vip worldwide medicare - yf life · 2020. 4. 8. · vip worldwide medicare...

｜醫療 Medical ｜

VIP環球醫療保VIP Worldwide MediCare

VWM

資本卓越銀行及金融大奬 2012-2019

資本卓越保險服務大奬《iMONEY 智富雜誌》優秀保險企業大獎2019

最佳醫療保障

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保障遍全球關護您未來Own your future with peace of mind – wherever you are

卓越的您追求優質生活，自然注重生活上的每個範疇。VIP環球醫療保提供最全面的環球優質醫療方案，隨時應您所需，讓您可即時獲得全面及個人化的醫療服務。無論何時何地，您亦可安心自若，只因「健康」已掌握在您手。You appreciate the finer things in life and attach great importance to quality. VIP Worldwide MediCare is a highly comprehensive worldwide medical solution that focuses on and commits to excellence in every respect, ensuring that you receive world-class medical treatment in a timely and discreet manner just when you need it most. Wherever you go, you can have absolute peace of mind because you’ll know that your health and wellbeing are being taken care of.

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VIP環球醫療保VIP Worldwide MediCare

■ 緊急醫療護送服務及護送隨行未成年子女回國等

Emergency evacuation and return of unattended dependent children to country of residence, etc.

全球緊急醫療援助服務Worldwide Emergency Assistance Benefits

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■ 4款選擇：每年 0 / 15,000 / 30,000 / 60,000 港元/澳門元

4 Options: HK$/MOP 0 / 15,000 / 30,000 / 60,000

設每年墊底費配合預算Annual Deductible for Flexible Budgeting

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■ 最高可達10% Up to 10%

無索償獎賞No Claim Bonus6

私人醫療禮賓服務MediCare Concierge Services

VIP

■ 國際專業醫療網絡 MediNet Pro

■ 國內就醫貴賓通道服務 PRC MediCare VIP Passage Service

■ 海外就醫貴賓服務 Travel for Treatment VIP Services

■ 延伸家庭保障 Extended Family Protection

■ 適用於標準私家病房 Applicable to standard private room

1全面醫療保障高達$70,000,000Full Medical Coverage up to $70,000,000

■ 非手術癌症治療、洗腎、物理治療及手術後家中看護等

Non-surgical cancer treatments, Renal dialysis, Physiotherapy and Post-surgery home nursing, etc.

2一系列更強保障Full Range of Extended Coverage

■ 終身保障至100歲 Whole life protection up to age 100

3保證終身續保Guaranteed Renewals for Life

■ 為您繳付醫院賬單，讓您安心靜養 We will settle the qualifying medical expenses

directly with the hospital, giving you total peace of mind as you recover

4出院免找數服務Cashless Hospitalization Service

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VIP環球醫療保為您提供標準私家病房的優質醫療保障，全數賠償因患病或意外受傷而需入院治療的各項主要住院費用及手術費用，終身保障額高達70,000,000港元/澳門元。

全面醫療保障高達$70,000,000Full Coverage up to $70,000,0001

VIP Worldwide MediCare provides quality medical services in standard private room with full reimbursement of the major hospitalization and surgical expenses incurred due to illness or accident. Under the plan, you can enjoy lifetime cover of up to HK$ / MOP70,000,000.

計劃更提供多項入院前及出院後的延伸保障，於康復路上為您提供更強照顧：

■ 非手術癌症治療：化療、電療、標靶治療、荷爾蒙治療、免疫治療及質子重離子治療

■ 洗腎 ■ 輔助治療：物理治療、言語治療、脊骨神經

治療、職業治療及中醫治療 ■ 手術後家中看護 ■ 入院前及出院後門診

一系列更強保障Full Range of Extended Coverage2

The plan offers a wide range of extended pre- and post- hospitalization benefits, providing you with enhanced protection throughout your recovery journey:

■ Non-surgical cancer treatments: Chemotherapy, Radiotherapy, Target Therapy, Hormonal Therapy, Immunotherapy and Proton Beam Therapy

■ Renal dialysis

■ Ancillary treatments: physiotherapy, speech therapy, chiropractic treatment, occupational therapy and Chinese medical treatment

■ Post-surgery home nursing

■ Pre- and post- hospitalization outpatient treatment

無論您的健康狀況或索償紀錄如何，VIP環球醫療保為您提供每年續保保證，保障年期最長可達至受保人100歲，讓您無後顧之憂。續期保費會於每年續期時根據受保人當時實際年齡及當時同類保障級別的保費率計算。

保證終身續保Guaranteed Renewals for Life3

VIP Worldwide MediCare guarantees annual renewal up to age 100 regardless of your health condition or claim records, allowing you to enjoy total peace of mind. Renewal premium will be adjusted based on the Insured’s attained age and to the premium rate in effect for the same level of benefit at the time of policy renewal.

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只須於入院前填妥表格並獲得預先批核1，我們便會直接向醫院為您繳付住院期間合資格的醫療開支。出院免找數服務全球適用，除全港的私家醫院外，亦包括世界各地大部分的私家醫院；無論您身在何處，均可讓您安心接受治療，毋須為繳費及索償程序而操心。

本計劃為您提供「全球緊急醫療援助服務」，一旦遇上緊急事故需要援助時，受保人便可透過國際救援（亞洲）公司獲得即時的支援，包括緊急醫療護送服務及護送隨行未成年子女回國等。

出院免找數服務Cashless Hospitalization Service

全球緊急醫療援助服務Worldwide Emergency Assistance Benefits

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All you need is to complete an application form to obtain our prior approval for cashless arrangement1 before being admitted to the hospital. This service is applicable worldwide, covering all the private hospitals in Hong Kong and most private hospitals in the rest of the world. We will settle the qualifying medical expenses directly with the hospital, giving you total peace of mind with no hassle over paying hospital bills and making subsequent claims.

The plan offers free “Worldwide Emergency Assistance Benefits” in the event of an emergency. Instant assistance, including emergency evacuation and return of unattended dependent children to country of residence, is made available through Inter Partner Assistance Hong Kong Ltd (IPA).

只要在續保時保單已於本公司從不間斷地連續生效達三個保單年或以上，以及期間並無就基本計劃有任何索償紀錄，於支付續期保費時，即可獲享無索償獎賞折扣優惠，優惠金額會按上一個保單年基本計劃的「每年保費」的百分比計算，最高可達10%。

無索償獎賞No Claim Bonus6

Provided that the policy has been in force for at least three consecutive policy years and no claims were made under the Basic Plan, you will be entitled to a No Claim Bonus discount upon paying the renewal policy premium. The discount is based on a percentage of the annual premium of the Basic Plan for the preceding year, up to a maximum of 10%.

連續生效及無索償保單年期Consecutive years of policy in force

and without claims

無索償獎賞折扣率No Claim Bonus Rate

3 3%

4 6%

≥5 10%

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私人醫療禮賓服務MediCare Concierge ServicesVIP

VIP環球醫療保更為您送上私人醫療禮賓服務，在您需要時，為您提供一系列優質的醫療建議及貼心的貴賓服務。

VIP Worldwide MediCare proudly presents our prestige customers with MediCare Concierge Services, giving you access to a range of professional medical advice and quality concierge services in your moment of need.

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國際專業醫療網絡 ■ 透過國際專業醫療網絡，聯繫了4,000多間

美國醫院，讓受保人獲得： 1) 由美國專科醫生提供第二醫療意見； 2) 轉介赴美就醫，並協助您獲取更相宜價格

國內就醫貴賓通道服務 ■ 若需要於國內就醫，可使用貴賓通道，優先預

約及使用網絡內指定醫院（包括三甲醫院）的醫療設施，無須長時間輪候

海外就醫貴賓服務 ■ 本服務更提供細心周到的海外醫療旅程協

助，包括提供醫院及醫療設施的選擇及建議，協助申請簽證、預訂機票及酒店等

延伸家庭保障我們深明住院期間難免會為家人生活造成影響，所以為您提供延伸家庭保障，於住院期間，協助您照顧家人，並支付相關費用：

■ 安排一名家庭傭工處理日常家務、煮食及洗衣等工作

■ 安排一名保姆照顧無人照料的12歲以下幼兒（最多兩名幼兒）

■ 安排一名保健人員照顧受保人65歲以上患病或受傷的父母

■ 安排一名助理人員陪同受保人出院，並安排交通送回住所

MediNet Pro ■ The following services are available at more than 4,000 US

hospitals within the MediNet Pro network: 1) second medical opinion provided by US medical specialists; and 2) quality treatment referrals in the USA, and assistance in

obtaining the competitive pricing

PRC MediCare VIP Passage Service ■ If the Insured needs to seek medical treatment in China, VIP

Passage allows prior booking and access to medical services offered by designated hospitals (including Grade 3A hospitals) within the network, without a long waiting period

Travel for Treatment VIP Services ■ A full range of VIP services for overseas treatment is also provided,

including advice on hospital selection, choice of best medical facilities, visa application, and assistance in reservation of air tickets and hotel accommodation, etc.

Extended Family ProtectionWe understand that your hospitalization will inevitably affect your family. Through Extended Family Protection, we will assist you in taking care of your family and paying the relevant fees:

■ Arrange a home-helper to take care of house keeping, cooking and clothes washing, etc.

