Hospital Cash Benefit Extended to Community Isolation Facilities! Free Telemedicine Included! Extra COVID-19 Benefits from Hong Kong Insurers (Updated April 2022)

Estimated reading time 7 minutes
04 Apr 2022
Extra COVID-19 Benefits from Hong Kong Insurers
Share to Facebook
Share to Twitter
Share to LinkedIn
Share to Whatsapp
Copy URL

04 Apr 2022

Estimated reading time 7 minutes

With the Omicron variant bringing the fifth and most severe wave of the pandemic across Hong Kong, the cumulative number of confirmed cases has now exceeded a million. Currently, some insurers in Hong Kong are still offering extra coronavirus specific benefits including hospital cash, quarantine cash, telemedicine, death benefit and others. However, a few insurers including Prudential, Hang Seng, Well Link and YF Life have withdrawn their offers.

The following is a summary of the offers (as of 1st Apr 2022) from AXA, Blue Cross, Bupa, Cigna, FTLife, Manulife, Sun Life and Tahoe. 10Life has compared the extra COVID-19 benefits and analysed the usefulness.

Table: COVID-19 Extra Protection
Insurer
AXA Blue Cross Bupa Cigna
Eligible Products Group Medical Indemnity hospital,
VHIS and group Medical
Individual/ Medical/
Bupa Hang Seng
Designated
Products
Eligible Customers Insured employees
and  dependents
of eligible
Employee Benefits
hospitalisation policies
Insured Members New/ Existing New/ Existing
Coverage Period
From now until
further notice
From now until
30 Jun 2022
From now until
31 Dec 2022
From now until
30 Jun 2022
Death Benefit - - - -
Hospital Cash $700 per day $800 per day $800 per day -
Maximum
Hospital Period
45 days 45 days 45 days -
Quarantine Benefit - - - $2000 per day
(home/specified facility/
hospital, up to 14 days)
for Cigna HealthFirst Elite only
Telemedicine
- - From 1 April to 30 June 2022,
Bupa offers 2 free video
consultations services.
Consultation fee, basic
medication fee and medication
delivery charges will be waived.1
Cigna waives medication
delivery charges and copays
(if applicable)
for customers of designated
products using Cigna
Telehealth Service.2
Waiting Period Waived - - -
Express Claims - Priority Priority Priority

Insurer FT Life Manulife Sun Life Tahoe Life
Eligible Products MediGold Plus
Insurance Plan
Individual Financial/
Group Medical
Designated Medical
Plans
All
Eligible Customers
New/ Existing
New/ Existing3New/ Existing Existing
Coverage Period Per policy yearFrom now until
30 Jun 2022
From now until
30 Jun 2022
From now
until 30 Jun 2022
Death Benefit - -
$100,0005 -
Hospital Cash
-Extended coverage for
 hospitalization in
designated  community
treatment facilities4
Extended coverage for
 hospitalization in
designated community
treatment facilities6,7
$800 per day
Maximum
Hospital Period
-
Depend on
policies
Depend on
policies
50 days
Quarantine Benefit $2,000 per day for worldwide
or worldwide excl. US plan
 and $1,200 per day for Asia plan
 (home/specific facility,
up to 15 days per policy year)
- - -
Telemedicine
- - - -
Waiting Period Shortens to 3 days
if the policy is approved on
or before 31 May 2022
- - Waived
Express Claims - - - 1 day
Remarks:
  1. For existing Bupa members who test positive for COVID-19 and are symptomatic only.
  2. Medical insurance plans include Cigna HealthFirst Elite Medical Plan, Cigna HealthFirst Choice Medical Plan, Cigna Plus Medical Plan, Cigna HealthFirst TopUp Medical Plan, and Cigna HealthFirst DiaMedic Medical Plan under Cigna HealthFirst Medical Plan Series and Standard Plan, Flexi Plan (SMM), Flexi Plan (Superior) under Cigna VHIS Series. Inclusive of Cigna CareChoice Group Plan and Cigna StartEasy Group Plan under Cigna SME Series.
  3. Insured under an individual financial product policy with a hospital cash for confinement in a general ward of a government hospital/daily cash benefit, or covered member (including his/her covered dependant(s)) under a group medical insurance policy with a hospital cash for confinement in a general ward of a government hospital.
  4. Designated community treatment facilities include AsiaWorld-Expo and Penny’s Bay Quarantine Centre.
  5. Only applicable to the insured(s) of WeHealth Preferred, WeHealth Prestige or SunHealth LovePromise. If an Insured Person / insured unfortunately passes away due to COVID-19, in addition of the death benefit under his/her policies, Sun Life will pay an extra HKD100,000 death benefit.
  6. Only applicable to the insured(s) of SunHealth Medical Premier, SunHealth Medical Essential, SunHealth Medical Care, Hospital Income Insurance Plan, SunHealth Medical Fit and Bright Superb Health.
  7. Designated community treatment facilities include Asia World-Expo, North Lantau Hospital HK Infection Control Center, Penny’s Bay Quarantine Center, community isolation facility in Tsing Yi, community isolation facility in San Tin, community isolation facility in Fanling, and community isolation facility on the Hong Kong Boundary Crossing Facilities Island of the Hong Kong-ZhuhaiMacao Bridge.

