Strengthened Medical Protection

With escalating healthcare costs in Hong Kong, the group medical cover provided by your employer may not be sufficient to pay all your medical expenses. As a Blue Cross group medical insurance member, you can now bridge the expenses gap by enrolling in Caring Medical Protection Plus at an affordable premium. What’s more, you can extend the comprehensive medical cover to your spouse and child(ren).

Continuous Coverage Regardless of Your Employment Status

Once enrolled, the level of medical coverage will remain unchanged, even when you retire or change jobs. You can rest assured that your medical protection will not be interrupted.

No Underwriting¹

Medical underwriting is not required for this Plan. It saves you the hassle and time of undergoing a health check or filling in lengthy health declarations typically required when enrolling in individual medical insurance plans.

Guaranteed Acceptance of Pre-existing Conditions²

If you are currently covered by a Blue Cross group medical insurance policy or were covered within 60 days prior to the application, all insured pre-existing conditions will automatically be covered by this Plan^*.
*
Except for the exclusions of this Plan

Guaranteed Renewal up to Age 99³

Upon successful enrolment, you can enjoy automatic and guaranteed annual renewal of this Plan up to age 99, with coverage up to age 100, irrespective of your health status and claim history. The comprehensive medical protection you have now stays as you age.

Simple Enrolment at Your Fingertips

As a Blue Cross group medical insurance member, enrolling in this Plan is quick and easy. You can simply log in to the Super Care platform or the “Blue Cross HK” mobile app to enrol in just 3 simple steps. Upon completion, you will receive your e-Policy instantly.

Enhance Your Medical Protection with Optional Benefits

We recognise that each individual has his/ her own specific medical concerns, even within the same family. That’s why we provide a range of optional benefits to complement the Basic Hospital and Surgical Benefits, enabling you to customise your medical coverage according to your personal needs. These optional benefits are available in various plan levels. Tailoring a personalised medical protection plan for each member of your family has never been simpler. What’s more, underwriting is not required for the addition of any optional benefit or selection of subsequent plan level.
1. Optional Outpatient Benefits^ (available only in annual premium payment mode)
  By selecting Optional Outpatient Benefits, you will receive an electronic medical card to access designated Blue Cross network clinics for medical consultations with general practitioners, Chinese medicine practitioners, specialists, physiotherapists and chiropractors. With two plan levels available, you can base on your needs and budget to opt for a coverage that requires no out-of-pocket payment, or one that applies a network co-payment ranging from just HK$40 to HK$100. Additionally, you can visit any clinic of your choice, and 80% of eligible expenses will be reimbursed, up to the maximum benefit limit of your selected plan level.
2. Optional Dental Benefits^
  To enhance your oral protection, this Plan offers two plan levels of Optional Dental Benefits, providing reimbursement of 80% of eligible expenses of dental treatments such as extractions, fillings, and more, up to the overall maximum benefit limit per policy year. Our Optional Dental Benefits also cover visits to dental clinics for oral examinations as well as scaling and polishing, up to two times per policy year.
^
Optional Outpatient Benefits and Optional Dental Benefits are optional supplementary medical benefits available for this Plan. For details, please refer to the respective Benefit Schedule and Premium Table.

Family Discount⁴

We understand that your family is vital to you and ensuring their medical protection is of your utmost importance. To support you in this crucial endeavour, this Plan comes with a family discount of up to 10%. The family discount applies when two or more eligible family members⁵ are insured under the same Caring Medical Protection Plus policy on the policy effective date/renewal date (as applicable). The details of the family discount are specified below.

Number of Eligible Family Members Insured Family Discount

2 5%

3 or more 10%

With this exclusive discount, you can provide comprehensive medical coverage for your whole family while saving money!

Superb Value-added Services

Cashless Arrangement for Gastroscopy and Colonoscopy (only applicable to policies with annual payment mode)
Pre-procedure Claim Assessment
Worldwide Medical Coverage
24/7 Worldwide Emergency Aid
One-stop Claim Solution
Blue Cross Nursing Care Hotline
“Blue Cross HK” Mobile App

Enrolment Guidelines

Top-up Option	Conversion Option
Eligibility of the Insured
Existing Blue Cross group medical insurance members, and their spouse and child(ren)^# (10% off on premium)	Individuals whose Blue Cross group medical insurance membership was terminated within 60 days prior to enrolment, and their spouse and child(ren)^#
Enrolment Period
Within 60 days from the member’s commencement date or upon each renewal date of the Blue Cross group medical policy	Within 60 days from the date of termination⁸ of the Blue Cross group medical insurance policy
Policy Effective Date
• The policy effective date will be subject to the application or completed information received by Blue Cross, whichever is later⁹ • The policy effective date is not necessarily to be the same as the member’s commencement date or renewal date of the Blue Cross group medical policy⁹	• The policy effective date must be the day following the last day of employment⁹

If spouse and child(ren) are not existing Blue Cross group medical insurance members, health declaration is required and subject to underwriting. Pre-existing conditions will not be covered.

Flexible Plan Selection

This Plan gives you exceptional flexibility to customise your medical coverage according to your personal needs. Each member of your family can also choose their own plan level for the Basic Hospital and Surgical Benefits. Additionally, they can add in various optional benefits with different plan levels to address their specific healthcare concerns.

As a Blue Cross group medical insurance member, you can select specific plan levels based on the entitled level of accommodation under your Blue Cross group medical insurance policy, without the need for underwriting. However, if your desired plan level exceeds your entitlement, underwriting will be required for your applications for Basic Hospital and Surgical Benefits. The details of the plan selection rules are outlined in the tables below.

		Benefits
		Basic Hospital and Surgical Benefits (Benefit Sub-limit)			Optional Outpatient Benefits		Optional Dental Benefits
		Plan Level
		Premier (1)	Superior (2)	Standard (3)	Superior	Standard	Plan A	Plan B
Entitled level of accommodation under your Blue Cross group medical insurance policy	Private
	Semi-private
	Ward

: Underwriting is not required.

: Underwriting is required.

Remarks: For details of notes 1, 2, 3, 4, 5, 8 and 9, please refer to “Points to Note”.

Notes:

1.		The above information is for reference only. Please refer to policy for the exact terms and conditions and the full list of policy exclusions.
2.		Should there be any discrepancy between the English and the Chinese versions of the above information, the English version shall apply and prevail.
3.		The above product(s) is/are offered for sale in Hong Kong only and is/are underwritten by Blue Cross (Asia-Pacific) Insurance Limited, an authorised insurer in Hong Kong.

Number of Eligible Family Members Insured	Family Discount
2	5%
3 or more	10%