I want comprehensive medical protection

Transcription

1 medical protection I want comprehensive medical protection smart medical insurance

2 The comprehensive medical protection you need to achieve your plan in life Financial stability is vital if you and your loved ones are to achieve your plans in life. As illness can strike at any time and medical costs are increasing year by year, it s always wise to safeguard yourself against enormous medical expenses that can easily disrupt your plans. Providing you with comprehensive medical coverage, our Smart Medical Insurance ensures you will get the care you need while also protecting your finances. There are 2 different plans to match your unique needs Smart Medicare which offers you reimbursement protection of actual medical expenses up to age 100, and Smart Medimoney which provides you with daily allowance protection during hospitalisation until age 75. You may choose the plan(s) as stand-alone basic plan(s) or supplement(s) to other AXA basic plans. Smart Medicare Reimbursement protection of medical costs up to age 100 Providing you with reimbursement protection of actual medical expenses up to age 100, including in-hospital room and board, surgery, hospital expenses and out-patient surgery, etc., our Smart Medicare enables you to obtain the medical treatment of your choice. The plan also offers you the added peace of mind of coverage for intensive care, in-patient specialist, major illness treatment and medical negligence. Such wide-ranging protection ensures that you will immediately be able to enter a private hospital should illness strike. Please refer to the benefit schedule in this product brochure for quick reference. Choice of 4 different benefit levels to meet your unique needs Our Economy, Regular, Superior and Premier benefit levels allow you to choose precisely the level of cover that best suits your budget and personal needs. 1

3 Optional Supplementary Major Medical (SMM) Available as an optional top-up for Smart Medicare customers, our Supplementary Major Medical provides supplementary reimbursement for your actual hospital costs incurred in excess of those covered under Smart Medicare basic reimbursement plan. The optional plan offers 4 benefit levels, giving you choices of financial support to meet your needs. Please refer to the benefit schedule in this product brochure for quick reference. Cashless arrangement for selected surgeries For your convenience, you can opt to have selected surgeries including oesophagogastroduodenoscopy ( OGD ) or colonoscopy performed at our designated network clinics to save the hassle of settling medical expense, claiming for reimbursement or staying in a hospital. For further details, please refer to the terms and conditions in the related service leaflet. Enjoy a discount when you supplement your AXA basic plan You can enjoy a discount when Smart Medicare is attached as a supplement to your AXA basic plan. 1 Smart Medimoney Daily hospital cash benefits Smart Medimoney provides you with daily cash benefits for hospital stay of up to 1,000 days. These daily cash benefits will be doubled to give you extra financial flexibility should the insured be confined in intensive care unit. Please refer to the benefit schedule in this product brochure for quick reference. Choice of 4 different benefit levels to meet your unique needs Our Economy, Regular, Superior and Premier benefit levels allow you to choose daily cash benefits between HKD500 and HKD1,250 during your stay in hospital. Other benefits & services Guaranteed renewability You will enjoy guaranteed annual renewal of your Smart Medical Insurance, giving you added peace of mind. No claim discount ensures even better value You can enjoy a no claim discount 2 on your premium for staying healthy. If for the 3 consecutive years immediately prior to your policy renewal, (1) you are a customer of any benefit class of Smart Medicare, and / or Regular Class or above of Smart Medimoney (also in the year after the policy renewal), and (2) no benefit has been paid or is payable, a premium discount will be offered upon renewal of your policy. The discount is equal to 15% of your annual premium (before no claim discount, if any) of Smart Medical Insurance in the year immediately preceding the policy anniversary. AXA Assistance Program 3 As our valued customer, you will automatically be entitled to use the free international assistance service. In the event of an emergency during a business trip or holiday, you can simply contact the 24-hour worldwide alarm centres for help. Join our professional preventive care program You will also be eligible to enjoy a special rate on a wide range of professional healthcare preventive services. 2

