Medical & Dread Disease Plans

Accidents and illnesses are unpredictable and will cause you unexpected financial burden. Family Guardian Refundable Hospital Income Protection Plan (The "Plan") provides you the solution to be well prepared for the rainy days. If the Life Insured needs to stay in the hospital due to Injury or Sickness, the Plan will provide the Daily Hospital Income Benefit as financial support, allowing you to recover well with peace of mind.

Health Essential Medical Plan – Standard (The “Plan”) is a Certified Plan under the Hong Kong Government’s Voluntary Health Insurance Scheme (“VHIS”) which is eligible for claiming tax deduction. The Plan offers you a medical insurance, renewal is guaranteed up to the Age of 100 years of the Insured Person. 

The Plan is a medical plan of reimbursement for incurred medical expenses. If during the period while the Plan is in force, the Insured Person, as a result of a Disability and upon the recommendation of a Registered Medical Practitioner, is confined in a Hospital; or undergoes any Day Case Procedure, Prescribed Diagnostic Imaging Test or Prescribed Non-surgical Cancer Treatment, the Plan will reimburse the Reasonable and Customary Eligible Expenses to help you to relieve the sudden financial burden.

Health Supreme Medical Plan (The “Plan”) is a Certified Plan under the Hong Kong Government’s Voluntary Health Insurance Scheme (“VHIS”) which is eligible for claiming tax deduction. Moreover, the Plan provides several choices of benefit classes which can fulfill your personal needs and offers you and your family a comprehensive medical insurance, renewal is guaranteed up to the Age of 100 years of the Insured Person.

The Plan is a medical plan of reimbursement for incurred medical expenses. If during the period while the Plan is in force, the Insured Person, as a result of a Disability and upon the recommendation of a Registered Medical Practitioner for covered medical treatments, the Plan will reimburse the Reasonable and Customary Eligible Expenses to help you to relieve the sudden financial burden. Moreover, the Plan offers 3 different choices of benefit classes and supplementary major medical benefit, i.e. totally 6 benefit choices that you can flexibly choose the best option to suit your financial budget and medical needs.