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Platinum China Medical Card Insurance Plan
Platinum China Medical Card Insurance Plan
OCBC Wing Hang Insurance Agency Limited (“OCBC Wing Hang Insurance Agency”) is a wholly-owned subsidiary of OCBC Wing Hang Bank Limited (“OCBC Wing Hang”).
   
The Plan is underwritten by Liberty International Insurance Limited ("Liberty International Insurance") which is authorized and regulated by the Insurance Authority of HKSAR. Liberty International Insurance will be responsible for providing your insurance coverage and handling claims under your policy. OCBC Wing Hang and OCBC Wing Hang Insurance Agency are registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agents of Liberty International Insurance for distribution of general insurance products in the HKSAR.
   
Platinum China Medical Card Insurance Plan* (“The Plan”) is exclusively designed for frequent cross-border travellers. In the unfortunate event of accident or illness requiring hospitalization in China, the insured person presents only a valid Platinum China Medical Card and can be admitted to over 100 appointed hospitals. Liberty International Insurance Limited will settle the medical expenses for you directly#. For staying in any other non-appointed hospital, Liberty International Insurance Limited will provide guaranteed deposit for hospital admission up to HK$39,000.
   
Other benefits under the Plan include: personal accident, medical expenses, emergency evacuation, compassionate visit and personal liability. The 24-Hour Emergency Assistance Hotline is available to provide free referral assistance related to medical, legal and interpretation services*.
   
 
Benefits and Coverage
Section
Coverage
Maximum benefit per Insured Person (HK$)
Plan 1
Plan 2
1. Personal Accident
Accidental death in Mainland China or Worldwide
Including accidental death and permanent total disablement
500,000
300,000
2. Medical, Evacuation, Repatriation and Related Expenses (Mainland China cover)
Medical expenses
The cost of qualified medical treatment, surgery and hospitalization arising from illness or accidental injury during your trip.
Follow-up medical, hospital and treatment expenses reasonably incurred within 90 days of returning to Hong Kong SAR (subject to the above maximum limit)
500,000




125,000
300,000




75,000
Compassionate transfer
Ambulance service to transfer you directly from hospital to point of railway, ferry harbour or airport upon discharge from hospital.
150/time
Compassionate visit
The transportation and accommodation expenses incurred for a family member or a friend to visit and take care of you if you are confined in the hospital for more than 7 days. Subject to a maximum of HK$1,000 per day for accommodation.
15,000
10,000
Emergency medical evacuation
The cost of emergency evacuation arising from illness or accidental injury during your trip.
Actual Cost
Repatriation of mortal remains
The reasonable cost of transport of mortal remains to Hong Kong SAR
Actual Cost
Return of unattended children
The reasonable cost incurred to bring the unattended accompanying child (below the age of 17) back to HKSAR if you are seriously injured or sick or die during your journey.
15,000
10,000
Hospital Admission Guarantee
The admittance deposit for hospitalization in the event of accident bodily injury or sickness
39,000
3. Personal Liability
Your personal liability in respect of injury and property damage to third parties, including legal costs and expenses incurred.
2,000,000
1,000,000
4. 24-Hour Emergency Assistance Hotline
Free medical, interpretation and legal services referral*. (*These are referral service only. You will have to bear the cost incurred for the actual services provided)
Free
   
 
   
  The Insurance Authority will collect a premium levy from policy holders in accordance with the law. For further information, please click here for details.
   
  #Medical expenses coverage is subject to the maximum limit, terms and conditions as specified in the relevant policy document for the Plan.
   
  *Important Notice:
 
  • Persons aged between 18 and 70 years are eligible for application.
 
  • The proposer and the insured person must both have a valid HKID card.
 
  • Maximum duration for every single trip is 100 days. No limit on number of trips per year.
 
  • In the event that 100% of the sum insured be paid under Personal Accident section, the Policy shall then immediately cease to be in force.
 
  • The referral service is an arrangement service only. The insured person shall bear the related cost.
 
  • Minimum premium per insured person is HKD200.
   
  *Major Exclusion from the insurance coverage:
  Accidents caused by war, injury or illness sustained before travelling, injury or illness caused by childbirth, alcoholism or abuse of drugs, or travel against the advice of medical practitioner or the purpose of obtaining medial treatment.
   
  The above information is for reference only. Please refer to the insurance policy for terms and conditions. Where there is any discrepancy or inconsistency between the above information and the terms and conditions of the insurance policy, the latter shall prevail.
   
  The product is a product of insurance company or insurer but not OCBC Wing Hang Bank Limited or OCBC Wing Hang Insurance Agency Limited
   
  In respect 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 the OCBC Wing Hang Bank Limited, OCBC Wing Hang Insurance Agency Limited and the customer out of the selling process or processing of the related transaction, OCBC Wing Hang Bank Limited and OCBC Wing Hang Insurance Agency Limited are required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved between directly Liberty International Insurance Limited and the customer.
   
 
For more information on our insurance products, please contact us.
Hotline: (852) 2272 8893
Fax: (852) 2854 1103
Email: enquiry@ocbcwhins.com or visit any branches of OCBC Wing Hang for enquiry
   
 
   
 

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