4 Smart Medicare benefit schedule Protection Benefit (maximum benefit amount) Economy (HKD) Regular (HKD) Superior (HKD) Premier (HKD) Daily Room & Board (up to 120 days b ) 680/day 800/day 1,600/day 4,500/day Medical Practitioner s Visit in Hospital (up to 120 days) 650/day 750/day 1,500/day 4,500/day Intensive Care c ^(up to 15 days b ) *(up to 90 days b ) 2,200/day^ 2,200/day* 3,720/day* 7,000/day* In-patient Specialist s Fee 2,500 3,000 5,000 10,000 Hospitalisation (Per confinement a ) Miscellaneous Hospital Expense d (Dressings, drugs, etc.) Surgeon s Fee e Critical Major Super Major Major Intermediate Minor Investigative Procedure 6,000 10,000 20,000 35,000 40,000 20,000 15,000 7,500 3,000 3,000 45,000 33,750 22,500 11,250 4,500 4,500 80,000 60,000 40,000 20,000 8,000 8, , ,000 80,000 40,000 16,000 16,000 Anaesthetist s Fee Maximum 30% of Surgeon s Fee Maximum 35% of Surgeon s Fee Operating Theatre Maximum 30% of Surgeon s Fee Maximum 35% of Surgeon s Fee Major Illness Treatment (Per policy) Out-patient (Per disability) Radiotherapy & Chemotherapy for Cancer f 50,000 50, , ,000 Kidney Dialysis f 150, , , ,000 Out-patient Surgery Follows the above Surgeon s Fee e, Anaesthetist s Fee and Operating Theatre Emergency Out-patient Treatment for Accident d 2,000 5,000 5,000 22,000 Medical Negligence Medical Negligence (Total and permanent disablement or death) 60,000 60, , ,000 Life Death Benefit 15,000 15,000 20,000 30,000 3

5 Smart Medicare Supplementary Major Medical g benefit schedule (Optional) Protection Benefit (maximum benefit amount) Economy (HKD) Regular (HKD) Superior (HKD) Premier (HKD) Percentage of the hospital expenses (in excess of the benefit paid under Hospitalisation protection per confinement in the above table of Smart Medicare) after deducting the Deductible (if applicable), subject to the Maximum Benefit amount h 75% 80% 1. Maximum Benefit 105, , , ,000 Hospitalisation (Per confinement a ) 2. Deductible 8,000 Maximum Benefit will be subject to the following terms: 1. Daily Room & Board i (Starting from the 121 st day) 680/day 800/day 1,600/day 4,500/day 2. Medical Practitioner s Visit in Hospital i (Starting from the 121 st day) 650/day 750/day 1,500/day 4,500/day 3. Intensive Care i + (Starting from 16 th day) # (Starting from 91 st day) 2,200/day + 2,200/day # 3,720/day # 7,000/day # Smart Medimoney benefit schedule Protection Benefit (maximum benefit amount) Economy (HKD) Regular (HKD) Superior (HKD) Premier (HKD) Hospitalisation (Per confinement a ) Daily Benefit j (up to 1,000 days) ,000 1,250 Intensive Care Daily Benefit j (up to 120 days) 1,000 1,500 2,000 2,500 Life Death Benefit 10,000 15,000 20,000 30,000 a Confinements resulting from the same disability are treated as the same confinement unless the insured has been able to resume his normal activities in full without the need of medical attention for a period of at least 90 days between the 2 successive confinements. b The aggregate period of the Daily Room & Board benefit and Intensive Care benefit will not exceed 120 days per confinement. c In respect of a confinement, the period during which the Intensive Care benefit is payable will not exceed 15 days for Economy class or 90 days for other classes. In cases where the confinement is in a place other than North America, Europe, Australia, New Zealand, Japan, Singapore, Taiwan, Hong Kong or Macau, the amount payable under the Intensive Care benefit will not exceed the maximum amount of the Daily Room & Board benefit for any 1 day. d For each