 13 – 75 years
• Physical check up
• Gynaecology check up
• Flu vaccine
For insured person aged 15 days – 12 years:
• Flu vaccine
N/A Once per policy year Once per policy year - Routine physical examination, investigations, specialized x-rays, medication on request.
- Chronic disease or pre-existing conditions.
- Childbirth, sterilization, abortion or pregnancy including but not limited to pregnancy test and complications of pregnancy, primary infertility, contraceptive or contraceptive devices.
- Female hormonal tests or assays and female hormonal replacement therapy unless resulting from a disease; pre-menopause, menopause and post-menopause treatments are all excluded.
- Any form of treatment not presently or universally available but which may become available subsequent to the contract of disease and which may be highly expensive.
- Any treatment for sexually transmitted disease. Any treatment arising from sexual dysfunction including but not limited to impotence, erectile dysfunction, pre-mature ejaculation, regardless of cause.
- Any treatment for congenital abnormalities. Alcoholism and/or drug addiction or rest cures.
- Any treatment arising from any geriatric, psychogeriatric or psychiatric condition, including but not confirmed to psychoses, neuroses, depression, anxiety, anorexia nervosa, schizophrenia, behavioral disorders, etc.
- Charges in respect of cosmetic surgery or treatment for cosmetic purpose. Dental or eye refraction treatment and/or correction.
- All expensive tonic and nutrient herbs. Pre-package commercial health supplement.
- Any sickness occurring in the first 14 days after policy inception.
- The HealthMultiple Outpatient Medical Plan (the “Plan”) is a standalone cover and can be enrolled individually.
- The HealthMultiple Outpatient Medical service is provided by an independent medical service provider which is nominated by Zurich Insurance Company Ltd (“Zurich”).
- Cover for insured person aged from 15 days to 64 years and renewable up to aged 75 years.
- Coverage shall be effective on the 1st or the 15th day of the month following the date of receipt of the application by Zurich (whichever is earlier).
- All consultations are limited to one visit per day only.
- Up to three-day medication supplied by the general practitioner, up to two-day basic herbs supplied by the herbalist and one external medicated dressing by Chinese bone-setter.
- A referral letter from a network general practitioner is required for specialist consultation. It is valid for six months from issue date.
- Laboratory examination received as an outpatient if medically indicated and recommended by network doctors.
- All general X-ray investigations performed by network doctors are included.
- Free medical check up shall be provided upon completion of the full policy year.
- Zurich is an authorized insurer in Hong Kong and the above information is not intended to solicit business outside Hong Kong.
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Premium Table
Premium per insured person (HKD) Current age
Standard Plan Enhanced Plan Platinum Plan Monthly
Annual
Monthly
Annual
Monthly
Annual
15 days - 5 years
223
2,676
380
4,560
668
8,016
6 - 64 years
196
2,352
356
4,272
601
7,212
65 - 75 years*
235
2,820
390
4,680
690
8,280
* For renewal only
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Downloads
The information contained herein is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document which shall prevail in case of inconsistency. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail. Zurich Insurance Company Ltd reserves the right of final approval and decision on all matters.