■ Arrange a child-carer to take care of unattended children aged below 12 (up to 2 children)

■ Arrange a health worker to take care of the Insured’s parent(s) over the age of 65 if suffering from illness or injury

■ Arrange escort personnel to handle hospital discharge, and arrange transportation to the Insured’s home

註：

i. 私人醫療禮賓服務現時由國際救援（亞洲）公司提供，客戶可致電國際救援（亞洲)公司熱線（香港：(852) 2862 0101/ 中國：（免費撥打）4001899784）以預約服務。本公司對於第三方服務提供者所提供的服務質素，概不負責。除特別聲明外，受保人需自行支付所有的醫療費用及其他相關費用。

ii. 國際專業醫療網絡所提供的服務由國際救援（亞洲）公司提供。現時，每次徵詢第二醫療意見的費用為500港元，而轉介手續費為500美元，受保人需自付所有就醫的行政費及其他有關費用。國際救援（亞洲）公司保留調整收費及醫院數目的權利，有關的更改將不作另行通知。

iii. 海外就醫貴賓服務只適用於受保人患有指定嚴重疾病及在要求的情況下提供。

iv. 延伸家庭保障只適用於受保人因傷病住院不少於連續72小時。服務只適用於香港，按每症計算，每項服務以8小時為限（每次最少為連續4小時），惟陪同出院服務則以連續5小時為限。

Note:

i. MediCare Concierge Services are provided by Inter Partner Assistance Hong Kong Ltd (IPA). Customers may reserve services via these IPA hotlines: Hong Kong (852) 2862 0101 / China (toll free) 4001899784. The Company is not liable for the quality of services provided by any third-party service provider. The Insured is responsible for paying the medical treatment and other related cost unless specified.

ii. MediNet Pro is provided by IPA. The current administration fee for each Second Medical Opinion is HK$500. For each referral to medical treatment in the USA, the current administration fee is US$500. The Insured is also responsible for paying the administration fee and for any medical treatment and other related costs in the USA. IPA reserves the right to review the price and the number of hospitals from time to time without prior notice.

iii. Travel for Treatment VIP Services are applicable only to an Insured suffering from a designated critical illness, and upon request.

iv. Extended Family Protection is only applicable in Hong Kong, up to a maximum of 8 hours per service (a minimum of 4 consecutive hours per visit) per illness or injury, subject to hospitalization of at least 72 consecutive hours. Hospital discharge assistance service is up to a maximum of 5 consecutive hours.

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* 以上乃根據一名男性客戶於35歲時投保「VIP環球醫療保」（每年墊底費：$0）為例，並以年繳方式繳付。計劃保證每年續期，續期保費會按受保人當時實際年齡及當時同類保障級別的保費率作出調整。

The above example is based on a male customer aged 35 insured with VIP Worldwide MediCare (Annual Deductible Amount: $0). The premium is paid annually. The plan guarantees yearly renewal, and the renewal premium will be adjusted based on the Insured’s attained age and to the premium rate in effect for the same level of benefit at the time of policy renewal.

例子 Example:Alex投保VIP環球醫療保—計劃二：全球（美國除外）Alex insured with VIP Worldwide MediCare – Plan 2: Worldwide (excluding USA)

年齡Age

Alex於上海公幹，期間身體不適，遂使用國內就醫貴賓通道服務，優先入住國內三甲醫院接受治療。Alex同時申請出院免找數服務，安心在醫院接受治療，毋須為繳費及索償程序而操心。When Alex was on a business trip in Shanghai, he fell ill. He used the PRC MediCare VIP Passage Service under the MediCare Concierge Services and hospitalized in a Grade 3A hospital, Alex also applied for the Cashless Hospitalization Service to give him total peace of mind with no hassles over paying hospital bills and making subsequent claims.

入院前Pre-hospitalization ■ 門診 Outpatient

住院Hospitalization ■ 住院、手術、深切治療、住院專科醫生、私家看護

Room, Surgeries, Intensive Care, In-Hospital Specialist, Private Nurse

■ 出院免找數服務 Cashless Hospitalization Service


■ 國內就醫貴賓通道服務 PRC MediCare VIP Passage Service

出院後Post-Hospitalization ■ 門診、手術後家中看護

Outpatient, Post-surgery Home Nursing

35 45 55

全數賠償Full reimbursement



全數賠償Full reimbursement全數賠償Full reimbursement

$15,920終身保障總額 Lifetime limit: 投保時每年保費* Annual premium when insured*:



$70,000,000

康復Recovery

康復Recovery

不幸確診肝癌Diagnosed with liver cancer

入院前Pre-hospitalization ■ 門診諮詢及診斷測試

Outpatient consultation and diagnostic tests


■ 第二醫療意見 — 建議最適切的治療方案 Second medical opinion – recommending the most appropriate medical solution

■ 海外就醫貴賓服務 — 為您悉心辦理旅程所需事項 Travel for Treatment VIP Services – dedicated to assisting you with travel arrangements

住院Hospitalization ■ 住院、手術、深切治療、私家看護、住院陪床等

Room, Surgeries, Intensive Care, Private Nurse, Hospital Companion Bed, etc.

■ 癌症治療（質子重離子治療） Cancer Treatment (Proton Beam Therapy)

出院後Post-Hospitalization ■ 門診治療、手術後家中看護等

Outpatient, Post-surgery Home Nursing, etc.

■ 中醫治療及物理治療 Chinese medical treatment and physiotherapy

設每年墊底費配合預算Annual Deductible for Flexible Budgeting7

無論您正考慮投保一份全新住院保障計劃，又或想就現有住院計劃加添保障，VIP環球醫療保都能靈活配合您的需要。計劃提供4款每年墊底費金額以供選擇，墊底費越高，保費便越相宜：

■ 0港元 / 澳門元 ■ 15,000港元 / 澳門元 ■ 30,000港元 / 澳門元 ■ 60,000港元 / 澳門元

您更可於年滿50、55、60或65歲的保單週年日2，選擇將每年墊底費金額調低而無須再次提交健康申報，隨後的保費將按所選的每年墊底費金額作出調整。

No matter whether you are planning to take out a new hospital plan or top up your existing plan, VIP Worldwide MediCare is the ideal solution. The plan offers four Annual Deductible options to suit your needs: the higher the deductible, the lower the premium.

■ HK$ / MOP 0 ■ HK$ / MOP 15,000 ■ HK$ / MOP 30,000 ■ HK$ / MOP 60,000

You may change to a lower Annual Deductible before the policy anniversaries on or after your 50th, 55th, 60th or 65th birthday2 without having to submit any satisfactory proof of insurability. The premium thereafter will be adjusted according to the Annual Deductible selected.

如患上任何指定的嚴重疾病3而需入院接受治療，您將可獲豁免扣減每年墊底費金額The Annual Deductible will be waived if you are hospitalized due to any designated

critical illnesses3

Notes

1. The cashless hospitalization service is an administrative arrangement and is not part of the product benefits. We reserve the right to cease offering this service anytime without prior notice. For hospital expenses in excess of the approved cashless amount, the Insured have to settle the balance. For details of the cashless hospitalization service, please refer to the related terms and conditions.

2. Request for reduction of the Annual Deductible must be submitted in writing before the policy anniversary on or immediately following the 50th, 55th, 60th or 65th birthday of the Insured. This option can be exercised once only and is irrevocable. Claims in respect of a Disability occurring after reduction of the Annual Deductible shall be subject to the reduced Annual Deductible.

3. Designated critical illnesses include Later-stage Cancer, Cardiomyopathy, Chronic Liver Failure, Chronic Lung Disease, Coronary Artery Bypass Surgery, Fulminant Viral Hepatitis, Heart Attack, Heart Valve Replacement, Kidney Failure, Major Organ Transplantation, Parkinson’s Disease, Pulmonary Arterial Hypertension, Rheumatoid Arthritis, Stroke, Surgery to Aorta and Terminal Illness.

4. “Hospital” refers to an entity which provides facilities for major surgery and full-time nursing service and is not primarily a convalescent or nursing home, rest home, home for the aged, a place for rehabilitation for alcoholics or drug addicts, or for any similar purpose.

5. Applicable to treatment and surgical procedures that are Medically Necessary. Reimbursement will be made on a “Reasonable and Customary” basis, i.e., the charge does not exceed the general level of charges in the locality.

6. Subject to one extra bed.

7. Nursing services provided by a Qualified Nurse following surgery or the Insured’s discharge from Intensive Care Unit and while the Insured is still Confined in Hospital. It must be recommended by the Insured’s attending Doctor and arranged by the Hospital.