disability, the aggregate of the amount payable under Miscellaneous Hospital Expense benefit and Emergency Out-patient Treatment for Accident benefit will not exceed the maximum amount of the Miscellaneous Hospital Expense benefit. e Procedures are classified in accordance with the Schedule of Surgical Fees in the policy contract. If more than 1 procedure (whether in-hospital or out-patient surgery) is performed resulting from the same disability, only the largest benefit is payable. If more than 1 procedure is performed during a confinement resulting from different disabilities, the aggregate of all amounts payable will not exceed the maximum amount for Critical Major class of Surgeon s Fee. f Radiotherapy & Chemotherapy for Cancer benefit and Kidney Dialysis benefit will not be payable if treatment is provided in a place outside North America, Europe, Australia, New Zealand, Japan, Singapore, Taiwan, Hong Kong or Macau. g Extra premium is needed for the additional benefit. h Subject to the maximum benefit amount as stated in the Smart Medicare benefit schedule and Smart Medicare Supplementary Major Medical benefit schedule (Optional) in the relevant policy. i The Daily Room & Board benefit and Medical Practitioner s Visit in Hospital benefit will not be paid for the first 120 days of the confinement whilst Intensive Care benefit will not be paid for the first 15 days of the confinement for Economy class and first 90 days of the confinement for other classes. In cases where the confinement is in a place other than North America, Europe, Australia, New Zealand, Japan, Singapore, Taiwan, Hong Kong or Macau, the amount payable under the Intensive Care benefit will not exceed the maximum amount of the Daily Room & Board benefit for any 1 day. j A reduced benefit of HKD250 per day will be paid for hospital confinement in a place outside North America, Europe, Australia, New Zealand, Japan, Singapore, Taiwan, Hong Kong or Macau. The aggregate period of the Daily Benefit and Intensive Care Daily Benefit will not exceed 90 days per confinement resulting from mental illness and 1,000 days per confinement resulting from other disabilities. The amount of the Intensive Care Daily Benefit has already included the amount of Daily Benefit. 4

6 Smart Medical Insurance at a glance Smart Medicare Smart Medimoney Premium payment term Up to age 100 Up to age 75 Benefit period Up to age 100 Up to age 75 Issue age Age 0 65 Premium ~ Will be adjusted based on the insured s attained age Premiums are not guaranteed Benefit type Reimburse actual medical expenses 4 Provide daily cash benefits 4 ~ Please refer to Premium adjustment under the section Important information for details. 5

7 Important information Cooling-off period If you are not completely satisfied with the policy, you have the right to cancel it by returning the policy and giving written request. Such letter of request must be signed by you and received directly by our Customer Service at Suite 2001, 20/F, Tower Two, Times Square, 1 Matheson Street, Causeway Bay, Hong Kong within 21 days after the delivery of the policy or issue of the notice (informing about the availability of the policy and the expiry date of the cooling-off period) to you or your representative, whichever is earlier. The policy will then be cancelled and a refund of any premium(s) paid will be returned to you on the condition that no claim has been admitted. Policy currency If your policy is denominated in a currency other than your local currency, you may face an exchange rate risk. Upon currency conversion, the amounts you receive and the premiums you pay may vary as a result of changes in exchange rate. Premium adjustment The initial premium is based on the age of the insured at the time of policy issuance and other factors including but not limited to gender and risk class of the insured and the benefit level of your policy. Premiums are not guaranteed and may be changed by the Company at any of the policy anniversaries. The premium may be adjusted on each policy anniversary based on factors including but not limited to the attained age of the insured, medical trend and