Question 1

Who can buy the Plan?

Accepted Answer

If you are the policyholder, you must be a Hong Kong identity card holder aged 18 or above with a residential address in Hong Kong in order to be eligible to buy the Plan. You must be in Hong Kong when you are applying for the Plan.

Question 2

Can I purchase the Plan for my family?

Accepted Answer

Yes. You can purchase the Plan for your spouse, your children and your parents. The Life Assured must be a Hong Kong identity card holder with a residential address in Hong Kong, they must be in Hong Kong when applying for the Plan.

Question 3

Do I need to have a group or individual outpatient coverage, prior to applying for the Plan?

Accepted Answer

Yes. You must have an in-force outpatient reimbursement plan and a successful claim from other insurer(s) at the time of claims for the Plan. This plan is providing the top up claim amount that are in excess of the claim paid by other insurer(s). The Top Up Outpatient Benefit is subject to the Maximum top up benefit per policy year, Maximum number of visits per policy year, Maximum number of visits per day, and Maximum top up claim amount per visit applicable to the selected plan level.

Question 4

What do I have to submit when I make the claim?

Accepted Answer

You would need to provide the medical receipt and claims statement of your outpatient reimbursement plan provided by other insurer(s) when you make your claim online.

Question 5

Is there any waiting period for the Plan?

Accepted Answer

There is no waiting period for the plan. You can make the claim once the policy is effective.

Question 6

Do I need to visit a doctor within network for the excessive medical expenses to be covered?

Accepted Answer

No. The Plan has no limitation on the registered medical practitioners in Hong Kong.

Question 7

Can I use the Plan to make a claim for the preferential consultation charge of WeMedi Outpatient Protector?

Accepted Answer

No. The Plan is only applicable to outpatient reimbursement plan provided by other insurer(s) and WeMedi Outpatient Protector is not such type of plan.