8. The Company reserves the right to determine the eligibility of a clinic.

附註1. 出院免找數服務是一項行政安排，並不屬於保單的

保障內容。我們有權隨時終止此項服務而不作另行通知。若住院開支超出獲預先批核的免找數金額，受保人需要支付該差額。有關出院免找數服務的詳情，請參閱相關條款及細則。

2. 須於50、55、60或65歲生日後的保單週年前，遞交書面要求行使減低每年墊底費權益。減低每年墊底費權益只可行使一次並不可撤銷。新的每年墊底費將適用於每年墊底費減低後發生的傷病所作出之索償。

3. 指定嚴重疾病包括非初期癌症、心肌病、慢性肝衰竭、慢性肺病、冠狀動脈（迴接）手術、暴發性病毒性肝炎、心臟病、心瓣置換、腎衰竭、主要器官移植、柏金遜病、肺動脈高血壓、類風濕性關節炎、中風、主要動脈手術及末期病症。

4. 「醫院」指包括具備提供主要手術服務設施及全職醫護服務的醫院。所有主要為提供復康、護理及休養的院舍、安老院、用作戒酒或戒毒或任何類似用途的地方，均不會被當作「醫院」。

5. 須為醫療上必須的治療及手術，賠償金額須符合「合理及慣常」的收費，即不超過當地的一般標準收費水平。

6. 以一張額外床位為限。7. 由主診醫生建議並由醫院安排，於醫院住院接受手術

後或被調出深切治療部後的住院期間，由一位合資格護士提供的護理服務。

8. 本公司保留決定合資格診所的權利。

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9. 適用於受保人在醫院住院或進行門診手術前31日內就同一傷病所進行的門診，以每日一次為限。

10. 適用於受保人於醫院出院或進行門診手術後的60日內就同一傷病所進行的門診，以每日一次為限。

11. 由主診醫生建議，於醫院住院接受手術後或入住深切治療部後起計60日內，在家中接受由一位合資格護士提供的護理服務。

12. 由主診醫生建議，並只適用於受保人出院或進行門診手術後的90日內就同一傷病所進行的輔助服務，以每日一次為限。

13. 經註冊醫生診斷，受保人因患病以致其壽命很可能不會多於12個月，因而入住註冊善終院舍。此項保障只限支付一次。

14. 只適用於保單持續生效五年後首次發生該等病徵或病狀的疾病。此項保障只限支付一次。

15. 受保障之妊娠併發症只包括異位妊娠、葡萄胎妊娠、播散性血管內之凝血機制障礙、先兆子癇、流產、先兆流產、醫療需要之人工流產、胎兒夭折、因產後出血切除子宮、子癇、羊水栓塞及妊娠肺栓塞。妊娠併發症之確診日期必須為保障生效日期或批准保單復效日期（以較後者為準）起計持續生效300日後。

16. 適用於受保人因意外而受傷24小時內於醫院門診部進行的門診治療。

17. 緊急牙齒治療適用於受保人於意外發生後兩星期內，於註冊牙醫診所或醫院內接受為意外前屬健全自然牙齒作出的緊急治療（包括咨詢、止血、X-光、拔牙及根管治療）。此項保障不會就任何恢復和補救工作、任何貴金屬的使用及矯正治療作出賠償，並且不保障任何由飲食引致的受傷、由正常磨損引致的損壞或由擦牙或任何其他口腔衛生護理程序引致的損壞。

18. 每年保障總額及最高終身保障總額適用於自選附加保障（如有）。

19. 如要附加牙科保障，必須先投保門診保障。牙科治療之日期必須為牙科保障生效日期或批准保單復效日期

（以較後者為準）起計持續生效180日後。

重要資料及主要產品風險繳付保費年期及保障年期繳付保費年期及保障年期最長可至受保人100歲（「牙科保障」除外，其繳付保費年期及保障年期最長可至受保人75歲）。如在保費到期日起計31日寬限期屆滿前仍未繳付保費，保單的所有保障將會終止。

終止在下列任何情況下，保單將會終止：• 於保障到期日當日• 寬限期屆滿• 保單持有人呈交書面要求終止本保單• 受保人身故• 當接受住院 / 治療 / 手術而作出賠償後，在總保障賠

償已達最高終身保障總額後

除了上述保單終止的情況外，「門診保障」亦會在所屬之「VIP環球醫療保」的保單終止時被終止，而「牙科保障」亦會在「門診保障」終止時被終止。

9. Applicable to the charges actually incurred in connection with the Insured’s consultation with a Doctor on an outpatient basis (subject to one visit per day) within 31 days preceding the Insured’s Hospital Confinement or the outpatient surgical procedures.

10. Applicable to the charges in connection with the Insured’s consultation with a Doctor in respect of the same Disability on an outpatient basis (subject to one visit per day) within 60 days following the discharge from Hospital or the outpatient surgical procedures performed.

11. Nursing services provided by a Qualified Nurse at home within 60 days immediately after the Insured’s discharge from the Hospital following surgery or admission to the Intensive Care Unit and upon the recommendation by the Insured’s attending Doctor.

12. Applicable to any treatment performed on the Insured (subject to one visit per day) for the same Disability for which the Insured has been Confined in Hospital or undergone outpatient surgical procedures, and which takes place within 90 days immediately after the Insured’s discharge or the surgery and upon the recommendation by the Insured’s attending Doctor.

13. This benefit will be paid if the Insured stays in a registered hospice following a diagnosis, in the opinion of a Doctor, is highly likely to lead to the Insured’s death within 12 months of such diagnosis. This benefit is only payable once.

14. Applicable only if the signs or symptoms of the illness first occur after the policy has been effective for five years continuously. This benefit is only payable once.

15. The covered pregnancy complications shall only be restricted to ectopic pregnancy, molar pregnancy, disseminated intravascular coagulopathy, pre-eclampsia, miscarriage, threatened abortion, medically prescribed induced abortion, foetal death, postpartum hemorrhage requiring hysterectomy, eclampsia, amniotic fluid embolism and pulmonary embolism of pregnancy. The date of diagnosis of the covered pregnancy complication must be after the policy has been effective continuously for 300 days since Effective Date of Coverage or approval date of reinstatement, whichever is later.

16. Applicable if the Insured sustains an Injury due to accident and receives outpatient treatment in the outpatient department of a Hospital within 24 hours.

17. Applicable if the Insured sustains Injury as a result of an accident and receives emergency treatment within 2 weeks of the accident, which is necessitated to tooth / teeth which was healthy natural right before the accident. This benefit will be paid for dental treatment performed in a legally registered dental clinic or Hospital including consultation, staunch bleeding, x-ray, tooth extraction and root canal work. This benefit shall not pay for any restorative treatment, the use of any precious metals and orthodontic treatment. It shall not cover any treatment for Injury caused by eating or drinking, damage caused by normal wear and tear, or damage caused by tooth brushing or any other oral hygiene procedure.

18. The Annual Limit and the Maximum Lifetime Limit of the Policy are applicable to the Optional Supplementary Benefit(s) (if any).

19. Outpatient Benefit is a pre-requisite for attaching Dental Benefit. The date of dental treatment must be incurred after the policy has been effective continuously for 180 days since the effective date of the Dental Benefit, or approval date of reinstatement, whichever is later.

Important Information and Key Product RisksPremium Payment Term and Benefit TermThe premium payment term and the benefit term are up to age 100 of the Insured (except for the Dental Benefit where the premium payment term and benefit term are up to age 75 of the Insured). If the premium is not paid before the end of the 31-day Grace Period from the premium due date, all coverage under the policy will be terminated.

TerminationThe policy will be terminated when one of the following events occurs:• On the Benefit Expiry Date• The Grace Period ends• The policy owner submits a written request to terminate this policy• The Insured dies• Upon the Confinement / treatment / surgery resulting in the total benefit

payment reaches the Maximum Lifetime Limit

Besides the above conditions for policy termination, the Outpatient Benefit will also be terminated when the VIP Worldwide MediCare policy to which this Supplementary Benefit is attached terminates, while the Dental Benefit will also be terminated when the Outpatient Benefit terminates.

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若任何遞交之索償帶有欺詐成份，萬通保險國際有限公司（「萬通保險」）有權即時終止本保單，而閣下將須要向萬通保險賠償並償還就該帶有欺詐成份之索償所有已獲支付的保障。在任何該等情況下，萬通保險亦有權向閣下追討就任何與該終止及帶有欺詐成份之索償相關之損失。

保障及保費調整如接獲所需保費（根據受保人當時實際年齡及當時同類保障級別的保費率計算），保單會於每個保單週年獲續期一年。為配合醫療科技的進步及確保能持續為你提供保障，在每次續期時，萬通保險保留隨時更改保障內容及保費之權利。保費會因應某些因素而作出調整，這些因素包括但不限於萬通保險過去的索償紀錄、開支、醫療通脹、醫療趨勢，以及 / 或因修定保障架構 / 保障級別（如有）而影響預期未來的索償成本。

計劃之持續性續保情況將根據萬通保險是否仍然為所有現有保單繼續提供該計劃而定。若萬通保險決定不再向所有已投保此計劃的保單持有人提供本計劃，萬通保險會盡力為受保人投保另一個當時可提供的醫療保障計劃。

通脹風險將來的醫療費用有機會因通脹而較現時的費用高。因此，保費率及 / 或保障的級別可能會不時作出調整。此外，即使萬通保險按保單條款履行合約義務，保單持有人獲得的金額的實質價值可能較少。