the Company s claims experience. Non-payment of premium You should pay premiums for the whole of your premium payment term. Any premiums remaining outstanding at the end of the grace period (i.e. 31 days after premium due date) may lead to termination of your policy. You may lose the insurance protection offered by the policy. Inflation Medical costs in the future are likely to be higher than they are today due to inflation. In that case, the Company may revise the benefit coverage and future premiums from time to time, such that the adequacy of coverage under the plan can be maintained. Termination When the plan is issued as a basic plan, it will automatically terminate upon the earliest occurrence of any of the following: (a) on the policy anniversary on or immediately following the insured s 100 th birthday in respect of Smart Medicare; or (b) on the policy anniversary on or immediately following the insured s 75 th birthday in respect of Smart Medimoney. When the plan is issued as a supplement, it will automatically terminate upon the earliest occurrence of any of the following: (a) on the policy anniversary on or immediately following the insured s 100 th birthday in respect of Smart Medicare; or (b) on the policy anniversary on or immediately following the insured s 75 th birthday in respect of Smart Medimoney; or (c) if the basic plan to which the supplement is attached terminates or an option on non-payment takes effect. Key exclusions (a) No benefit (other than the Death Benefit) is payable for or as a result of the following: covered sickness which is contracted and commences within 30 days following the policy date or within 10 days following any date of reinstatement, whichever is later; or pregnancy, childbirth or miscarriage, sterilisation or infertility and any related treatment or treatment of congenital anomalies; or any drug or alcohol abuse; or any self-inflicted injury or suicide, whether sane or insane; or cosmetic surgery, eye glasses, corrective aids and treatment of refractive errors or any optional surgery; or dental care or surgery unless resulting (directly and independently of all other causes) from a covered injury (excluding denture and related expenses); or general check-up, convalescence, custodial or rest care; or 6

8 treatment or surgery for tonsils, adenoids, hernia or a disease peculiar to the female generative organs unless the insured has been continuously covered under the Smart Medical Insurance for a period of 120 days from the policy date or any date of reinstatement, whichever is later; or circumcision before attaining the age of 12; or disease or infection with any human immunodeficiency virus (HIV) and / or any HIV-related illness including Acquired Immune Deficiency Syndrome (AIDS) and / or any mutations, derivations or variations thereof; or any attempt or commission of assault or unlawful act by the insured; or any act due to war, declared or not, military, naval or air service for any country at war, declared or not; or any confinement, treatment, procedure, supplies or other medical services which are not medically necessary; or any charges exceeding the reasonable and customary charges; or pre-existing conditions or recurrence of chronic pre-existing conditions prior to the policy date or any date of reinstatement, whichever is later. (b) Radiotherapy & Chemotherapy for Cancer benefit is not payable if: the cancer occurs within 60 days following the policy date or any date of reinstatement, whichever is later; or treatment of Radiotherapy or Chemotherapy is not provided in a hospital or a cancer treatment clinic in North America, Europe, Australia, New Zealand, Singapore, Taiwan, Hong Kong or Macau. (c) Kidney Dialysis benefit is not payable if: the chronic and irreversible kidney failure occurs within 60 days following the policy date or any date of reinstatement, whichever is later; or regular haemodialysis or peritoneal dialysis is not provided in a hospital or a kidney dialysis clinic in North America, Europe, Australia, New Zealand, Japan, Singapore, Taiwan, Hong Kong or Macau. (d) Medical Negligence benefit is not payable if the incidence occurs in a place outside Hong Kong or Macau. (e) Death Benefit is not payable if the insured commits suicide within 1 year from the policy date or any date of reinstatement, whichever is later, whether sane or insane. Rights of third parties The policy is excluded from the application of the Contracts (Rights of Third Parties) Ordinance (Cap 623 of the Laws of Hong Kong) ( TP Ordinance ). Any person or entity which is not a party to the policy shall have no rights under the TP Ordinance to enforce any terms of the policy. 7

