In- and out-patient medical

Customize your own medical plans to get comprehensive protection

At Zurich, we understand that everyone's need for a comprehensive medical plan is unique. As you go through many life stages, your medical needs change. Therefore we bring you the HealthMultiple Medical Insurance Plan. This plan can be customized to ensure that you and every member of your family will be protected throughout their different life stages. We advise you to make the early decision in your life stage to ensure you and your whole family are protected with a medical insurance plan that covers all your medical needs.

Product features:

  • Enrolment is simple and easy with no medical check-up required
  • Renewal up to aged 100 years1 if you enrol before aged 65 years2
  • No claim discount up to 15%3
  • One policy does it all for all family members4, 5 and no claim discount applies individually
  • High degree of flexibility, allowing you to select from a wide range of medical covers
  • 24-hour emergency assistance services including overseas telephone medical advice assistance, medical referral and emergency house-call nursing assistance (only in Hong Kong)

Voluntary Deductible

  • Enjoy up to 35% discount on premium of Core Cover so as to meet all your medical needs (e.g. the insufficiency of your employer's group medical plan)
  • You can switch back (with no medical check-up required) to your non-deductible medical plan upon your retirement or when you are no longer entitled for group medical benefits6, 7
  • Prepare yourself early and avoid your coverage being reduced due to age restriction or worsening health condition

1 Offers protection and renewal up to aged 100 years, except the Critical Illness benefit and the Out-patient Medical Plan, which are both renewable up to aged 75 years.

2 Zurich Insurance Company Limited reserves the right to amend any terms & conditions, including but not limited to the premium rates or benefits or exclusions to the policy at the time of renewal.

3 If no claim has been made in the period of insurance, you are entitled to 5% no claim premium discount at annual renewal. You can start to enjoy this immediately after the first claim-free year. The no claim premium discount can be accumulated up to 15%.

4 Family shall include the applicant, his/her spouse and/or dependent and unmarried child(ren) aged below 18 years.

5 Except for Out-patient Medical Plan which can be taken out on a standalone basis.

6 Only applicable to Section 4(b) – Voluntary Deductible and the existing benefits covered in the policy.

7 Only applicable to Insured Person who is being covered from Group Medical Benefits provided by his/her employer.

To know more about the above plan, please contact our professional insurance consultants or call us
at (852) 2903 9391.