信貸風險本計劃由萬通保險承保及負責，保單持有人的保單權益會受其信貸風險所影響。

房間級別若受保人於住院的任何一天入住的房間級別高於標準私家房（不論自願與否），萬通保險將減低該等住院期間的合資格之醫療費用至百分之二十五。

地域保障適用於保障地區為全球（美國除外）1. 住院保障、手術保障、住院前及出院後之保障、延伸

保障及「門診保障」（如適用）只就以下作出賠償： i. 任何於美國以外之住院、入住註冊善終院舍、進

行之手術、醫療程序 / 醫療及 / 或服務；及 ii. 任何於受保人旅途中因疾病引致之急症或意外引

致的受傷而須於世界各地進行醫療上必須的緊急治療，而受保人於事發前365日內於該事發地點居住少於183日。

2. 全球緊急治療保障及支援內之緊急門診治療保障及緊急牙齒治療保障將就受保人於世界各地因合資格意外接受的緊急治療作出賠償。

3. 「牙科保障」（如適用）內之保障將就受保人於世界各地合資格的治療作出賠償。

保障的限制適用於保障地區為全球如以下情況發生，合資格之醫療費用將被減低至百分之五十：1. 受保人在美國住院、入住註冊善終院舍、進行之手

術、醫療程序 / 醫療及 / 或服務時，於過去365日已於美國居住達183日或以上；及 / 或

2. 受保人於美國之任何住院或在醫院日症房或在診所接受手術並沒有獲萬通保險預先批核（因意外或緊急事故直接引致則除外）。

若發生以上情況 1 及 / 或情況 2，而受保人同時於住院的任何一天入住的房間級別高於標準私家房（不論自願與否），我們將減低該等住院期間的合資格之醫療費用至百分之十二點五。

更改保障地區的權利適用於保障地區為全球若受保人於過去365日已於美國居住達183日或以上，萬通保險保留絕對權利於任何時間將保障地區由全球更改為全球（美國除外）。

If any claim made shall be fraudulent, YF Life Insurance International Ltd. (“YF Life”) shall have the right to terminate this policy immediately and you shall indemnify YF Life and repay all benefits paid in respect of such fraudulent claim. YF Life shall have the right to recover from you any cost in relation to such termination and such fraudulent claim.

Benefit and Premium AdjustmentThe policy will be renewed at each policy anniversary for another one year upon receipt of the payment of the required premium (based on the attained age of the Insured and at the premium rate in effect of the same level of benefit at the time of renewal). In order to keep pace with the medical advancement and to provide you with continuous protection, YF Life reserves the right to change the benefit and premium on each renewal at any time. The major factors to consider for premium adjustment include, but not limited to, the claim experience of YF Life, expenses, medical inflation, medical trend and / or revised benefit structure / level of benefits (if any) which might impact the expected claim costs in the future.

Continuity of the PlanPolicy renewal is based on the continuing availability of the plan to all existing policies. If YF Life decides to no longer offer the plan to all policy owners already enrolled, we will endeavor to enroll the Insured in another medical plan available at that time.

Inflation RiskMedical costs in the future are likely to be higher than they are today due to inflation. As a result, the premium rates and / or the benefit levels may be reviewed from time to time, and the policy owner might receive less in real terms even if YF Life meets all of its contractual obligations.

Credit RiskThis plan is underwritten by YF Life. The insurance benefits are held solely responsible by YF Life and subject to its credit risk.

Ward TypeIf the Insured’s Confinement is of a class upper than Standard Private Room, whether voluntarily or involuntarily, YF Life shall reduce the eligible medical expenses incurred during such period of Confinement to 25% of the benefit payable.

Geographical RestrictionsFor the Area of Cover being Worldwide (excluding USA) 1. Benefits payable under Hospitalization Benefits, Surgical Benefits,

Pre- and Post-Hospitalization Benefits, Extended Benefits and the Outpatient Benefit (if applicable) are payable only for

i. any Confinement, stay in registered hospice, surgery, medical procedures / treatment and / or service which takes place or is performed outside the United States; and

ii. any Medically Necessary emergency treatment anywhere in the world for an Emergent Condition caused by Sickness or an Injury due to accident of the Insured during the trip of the Insured, given the Insured resided in the place of such incident for less than 183 days in the past 365 days from the date of incident.

2. Benefits payable under Emergency Outpatient Treatment Benefit and Emergency Dental Benefit of Worldwide Emergency Treatment and Assistance are payable for covered accident for emergency treatment provided to the Insured anywhere in the world.

3. Benefits under the Dental Benefit (if applicable) are payable for covered treatment provided to the Insured anywhere in the world.

Benefit RestrictionsFor the Area of Cover being WorldwideThe eligible medical expenses incurred will be reduced to 50% of the benefit payable if:1. The Insured has taken up residence in the United States for at least

183 days in the past 365 days at the time of any Confinement, stay in registered hospice, surgery, medical procedures / treatment and / or service which takes place or is performed in the United States; and / or

2. The Insured is under Confinement or undergoes surgical procedures performed in the day case unit of a hospital or in a clinic in the United States without obtaining our pre-authorization unless it is directly due to accident or emergency.

If the above condition 1 and / or 2 occur(s), and at the same time, the Insured’s Confinement is of a class upper than Standard Private Room, whether voluntarily or involuntarily, we shall reduce the eligible medical expenses incurred during such period of Confinement to 12.5% of the benefit payable.

Revision of Area of CoverFor the Area of Cover being WorldwideWe reserve the absolute right to change the Area of Cover from Worldwide to Worldwide (excluding USA) at any time if the Insured has taken up residence in the United States for at least 183 days in the past 365 days.

等候期指定項目的保障會於以下日期生效：

項目生效日期（由保障生效日期起計）

意外受傷即時

疾病 30日

扁桃腺、增殖腺、疝氣的治療或手術

120日

自選牙科保障 180日（適用於並非因受傷而導致的牙科治療）

妊娠併發症保障 300日

包皮環截術而住院 2年（或受保人十二歲的生日，取其較早者）

人類免疫力缺乏病毒 / 愛滋病治療保障

5年

醫療上必須的萬通保險會為受保人醫療上必須的醫療開支作出賠償。

醫療上必須的指符合以下所有情況：i. 因應診斷結果而施行於本保單的簽發地區之一般慣

常使用的醫治方法。ii. 根據於本保單的簽發地區既定之良好醫療守則。iii. 並非就受保人或醫生之方便而進行。

合理及慣常的收費指不超過由當地具有類似地位的醫療服務機構於當地就相類同的疾病或受傷，為相同年齡和性別人士提供治療、醫療服務或供應品之一般標準收費。合理及慣常的收費於任何情況下不得超過實際收費。萬通保險可參考以下情況（如適用）決定有關醫療費用是否為「合理及慣常的收費」：i. 由當地政府憲報就其公立醫院為私家病人提供醫療

服務所定的收費；ii. 醫療行業的收費調查；iii. 內部保險賠償統計數據；iv. 受保保障程度或水平；及 / 或v. 其他相關的參考資料。

如萬通保險之公司醫生認為任何醫院 / 醫療費用並非合理及慣常的收費，萬通保險保留權利調整部份或全部賠償金額。

主要不保事項受保人若在保單日期起計一年內自殺，無論其是否在神智清醒的情況下，將不獲支付任何身故保障賠償。

適用於VIP環球醫療保因以下一種或多種情況而直接或間接引致的索償（身故保障除外）將不獲賠償：(1) 在保障生效日起計30日內患上的疾病；(2) 保障生效日期前已存在傷病的情況（包括受保人已察

覺或在一般情況下應可察覺的有關病徵或病狀）；(3) 一般身體檢查、普查及 / 或預防性護理或檢驗、基

因測試或遺傳諮詢輔導、接種及疫苗注射、病後復康、托管、療養或休養；

(4) 美容或整形外科手術（矯形手術保障除外）；眼球的折射毛病；有關扁桃腺、增殖腺、疝氣的治療或手術（除非保單已生效達120日），購買或使用的醫療輔助器具及裝置（除非該醫療輔助器具及裝置包括於手術保障內之醫療裝置）；

(5) 牙科護理或手術（緊急牙齒治療保障除外）；(6) 因懷孕、墮胎、生育或小產及其他由上述情況引致

的併發症（妊娠併發症保障除外）；於受保人十七歲生日前出現病徵或病狀、或已確診的先天性畸形或反常、絕育或不育（任何性別）及直接或間接與變性手術有關之治療；

(7) 醫療實驗及 / 或非主流醫療技術 / 程序 / 治療；

Waiting PeriodCoverage for specific items will be effective on the following dates:

Items Effective Date (after the Effective Date of Coverage)

Accidental injury Immediately

Sickness 30 days

Treatment or surgery for tonsils, adenoids, hernia

120 days

Optional dental benefit 180 days (For dental treatments not resulted from an Injury)

Pregnancy Complications Benefit 300 days

Confinement for Circumcision 2 years (or on the Insured‘s 12th birthday, whichever is earlier)

HIV/AIDS Treatment Benefit 5 years

Medically NecessaryYF Life will cover the Medically Necessary expenses incurred by the Insured.

Medically Necessary means all of the following conditions are met:i. consistent with the diagnosis and customary medical treatment for the

condition in the Place of Issuance of this policy.ii. in accordance with standards of good medical practice in the Place of

Issuance of this policy.iii. not for the convenience of the Insured and / or the doctor.