Hospital cash benefit up to $40,000

In Hong Kong most people buy medical insurance to get quick and comfortable treatment services at private hospitals. Given COVID-19 patients are being treated in public hospitals which are virtually free of charge, the common medical insurance products offer limited protection on this commutable disease. 

In response many insurance companies in Hong Kong have launched additional free coverage on COVID-19. One key feature is hospital cash benefits, so the insured can still enjoy cash subsidies from even when admitted to a public hospital. The coronavirus hospital cash benefit is usually on a daily (or weekly) basis, with an overall limit on the total value and/or benefit period. As the treatment and observation time on confirmed COVID-19 cases can still be uncertain, a longer benefit period would be beneficial to the customer. 

Tahoe offers daily cash benefit of $800 and a maximum of 50 days (i.e. $40,000), but it is available to existing customers only.

Given the latest situation, Manulife and Sun Life have extended the hospital cash benefit of designated policies to community treatment facilities, including Hong Kong AsiaWorld-Expo and Penny’s Bay Quarantine Centre. Sun Life also covers North Lantau Hospital Hong Kong Infection Control Centre and 4 other community isolation facilities (Tsing Yi, San Tin, Fanling and Hong Kong Boundary Crossing Facilities Island of the Hong Kong-ZhuhaiMacao Bridge). 

Some quarantine cash benefits cover home quarantine

Only Cigna and FTLife are still offering quarantine cash benefits. Cigna provides daily cash of $2000 for up to 14 days (for Cigna HealthFirst Elite). 

FTLife offers a daily cash of HK$2,000 (for MediGold Plus worldwide or worldwide excluding US) or HK$1,200 (for MediGold Plus Asia) for up to 15 days per policy year. 

These quarantine cash benefits are offered in lieu of hospital cash benefits when the insured is isolated involuntarily at a specified quarantine facility or hospital due to coronavirus. Some plans also cover mandatory home quarantine (for Cigna HealthFirst Elite and FT Life MediGold Plus customers).

Telemedical and death benefit

Bupa offers 2 free video consultations services for existing members who test positive for COVID-19 and are symptomatic. From 1 April to 30 June 2022, its members can consult our selected general practitioners via video call, and the consultation fee, basic medication fee and medication delivery charges will be waived. This free benefit will be provided regardless of whether the member currently has any clinical coverage.

Cigna waives medication delivery charges and copays (if applicable) for customers of designated products using Cigna Telehealth Service.

Also, Sun Life provides a death benefit due to coronavirus of $100,000 for clients of designated products. 

Other special COVID-19 related offers include wavier of waiting period so that new customers can also get coronavirus coverage immediately, and express claims processing as fast as 1 day. Most insurers are offering these coronavirus benefits as extra free coverage to both existing and new customers. Some insurers offer certain benefits only to new customers to drive sales.

Choose the products which meet your needs

Although some of these free extra benefits have limited actual dollar value and coverage period, they can be considered as a nice gesture from the insurer to the customer. While this COVID-19 crisis has prompt us to think about our protection gap, we should choose insurance products based on overall personal needs, not only the coronavirus coverage. The coverage against COVID-19 is limited for most insurance products in Hong Kong.

  • Medical Insurance: As diagnosed COVID-19 cases are being treated in public rather than private hospitals, the coverage amount is limited. However, it should be considered if you want coverage for medical cases (other than commutable diseases) at private hospitals.
  • Critical Illness Insurance: COVID-19 is not yet a specified disease covered. However, if the coronavirus leads to other complications (e.g. chronic lung disease, stroke, heart attack) or ICU stay, it can be covered under some products.
  • Life Insurance: If the insured dies from COVID-19 the beneficiary will be compensated. In particular, term life insurance offers relatively high coverage at low cost, making it a good protection option during times of uncertainty. [Read more]

Insurance is a risk transfer tool and you get compensations from the insurer when the risk event occurs. However, we can all do our share by observing personal hygiene and practising social distancing, thereby minimising the risks for our community.   