9 Remarks 1. When Smart Medicare is attached to a basic plan, premiums will be reduced by HKD If a benefit in respect of any previous year becomes payable under any plan of the policy after a no claim discount has been given, the no claim discount given will be deducted from the benefit payable. 3. The services under the AXA Assistance Program is provided to clients who have an individual medical insurance plan coverage with AXA China Region Insurance Company Limited or AXA China Region Insurance Company (Bermuda) Limited. The provision of services are subject to the terms and conditions of the AXA Assistance Program. AXA reserves the right to amend the terms and conditions thereof from time to time without prior notice. 4. Subject to the maximum benefit amount as stated in the Smart Medicare Benefit Schedule and Smart Medicare Supplementary Major Medical Benefit Schedule (Optional) / Smart Medimoney Benefit Schedule in the relevant policy. Notes: Unless otherwise specified, all ages mentioned in this product brochure refer to the age of the insured on his or her last birthday. Only Hong Kong dollar is available for plans issued as basic plans. Hong Kong dollar and US dollar are available for plans issued as supplements. Please contact your financial consultant for details. The Company reserves the right to revise the benefits and reclassify the procedures in the Schedule of Surgical Fees in the policy contract on any policy anniversary. All types of waiver of premium supplements do not apply to Smart Medical Insurance. Smart Medical Insurance is underwritten by AXA China Region Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) / AXA China Region Insurance Company Limited (collectively AXA, the Company, or we ). The plan is subject to the terms, conditions and exclusions of the relevant policy contract. AXA reserves the final right to approve any application. This product brochure contains general information only and does not constitute any contract between any parties and AXA. It is not a policy. For detailed terms, conditions and exclusions of the plan, please refer to the relevant policy contract, which will be made available by the Company upon request. ABOUT AXA HONG KONG AXA Hong Kong, a member of the AXA Group, prides itself of serving over 1 million customers 1 in Hong Kong and Macau. Besides being one of the largest health protection providers in Hong Kong, it is also the number 1 General Insurance provider 2 and a market leader in motor insurance. AXA Hong Kong is committed to the on-going development and enhancement of our life & savings, health, property & casualty, wealth management and retirement solutions in order to satisfy the different needs of our individual and corporate customers. We believe it is our inherent responsibility to support the communities we operate in, hence creating a sustainable business via constant and considerable contribution in the dimensions of health, environment and the community. AXA China Region Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) AXA China Region Insurance Company Limited Tel: (852) Fax: (852) Website: 1 Including customers of AXA China Region Insurance Company Limited, AXA China Region Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) and AXA General Insurance Hong Kong Limited 2 Based on 2015 Office of the Commissioner of Insurance market share statistics represented by overall gross premiums If you do not wish to receive promotional or direct marketing materials from AXA, please inform Data Privacy Officer, AXA China Region Insurance Company (Bermuda) Limited / AXA China Region Insurance Company Limited, Suite 2001, 20/F, Tower Two, Times Square, 1 Matheson Street, Causeway Bay, Hong Kong. AXA shall, without charge to you, ensure that you are not included in future direct marketing activities. (Only for use in Hong Kong Special Administrative Region) May 2017