Reasonable and Customary ChargesThis means a charge for medical care which does not exceed the general level of charges being made by medical service providers of similar standing in the locality where the charge is incurred for similar treatment, services or supplies to individuals of the same gender and age, for a similar disease or injury. The “Reasonable and Customary” charges shall not in any event exceed the actual charges incurred. In determining whether an expense is “Reasonable and Customary”, YF Life may make reference to the followings (if applicable):i. the gazette issued by the local government which sets out the fees for the

private patient services in public hospitals;ii. industrial medical fee survey;iii. internal claim statistics;iv. extent or level of benefit insured; and / orv. other pertinent source of reference.

YF Life reserves the right to adjust any or all benefits payable in relation to any hospital / medical charges which in the opinion of YF Life’s doctor is not a Reasonable and Customary charge.

Key ExclusionsIf the Insured commits suicide, whether sane or insane, within one year from the Policy Date, no Death Benefit will be payable.

For VIP Worldwide MediCareThis Policy does not pay any benefit claims (except for Death Benefit) caused directly or indirectly resulting from the following:(1) Claims due to Sickness occurring within 30 days of the Effective Date of

Coverage;(2) Pre-existing conditions (which presented signs or symptoms of which the

Insured has been aware or should reasonably have been aware);(3) General check-up, screening and / or preventive care / checking, genetic

testing or counselling, vaccination / immunization, convalescence, custodial or sanatorium care or rest care;

(4) Cosmetic or plastic surgery, except for Reconstructive Surgery Benefit; refractive errors of the eyes; treatment or surgery for tonsils, adenoids, hernia (which occurred within 120 days after the Effective Date of Coverage); procurement or use of medical appliances and medical devices (unless such medical appliances and medical devices are covered by Medical Appliances under Surgical Benefit);

(5) Dental care or surgery (except for Emergency Dental Benefit);(6) Pregnancy, abortion, childbirth or miscarriage, and other complications

arising therefrom, except for Pregnancy Complication Benefit; congenital deformities or anomalies which present signs or symptoms, or are diagnosed, before the Insured attains 17 years of age, sterilization or infertility of either gender, treatment directly or indirectly related to a gender change;

(7) Experimental and / or unconventional medical technology / procedure / therapy;

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(8) 精神紊亂、心理或精神疾病、行為問題或人格障礙，精神疾病治療保障除外；

(9) 睡眠疾病（除非由專科醫生確認是危及生命的睡眠窒息症治療）；

(10) 治療過度肥胖、控制體重計劃或減肥手術（除非由專科醫生於傳統治療方法失敗後確認是必須的減肥手術）；

(11) 作為器官捐贈者捐贈器官、有關於尋找及採購替換器官而須支付的移植服務費用、所有相關的運輸費用及行政費用；

(12) 自殺或在神智不清醒的狀況下受傷；自殘、毒癮或酒癮；

(13) 受保人進行水肺潛水、參加任何非徒步進行的比賽、輔以繩索或由嚮導帶領的攀山活動；

(14) 由戰爭或叛亂、民間騷動或參與任何非法行為引致；核子武器物料、核子燃料所導致的輻射或電離子擴散污染，除非是由恐怖主義行為引致及當受保人於海外的旅程中發生；

(15) 只為物理治療及 / 或為病徵及 / 或病狀而進行之診斷影像、化驗室檢查或其他診斷程序之住院；

(16) 人體免疫能力缺乏病毒（包括愛滋病），除非符合「人類免疫力缺乏病毒 / 愛滋病治療保障」的情況；

(17) 受保人在12歲前及保單日期後2年內因接受包皮環截術而住院；

(18) 傳統中藥（輔助服務下由中醫師所處方的藥物除外），包括：姬松茸、羚羊角尖粉、鹿茸、冬蟲夏草、燕窩、花膠、靈芝、各種人參、海馬、麝香、珍珠粉及紫河車；

(19) 於住院時受保人沒有接受積極治療；或受保人於醫院接受超過連續180日的治療而維持持續性意識障礙的狀態超過60日；

(20) 根據政府條例或其他保險計劃而獲得賠償的情況。

適用於「門診保障」除第(3)及(8)項受保於本附加保障的接種疫苗及健康檢查保障及精神疾病治療保障的情況外，以上VIP環球醫療保的不保事項各項目亦適用於「門診保障」。

適用於「牙科保障」本附加保障不會保障在本附加保障的生效日期起計180日內非因受傷而導致的牙科治療。

除第(5)項受保於本附加保障的情況外，以上VIP環球醫療保的不保事項各項目亦適用於「牙科保障」。

提供資料責任及未符合這要求的後果在投保時，你 / 你們必須提供一切知悉或據常理知悉的資料，因萬通保險國際有限公司會按照所提供的資料評核接受投保及決定保險條款。提供資料的責任將會在投保申請表的簽署日期或任何補充文件的簽署日期（以較後日期為準）完成。你 / 你們若不清楚某一事項是否重要，請將該事項填寫於申請書內。若未符合以上要求，該保單可能因此而作廢。

索償程序有關索償程序，請瀏覽本公司網頁：香港：https://corp.yflife.com/tc/Hong-Kong/Individual/Services/Claims-Corner

澳門：https://corp.yflife.com/tc/Macau/Individual/Services/Claims-Corner

保費徵費（只適用於香港）保監局會透過保險公司向所有保單持有人，為其於香港繕發之保單，於每次繳付保費時收取徵費。有關徵費之詳情，請瀏覽保監局網站專頁www.ia.org.hk/tc/levy。

保單冷靜期及取消保單的權利如保單未能滿足你的要求，你可以書面方式要求取消保單，連同保單退回本公司（香港：香港灣仔駱克道33號萬通保險大廈27樓 / 澳門：澳門蘇亞利斯博士大馬路320號澳門財富中心8樓A座），並確保本公司的辦事處於交付保單的21天內，或向你 / 你的代表人發出《通知書》（說明已經可以領取保單和冷靜期屆滿日）後起計的21天內（以較早者為準）收到書面要求。於收妥書面要求後，保單將被取消，你將可獲退回已繳保費金額及你所繳付的徵費（適用於香港），但不包括任何利息。

(8) Mental disorder, psychological or psychiatric conditions, behavioral problems or personality disorders, except for Psychiatric Treatment Benefit;

(9) Sleep disorders except for the treatment of sleep apnoea which is life threatening as confirmed by a specialist Doctor;

(10) Treatment of obesity, weight control programs or bariatric surgery (except when bariatric surgery is necessary as confirmed by a specialist Doctor after failure of conventional treatments);

(11) Organ donation as the Organ Donor, transplant service for which the cost incurred in connection with identifying and procuring a replacement organ and all associated transportation costs and administrative costs;

(12) Suicide, attempted suicide or injuries due to insanity, self-infliction; drug addiction or alcoholism;

(13) Scuba diving or engaging in or taking part in race other than on foot, mountaineering involving the use of ropes or guides by the Insured;

(14) Acts of war, riot, civil commotion, participating in any illegal activity; waste nuclear weapons material, ionizing radiation or contamination by radioactivity from any nuclear fuel, except it is caused by terrorist act and occurs while the Insured is travelling overseas;

(15) Hospital Confinement primarily for physiotherapy and / or for the investigation of signs and / or symptoms with diagnostic imaging, laboratory investigation or other diagnostic procedures;

(16) Human Immunodeficiency Virus (HIV) Infection (including AIDS), unless meeting the requirement for the HIV / AIDS Treatment Benefit;

(17) The Insured is hospitalized for Circumcision before the age of 12 and such hospitalization occurs within 2 years of the Effective Date of Coverage;

(18) Traditional Chinese medicines, except for medicines prescribed by a Chinese Medicine Practitioner under Ancillary Services, including: agaricus blazei murill, antelope horn powder, antler, cordyceps, cubilose, donkey-hide gelatin, ganoderma, all kinds of ginseng, hippocampus, moschus, pearl powder and placenta hominis;

(19) No active treatment is performed on the Insured during Hospital Confinement; or the Insured is in state of continuous disorder of consciousness for more than 60 days during Hospital Confinement whilst staying in Hospital for more than 180 consecutive days;

(20) Expenses for which compensation is payable under any government law or any other insurance policy.

For Outpatient BenefitThe exclusions of the above points for VIP Worldwide MediCare also apply to Outpatient Benefit except points no. 3 and 8 to the extent where such occurrence is covered under Vaccinations and Health Checkup Benefit and Psychiatric Treatment Benefit of this Supplementary Benefit.

For Dental BenefitThis Supplementary Benefit does not cover dental treatments occurring within 180 days of the Effective Date of this Supplementary Benefit if the dental treatments are not resulted from an Injury.

The exclusions of the above points for VIP Worldwide MediCare also apply to Dental Benefit except point no. 5 to the extent where such occurrence is covered under this Supplementary Benefit.

Duty of disclosure and the consequences of not making full disclosure You are required to disclose in the application all information you know or could reasonably be expected to know because YF Life Insurance International Ltd. will rely on what you have disclosed in this application to accept the risk and the terms of insurance. Your duty of disclosure ends on the signing date of application or the supplementary form(s), whichever is later. If you are in doubt as to whether a fact is material, please disclose it in the application. Failure to comply with this requirement may render the policy issued voidable.