Further Reading:

Note:
1. This article is provided by 10Life. All information is for reference only. The article does not take into account any personal needs and suitability, and do not constitute any sales advice. You should seek independent advice from licensed insurance advisors before purchasing any insurance products. Latest information from insurance companies shall prevail.
2. The above information is updated as of April 1, 2022. 

Disclaimer

10Life Product Comparison and 10Life Insurance Ratings are developed by 10Life Financial Limited, an authorised insurance broker with Insurance Authority License Number FB1526. 10Life Product Comparison and 10Life Insurance Ratings are developed for generic customer segments using mathematical calculations based on product information, facts and data, and are not influenced by any partnerships with or fees received from insurance companies.  

Any information on 10Life Platform ("10Life Information"), including but not limited to Product Comparison, Product Ratings, Blog Articles are intended for general education purpose and reference only and should not be constituted as any insurance, financial, investment or other professional advice or solicitation to buy insurance, financial or investment products. 10Life Information does not take into account your individual needs. Reading 10Life Information should not be considered as conducting a suitability assessment. You should only rely on information authorised by insurance companies and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While best effort is used when collecting, validating and updating 10Life Information from various channels, none of 10Life Group and its subsidiaries, affiliates, agents, directors, officers and employees will be responsible for any liability arising from using 10Life Information or for any claims and/or losses caused thereby, and no warranty or guarantee is made on the accuracy, completeness and timeliness of the information.

If you have any questions on 10Life Product Comparison and 10Life Insurance Ratings, please email us at enquiries@10life.com .

Instant Chat
Licensed advisors will address all your insurance queries
Please select advisors

Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.7
3931
605

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.9
1173
274

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1845
308

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1340
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1639
261

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1750
304

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1053
312

Edward, Lam Wing Chuen

林永泉

Convoy Senior Wealth Management Advisor

4.6
1557
263

Noble, Suen Chit Yuen

孫哲遠

AIA Associate Director, Wealth Management and Protection

4.4
1113
249

Liu Lai Ting

廖麗婷

FWD Senior Branch Manager

4.7
1399
208

Have an insurance question? Just ask!

  • Ask a question anytime, anywhere
  • Get response from multiple licensed advisors
  • Simply login with Email
You can choose to direct your question to a specific insurance company before submitting a question.
Please enter all the question field.
Sorry, the question was failed to send.
The question was successfully sent.
ExamplesHow to choose saving insurance?Do I need life insurance?What products cover unknown pre-existing conditions?
Share to Facebook
Share to Twitter
Share to LinkedIn
Share to Whatsapp
Copy URL

Further Readings

blog cover image
Top Guaranteed Returns on HKD Short Term Savings Insurance
19 May 2022
Short-Term Savings
blog cover image
Fire Insurance vs Home Insurance - A Simple Guide
18 May 2022
blog cover image
MRI - What You Need to Know
16 May 2022
Health
blog cover image
Paying Premiums via Insurance Agents?
13 May 2022
Insurance Intermediaries
Confirm to leave?
Instant Chat
Licensed advisors will address all your insurance queries
Please select advisors

Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.7
3931
605

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.9
1173
274

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1845
308

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1340
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1639
261

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1750
304

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1053
312

Edward, Lam Wing Chuen

林永泉

Convoy Senior Wealth Management Advisor

4.6
1557
263

Noble, Suen Chit Yuen

孫哲遠

AIA Associate Director, Wealth Management and Protection

4.4
1113
249

Liu Lai Ting

廖麗婷

FWD Senior Branch Manager

4.7
1399
208
×
Ask Questions
No contact information needed. Anonymous questions, instant chat, and get opinions from licensed advisors.
Please sign up or login, instant anonymous questions!
Advisor Replies
Your question has been sent to licensed advisors.
No contact information needed. Anonymous questions, instant chat, and get opinions from licensed advisors.
Please sign up or login, instant anonymous questions!
My Advisors
No record with advisors.
Please sign up or login. No contact information needed, instant contact with advisors!
Instant Chat
Licensed advisors will address all your insurance queries
Please select advisors

Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.7
3931
605

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.9
1173
274

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1845
308

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1340
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1639
261

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1750
304

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1053
312

Edward, Lam Wing Chuen

林永泉

Convoy Senior Wealth Management Advisor

4.6
1557
263

Noble, Suen Chit Yuen

孫哲遠

AIA Associate Director, Wealth Management and Protection

4.4
1113
249

Liu Lai Ting

廖麗婷

FWD Senior Branch Manager

4.7
1399
208

We use cookies to give you the best possible experience on our website. By continuing to browse this site, you give consent for cookies to be used. For more details please read our Cookie Policy.