10 Smart Medical Insurance Smart Medicare Annual Premium Table (HKD) Renewal Annual Premium Table (HKD) 0 2,286 1,960 2,869 2,497 6,056 5,273 11,881 10, ,286 1,960 2,869 2,497 6,056 5,273 11,881 10, ,286 1,960 2,869 2,497 6,056 5,273 11,881 10, ,286 1,960 2,869 2,497 6,056 5,273 11,881 10, ,286 1,960 2,869 2,497 6,056 5,273 11,881 10, ,035 1,392 1,754 1,901 3,338 4,022 6,562 7, ,040 1,399 1,754 1,901 3,338 4,022 6,562 7, ,046 1,409 1,754 1,901 3,338 4,022 6,562 7, ,051 1,420 1,754 1,901 3,338 4,022 6,562 7, ,068 1,426 1,754 1,816 3,338 3,844 6,562 7, ,083 1,431 1,704 1,816 3,244 3,844 6,382 7, ,099 1,440 1,509 1,816 3,255 3,844 6,440 7, ,115 1,444 1,530 1,816 3,271 3,844 6,498 7, ,131 1,450 1,550 1,816 3,297 3,844 6,555 7, ,145 1,479 1,572 1,816 3,332 3,844 6,611 7, ,187 1,533 1,600 1,826 3,391 3,865 6,670 7, ,227 1,589 1,628 1,846 3,451 3,908 6,781 7, ,267 1,641 1,655 1,886 3,509 3,992 6,892 7, ,305 1,696 1,683 1,929 3,567 4,081 7,005 8, ,322 1,728 1,711 1,973 3,626 4,173 7,116 8, ,337 1,757 1,739 2,025 3,685 4,285 7,227 8, ,354 1,789 1,767 2,079 3,742 4,396 7,339 8, ,369 1,820 1,796 2,132 3,800 4,507 7,449 8, ,385 1,849 1,822 2,186 3,858 4,620 7,561 9, ,405 1,899 1,850 2,240 3,919 4,733 7,673 9, ,426 1,951 1,893 2,301 4,002 4,857 7,786 9, ,446 1,998 1,931 2,374 4,085 5,011 7,902 9, ,467 2,050 1,971 2,453 4,169 5,178 8,015 10, ,487 2,100 2,012 2,534 4,253 5,348 8,128 10, ,537 2,197 2,054 2,627 4,343 5,543 8,293 10, ,618 2,318 2,137 2,752 4,519 5,804 8,657 11, ,671 2,415 2,185 2,855 4,620 6,020 8,905 11, ,724 2,514 2,235 2,963 4,723 6,244 9,155 12, ,778 2,615 2,285 3,070 4,830 6,468 9,412 12, ,847 2,714 2,340 3,178 4,943 6,696 9,669 13, ,920 2,819 2,397 3,291 5,061 6,929 9,927 13, ,992 2,919 2,458 3,399 5,188 7,155 10,190 14, ,061 3,019 2,529 3,509 5,339 7,382 10,476 14, ,136 3,118 2,607 3,617 5,499 7,613 10,789 14, ,243 3,212 2,683 3,724 5,660 7,842 11,105 15, ,442 3,428 2,864 3,980 6,042 8,379 11,856 16, ,560 3,529 2,950 4,092 6,229 8,618 12,220 16, ,677 3,627 3,072 4,210 6,483 8,860 12,715 17, ,795 3,724 3,212 4,325 6,776 9,105 13,290 17, ,918 3,949 3,353 4,445 7,070 9,356 13,867 18, ,049 4,179 3,497 4,572 7,369 9,618 14,443 18, ,174 4,406 3,640 4,697 7,668 9,881 15,031 19, ,301 4,633 3,785 4,822 7,974 10,145 15,629 19, ,432 4,858 3,943 4,950 8,305 10,410 16,270 20, ,570 4,927 4,113 5,076 8,635 10,676 16,966 20, ,713 4,996 4,289 5,204 8,971 10,942 17,673 21, ,858 5,065 4,488 5,332 9,311 11,212 18,385 21, ,004 5,136 4,710 5,463 9,712 11,483 19,105 22, ,153 5,209 4,960 5,593 10,169 11,756 19,830 23, ,469 5,411 5,229 5,722 10,696 12,029 20,887 23, ,793 5,614 5,514 5,932 11,356 12,464 22,007 24, ,116 5,818 5,808 6,146 12,034 12,913 23,181 25, ,443 6,024 6,116 6,365 12,723 13,368 24,401 26, ,772 6,231 6,428 6,583 13,413 13,828 25,632 27, ,106 6,506 6,737 6,872 14,102 14,435 26,886 28, ,445 6,780 7,077 7,192 14,792 15,104 28,183 29, ,788 7,056 7,461 7,757 15,486 15,804 29,509 31, ,133 7,338 7,905 8,018 16,179 16,623 30,842 32, ,486 7,620 8,420 8,413 16,875 17,485 32,254 34, ,840 8,034 8,982 8,837 17,653 18,363 33,695 36, ,199 8,448 9,575 9,305 18,486 19,336 35,266 38, ,563 8,868 10,000 9,767 19,269 20,276 36,726 40, ,933 9,288 10,432 10,231 20,057 21,223 38,193 41, ,306 9,712 10,866 10,699 20,851 22,170 39,671 43, ,725 10,331 11,354 11,381 21,746 23,571 41,345 46, ,147 10,953 11,848 12,063 22,649 24,973 43,026 49, ,574 11,577 12,348 12,752 23,555 26,381 44,716 51, ,007 12,204 12,851 13,441 24,469 27,790 46,413 54, ,544 12,927 13,480 14,239 25,529 29,340 48,311 57, ,053 13,607 14,072 14,988 26,544 30,825 50,151 60, ,075 13,634 14,100 15,020 26,599 30,889 50,250 60, ,100 13,663 14,126 15,048 26,652 30,950 50,350 60, ,123 13,689 14,154 15,079 26,704 31,013 50,450 60, ,148 13,717 14,181 15,109 26,759 31,074 50,548 61, ,171 13,745 14,210 15,140 26,811 31,136 50,652 61, ,219 13,798 