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Medical Insurance Plan
with
Amex Medical Protector

Protecting the most important asset in your life

Underwritten by:

Let us be your armour to safeguard your health

Our unique medical insurance is the protection tailored for you, who look after your family. With a vast amount of health protection –

from in-patient benefits to post-surgery out-patient benefits, you can embrace any health challenges with peace of mind.

Here’s a glance of what we cover

With 2 plan levels of maximum benefits up to HK$2,000,000 for the Standard Plan and HK$5,000,000 for the Premier Plan annually, you'll receive in-patient medical benefits and coverage for:

Oncology
Dialysis
Organ transplant
Prosthetic devices
AIDS/HIV treatment
Post surgery out-patient benefit
Post specialist treatment due to critical illness

Rest assured, you'll also have:

24-hour worldwide emergency assistance on hospital admission guarantee
Emergency medical evacuation
Overseas telephone medical advice
Referral service

Whether it's minor surgery done by a registered doctor at a medical clinic or something more serious, all in-patient medical expenses will be compensated by types of operations. This means, you'll be covered for:

Room, board and general nursing charges(including accommodation in an intensive care unit)
In-hospital doctor's call fees
In-hospital specialist consultation fees
Hospital special services charges
Surgical charges
Anesthetist's fees
Operating theatre charges
Out-patient surgery
Intensive care charges

We'll settle all the eligible in-patient medical expenses incurred in Hong Kong hospitals under the pre-approved direct settlement feature of your Plan to ensure you receive quality treatment without hassle.

If you have a group medical protection from your existing employer, you can receive voluntary deductible coverage and enjoy more premium savings by sharing a portion of the in-patient medical claims.

Receive coverage up to aged 100* so you'll enjoy real peace of mind in your lifetime.

* Zurich Insurance Company Ltd reserves the right to revise the premium, add new conditions and apply exclusions to the policy at the time of annual renewal.

Coverage starts for your children once they're 15 days old. And receive accompany bed benefit for a parent to accompany any insured child under 16 years old in the hospital.

Wherever you'll be, embrace the carefree lifestyle with coverage choices for all over the world.

If no claims were made in the period of insurance, your insurance premium will be discounted for following years upon renewal:

2% in the first no claim year
5% in the second no claim year
Accumulation up to 8% in the third no claim year

5% premium discount will be offered for family enrolment with spouse and/or children.

No medical check-up is required. Call us and complete the enrolment form because you're only a few health questions away from our comprehensive medical coverage.

Take a look at the key benefit levels

Coverage	Standard Plan	Premier Plan
Coverage	Maximum benefits per insured person per policy year (HK$)
Annual Limit	2,000,000	5,000,000
Limit of Cover Per Room Type	100% reimbursement for semi-private room/ ward; 30% reimbursement for private room	100% reimbursement for semi-private room/ ward; 50% reimbursement for private room

Coverage	Standard Plan	Premier Plan
	Maximum benefits per insured person per policy year (HK$)
Room and Board
a. Room, Board and General Nursing Charges b. Room, Board and General Nursing for Incentive Care Unit c. Accompanying Bed Benefit (Parent Accommodation)	100% of the actual expenses
Surgical Cover
a. In-hospital Doctor's Call Fees b. In-hospital Specialist Consultation Fees c. Hospital Special Services Charges d. Surgical Charges (including Anaesthetist's Fee and Operating Theatre Charges) e. Out-patient Surgery	100% of the actual expenses

Coverage	Standard Plan	Premier Plan
Coverage	Maximum benefits per insured person per policy year (HK$)
Oncology Dialysis	80% of the actual expenses up to maximum 200,000	90% of the actual expenses up to maximum 300,000
Organ Transplant	80% of the actual expenses	90% of the actual expenses
Prosthetic Devices	80% of the actual expenses up to maximum 30,000 per item	80% of the actual expenses up to maximum 50,000 per item
AIDS / HIV Treatment	80% of the actual expenses up to maximum 80,000	90% of the actual expenses up to maximum 120,000
Accidental Dental Treatment	80% of the actual expenses	90% of the actual expenses
Local Ambulance	100% of the actual expenses

