Maximum benefits per insured person (HKD)

1. Routine physical examination, investigations, specialized x-rays, medication on request.
2. Chronic disease or pre-existing conditions.
3. Childbirth, sterilization, abortion or pregnancy including but not limited to pregnancy test and complications of pregnancy, primary infertility, contraceptive or contraceptive devices.
4. 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.
5. 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.
6. 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.
7. Any treatment for congenital abnormalities. Alcoholism and/or drug addiction or rest cures.
8. 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.
9. Charges in respect of cosmetic surgery or treatment for cosmetic purpose. Dental or eye refraction treatment and/or correction.
10. All expensive tonic and nutrient herbs. Pre-package commercial health supplement.
11. 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.