14,266 15,200 26,918 31,260 50,853 61, ,268 13,855 14,322 15,261 27,025 31,385 51,058 61, ,315 13,909 14,379 15,321 27,134 31,510 51,260 61, ,363 13,966 14,437 15,382 27,242 31,634 51,466 62, ,412 14,020 14,490 15,444 27,349 31,761 51,672 62, ,461 14,074 14,548 15,504 27,459 31,886 51,877 62, ,511 14,131 14,607 15,564 27,568 32,014 52,083 62, ,560 14,186 14,666 15,627 27,677 32,142 52,291 63, ,612 14,245 14,724 15,688 27,787 32,268 52,500 63, ,661 14,301 14,781 15,751 27,898 32,397 52,711 63, ,724 14,372 14,854 15,830 28,037 32,559 52,972 63, ,787 14,443 14,929 15,909 28,177 32,720 53,237 64, ,850 14,515 15,003 15,988 28,317 32,884 53,504 64, ,912 14,586 15,077 16,066 28,458 33,047 53,768 64, ,979 14,660 15,152 16,145 28,601 33,211 54,038 65, ,043 14,731 15,228 16,226 28,744 33,377 54,306 65, ,107 14,805 15,304 16,306 28,886 33,543 54,577 65, ,171 14,876 15,379 16,385 29,030 33,709 54,852 66, ,237 14,952 15,453 16,467 29,173 33,879 55,124 66, ,303 15,026 15,529 16,549 29,318 34,048 55,398 66,873 Smart Medicare (with SMM) Annual Premium Table (HKD) 0 3,086 2,689 3,739 3,273 7,884 6,903 15,486 13, ,086 2,689 3,739 3,273 7,884 6,903 15,486 13, ,086 2,689 3,739 3,273 7,884 6,903 15,486 13, ,086 2,689 3,739 3,273 7,884 6,903 15,486 13, ,086 2,689 3,739 3,273 7,884 6,903 15,486 13, ,452 1,918 2,571 2,739 4,872 5,635 9,194 11, ,460 1,931 2,571 2,739 4,872 5,635 9,194 11, ,468 1,946 2,571 2,739 4,872 5,635 9,270 11, ,477 1,959 2,571 2,653 4,890 5,635 9,345 10, ,500 1,966 2,571 2,544 4,912 5,410 9,473 10, ,522 1,975 2,524 2,527 4,937 5,105 9,607 10, ,543 1,985 2,528 2,509 4,968 5,136 9,734 10, ,568 1,993 2,528 2,492 4,998 5,166 9,861 10, ,588 1,999 2,527 2,486 5,036 5,212 9,988 10, ,610 2,038 2,527 2,503 5,075 5,274 10,116 10, ,667 2,113 2,527 2,528 5,121 5,340 10,245 10, ,722 2,187 2,526 2,571 5,175 5,430 10,370 10, ,778 2,262 2,526 2,626 5,281 5,546 10,497 10, ,834 2,340 2,524 2,688 5,390 5,679 10,626 11, ,856 2,381 2,607 2,755 5,496 5,819 10,776 11, ,877 2,424 2,656 2,844 5,605 6,003 10,939 11, ,902 2,465 2,706 2,958 5,715 6,197 11,120 12, ,922 2,508 2,757 3,051 5,823 6,399 11,313 12, ,945 2,552 2,808 3,156 5,932 6,609 11,516 12, ,972 2,616 2,859 3,252 6,038 6,824 11,724 13, ,001 2,687 2,914 3,343 6,149 7,046 11,942 13, ,031 2,754 2,965 3,455 6,256 7,273 12,166 14, ,057 2,823 3,020 3,568 6,366 7,513 12,399 14, ,086 2,891 3,078 3,686 6,477 7,760 12,636 15, ,159 3,027 3,136 3,802 6,588 8,007 12,890 15, ,311 3,250 3,311 4,029 6,951 8,487 13,655 16, ,388 3,389 3,374 4,152 7,079 8,745 13,948 17, ,463 3,529 3,439 4,276 7,229 9,005 14,242 17, ,541 3,668 3,504 4,402 7,389 9,269 14,534 18, ,639 3,810 3,583 4,528 7,555 9,536 14,844 18, ,745 3,952 3,669 4,662 7,732 9,809 15,191 19, ,847 4,094 3,756 4,792 7,916 10,084 15,549 19, ,947 4,233 3,864 4,925 8,145 10,359 15,997 20, ,048 4,374 3,981 5,059 8,391 10,642 16,478 20, ,205 4,505 4,100 5,194 8,641 10,924 16,966 21, ,486 4,807 4,375 5,530 9,218 11,633 18,101 22, ,653 4,945 4,486 5,680 9,479 11,947 18,616 23, ,821 5,081 4,639 5,837 9,770 12,273 19,185 24, ,990 5,218 4,825 5,995 10,163 12,606 19,952 24, ,166 5,531 5,028 6,159 10,585 12,950 20,753 25, ,349 5,854 5,243 6,337 11,032 13,316 21,576 26, ,530 6,172 5,457 6,525 11,482 13,713 22,426 26, ,711 6,488 5,681 6,729 11,933 14,142 23,308 27, ,895 6,808 5,928 6,943 12,393 14,584 24,189 28, ,092 6,902 6,196 7,159 12,850 15,036 25,153 29, ,296 6,998 6,493 7,378 13,324 15,496 26,114 30, ,500 7,097 6,780 7,600 13,801 15,962 27,074 31, ,709 7,193 7,096 7,825 14,284 16,435 28,037 32, ,923 7,296 7,450 8,070 14,764 16,948 29,047 33, ,373 7,580 7,829 8,335 15,634 17,504 30,654 34, ,835 7,865 8,227 8,705 16,542 18,276 32,408 35, ,294 8,147 8,631 9,107 17,453 19,075 34,183 37, ,759 8,435 9,053 9,493 18,428 19,892 35,970 39, ,231 8,727 9,490 9,876 19,410 20,715 37,760 40, ,708 9,112 9,919 10,369 20,394 21,538 39,557 42, ,187 9,496 10,399 10,918 21,379 22,365 41,370 44, ,676 9,884 10,803 11,584 22,404 23,196 43,215 46, ,171 10,277 11,278 12,003 23,429 24,025 45,074 48, ,674 10,672 11,976 12,604 24,495 24,864 46,967 50, ,178 11,252 12,911 13,227 25,594 26,051 49,377 52, ,691 11,832 14,149 13,913 26,693 27,249 52,600 55,118

