General Important Notice
Eligibility
1. Anyone aged between 18 and 59 years old (both ages inclusive); renewal up to 70 years old.
2. Child from the age of 30 days to 18 years old or 24 years old for those registered as full time students at an Educational Institution.
3. Policyholder must hold a Hong Kong Identity Card.
Notes
4. Pre-existing Conditions are not covered by this Policy. For the full list of exclusions, please refer to the Policy Wordings.
5. If the Insured Person reside outside of Hong Kong for more than 180 consecutive days, only 50% of the Daily Hospital Cash benefit will be payable. The maximum period payable for Hospitalisation in Mainland China is 30 days.
6. Either Daily Hospital Cash or Double Daily Hospital Cash (in ICU) will be paid for the same day of confinement. The maximum period payable for Hospitalisation in Mainland China is 30 days.
7. Illness occurred within 30 days of policy first effective date is not covered by this Policy.
8. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
9. Allianz Hospital Income Protect is underwritten by Allianz Global Corporate & Specialty SE Hong Kong Branch (“Allianz”) which is a general insurer authorized and regulated by the Insurance Authority of the HKSAR. Standard Chartered Bank (Hong Kong) Limited (“SCBHK”) is an insurance agent appointed by Allianz. To the extent permissible by law, SCBHK shall not be liable to any person for the use of any of the above information. The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product. The policy may contain terms and conditions which are not detailed in the above. Should there be any discrepancy between the information contained in the above and the terms of the policy, the terms of the policy shall prevail. For exact terms and conditions and details of the exclusions, please refer to the relevant policy or contact Allianz.
10. Any policy with policy inception date on or after 1 January 2018 is subject to the insurance levy. The premiums stated in the above tables are exclusive of levy collected by the Insurance Authority on relevant policy at the applicable rate. For further information, please visit https://www.agcs.allianz.com/global-offices/hong-kong/levy-notice.html or contact Allianz Customer Service Hotline (852) 8100 2402.
Automatic Renewal
Subject to the Terms and Conditions and the payment of premium, the policy shall be renewed with its payment of renewal premium being made at the expiry date unless a notice of cancellation has been received.
Policy Cancellation
This Policy may be cancelled by returning the policy within 14 days after its delivery or issuance (whichever is earlier) ("Free Look Period") with full refund of the paid premium and levy without interest. After Free Look Period, this Policy may also be cancelled at the request of the Policyholder in writing to Allianz, which the refunded premium and levy will be adjusted in pro-rata based on the part received or retained by the company or the minimum premium. Please read policy wordings for full details.
Major Exclusions
This policy does not cover any claims resulting from an Illness within thirty (30) days of the first effective date of the Policy. Besides, this Policy does not cover death or any Injury or Illness directly or indirectly caused whilst an Insured Person is performing occupational activities as police, professional sportsman, air/sea crew, construction worker. For details of all exclusions, please refer to the policy wordings.