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MediGuard
A healthy life is a wealthy life.
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A healthy life is a wealthy life.
While working day-in day-out towards a better life for your loved ones, have you overlooked your own health and well-being?
To avoid the burden of medical expenses, you need more than a healthy life style - You need MediGuard Protection Plan.
MediGuard offers you the most comprehensive protection for hospitalization as well as outpatient and specialist consultation. In addition, MediGuard carries various benefits and discounts on medical services, giving the best care to both your health and your wealth.
Choose your own medical service
Customers are free to choose their most trusted hospitals, clinics and doctors.
Comprehensive cover
- MediGuard covers medical expenses of inpatient hospitalization as well as outpatient and specialist consultation.
- Admission deposits are waived at major hospitals in Macau and Hong Kong.
- Check-ups before and after hospitalization are covered.
- 85% high reimbursement ratio.
24-hour worldwide assistance
In case you need medical assistance while traveling abroad, you can always call our 24-hour Worldwide Assistance Hotline. Specialized staff stationed in the assistance center can give you valuable help such as medical advice and emergency evacuation assistance.
MediGuard bonus as high as 10%
If the total claims amount in a policy year is less than 15% of premium paid, the customer will receive a special MediGuard bonus of 5% in the subsequent year. This bonus can be accumulated up to 10% if the customer maintains a claims history below 15%.
Table of benefits (MOP) (Maximum reimbursement amount per incident)
| Items | Classic Plan | Golden Plan | V.I.P Plan |
| Operation | |||
| Includes surgeon's fee (subject to surgical schedule), anesthetist's fee & operating theatre fee |
24,000 | 51,000 | 108,000 |
| Miscellaneous hospital expenses | 7,500 | 15,000 | 30,000 |
| Daily room and board (max. 60 days) |
500 | 1,000 | 2,000 |
| Daily intensive care unit (max. 10 days) |
1,000 | 2,000 | 4,000 |
| Daily physician's / specialist's fee (max. 60 days) |
300 | 600 | 1,200 |
| Pre-hospitalization check up (within 30 days advance) |
-- | 1,000 | 2,000 |
| Post-hospitalization check up (max. 4 visits) |
-- | 1,000 | 2,000 |
| Daily clinical consultation (max. 3 visits / month) |
-- | 150 | 250 |
| Daily specialist consultation (max. 5 visits / year) |
-- | 300 | 500 |
| Annual clinical surgery fee | -- | 2,000 | 4,000 |
Premium (MOP)
|
Classic
Plan
|
Golden
Plan
|
V.I.P.
Plan
|
|||
Age
|
Annual
|
Monthly
|
Annual
|
Monthly
|
Annual
|
Monthly
|
0 ― 9*
|
1,388.20
|
119.60
|
4,011.80
|
344.10
|
8,094.10
|
695.10
|
10 ― 17
|
1,188.20
|
102.00
|
3,188.20
|
273.50
|
5,823.50
|
500.00
|
18 ― 24
|
1,094.10
|
94.10
|
3,811.80
|
326.50
|
6,270.60
|
538.20
|
25 ― 29
|
1,129.40
|
97.10
|
4,270.60
|
366.70
|
6,823.50
|
585.30
|
30 ― 34
|
1,152.90
|
99.00
|
4,423.50
|
379.40
|
7,082.40
|
607.80
|
35 ― 39
|
1,258.80
|
107.80
|
4,858.80
|
416.70
|
7,352.90
|
631.40
|
40 ― 44
|
1,529.40
|
131.40
|
5,094.10
|
437.30
|
7,717.60
|
662.70
|
45 ― 49
|
1,835.30
|
157.80
|
6,129.40
|
526.50
|
9,494.10
|
814.70
|
50 ― 54
|
2,223.50
|
191.20
|
7,411.80
|
636.30
|
11,470.60
|
984.30
|
55 ― 59
|
2,611.80
|
224.50
|
8,705.90
|
747.10
|
13,494.10
|
1,157.80
|
60 ― 64 **
|
3,035.30
|
260.80
|
11,282.40
|
968.60
|
17,482.40
|
1,501.00
|
65 ― 69 **
|
4,070.60
|
349.00
|
15,035.30
|
1,290.20
|
23,305.90
|
2,000.00
|
| * | Infants aged below 2 months are excluded from this insurance plan |
| ** | Premium rates for ages 60 - 69 are applicable for renewal customers only |
| Remarks: | |
| 1. | For hospitalization service outside Macau and Hong Kong, you need to contact the 24-hour worldwide assistance hotline for admission procedures. In case of emergency, where contact in advance is not possible, you should inform the assistance center within 24 hours after hospital admission. |
| 2. | Client’s 15% co-insurance share in reimbursable charges will be deducted in each claim. The minimum amount deductible for outpatient expense is MOP30 per claim. |
| 3. | For a complete description of terms and conditions, please refer to the policy. |
Easy Application
The application for MediGuard is very easy. You may simply:
1. Fill in the application form at any BCM branch; or
2. Call TeleBCM at 8796 8888 for enquiries and application.
Branch
Hotline 8796 8888
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