11 Renewal Annual Premium Table (HKD) 66 12,211 12,418 14,777 14,602 27,822 28,574 54,781 57, ,736 13,006 15,410 15,296 28,960 29,909 56,973 60, ,269 13,602 16,059 15,994 30,106 31,245 59,176 63, ,863 14,466 16,775 17,013 31,402 33,218 61,671 67, ,468 15,339 17,507 18,036 32,701 35,194 64,177 71, ,078 16,213 18,242 19,064 34,012 37,176 66,698 74, ,695 17,092 18,989 20,095 35,331 39,166 69,229 78, ,459 18,106 19,914 21,287 36,861 41,350 72,057 83, ,184 19,055 20,791 22,402 38,328 43,443 74,805 87, ,218 19,093 20,834 22,448 38,403 43,528 74,952 87, ,252 19,132 20,873 22,493 38,482 43,616 75,104 87, ,288 19,170 20,917 22,536 38,556 43,704 75,256 87, ,322 19,208 20,955 22,582 38,634 43,790 75,404 88, ,356 19,246 21,000 22,629 38,713 43,878 75,554 88, ,424 19,323 21,084 22,716 38,865 44,053 75,855 88, ,494 19,399 21,163 22,808 39,022 44,230 76,159 88, ,563 19,475 21,249 22,896 39,177 44,406 76,463 89, ,633 19,553 21,335 22,988 39,331 44,584 76,767 89, ,705 19,631 21,417 23,081 39,489 44,762 77,074 89, ,774 19,708 21,504 23,171 39,646 44,939 77,382 90, ,844 19,786 21,589 23,264 39,807 45,119 77,691 90, ,915 19,866 21,675 23,355 39,965 45,299 78,000 91, ,986 19,945 21,764 23,447 40,124 45,478 78,313 91, ,059 20,024 21,847 23,541 40,284 45,660 78,625 91, ,148 20,125 21,958 23,657 40,486 45,890 79,018 92, ,239 20,226 22,065 23,778 40,687 46,118 79,413 92, ,328 20,325 22,174 23,896 40,889 46,348 79,810 93, ,421 20,426 22,286 24,013 41,095 46,578 80,206 93, ,511 20,528 22,397 24,132 41,298 46,810 80,610 94, ,604 20,630 22,507 24,254 41,504 47,044 81,011 94, ,696 20,731 22,622 24,373 41,711 47,277 81,414 95, ,789 20,834 22,733 24,493 41,919 47,514 81,822 95, ,883 20,938 22,846 24,616 42,127 47,752 82,228 95, ,976 21,041 22,956 24,737 42,338 47,988 82,638 96,464 Smart Medimoney Annual Premium Table (HKD) ,173 1,019 1,597 1,388 2,005 1, ,173 1,019 1,597 1,388 2,005 1, ,173 1,019 1,597 1,388 2,005 1, ,173 1,019 1,597 1,388 2,005 1, ,173 1,019 1,597 1,388 2,005 1, , , , , ,141 1, ,146 1, ,152 1, ,158 1, ,163 1, ,168 1, ,173 1, ,178 1, ,009 1,182 1, ,035 1,186 1, ,061 1,195 1, ,086 1,204 1, ,113 1,213 1, ,139 1,222 1, ,165 1,231 1, ,192 1,245 1, ,006 1,219 1,259 1, ,017 1,246 1,274 1, ,029 1,273 1,289 1, ,042 1,301 1,304 1, ,050 1,329 1,315 1, ,000 1,059 1,357 1,325 1, ,021 1,069 1,386 1,337 1, ,043 1,079 1,415 1,349 1, ,065 1,089 1,444 1,362 1, ,083 1,109 1,468 1,386 1, ,102 1,129 1,493 1,410 1, ,120 1,149 1,518 1,435 1, ,139 1,171 1,542 1,462 1, ,157 1,193 1,567 1,489 1, ,174 1,275 1,589 1,590 2, ,008 1,191 1,357 1,611 1,693 2, ,071 1,207 1,441 1,633 1,797 2, ,135 1,225 1,526 1,655 1,903 2, ,200 1,242 1,613 1,678 2,010 2, ,251 1,293 1,679 1,747 2,092 2, ,302 1,344 1,747 1,816 2,175 2, ,356 1,396 1,817 1,885 2,261 2, ,412 1,449 1,889 1,957 2,350 2, ,470 1,503 1,965 2,029 2,442 2, ,005 1,576 1,642 2,105 2,216 2,616 2, ,031 1,091 1,685 1,781 2,248 2,404 2,792 3, ,100 1,177 1,796 1,923 2,395 2,595 2,973 3, ,171 1,265 1,912 2,066 2,547 2,788 3,160 3, ,244 1,354 2,032 2,212 2,703 2,983 3,351 3, ,314 1,467 2,146 2,396 2,852 3,231 3,533 4, ,387 1,581 2,265 2,582 3,005 3,482 3,720 4, ,462 1,697 2,388 2,771 3,163 3,735 3,912 4, ,540 1,815 2,516 2,964 3,327 3,993 4,112 5, ,622 1,935 2,649 3,160 3,497 4,255 4,318 5, ,715 1,999 2,801 3,266 3,693 4,392 4,556 5, ,811 2,066 2,959 3,374 3,894 4,533 4,800 5, ,911 2,135 3,122 3,487 4,102 4,679 5,051 5, ,014 2,207 3,290 3,604 4,316 4,830 5,310 6, ,120 2,281 3,463 3,726 4,536 4,987 5,575 6, ,248 2,393 3,673 3,908 4,804 5,225 5,900 6, ,380 2,507 3,887 4,095 5,078 5,468 6,233 6,835 Renewal Annual Premium Table (HKD) 66 2,515 2,624 4,108 4,286 5,358 5,716 6,572 7, ,653 2,744 4,333 4,483 5,645 5,970 6,918 7, ,794 2,868 4,565 4,684 5,938 6,231 7,272 7, ,968 3,051 4,848 4,984 6,301 6,624 7,713 8, ,144 3,238 5,136 5,289 6,670 7,023 8,160 8, ,324 3,428 5,430 5,599 7,045 7,428 8,615 9, ,507 3,620 5,729 5,914 7,426 7,839 9,077 9, ,770 3,913 6,158 6,391 7,958 8,437 9,710 10, ,010 4,159 6,550 6,794 8,448 8,949 10,295 11,101 Note: When Smart Medicare is attached to a basic plan, premiums will be reduced by HKD100.

12 Tel : (852) Fax : (852) Website: LPPM E May 2017