Claims ProceduresFor details of the procedures for making claims, please refer to our website at:Hong Kong: https://corp.yflife.com/en/Hong-Kong/Individual/Services/Claims-CornerMacau: https://corp.yflife.com/en/Macau/Individual/Services/Claims-Corner

Premium Levy (Applicable to Hong Kong only)The Insurance Authority (IA) imposes a levy on insurance premiums from policy for all new and in-force insurance policies issued in Hong Kong. For details about the levy, please visit the dedicated IA webpage at www.ia.org.hk/en/levy.

Cooling-off Period and Right of CancellationIf you are not satisfied with the policy, you may return it under a signed covering letter to us (Hong Kong: 27/F, YF Life Tower, 33 Lockhart Road, Wanchai, Hong Kong / Macau: Avenida Doutor Mario Soares No. 320, Finance and IT Center of Macau, 8 Andar A, Macau) within 21 days after the delivery of the policy or issue of the Notice (which states that the policy is available for collection and the expiry date of the cooling-off period) to you or your representative, whichever is earlier. We will cancel the policy upon receipt of your written request and refund all premiums and levy you paid (applicable to Hong Kong only), without any interest.

12

https://www.ia.org.hk/en/levyhttps://www.ia.org.hk/en/levyhttps://corp.yflife.com/tc/Hong-Kong/Individual/Services/Claims-Cornerhttps://corp.yflife.com/tc/Hong-Kong/Individual/Services/Claims-Cornerhttps://corp.yflife.com/tc/Macau/Individual/Services/Claims-Cornerhttps://corp.yflife.com/tc/Macau/Individual/Services/Claims-Cornerhttps://corp.yflife.com/en/Macau/Individual/Services/Claims-Cornerhttps://corp.yflife.com/en/Hong-Kong/Individual/Services/Claims-Cornerhttps://corp.yflife.com/en/Hong-Kong/Individual/Services/Claims-Corner

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「VIP環球醫療保」一覽表VIP Worldwide MediCare – at a glance

表一：主要保障Table 1: Core Benefits

計劃Plan 1 計劃Plan 2

保障地區Area of Cover

全球 Worldwide

全球（美國除外）Worldwide (excluding USA)

保障Benefits 保障限額Benefit Limits

終身保障總額(適用於第1至29項及附加保障） Lifetime Limit(Applicable to items 1 to 29 and Supplementary Benefits)

70,000,000

毎年保障總額(適用於第1至29項及附加保障） Annual Limit(Applicable to items 1 to 29 and Supplementary Benefits)

25,000,000

每年墊底費(不適用於第8、9、36項及附加保障）Annual Deductible Amount(Not applicable to items 8, 9, 36 and Supplementary Benefits)

0 / 15,000 / 30,000 / 60,000

住院病房級別Ward Type

標準私家病房 Standard private room

I.住院保障4Hospitalization Benefits4

1. 住院、膳食及一般護理津貼 Room, Board & General

Nursing

全數賠償5 Full reimbursement5

2. 住院醫生費 In-Hospital Doctor's Call

3. 住院專科醫生費 In-Hospital Specialist's

Consultation

4. 特別住院費 Hospital Special Services

5. 深切治療 Intensive Care

6. 住院陪床6 Hospital Companion Bed6

7. 私家看護費7 Private Nurse’s Fee7

全數賠償5Full reimbursement5

(每年90日 90 days per year)

(港元 / 澳門元 HK$/MOP)

需由註冊醫生書面建議Recommendation by a registered doctor in writing is required

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8. 住房級別下調現金保障（適用於入住低於受保病房級別的

房間） Room and Board Downgrade

Cash Benefit

(Applicable if the room level is lower than the covered room level)

毎日1,800 per day(每年60日 60 days per year)9. 政府住院現金保障

（適用於入住香港 / 澳門政府醫院大房級別的房間）

Government Hospital Cash Benefit

(Applicable to confinement in a general ward of a public hospital in Hong Kong / Macau)

II.手術保障Surgical Benefits

10.外科醫生手術費 Surgeon’s Fee

全數賠償5 Full reimbursement5

11.麻醉師費 Anaesthetist’s Fee

12.手術室租金 Operating Theatre Fee

13.門診手術8 (包括外科醫生手術費、麻醉師費、

手術室租金、診症費及藥費） Outpatient Surgery8 (Including Surgeon’s Fee, Anaesthetist’s

Fee, Operating Theatre Fee, Consultation and Medication)

14.醫療裝置 – 指定裝置（起搏器 / 冠狀動脈血管成形術（通波仔）的支架 / 眼內人造晶體 / 人工心瓣 / 金屬或人工關節置換 / 人工韌帶置換或植入 / 人工椎間盤）

Medical Appliances – Designated Appliances (Pace maker / Stents for percutaneous transluminal coronary angioplasty / Intraocular lens / Artificial cardiac valve / Metallic or artificial joints for joint replacement / Prosthetic ligaments for replacement or implantation between bones / Prosthetic intervertebral disc)

– 非指定醫療裝置Non-designated Medical Appliances

每年100,000 per year

15.在生捐贈者之移植手術費用 Living Donor Expenses for

Transplantation Surgery

器官捐贈者及接受者之手術費用總和的30% 30% of the total transplantation cost of both donor and receiver

15


III.住院前及出院後保障Pre- and Post- Hospitalization Benefits

16.住院前門診9 Pre-hospitalization

Outpatient9

– 門診諮詢 Consultation – 藥物 Medication – 診斷測試 Diagnostic Tests


(每日1次 1 visit per day)

17.出院後門診10 Post-hospitalization

Outpatient10

– 門診諮詢 Consultation – 藥物 Medication – 傷口護理 Wound Care – 診斷測試 Diagnostic Tests


(每日1次 1 visit per day)

18.手術後家中看護11 Post-surgery

Home Nursing11


(每年120日 120 days per year)

19.輔助服務12 Ancillary Services12


– 物理治療師 / 脊骨神經治療師 / 言語治療師 / 職業治療師 Physiotherapist / Chiropractor / Speech Therapist / Occupational Therapist

每次 2,000 per visit(每年30次，每日1次 30 visits per year, 1 visit per day)

– 中醫師 Chinese Medicine Practitioner

每次 800 per visit(每年20次，每日1次 20 visits per year, 1 visit per day)

20.復康中心及其相關治療 Rehabilitation Centre &

Related Treatment

每年 80,000 per year(每年60日 60 days per year)

IV.延伸保障Extended Benefits

21.癌症治療保障 Cancer Treatment

Benefit – 化療 Chemotherapy – 電療 Radiotherapy – 標靶治療 Target Therapy – 荷爾蒙治療 Hormonal Therapy – 免疫治療 Immunotherapy – 質子重離子治療 Proton Beam Therapy


22.洗腎保障 Renal Dialysis Benefit

23.精神疾病治療保障 Psychiatric Treatment

Benefit

每年60,000 per year(每年60日 60 days per year)

24.善終院舍護理服務13 Hospice Care13

100,000

(以個人計 per Life)


16


25.人類免疫力缺乏病毒/ 愛滋病治療保障14

HIV / AIDS Treatment Benefit14

800,000

(以個人計 per Life)

26.矯形手術保障 (適用於回復身體功能或外觀，或重

建乳房) Reconstructive Surgery

Benefit (For restoration of function of a body part,

appearance, or a breast)

300,000

(每項受保疾病計 per covered illness)

27.妊娠併發症保障15 Pregnancy

Complications Benefit15


V.全球緊急治療保障及支援Worldwide Emergency Treatment and Assistance

28.意外緊急門診治療保障16 Emergency Outpatient

Treatment Benefit16 全數賠償5Full reimbursement5

29.意外緊急牙齒治療保障17 Emergency Dental Benefit17

30.全球緊急醫療援助服務 Worldwide Emergency

Assistance Benefit – 緊急護送 Emergency Evacuation

– 治療後之護送服務 Repatriation after Treatment

– 運返遺體 / 骨灰回國 Repatriation of Mortal Remains / Ashes

– 護送隨行未成年子女回國 Return of Unattended Dependent Child(ren) to Country of Residence

– 安排緊急回國料理親人後事 Unexpected Return to the Country of Residence

全數支付Fully covered

– 親友探病住宿 Compassionate Visit

– 出院後療養住宿 Hotel Room Accommodation for Convalescence

毎日 US$150 per day(連續5日 5 consecutive days)

– 電話醫療建議、評估及轉介 / 墊支住院費用 / 旅遊支援服務 / 法律諮詢服務 / 行程折回之緊急安排 / 運送所需藥物 / 醫療器材 / 跟進病況

Medical Attention Telephone Medical Advice, Evaluation and Referral Appointment /

Deposit Guarantee for Hospital Admission / Travel Assistance / Legal

Assistance / Emergency Rerouting Arrangements /

Essential Medication / Medical Equipment / Medical Monitoring

適用Applicable


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表二：自選附加保障18Table 2 : Optional Supplementary Benefits18

保障 Benefits 保障限額Benefit Limits

A.門診保障Outpatient Benefit

門診諮詢Outpatient Consultation


(每年50次，每日1次 50 visits per year, 1 visit per day)

診斷程序及化驗室測試Diagnostic Procedures and Laboratory Tests


處方藥物Prescribed Medicines and Drugs


另類治療Alternative Treatment

– 物理治療師 / 脊骨神經治療師 / 中醫師 Physiotherapist / Chiropractor / Chinese Medicine Practitioner

