Catering to your surgical needs, we will pay you the Surgical Cash Benefit in a lump sum if the Insured undergoes a surgical procedure due to a Disability, whether on Inpatient or Outpatient basis. Over 350 surgeries under 3 surgical procedure categories could be claimed for up to 2 times in each Rider Policy Year, provided that the severity of surgery is categorized as Intermediate and/or above under the Schedule of Surgical Procedures of this Rider. This offers you extra financial support during your recovery journey. 

For the full list of all covered surgical procedures, you may refer to the Schedule of Surgical Procedures in the Rider provision for details.

In the unfortunate event of hospitalization, having extra support for your unexpected expenses can help you focus on your well-being without extra stress. To this end, the Rider offers up to USD100 daily cash as Hospital Cash Benefit, depending on the plan level chosen, for up to 60 days per Confinement if the Insured is Confined in the Hospital as a result of a Disability.

The benefits of the Rider are payable even if the Insured is Confined in a Hospital located in mainland China or outside of Hong Kong, provided that the Hospital is approved or designated by us.

Answer one additional health question on top of those for the Basic Plan, and no medical examination is required. With this streamlined application process, you can save valuable time on applying for this Rider.