Thematic interviews
Written by: Jingjing He
2020-02-21 18:00
Last updated: 2020-02-21 18:00The pneumonia epidemic in Wuhan has continued to spread, and insurance companies have also introduced additional protection against new coronaviruses. As of now, at least 17 insurance companies in Hong Kong have provided additional protection against the outbreak, including Avo, Bowtie, Blue, AIA Hong Kong, Prudential Insurance, Manulife Hong Kong, AXA AXA, Hong Kong Life, FWD Hong Kong, BOC Life, Fortis Insurance, HSBC Insurance, Hang Seng Insurance, Bupa Hong Kong, Wantong Insurance, Sun Life Financial, Cigna Hong Kong.
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It is worth mentioning that three companies also provide additional protection to non-insured persons. AXA provides free hospitalization guarantee of 10,000 yuan and death protection of 100,000 yuan for all full-time, part-time and contract systems under the Hospital Authority, covering various service positions, without prior registration. Avo provides registered medical personnel with a limited amount of free New Crown Pneumonia coverage, including hospital cash and death benefits. Wantong Insurance previously announced that Hong Kong and Macao residents who have successfully registered will receive free hospital cash allowances for a total of 30,000 places and will receive up to 27,000 "free hospital cash allowances".
The additional protection of insurance companies is usually hospital cash protection, and some insurance companies provide additional protection for mandatory isolation and death. (See the table below for details)
Additional insurance coverage for insureds with confirmed new coronavirus. (HK01)
For additional protection from insurance companies, please contact the insurance company for details:
AIA Hong Kong
If the group and individual customers are infected with the new coronavirus and need to be quarantined, a one-time "diagnostic compensation" of 15,000 yuan will be provided; new personal insurance customers can receive a daily "isolation compensation" of 700 yuan for up to 30 days; If a customer dies after contracting a new coronavirus, he will receive a death benefit of 150,000 yuan.
Hong Kong Life
Customers of any of Hong Kong Life's plans who are unfortunately diagnosed with "new coronavirus infection" and are admitted to a public hospital in Hong Kong will receive a free additional hospital cash protection of 1,000 yuan per day, with a maximum compensation period of 30 days and a ceiling of 30,000 yuan; If the customer dies unfortunately, an additional death benefit of 100,000 yuan will be awarded.
FWD Hong Kong
Existing customers of personal medical and critical illness policies, and customers who have insured new personal medical, critical illness, designated savings and annuity policies from January 23 to April 30 this year, if diagnosed and need to be admitted to hospital, provide 5,000 yuan per week 8. Cash protection for up to 8 weeks; and advance cash for hospitalization. Once confirmed, you can advance cash for 4 weeks of hospitalization and receive a lump sum of 20,000 yuan in cash. If the government is forced to isolate it, each case will receive special cash protection of 4,000 yuan. If the insured person is diagnosed, his or her family needs to be quarantined compulsorily, and he or she will receive a cash protection of more than 3,000 yuan.
BOC Life
All personal insurance customers who need to be hospitalized if they are unfortunately diagnosed with the "new coronavirus" during the coverage period, BOC Life will provide each insured with an additional daily hospital cash protection of RMB 500 for 40 days during the hospitalization period; "Cash Protection" customers will be forcibly quarantined by the Hong Kong government for suspected infection or confirmed "new coronavirus" during the protection period, and will receive a subsidy of 2,000 yuan.
Additional protection provided by insurance companies usually includes hospital cash protection. (Profile picture)
Baotai Life
Introduce additional protection against new pneumonia for all existing customers, including full payment for lung tests, hospital cash allowance to cover periods of quarantine, and simplified claims procedures. In addition, if the insured person needs to be hospitalized due to infection with pneumonitis caused by the new coronavirus or is suspected to need to live in a quarantine dormitory, each person will receive a daily allowance of 600 yuan, the maximum is 30 days.
Fortis Insurance
During the coverage period, if the customer is diagnosed with the new coronavirus and needs to be hospitalized, during the hospitalization period, a hospitalization cash protection of 4,000 yuan per week is provided for up to 8 weeks, and the less than one week is calculated as one week.
HSBC Insurance
All customers holding HSBC Life insurance policies and their family members can enjoy the special protection provided by the new Coronavirus for free for one year. If the customer is diagnosed and needs to be hospitalized, the daily cash protection for hospitalization is 1,000 yuan, up to 45 days, and the grace period for premiums due in the next 12 months is extended to 180 days. For new policies insured from February 1st to April 30th this year, customers and their families will receive additional diagnostic protection and death protection in the first policy year. If a new type of coronavirus is diagnosed, a lump sum of 20,000 yuan will be paid; if it dies, an additional 180,000 yuan will be paid for death.