每年8,000 per year(每日1次 1 visit per day)


VI.附加服務Additional Service

31.出院免找數服務1 Cashless Hospitalization

Service1

適用Applicable

VII.私人醫療禮賓服務MediCare Concierge Services

32.國際專業醫療網絡 MediNet Pro

– 第二醫療意見 / 轉介赴美就醫 Second medical opinion / treatment referrals in the USA

適用Applicable

33.國內就醫貴賓通道服務 PRC MediCare VIP Passage

Service

34.海外就醫貴賓服務 Travel for Treatment VIP

Services

35.延伸家庭保障 Extended Family Protection

– 家庭傭工 / 保姆 / 保健人員 / 助理人員 Home-helper / Child-carer / Health worker / Escort personnel

VIII.壽險保障Life Protection

36.身故保障 Death Benefit

80,000



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以上為計劃的一般資料，只供參考之用，並非保單的一部份，亦未涵蓋保單的所有條款。有關保障範圍、詳情及條款，以及不保事項，請參閱保單的條款及保障。如有垂詢，歡迎與本公司之顧問、特許分銷商或保險經紀聯絡，或致電客戶服務熱線：香港（852）2533 5555 / 澳門（853）2832 2622。The above contains general information and is for reference only. It does not form part of the policy and does not contain the full terms of the policy. Please refer to the Terms and Benefits of the policy for benefit coverage, exact terms and conditions and exclusions. For enquiries, please contact our consultants, franchised agents or brokers, or call our Customer Service Hotline: Hong Kong (852) 2533 5555 / Macau (853) 2832 2622.

精神疾病治療保障Psychiatric Treatment Benefit

每次1,000 per visit(每年10次，每日1次 10 visits per year, 1 visit per day)

接種疫苗及健康檢查Vaccinations and Health Checkup


B.牙科保障19Dental Benefit19

例行牙科治療Routine Dental Treatment


主要之恢復性治療Major Restorative Treatment


保單資料Policy Information

VIP環球醫療保VIP Worldwide

MediCare

門診保障Outpatient Benefit

牙科保障19Dental Benefit19

保單類別Plan Type

基本計劃Basic Plan

附加保障Supplementary Benefit

保單貨幣單位Currency

香港保單：港元 Policy Issued in Hong Kong: HK$

澳門保單：澳門元 / 港元 Policy Issued in Macau: MOP / HK$

保費Premium

保證每年續期，續期保費會按受保人當時實際年齡及當時同類保障級別的保費率作出調整

Guaranteed yearly renewable. The renewal premium will be adjusted based on the Insured’s attained age and to the premium rate in effect for the same level of benefit

at the time of policy renewal

保費按每年 / 每半年 / 每季 / 每月繳付Annual / Semi-annual / Quarterly / Monthly Payment

投保資料Basic Information

投保年齡（以上次生日年齡計算）Issue Age (At Last Birthday)

0至70歲 Age 0-70

保障年期Benefit Term

至100歲 To Age 100

至75歲 To Age 75

繳付保費年期Premium Payment Term

至100歲 To Age 100

至75歲 To Age 75

有關保費詳情，請瀏覽本公司網頁 https://corp.yflife.com/tc/Individual/Protect/Medical/VIP-Worldwide-MediCare。For premium rates, please refer to our company website at https://corp.yflife.com/en/Individual/Protect/Medical/VIP-Worldwide-MediCare.

https://corp.yflife.com/en/Individual/Protect/Medical/VIP-Worldwide-MediCarehttps://corp.yflife.com/en/Individual/Protect/Medical/VIP-Worldwide-MediCarehttps://corp.yflife.com/tc/Individual/Protect/Medical/VIP-Worldwide-MediCare

MK

T-11

6-V

3-0

42

0B

Use for Paper size is Above A5

Chinese version

English version

Minimum size for the portrait label is 17mm in width.

Minimum size for the landscape label is 12mm in height.

17mm(w)

12mm(h)

17mm(w)

12mm(h)

2016 - July version

萬通保險國際有限公司為港交所上市公司雲鋒金融集團成員。雲鋒金融集團的主要股東包括雲鋒金融控股有限公司以及美國萬通國際公司。憑藉雄厚實力及穩健可靠的背景，我們承諾為客戶提供專業及科技化的一站式風險及財富管理，以及強積金服務，一起建構非凡未來。YF Life Insurance International Limited is a member of publicly listed Yunfeng Financial Group Limited, whose major shareholders include Yunfeng Financial Holdings Limited and MassMutual International LLC. Leveraging our robust financial background and solid reliability, we are committed to creating a brighter future for our customers by providing professional and technology-enhanced one-stop risk- and wealth-management consulting services, as well as MPF services.

Own the future.

萬通保險國際有限公司為港交所上市公司雲鋒金融集團成員。雲鋒金融集團的主要股東包括雲鋒金融控股有限公司以及美國萬通國際公司。憑藉雄厚實力及穩健可靠的背景，我們承諾為客戶提供專業及科技化的一站式風險及財富管理，以及強積金服務，一起建構非凡未來。YF Life Insurance International Limited is a member of publicly listed Yunfeng Financial Group Limited, whose major shareholders include Yunfeng Financial Holdings Limited and MassMutual International LLC. Leveraging our robust financial background and solid reliability, we are committed to creating a brighter future for our customers by providing professional and technology-enhanced one-stop risk- and wealth-management consulting services, as well as MPF services.

Own the future.

萬通保險國際有限公司YF Life Insurance International Ltd.www.yflife.com

客戶服務：香港尖沙咀廣東道9號港威大廈6座12樓1208室澳門蘇亞利斯博士大馬路320號澳門財富中心8樓A座Customer Service: Suite 1208, 12/F, Tower 6, The Gateway, 9 Canton Road, Tsimshatsui, Hong KongAvenida Doutor Mario Soares No. 320, Finance and IT Center of Macau, 8 Andar A, Macau

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VIP環球醫療保 VIP Worldwide MediCare

已屆年齡 Attained Age

計劃 Plan 1 全球 Worldwide

計劃 Plan 2 全球 Worldwide (美國除外 excluding USA)

