DBS Hong Kong | Consumer Banking | 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
The Hospitalisation Benefit of the policy will be guarantee renewed throughout your life 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 Insurancem^# (Optional)
As low as HK$3 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:

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

MSIG - the power to protect you
MSIG Insurance (Hong Kong) Limited (hereunder called "MSIG") has been providing general insurance solutions and products to its customers in Hong Kong for more than 120 years, with a network of operations dating as far back as 1880.
In Hong Kong, MSIG, a wholly-owned subsidiary of one of the largest general insurers in Asia, Mitsui Sumitomo Insurance Co Ltd (MSI), is highly reputed for its long-standing industry experience and market knowledge.

Application

Terms and Conditions:

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").
The Bank reserves the right to change the offer without prior notice. In case of disputes, the decision of the Bank shall be final and binding.
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.
During the insured period, any changes of insured details such as address change must immediately inform MSIG, otherwise MSIG reserves the right to decline any claims the insured made.
This insurance will be renewed automatically on a yearly basis upon policy expiry date and premium will be deducted from the account the insured is provided unless a written termination notice is given by the insured to MSIG.
Eligibility: Eligible insured persons must be living or working in Hong Kong.
Age Limit for Enrolment: 15 days - aged 59.
Policy Effective Date: The 1st calendar day of the following month upon approval.
Major Exclusions: Pre-existing conditions, dental treatment, routine check-up, dangerous sports, pregnancy or childbirth, congenital and hereditary conditions, etc.

^ 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.

# 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.
Lady Care Insurance is a rider benefit of Critical Illness Insurance and cannot be subscribed separately. Benefit paid for Lady Care Insurance will reduce the overall maximum limit for Critical Illness Insurance.