Medical Insurance

Care for your health with comprehensive medical coverage

Being hospitalized can be damaging financially, as well as physically. You can minimize such costs by taking out medical coverage that will reduce your hospital and surgical expenses. Medical Insurance Plan offers generous coverage and low premiums for a range of medical issues, giving you the assurance you need to keep your health’s best interests at heart.

Extensive coverage including

  • Hospital benefits
  • Major illness benefits
  • Outpatient benefits
  • Hospital cash benefits

Other protection & benefits

  • Free eye care and physical checkups:
    To give you greater protection, enjoy free eye care and physical checkups upon successful enrolment in both "Basic Hospitalization Benefits" and "Outpatient Benefits" for the first year. You can also enjoy a free eyecare check-up if you only enrolled in "Basic Hospitalization Benefits".
  • 24-hour worldwide emergency assistance:
    While you are overseas, a 24-hour hotline connected directly to the International SOS Alarm Center will give you free emergency assistance on evacuation, repatriation, hospital referrals, and much more. In addition, we also provide deposit-free admission to designated hospitals in China.
  • Save on premiums & get premium guarantees:
    If you enroll with your spouse or children, you will all enjoy a 5% discount on the premium. The premium is guaranteed for 5 years and will only be adjusted every 5 years, based on attained age.
  • Free 15-day policy review period:
    You will have plenty of time to review your policy. If you have not obtained any medical treatment and would like to cancel the policy, simply send us a written request for cancellation within 15 days from the policy issue date or the commencement date. All premiums will be refunded.

The information contained in this website is a general summary. All terms and conditions are set out in the policy.

China Construction Bank (Asia) Corporation Limited (Insurance Intermediary License No: FA3132) (“the Bank”) is the appointed insurance agency of QBE Hongkong & Shanghai Insurance Limited (“QBE Hong Kong”) and China Taiping Insurance (HK) Company Limited (“CTPI(HK)”), to distribute general insurance products in Hong Kong Special Administrative Region. Relevant general insurance products are the products of the insurance companies but not the Bank. The above general insurance products are issued and underwritten by QBE Hong Kong or CTPI(HK). QBE Hong Kong and CTPI(HK) are authorized and regulated by the Insurance Authority (“IA”) to carry on general insurance business in the Hong Kong Special Administrative Region. Please refer to the sales documents, including product brochure, benefit illustration (if applicable), policy documents and provisions issued by QBE Hong Kong or CTPI(HK) for details (including but not limited to insured items and coverage, detailed terms, key risks, conditions, exclusions, important notes, policy costs and fees) of the general insurance products. QBE Hong Kong and CTPI(HK) reserve the right to decide at each of their sole discretion to accept or decline any application for general insurance product according to the information provided by the customer at the time of application. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the general insurance product should be resolved between QBE Hong Kong or CTPI(HK) and the customer directly. Information on this website is for reference only and is intended to be distributed in Hong Kong Special Administrative Region only. It shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any general insurance product of QBE Hong Kong or CTPI(HK) outside Hong Kong Special Administrative Region.

Pursuant to the Insurance (Levy) Regulation (Cap. 41I) and the Insurance (Levy) Order (Cap. 41J) under the Insurance Ordinance (Cap. 41), the IA collects levies for insurance premiums from policyholders with effect from 1 January 2018. For further details, please visit the website of IA. For the latest information about the IA, please visit For the latest information about The Insurance Complaints Bureau, please visit