每年墊底費 Annual Deductible 每年墊底費 Annual Deductible

0 15,000 30,000 60,000 0 15,000 30,000 60,000

0 20,446 13,417 10,961 9,024 13,890 8,940 7,165 5,856

1 20,061 13,167 10,759 8,857 13,631 8,775 7,035 5,751

2 19,692 12,927 10,564 8,699 13,382 8,618 6,911 5,651

3 19,162 12,583 10,286 8,471 13,026 8,392 6,732 5,507

4 18,633 12,240 10,006 8,244 12,669 8,167 6,553 5,362

5 18,104 11,896 9,728 8,016 12,313 7,941 6,374 5,219

6 17,574 11,552 9,449 7,788 11,957 7,716 6,195 5,074

7 17,044 11,208 9,170 7,561 11,600 7,489 6,017 4,931

8 16,899 11,113 9,093 7,498 11,502 7,428 5,967 4,891

9 16,753 11,019 9,016 7,435 11,404 7,365 5,919 4,851

10 16,575 10,902 8,918 7,353 11,285 7,289 5,857 4,799

11 16,430 10,806 8,843 7,291 11,187 7,226 5,807 4,761

12 16,285 10,712 8,766 7,229 11,089 7,165 5,758 4,721

13 16,139 10,618 8,689 7,166 10,991 7,102 5,709 4,681

14 15,994 10,523 8,612 7,104 10,893 7,041 5,660 4,641

15 15,849 10,429 8,536 7,041 10,795 6,978 5,611 4,602

16 15,586 10,258 8,398 6,928 10,619 6,867 5,522 4,530

17 15,324 10,089 8,259 6,816 10,442 6,756 5,434 4,459

18 15,062 9,918 8,122 6,703 10,266 6,643 5,346 4,388

19 14,800 9,749 7,984 6,590 10,089 6,532 5,257 4,317

20 14,700 9,697 7,957 6,581 10,022 6,499 5,240 4,311

21 14,435 9,525 7,817 6,466 9,843 6,385 5,150 4,239

22 14,170 9,352 7,678 6,352 9,666 6,273 5,062 4,166

23 15,132 9,979 8,186 6,768 10,314 6,684 5,386 4,429

24 16,096 10,604 8,695 7,183 10,961 7,094 5,712 4,692

25 17,059 11,231 9,203 7,598 11,610 7,505 6,039 4,955

26 18,021 11,856 9,712 8,015 12,258 7,916 6,365 5,218

27 18,985 12,483 10,220 8,430 12,906 8,327 6,689 5,481

28 19,948 13,108 10,729 8,846 13,554 8,737 7,016 5,744

29 20,584 13,521 11,064 9,120 13,981 9,008 7,231 5,918

30 21,156 13,888 11,356 9,354 14,368 9,250 7,418 6,065

31 21,790 14,300 11,691 9,627 14,795 9,519 7,632 6,238

32 22,424 14,712 12,026 9,900 15,221 9,790 7,846 6,411

33 23,057 15,124 12,360 10,174 15,648 10,060 8,060 6,584


2





0 15,000 30,000 60,000 0 15,000 30,000 60,000

34 23,261 15,256 12,467 10,261 15,784 10,147 8,129 6,640

35 23,464 15,388 12,574 10,349 15,920 10,233 8,198 6,694

36 23,667 15,520 12,681 10,436 16,057 10,320 8,266 6,750

37 23,870 15,652 12,789 10,524 16,194 10,407 8,335 6,805

38 24,073 15,784 12,895 10,611 16,331 10,493 8,403 6,861

39 25,316 16,592 13,552 11,148 17,168 11,022 8,824 7,200

40 26,435 17,309 14,124 11,607 17,920 11,493 9,189 7,490

41 27,672 18,112 14,775 12,139 18,752 12,020 9,607 7,826

42 28,909 18,915 15,427 12,671 19,585 12,548 10,025 8,163

43 30,146 19,719 16,080 13,204 20,418 13,074 10,442 8,500

44 31,509 20,603 16,797 13,790 21,335 13,655 10,903 8,870

45 32,870 21,488 17,515 14,376 22,251 14,236 11,362 9,241

46 34,232 22,373 18,233 14,961 23,168 14,815 11,822 9,612

47 35,594 23,257 18,950 15,547 24,085 15,396 12,281 9,983

48 36,956 24,142 19,668 16,133 25,001 15,977 12,741 10,354

49 38,689 25,268 20,581 16,879 26,167 16,715 13,326 10,825

50 40,699 26,598 21,687 17,801 27,521 17,588 14,035 11,410

51 42,444 27,732 22,609 18,555 28,695 18,332 14,626 11,886

52 44,188 28,866 23,530 19,307 29,870 19,076 15,216 12,362

53 45,933 30,000 24,451 20,061 31,043 19,821 15,806 12,839

54 48,594 31,730 25,857 21,210 32,835 20,956 16,706 13,566

55 51,257 33,460 27,263 22,359 34,627 22,091 17,607 14,293

56 53,918 35,190 28,669 23,508 36,419 23,226 18,507 15,019

57 56,581 36,921 30,074 24,657 38,210 24,363 19,408 15,747

58 59,243 38,651 31,480 25,806 40,002 25,498 20,308 16,474

59 63,637 41,508 33,801 27,702 42,960 27,372 21,794 17,673

60 68,135 44,438 36,187 29,657 45,987 29,294 23,323 18,909

61 72,537 47,300 38,512 31,558 48,950 31,172 24,812 20,111

62 76,938 50,161 40,837 33,458 51,911 33,050 26,301 21,313

63 81,339 53,023 43,163 35,358 54,874 34,926 27,790 22,515

64 86,500 56,378 45,889 37,587 58,347 37,128 29,537 23,926

65 91,716 59,769 48,645 39,839 61,857 39,353 31,301 25,350

66 96,877 63,124 51,371 42,068 65,331 41,555 33,048 26,759

67 102,093 66,515 54,126 44,320 68,842 43,779 34,813 28,184

VIP環球醫療保 VIP Worldwide MediCare (港元 / 澳門元 HK$/MOP)

3





0 15,000 30,000 60,000 0 15,000 30,000 60,000

68 107,254 69,871 56,854 46,549 72,316 45,981 36,559 29,594

69 110,994 72,302 58,828 48,164 74,832 47,577 37,824 30,615

70 113,276 73,665 59,807 48,865 76,362 48,464 38,444 31,050

71* 116,983 76,071 61,758 50,457 78,857 50,043 39,693 32,057

72* 120,677 78,468 63,702 52,042 81,342 51,615 40,938 33,060

73* 124,316 80,830 65,618 53,605 83,793 53,165 42,165 34,048

74* 128,638 83,636 67,893 55,461 86,701 55,006 43,621 35,222

75* 132,947 86,433 70,161 57,310 89,601 56,841 45,073 36,392

76* 137,256 89,229 72,428 59,161 92,501 58,675 46,526 37,562

77* 141,578 92,035 74,702 61,016 95,409 60,516 47,982 38,735

78* 145,887 94,832 76,970 62,867 98,309 62,351 49,434 39,905

79* 150,985 98,140 79,654 65,055 101,741 64,523 51,153 41,290

80* 156,030 101,416 82,309 67,222 105,135 66,671 52,854 42,660

81* 161,129 104,724 84,992 69,410 108,567 68,841 54,571 44,044

82* 166,173 108,000 87,648 71,576 111,962 70,990 56,272 45,414

83* 171,205 111,265 90,295 73,737 115,349 73,132 57,968 46,780

84* 177,199 115,156 93,451 76,310 119,383 75,685 59,989 48,408

85* 183,141 119,013 96,578 78,861 123,381 78,216 61,991 50,021

86* 189,082 122,869 99,704 81,411 127,380 80,746 63,994 51,634

87* 195,024 126,725 102,831 83,963 131,379 83,275 65,996 53,248

88* 200,965 130,582 105,959 86,513 135,377 85,805 67,999 54,862

89* 207,963 135,124 109,641 89,518 140,087 88,785 70,358 56,761

90* 214,962 139,667 113,325 92,523 144,797 91,766 72,717 58,662

91* 221,920 144,184 116,988 95,511 149,479 94,729 75,062 60,551

92* 228,919 148,726 120,670 98,516 154,190 97,709 77,420 62,452

93* 235,918 153,269 124,354 101,520 158,900 100,689 79,779 64,351

94* 242,139 157,307 127,629 104,191 163,088 103,339 81,877 66,041

95* 248,362 161,347 130,903 106,863 167,275 105,989 83,973 67,731

96* 254,571 165,377 134,172 109,529 171,454 108,633 86,066 69,417

97* 260,847 169,450 137,474 112,223 175,678 111,306 88,182 71,121

98* 267,070 173,489 140,749 114,895 179,865 113,956 90,279 72,811

99* 275,070 178,682 144,959 118,330 185,249 117,362 92,975 74,983

VIP環球醫療保 VIP Worldwide MediCare (港元 / 澳門元 HK$/MOP)

*只適用於續保 For renewal only

4


計劃 Plan 1 全球

Worldwide


Worldwide (美國除外excluding

USA)



Worldwide



USA)



Worldwide



USA)

0 30,036 20,024 34 29,907 19,938 68 155,635 103,757

1 30,036 20,024 35 31,932 21,288 69 162,683 108,455

2 30,036 20,024 36 33,112 22,075 70 170,012 113,341

3 30,036 20,024 37 34,265 22,843 71* 177,059 118,039

4 21,246 14,164 38 35,444 23,630 72* 184,107 122,738

5 21,246 14,164 39 36,213 24,142 73* 191,129 127,419

6 21,246 14,164 40 37,264 24,842 74* 199,355 132,903

7 21,246 14,164 41 38,031 25,354 75* 207,556 138,371

8 21,246 14,164 42 38,826 25,884 76* 215,756 143,837

9 21,246 14,164 43 39,595 26,397 77* 223,983 149,322

10 21,246 14,164 44 41,568 27,712 78* 232,184 154,789

11 21,246 14,164 45 43,849 29,233 79* 241,639 161,093

12 21,246 14,164 46 45,823 30,548 80* 251,097 167,398

13 21,246 14,164 47 47,795 31,863 81* 260,579 173,719

14 21,246 14,164 48 49,768 33,179 82* 270,035 180,023

15 21,246 14,164 49 53,715 35,810 83* 279,490 186,327

16 21,246 14,164 50 57,919 38,613 84* 290,306 193,537

17 21,246 14,164 51 61,839 41,226 85* 301,094 200,729

18 19,504 13,002 52 65,761 43,841 86* 311,908 207,939

19 19,529 13,019 53 69,681 46,454 87* 322,699 215,132

20 19,579 13,053 54 73,218 48,812 88* 333,513 222,342

21 19,607 13,072 55 77,344 51,563 89* 345,737 230,491

22 19,631 13,087 56 80,881 53,921 90* 357,987 238,658

23 20,476 13,650 57 84,418 56,278 91* 370,211 246,808

24 21,324 14,216 58 87,954 58,636 92* 382,461 254,974

25 22,169 14,779 59 92,284 61,522 93* 394,685 263,123

26 22,988 15,325 60 96,897 64,598 94* 408,447 272,298

27 23,835 15,890 61 101,228 67,485 95* 422,182 281,455

28 24,681 16,454 62 105,534 70,356 96* 435,943 290,629

29 24,936 16,624 63 109,864 73,243 97* 449,707 299,805

30 27,985 18,657 64 115,043 76,695 98* 463,443 308,962

31 28,242 18,828 65 137,747 91,831 99* 477,346 318,231

32 28,500 19,000 66 143,718 95,812

33 28,729 19,152 67 149,689 99,793

門診保障 Outpatient Benefit (港元 / 澳門元 HK$/MOP)

(港元 / 澳門元 HK$/MOP)牙科保障 Dental Benefit(港元 / 澳門元 HK$/MOP)已屆年齡 Attained Age 計劃 Plan 1 全球 Worldwide


0-70 6,551

71 – 74（只適用於續保 For renewal only） 6,551

*只適用於續保 For renewal only

vip worldwide medicare - yf life · 2020. 4. 8. · vip worldwide medicare...

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