Coverage	Standard Plan	Premier Plan
Coverage	Maximum benefits per insured person per policy year (HK$)
Post-surgery Out-patient Benefit	100% of the actual expenses up to maximum 2,000 per disability	100% of the actual expenses up to maximum 2,500 per disability
Home Nursing Fees	100% of the actual expenses up to maximum 30 days per disability	100% of the actual expenses up to maximum 60 days per disability
Post-surgery Specialist Treatment due to Critical Illness	80% of the actual expenses up to maximum 100,000 per disability	90% of the actual expenses up to maximum 120,000 per disability

Coverage	Standard Plan	Premier Plan
	Maximum benefits per insured person per policy year (HK$)
Guarantee of Hospital Admission Deposit	Maximum 39,000
Emergency Medical Evacuation	Actual cost
Compassionate Visit	One economy class return airfare
Return of Unattended Dependent	One economy class one-way airfare
Arrangement of Limousine Service	Limousine service will be arranged to return the insured person who is hospitalized in Hong Kong for a period in excess of seven consecutive days back home
Home Nursing Care Referral Assistance	Available
Medical Service Provider Referral
Telephone Medical Advice

Coverage		Standard Plan	Premier Plan
		Maximum benefits per insured person per policy year (HK$)
Voluntary Deductible		Applicable to claims for in-patient and surgical expenses only Insured persons can enjoy extra savings on premium by paying a fixed deductible amount for each and every claim
Deductible Amount (HK$)	20,000	Available
	50,000	Not Available	Available

Policy Wordings, Premium Table & Product Factsheet

Would you like to learn more about the Plan?

All the information you need is in these documents.

View Policy Wordings

View Premium Table

View Product Factsheet

Eligibility

The Insured must be:

• American Express Cardmember

• A Hong Kong citizen or resident in Hong Kong

• Holding a valid Hong Kong Identity Card

• With a permanent address and live in Hong Kong as a usual place of residence

• Aged between 18 to 65 years

Important Notes

Cover is available for aged between 15 days and 65 years and the maximum renewal age is up to aged 100 years.

The insured person must be a Hong Kong citizen or resident holding a valid Hong Kong Identity Card, with a permanent address and live in Hong Kong as a usual place of residence and will not consecutively stay in other country for over 120 days a year.

The reimbursement of all eligible medical expenses will be up to 100% for hospital confinement under semi-private room or ward. If the insured person confines in a hospital for private room, the reimbursement of all eligible medical expenses will be reduced to 30% and 50% under Standard Plan and Premier Plan respectively. No benefit shall be payable for insured person confined in a suite, VIP or deluxe room or equivalent.

The pre-admission assessment service for the direct settlement of hospitalization and surgical charges arrangement is available for private hospital admission in Hong Kong only while the insurance payment must be settled by American Express^® Card. For any non-eligible medical expenses, insured person is required to authorize Zurich Insurance Company Limited to collect shortfall of medical expenses (if any) from the designed American Express Card account.

If the insured person sustains any accident or illness after leaving Hong Kong for over 90 days, this policy will not cover any claim incurred overseas.

The premium will be adjusted when the insured person enters a new age bracket upon renewal, according to the premium table or any subsequent adjustment.

If no claim has been made in the period of insurance, the insured person will be entitled to 2% no claim premium discount at the annual renewal and the no claim discount can be accumulated up to a maximum of 8% in the third no claim year.

For insured person whose occupation involves jobs that engage principally in the use of light machinery or engines (e.g. electrician, cook, baker, private car driver, etc.), handle heavy machinery at a regular basis, requiring high degree of physical exertion or working in extra hazardous environments (e.g. delivery worker, interior decorator, transportation contractor, etc.), the premium is subject to the approval of Zurich Insurance Company Limited.