Hang Seng Insurance
As of June 30, existing customers who had been issued personal insurance policies before February 5th, if confirmed and admitted to the hospital, will receive additional hospital cash protection of 1,000 yuan per day, up to 45 days, or 15,000 yuan in one lump sum (higher As of April 30th, after the cooling-off period, individual customers who have successfully insured will receive a diagnosis compensation of more than 50,000 yuan if they are diagnosed and admitted to the hospital.
AXA provides additional protection for HA staff. (Profile picture)
Bupa Hong Kong
As of May 31, all existing customers who have unfortunately been diagnosed with the new coronavirus during the special coverage period and are required to be hospitalized for medical treatment, regardless of whether the insured person has hospitalization cash protection, can immediately enjoy up to Bupa for 45 days is free of extra cash protection for hospitalization, the amount is 800 yuan per day; all hospitalization and related treatment costs for the "new coronavirus" are covered.
An Sheng
As of April 30, all insured life insurance or medical policy insureds, as well as employees and family members of the employee benefits hospitalization insurance policy, will be automatically and instantly entitled to free additional hospital cash protection if they are diagnosed with the new coronavirus and need to be hospitalized. It is 700 yuan per day for 45 days.
In addition, AXA provides free hospitalization guarantee of 10,000 yuan for all full-time, part-time and contract systems of the Hospital Authority, covering employees in various service positions (including doctors, nurses, full-time medical grades, patient service assistants, and ward clerks, etc.) And 100,000 yuan death protection, no need to register in advance, the protection period is until April 30.
Metrohm Insurance
Free hospital cash allowance for all personal insurance policy insureds, 600 yuan per day, up to 45 days.
In addition, for successful registration of Hong Kong and Macao residents, free hospital cash allowance will be provided. If a new type of coronavirus pneumonia is confirmed, during the hospitalization period, a daily cash allowance of HK $ 600 will be provided for up to 45 days. The "Free Hospital Cash Allowance" will accept Hong Kong and Macau residents registration from noon every day from February 20 to 24. Hong Kong and Macau residents only need to log in to the designated online platform, enter the required information, complete the registration, and the fee is free. 6,000 registered places are available daily on a first come, first served basis.
Prudential Insurance
As of April 30, all insured persons of Prudential Life insurance policies, insured persons / insured employees and dependents of Prudential Personal and Group Medical Hospitalization policies, including existing customers and new customers, if unfortunately diagnosed with the new coronavirus and If you need to be hospitalized, you will automatically and immediately get free extra hospitalization cash protection, which is 600 yuan per day for up to 45 days without waiting period.
Avo introduces a limited-term new crown pneumonia coverage for three months. (Profile picture)
Manulife Hong Kong
Existing and new customers of all personal financial insurance products and group medical hospitalization policies, from now until April 30, can receive additional hospitalization protection of 600 yuan per day for up to 45 days. At the same time, one-off cash protection is provided for the family members of the compulsory isolation and diagnosis of the insured.
Sun Life Finance
As of the end of April, customers of the designated health protection plan were diagnosed and hospitalized, and the premium for the next year will still be entitled to a no-claim discount.
Cigna Hong Kong
Cigna Medical Reimbursement Insurance Plan (including Voluntary Health Insurance Series or Medicare Series) policy holders or local employee protection plan members who require quarantine due to suspected or confirmed infection (ie at least 24 hours in the government isolation ward, designated Quarantine location or home quarantine), you can enjoy an additional one-time 2,000 yuan compulsory quarantine cash protection. If the client needs treatment for new coronary pneumonia, the related eligible inpatient and outpatient expenses can be compensated according to the relevant policy terms and conditions of the policy holder or plan member according to the relevant protection items.
In addition, customers of "Prestige Medical Insurance" who are unfortunately diagnosed with the new coronavirus and need to be hospitalized will receive a daily hospitalization cash protection of 2,000 yuan (up to 45 days). In addition, the plan also provides 2,000 yuan of compulsory quarantine cash per day (maximum of 14 days per quarantine). Customers who require hospitalization, quarantine or home quarantine can receive this protection.
Blue
As of April 30, if customers hold existing and new policies of "WeCare Periodic Life Protection Plan 1", "WeCare Critical Illness Protection Plan 1" and "WeCare Personal Accident Protection Plan 1", they can get new coronavirus protection for free If the insured person is diagnosed with the new coronavirus during the effective period and provides medical evidence to confirm such diagnosis, he will receive a compensation of HK $ 10,000.
Safety insurance
Free qualified new crown pneumonia protection is provided to qualified medical personnel registered on the Avo insurance website for a period of 45 days (including a 14-day waiting period). If the insured person needs to be hospitalized due to infection with new coronary pneumonia during the coverage period, he will receive a daily hospital cash of HK $ 500, up to 30 days; if he dies unfortunately due to new coronary pneumonia, he will receive a death benefit of HK $ 50,000 Pension.
In addition, there is a limited-time new crown pneumonia protection that is suitable for mass purchase. The coverage period is three months and the premium is HK $ 500.
Medical insurance
