Hospital Cash Benefit Extended to Community Isolation Facilities! Free Telemedicine Included! Extra COVID-19 Benefits from Hong Kong Insurers (Updated April 2022)
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/ Existing3 | New/ Existing | Existing | |
Coverage Period | Per policy year | From 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:
|
- 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]
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