All amendments to the insurance benefits will only be accepted upon policy anniversary and must be subject to the approval of Zurich Insurance Company Limited.

Zurich Insurance Company Limited reserves the right to revise the premium, add any new conditions and apply exclusions to the policy at the time of annual renewal.

Having questions in mind?

Relating to Coverage

American Express Medical Protector covers hospitalization outside Hong Kong for emergency condition. You can choose any hospitals in accordance to your plan and geographical area selected. However, if you are away from Hong Kong for more than 90 days, no benefits shall be paid. Also, any elective surgery or medical treatment outside Hong Kong is not covered unless pre-approval agreement is obtained from Zurich Insurance Company Ltd.

You must be a Hong Kong citizen or resident in Hong Kong holding a valid HKID cards, with a permanent address and live in Hong Kong as a usual country for residence and not staying outside Hong Kong for more than 120 days consecutively per year, and aged from 15 days to 64 years old (this plan is renewable up to aged 100 years). Zurich Insurance Company Ltd reserves the right of final approval of this Plan.

Please notify Zurich Insurance Company Ltd within 30 days after you have changed the "Usual Country of Residence" from Hong Kong, the insurance company may adjust the related terms and conditions or cancel the policy immediately based on each policy. In case the "Usual Country of Residence" has been changed without notifying the insurance company, Zurich Insurance Company Ltd reserves the right to decline any claims afterwards.

It requires at least 16 hours of hospitalization which has to be continuous until discharged from hospital. The treatment or operation in hospital should be a medically necessary one and advised by doctor.

It bases on the plan level and types of room chosen for the calculation and the definition of room is well defined in the Policy Provisions. If the selected room types are semi-private or ward, you are entitled to 100% reimbursement of the reasonable and customary inpatient charges including surgical fees. However, if private room is chosen, the reimbursed percentage will be based on the percentage payable as stated in the Policy Provisions. In case of any dispute over the definition of room type, Zurich Insurance Company Ltd reserves the right of final decision so as the reimbursed amount.

It means any injury, sickness, condition for which the insured person showed symptoms or has received medical consultation, diagnosis, treatment or advice or took prescribed drugs or medicine for a period of time of which the insured person was aware of or could reasonably be expected to be aware of before the policy effective date, or the date of reinstatement or upgrade effective date. Unless such conditions have been fully disclosed on the application form and accepted by Zurich Insurance Company Ltd in writing and the policy document does not expressly exclude treatment relating to such pre-existing condition.

Pre-existing conditions are commonly excluded in medical and hospitalization policies because the rationale of insurance is to indemnify insured from unforeseen or unpredictable medical conditions. Therefore, it is usual to exclude injuries or sicknesses which occur, exist, commence or present signs or symptoms before the commencement of the policy coverage.

Medical insurance normally has a term "waiting period" which means no coverage on any illnesses will be offered during that period. Please take notice that for illnesses that are endorsed as exclusion at the inception of policy, they will not be covered under the policy at any time even after the waiting period.

The sickness listed as exclusions are mostly common chronic illnesses with incubation period ranging from six months to one year. Incubation periods vary greatly for different diseases, some require longer time for symptoms and signs to be first apparent. In general, those illnesses excluded during the first year are believed to have a longer incubation period (e.g. gall bladder calculi, diabetes mellitus, cataract, tumors of internal organs).

No. Any claims in relation to pregnancy, childbirth (including diagnostic tests for pregnancy and surgical delivery), miscarriage, abortion and pre-natal or postnatal care are excluded.

No. According to the definition of "hospital" in the policy document, "hospital" does not include a rest or convalescent facility, or similar establishment

The plan aims to indemnify insured the cost of hospitalization raised from accident and illnesses. Like other medical insurance plans offered in the market, there are certain items that will not be covered, such as:

any pre-existing condition
inoculations or general check-up
cosmetic surgery or plastic surgery
rest care or sanitaria care
any condition resulting from pregnancy, AIDS, psychosis, dental treatment of any nature whatsoever
pre-natal care and post-natal care
Non-emergency overseas treatment planned for in advance
Professional or hazardous sports or pastimes such as climbing, mountaineering, pot-holing, skydiving, parachuting, hang-gliding, para-sailing, water skiing, ballooning, all diving, racing of any kind other than on foot, hunting.

