Plan Highlights

Flexible Combination of Coverage

• Your choice of Cover Area¹, Overall Annual Limit, Deductible² and Type of Accommodation³ as required
• 3 Optional Benefits: Outpatient Benefits, Maternity Benefits⁴, Dental Benefits
• Provide 2 plan levels namely Platinum and Gold, with overall annual limits of US$3,000,000 and US$2,300,000 respectively

All-round Protection + Care for Cancer and Chronic Illnesses

• Your choice of attending doctors and private hospitals
• Full cover for most items under Hospital and Surgical Benefits
• Special Treatment Benefits for cancer and chronic illnesses
• Pre- and Post-Hospitalisation Benefits
• Accident Treatment Benefits
• Cover the expenses of Advanced Diagnostic Imaging performed in outpatient facility

Free Exclusive Benefits

• Annual health checkup

Supportive Services

• Second Medical Opinion, Pre-procedure Claim Assessment⁵, Cashless Priority Discharge⁶, 24-hour Worldwide Emergency Aid, Nursing Care Hotline

Guaranteed Renewal up to Age 99⁷

• Guaranteed renewal regardless of health status or claim history after enrolment

Worldwide Coverage¹

• Allow immediate hospitalisation for treatment when travelling abroad for business or leisure

Easy Application

• No medical examination is required

No Claim Discount⁸

• You can enjoy premium discount on the aggregate premium payable for the Basic Benefits (excluding premiums paid for Optional Benefits) as soon as next year’s policy renewal, if no claim under the Basic Benefits has been made during the respective no claim periods, as specified below

  No Claim Period Immediately Preceding Renewal	1 year	2 consecutive years	3 consecutive years	4 consecutive years	5 consecutive years or above
  Discount Rate	5%	5%	10%	10%	15%

• Any claim made under Emergency Outpatient Treatment or Outpatient Surgery Cash Allowance⁹ (if applicable) will not affect the insured’s eligibility for the No Claim Discount

Family Discount¹⁰

• If the number of eligible family members¹¹ insured under the same Tycoon Medical Insurance Plan policy on the policy effective date/renewal date (as applicable) reaches 2 or more, such policy can enjoy family discount specified below.

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

Key Features

Flexible Coverage for all Stages of Life

• With a wide range of protection options, Tycoon Medical Insurance Plan provides you with highly flexible, diversified and cost-effective protection. The Plan offers 2 plan levels,namely Platinum and Gold, and 2 cover areas¹ : “Worldwide” and “Worldwide (excluding North America)”.
• To match your personal needs, the Plan offers various choices of deductible², allowing you to enhance medical protection within your budget while taking advantage of the medical benefits offered by your employer. In addition to the basic benefits, you can choose from a range of optional benefits based on your needs, namely Outpatient Benefits, Maternity Benefits⁴, and Dental Benefits
• If premium is paid annually for Optional Outpatient Benefits, you will be issued with an Executive Outpatient Service (E.O.S.) Card which entitles you to use it at Blue Cross network clinics for general practitioner’s consultations, Chinese medicine practitioner treatments or specialist’s consultations

All-round Protection to Care for Cancer and Chronic Illnesses

• To provide you with the desirable medical coverage, the Platinum and Gold Plans offer overall annual limits of US$3,000,000 and US$2,300,000 respectively. Benefit items include full cover for most items under Hospital and Surgical Benefits, pre- and post-hospitalisation medical costs (including Chinese medicine practitioner treatments: general practice, bone-setting and acupuncture, chiropractic, physiotherapy, etc.), accident treatment costs (including reconstructive surgery), etc. What’s more, the Outpatient Surgery Cash Allowance⁹ can offer you even greater flexibility for different medical needs
• Critical and chronic illnesses often impose heavy financial burden on patients due to the high cost of advanced medical treatments, not to mention the stress caused by these illnesses. Therefore, Tycoon Medical Insurance Plan extends its coverage to the high cost of special treatments incurred for various chronic illnesses, including cancer treatments (chemotherapy, targeted therapy, radiotherapy, hormonal therapy, immunotherapy, gamma knife or cyberknife), kidney dialysis, organ transplants (including bone marrow transplants), AIDS treatments, etc.

Free Second Medical Opinion

• Patients suffering from critical illnesses often want to seek second opinion from independent medical experts before making their final decision on treatment options. A top-notch international medical team will offer the insured a second medical advice for free, enabling patients to better understand their situation and make informed choices on treatment

Pre-procedure Claim Assessment

• Simply provide the required information online 4-7 working days prior to receiving procedure or treatment. We will help you to estimate the eligible claim amount⁵ based on your policy coverage, allowing you to plan your budget in advance and undergo treatment with peace of mind

Cashless Priority Discharge⁶

• If you are admitted to a private hospital in Hong Kong, simply inform Blue Cross before admission, and your hospital bills will then be settled directly by us. This gives you great convenience and no hassle of claim reimbursement upon discharge, allowing you to focus on making a speedy, worry-free recovery

Guaranteed Renewal up to Age 99⁷

• The period of cover of the policy is 1 year. Upon successful enrolment, we guarantee your policy will be renewable till age 99, giving you coverage up to age 100. No additional premium will be imposed individually upon policy renewal, regardless of your health status or claim history. Moreover, your policy will be automatically renewed for another period of insurance. This gives you and your family the real peace of mind at different stages of life.

Annual Health Checkup for Free

• Your health is our utmost concern. We have specially arranged a free checkup programme to help you detect early diseases and monitor your health conditions

24-hour Worldwide Emergency Aid

• We are here for you 24/7. Simply call our hotline when you need assistance in an emergency situation while travelling overseas, and our dedicated officers will provide you with all-round assistance such as hospital admission deposit guarantee service, local medical or legal referral service, etc.

Blue Cross Nursing Care Hotline

• We understand you need professional advice on daily care, and we are here to provide you with an exclusive nursing care hotline to answer your enquiries about post-surgery care, daily care for elderly, maternity care, infant and child care

“Blue Cross HK” Mobile App

• As a Super Care member, you can enjoy one-stop digital medical insurance services including location-based network doctors search, video consultation, speedy registration and completion for outpatient consultation with electronic medical card, and 3-step instant claim submission¹², keeping track of claim status round-the-clock.

Tailor Your Worldwide Protection

• With 2 plan levels offering different overall annual limits, 3 choices of deductibles and 3 optional benefits of your choice, you can tailor-make a cost-effective yet flexible medical protection plan to cater for your own needs


Remarks: For details of notes 1 - 12, please refer to "Points to Note"