MediSure Plus - Medical Insurance

MediSure Plus offers you comprehensive hospitalisation protection with critical illness cover to ensure you are well protected against illness.

Comprehensive hospitalisation cover with no sub-limits
MediSure Plus provides a comprehensive hospitalisation cover against illnesses and accidents, with maximum benefits up to HK$500,000 per year. There are no sub-limits on major benefits for Superior and Excel Plans.

Lifelong healthcare protection with guaranteed renewal
Guaranteed for life, the Hospitalisation Benefit of the policy will be renewed, regardless of your health condition and claims history.

Critical Illness Insurance Cover^{^} (Optional)
This Critical Illness Insurance covers the 12 most common critical illnesses. If you are unfortunately ascertained the diagnosis of one of the illnesses, you will receive a lump sum payment up to HK$500,000, to cover the substantial medical expenses.

Lady Care Insurance^{^} (Optional)
As low as HK$1.8 per day, you can enjoy a lump sum cover up to HK$100,000 for Lady Care Insurance, depending on the plan you have chosen. Please see below the cover details:

Medical Top-Up Plan^Δ << New >>
Medical Top-Up Plan is a supplementary cover to top up your existing group or individual medical insurance. This plan helps to ensure adequate protection at a lower premium by covering the outstanding amount beyond your existing group or individual medical insurance. You can also convert the Medical Top-Up Plan to Standard Plan at renewal without underwriting approval. In addition, it extends to provide Job Changer Hospital Benefit up to HK$20,000 during your job transition, giving you comprehensive medical protection at all time.

Note: This plan will compensate on the shortfall of other hospital and surgical insurance policy only. The compensation will not exceed 50% of each claim amount and subject to the maximum overall limit per year.

Free Medical Service^#
Every Insured Person can enjoy any one of the following services once per policy year:

Peace of mind
MSIG Insurance (Hong Kong) Limited (“MSIG”) is a wholly-owned subsidiary of MS&AD Insurance Group Holdings, Inc, one of the largest general insurers in Asia. MSIG’s network of operations date as far back as 1855 and we have been providing general insurance solutions and products to our customers in Hong Kong for more than 150 years. Having journeyed through various phases of changes and growth, we now have one of the most extensive distribution channels and largest general insurance networks in Asia.

Enrol Now

Call DBS MSIG InsureDirect on 3122 6868
Visit any of our branches

^ Critical Illness and Lady Care Insurance:

Waiting period: 60 days
Survival period: 21 days
Age limit for enrolment: aged 18 - 59
Age limit for renewal: aged 65
If you suffer from one of the 12 Critical Illnesses or one of the Female Illnesses and are entitled to a cash benefit as stated in the Sum Insured, once the full amount of the Sum Insured is paid, your Critical Illness benefit or Lady Care Insurance benefit will be terminated but you can still enjoy the protection of lifelong medical cover.

^Δ Medical Top-Up Plan

Age limit for renewal: aged 69
When Insured Person reaches 70 years old, the plan will be converted to Standard Plan automatically.
This benefit will become invalid if the Insured Person does not own a valid hospital & surgical insurance upon submission of claim.
Job Changer Hospital Benefit
Waiting period: 90 days
Maximum period of coverage: within 120 days from the date of termination of employment.
The Insured Person have to provide proof of termination of employment upon submission of claim.

# Free Medical Service ("The Service"):

The Service is provided by relevant suppliers. The Bank will not be responsible for the quality of services offered by them. Redemption letter will be sent to the customer by MSIG within 3 months after the policy inception date.
Customers will not be entitled to the offer if they withdraw or terminate their policies during the first year of cover. The Bank reserves the right to deduct the value of offer from the customer's account in such cases.

Terms and Conditions:
1.	DBS Bank (Hong Kong) Limited ("the Bank", which expression includes its successors and assigns) is an insurance agent authorised by MSIG Insurance (Hong Kong) Limited ("MSIG")
2.	MSIG reserves the right to change the offer without prior notice. In case of disputes, the decision of MSIG shall be final and binding.
3.	This document is not a policy of insurance. The above insurance product is underwritten by MSIG and it reserves the right of final approval. Please refer to the Policy (which will be issued to you upon acceptance of your application) for the Terms, Conditions and Exclusions or the Terms and Conditions are also available upon request.
4.	During the insured period, the Insured Person must inform MSIG immediately in case of any changes of Insured details such as address, otherwise MSIG reserves the right to decline any claims the Insured Person made.
5.	Unless a written termination notice is given to MSIG by the Insured Person, this Insurance will be renewed automatically on a yearly basis upon policy expiry date and premium will be deducted from the account provided by the Insured Person.
6.	Eligibility : Eligible Insured Persons must be living or working in Hong Kong
7.	Age Limit for Enrolment: 15 days to aged 59
8.	Policy Effective Date: The 1st calendar day of the following month upon approval
9.	Major Exclusions: Pre-existing conditions, dental treatment, routine check-up, dangerous sports, pregnancy or childbirth, congenital and hereditary conditions etc.