All exclusions are listed in the policy documents which also provide Chinese version. If you have any enquiries, please feel free to contact Zurich Insurance Company Ltd at 2903-9446.

The same sickness or injury, or a continuous sickness or injury are treated as the same sickness or injury, unless they are caused by totally unrelated causes, or they are separated by 90 days following the latest discharge from hospital or last consultation or the latest date receiving medical treatment .

Medical expenses incurred as a result of physiotherapy treatment or medical check-up are not covered. This plan only covers for the medical expenses incurred as a result of injury or sickness and treatments provided which are medically necessary.

Yes. According to Section 2.5 "Out-patient Surgery", you can claim for the surgical fees, operation theatre fees or anesthetist's fees of a minor surgery done in hospital clinic or registered clinic.

Relating to Enrollment

Applying for American Express Medical Protector is simple and easy. You are not required to have medical check-up which means you are free from any additional medical check-up fee.

This plan does not cover any pre-existing conditions of any illness or injuries. It also subjects to the underwriting result of Zurich Insurance Company Ltd and the company will take reference of medical report certified by doctor if necessary.

You need to declare the related medical or hospital cash insurance to Zurich Insurance Company Ltd for underwriting purpose. You can also apply for this plan if the application is accepted after underwriting.

Yes. Zurich Insurance Company Ltd will base on your past and current health condition and consider whether to accept your application. Any pre-existing conditions will not be covered when you apply for this plan.

Relating to Premium

Yes, Zurich Insurance Company Ltd will allow you 31 days for the payment of each premium after the first premium. During that time your policy will be kept in force.

As the chances of being ill are higher when you are getting older, so the premium charged is based on different age ranges. In general, the earlier you enroll for the plan, the better the protection will be, as the pre-existing conditions are supposed to be less when you are younger. Therefore, customers are suggested to enroll for the medical insurance as soon as possible.

Of course we hope you keep using our card. However, you can contact Zurich Insurance Company Ltd to arrange other mode of payment, in case your American Express® card has been cancelled.

Claims

This plan provides insured person with "Pre-admission Assessment Service". Service provider of Zurich Insurance Company Ltd will settle all the eligible in-patient medical expenses incurred in the private hospitals in Hong Kong. However, please be reminded that you have to apply for the service at least 3 working days before hospital admission with all required documents submitted, which application is subject to approval. Otherwise, you need to settle the hospital bill first and then make a claim later.

You can return the completed Hospitalization Claim Form together with the supporting documents within 30 days from the date of treatment in hospital to Insurance Claim department of Zurich Insurance Company Ltd for the claim. The related claim process will be completed in 7 working days if all documents required are submitted and the claim is under the coverage of this plan. In case it is needed to submit further documents for the claim, staff of Zurich Insurance Company Ltd will follow up with you.

As surgical expense cover is on reimbursement basis, you cannot claim the extra benefit from this plan after you have reimbursed the expense in total from a third party. Conversely, this plan will pay for the remaining expenses which have not be reimbursed by other insurance plans, provided that the claim is eligible and under the coverage of this plan according to the terms and conditions.

Zurich Insurance Company Ltd will calculate the eligible claim amount according to medical receipts supplied by you and related coverage items of the plan. Then, the "voluntary deductible" amount will be deducted from the total eligible claim amount, and this will be actual claim amount to you.

Please return the Hospitalization Claim Form completed by you and your attending medical practitioner together with all related documents such as medical report etc. In general, original copies are required to submit a claim. Please refer to the Part 7 - "Claims Procedure" of the Policy Provisions for more information.

It is not required to notify Zurich Insurance Company Ltd if you depart from Hong Kong for a short overseas trip. Please note that this plan only covers those who stay overseas not more than 90 days and the medical expenses incurred by emergency hospitalization, which is caused by accident or sickness. In case you station in or migrate to another country for a long period of time, please notify Zurich Insurance Company Ltd within 30 days after you have changed the "Usual Country of Residence" from Hong Kong to another country, the insurance company may adjust the related terms and conditions or cancel the policy immediately based on each policy. In case the "Usual Country of Residence" has been changed without notifying the Zurich Insurance Company Ltd, the company reserves the right to refuse any claims afterwards.

Relating to Renewal

You will receive the renewal notice one or two months before the policy anniversary. If you decide not to renew the policy, a thirty days' written notice must be given to Zurich Insurance Company Ltd or else the policy will be renewed automatically. If the policy is cancelled after the policy anniversary, the paid premium for the unexpired policy period of this policy will be refunded in accordance with the charges indicated below.

Covered Period	Charges of Premium
2 months or below	40%
3 months	50%
4 months	60%
5 months	70%
6 months	75%
Over 6 months	100%

If the policy is paid on monthly basis and you decide to cancel the policy within the period of insurance, Zurich Insurance Company Ltd will not refund the paid premium. However, you have to settle the premium of the unexpired policy period if any claim is made or any service is used.

Yes, a thirty days' written notice must be given to Zurich Insurance Company Ltd if you decide to cancel the policy, the paid premium for the unexpired policy period of this policy will be refunded in accordance with the charges indicated below. If the policy is paid on monthly basis, Zurich Insurance Company Ltd will not refund the paid premium. However, you have to settle the premium of the unexpired policy period if any claim is made or any service is used.

Covered Period	Charges of Premium
2 months or below	40%
3 months	50%
4 months	60%
5 months	70%
6 months	75%
Over 6 months	100%

The "No Claim Discount" of this plan will be calculated each policy year. If no claim has been made in the policy year, your insurance premium will be discounted for the following years upon renewal, with 2% in the first no claim year, followed by 5% in the second no claim year, and accumulated up to a maximum of 8% in the third no claim year. If a claim has been made before the policy anniversary, the no claim discount on the renewal premium of the following policy year will be decreased to 0%.

You can change your current plan level or "voluntary deductible" option at policy anniversary date. If you choose to change from a lower plan level to a higher plan level or reduce the "voluntary deductible" amount, it is required to go through underwriting process again. However, if you choose to change from a higher plan level to lower plan level or increase the "voluntary deductible" amount, underwriting is not required for this change.

This plan is renewable up to 100-years old. For the benefit of most of the customers, Zurich Insurance Company Ltd will evaluate policy conditions from time to time. In case of any abusive claim, overdue payment, or fraudulent claim etc., Zurich Insurance Company Ltd has the right to terminate the policy. Moreover, at the time of renewal the premium rate should be adjusted automatically as you enter into the next age band, and Zurich Insurance Company Ltd reserve the right to amend any terms and conditions or exclusions of the policy.

About Zurich

Being part of Zurich Insurance Group ("Zurich"), Zurich Insurance (Hong Kong) offers a full range of flexible general insurance and life insurance products for individuals as well as corporate customers, catering to their insurance, protection and investment needs. Our presence in Hong Kong dates back to 1961. We are one of the top five general insurance providers in Hong Kong*.

Zurich is a leading multi-line insurer that serves its customers in global and local markets. With about 54,000 employees, it provides a wide range of property and casualty, and life insurance products and services in more than 210 countries and territories. Zurich’s customers include individuals, small businesses, and mid-sized and large companies, as well as multinational corporations. The Group is headquartered in Zurich, Switzerland, where it was founded in 1872. The holding company, Zurich Insurance Group Ltd (ZURN), is listed on the SIX Swiss Exchange and has a level I American Depositary Receipt (ZURVY) program, which is traded over-the-counter on OTCQX. Further information about Zurich is available at www.zurich.com.

* Source: Insurance Authority, based on gross premiums, 2018.

We're here if you need us

American Express and Zurich Insurance Company Ltd ("Zurich") work together to deliver quality insurance products to our customers. Zurich is committed to providing you with a high level of customer service. Contact Zurich for enrollment or further information about American Express Medical Protector.

Hotlines

Sales Enquiry Hotline: (852) 2903 9432
Custome Service Hotline: (852) 2903 9486

Service Hours:

9:00 a.m. to 5:30 p.m., Monday to Friday (except public holiday)

E-mail

For New Customers: consumer@hk.zurich.com

For Existing Customers: enquiry@hk.zurich.com

Company Website

Address

Zurich Insurance Company Ltd
25-26/F, One Island East
18 Westlands Road, Island East
Hong Kong

If you wish to make a claim, please simply follow the below steps:

Complete Part I³ & Part II³ of the Hospitalization Claim Form by you and your attending medical practitioner;
Enclose related documents such as but not limited to the original receipts and other supporting documents, e.g. medical reports, doctor’s referral letter, etc.;
Please refer to Part 7 of the Policy Provisions for specific documents which is necessary for you to provide for each respective area of claims;
Return the completed Hospitalization Claim Form with supporting documents within 30 days from the date of treatment in hospital to:
Zurich Insurance Company Limited
25-26/F, One Island East, 18 Westlands Road, Island East, Hong Kong

How To Apply For Direct Settlement Service?

If you wish to use the pre-admission assessment service and arrange direct settlement for hospitalization and surgical charges, please follow the below steps:

Complete Part I³ & Part II³ of the Pre-admission Assessment Application Form by you and your attending medical practitioner.
Email to Zurich at zurich-cs.hkz@hk.zurich.com at least 3 working days prior to hospital admission.
The result of the pre-admission assessment will be notified to you within 3 working days after the receipt of your application form.
Once the pre-admission assessment application is approved, the service provider rendered by Zurich Insurance Company Limited will contact the hospital for direct settlement arrangement and you need not settle the hospitalization and surgical charges upon discharge.
Complete Part I³ & Part II³ of the Hospitalization Claim Form by you and your attending medical practitioner and email to the above contacts within 14 days after discharge from hospital.

Notes:

The result of the pre-admission assessment is based on information provided on the application form. The actual reimbursement is subject to the information supplied on the claim form, actual situation and details of the insurance coverage, exclusion clauses, terms and conditions stated in the policy and any other relevant documents.
You will be required to provide treatment information and authorize Zurich Insurance Company Limited to collect shortfall of medical expenses (if any) from your American Express Card account designated by yourself. If hospitalization is due to illness / disability classified under exclusion clauses, the pre-admission assessment application will not be accepted.
Part I under the Pre-admission Assessment Application Form / Hospitalization Claim Form should be completed by you and Part II by your attending medical practitioner, at your own cost.

Ready to apply?

Embrace life with care today!

Enroll Now #

(852) 2903 9432^#

# Please note that this hotline is handled by Zurich Insurance Company Ltd, the underwriter of American Express Medical Protector.

Service Hours:

9:00 a.m. to 5:30 p.m., Monday to Friday (except public holidays)

Zurich Insurance Company Ltd (“Zurich”) (a company incorporated in Switzerland with limited liability) is the insurance underwriter of American Express Medical Protector (“this Plan”) and solely responsible for all coverage and compensation. Zurich is not a subsidiary or an affiliate of American Express International, Inc. (“We/we/us”). Zurich reserves the right of final approval of this Plan. The above information is only a summary and does not constitute any part of the contract. For details, please refer to policy terms and conditions and exclusion clauses of this Plan and the above description is neither an offer to sell nor a solicitation to purchase any particular insurance product.

We identify insurance providers and products that may be of interest to you. In this role we do not act as an agent or fiduciary for you, and we may act on behalf of the insurance provider, as permitted by law. We want you to be aware that we receive commissions from providers and commissions may vary by provider and product. Also, in some cases, an American Express entity outside of the country may be the reinsurer and may earn reinsurance income. The arrangements we have with certain providers, including the potential to reinsure products, may also influence what products we identify. Zurich and we only provide general advice and do not consider your objectives, financial situation or needs. We do not require you to purchase any insurance product, and you may choose to cover your insurance needs from other sources on terms they may make available to you.

In the event of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between us and the customer out of the selling process or processing of the related transaction, we will enter into a Financial Dispute Resolution Scheme process with the customer; however any disputes over the contractual terms of the product should be resolved directly between Zurich and the customer.

Medical Insurance Plan with Amex Medical Protector

Up to HK$5,000,000 sum insured

No sub-limits for all in-patient benefits with 100% reimbursement

Direct settlement of pre-approved in-patient medical expenses

Wide range of voluntary deductible options

Renewable protection up to 100 years old

Special care for children

Choices of Asia and worldwide plans

No claim discount

Extra family discount

Enrolment is simple and easy

Maximum Benefits for All Benefits

In-Patient Basic Benefits

Other Medical Treatment

Post-Surgery Cover

Worldwide Emergency Assistance

Voluntary Deductible (Optional)

Is the coverage only limited to the hospital confinement inside Hong Kong?

What are the age limitation and eligibilities of the plan?

If I have to station in or migrate to anywhere outside of Hong Kong, can I continue to enjoy the protection of this plan?

How long is it required for hospitalization in order to be eligible to claim?

What criteria are used for the 100% reimbursement for in-patient benefits including surgical fees?

What is pre-existing condition?

Why are pre-existing conditions not covered?

What is the waiting period?

Why are some sicknesses excluded during the first year and some excluded during the first six months?

Is hospitalization in relation to pregnancy covered under the policy?

Does the coverage include sanatorium?

What illnesses are excluded in the coverage?

If I have been hospitalized more than once due to the same sickness or injury, will it be treated as different cases for handling?

If I need to have a body check in a hospital, am I covered under this plan?

If I need to receive a minor surgery in a clinic, such as the excision of sebaceous cyst, can I claim for this?

Is medical examination required?

If I have suffered from a certain sickness or certain part of the body has been injured, can I apply for the "American Express Medical Protector"?

If I have enrolled in another medical or hospital cash insurance, can I apply for this medical insurance?

If I want to cancel my existing medical insurance from another insurance company and apply for "American Express Medical Protector", does it need to go through underwriting process?

Does "American Express Medical Protector" have any grace period?

Why does this plan charge premium according to different age ranges? If I have enrolled for the plan when I am in younger age, will the premium remain unchanged?

If I cancel American Express® Card later, how can I pay for the premium?

Do I need to pay for the medical expenses first when I am confined in hospital and make a claim later?

As an insured person, if I have not applied for the "Pre-admission Assessment Service" before hospitalization, how should I submit a claim?

In case the surgical expenses incurred have been claimed from the group medical insurance provided by my employer or another insurance company and get full reimbursement, can I still claim for the related surgical expenses from this plan?

If I have chosen "voluntary deductible" option, how the claim be calculated?

What documents and procedures are required to submit a claim? Are original copies required? Are true copies acceptable?

Should I notify Zurich Insurance Company Ltd when I depart from Hong Kong (include travelling to China and Macau) every time? If I forget to do so, will it impact my claim result or will the claim become unacceptable?

Do I need to renew the policy every year?

If I decide to cancel the policy, can I do it before the policy renewal date?

How to calculate "No Claim Discount"? If I have made a claim, will it impact the "No Claim Discount"?

Can I change the "voluntary deductible" option within the period of insurance or at policy anniversary date?

If I have made a claim, will the policy be guaranteed renewed? Is it guaranteed that the premium will remain unchanged?

Contact Zurich

Claims

Medical Insurance Plan
with
Amex Medical Protector