Smart Savings 12/4 short term savings plan
Provides comprehensive care for all ages with intensive protection, while relieve you from financial stress.
Live your life to the fullest and worry-free from the financial burden with Health Delight Plus (HDP); a hospital and surgical benefit rider that provides a comprehensive benefit for you. With the various plans that suit your needs, you will be covered for hospitalization expenses due to illness and injury from accident, while also receive tax deduction benefit from health insurance premiums
Highlighted Benefits
- Choose the coverage that suit you best with the choices of 9 protection plans.
- Receive comprehensive benefits covering medical service fees for the treatment of chronic renal failure, chemotherapy and radiation therapy for the treatment of cancer or tumors.
- Provides a daily compensation in the event of treatment for 5 main childhood diseases. (HFMD, Influenza, Dengue fever, RSV virus disease, Pneumonia, or pneumonia)
- Provides room benefit when staying as an inpatient for up to 180 days.
- Receive the benefit from personal income tax deduction for premium payment paid, according to the requirements of The Revenue Department (Learn more)
Coverage and Benefits of Health Delight Plus (per time of admission)
| Benefits | Coverage and Benefits of Health Delight Plus (per time of admission) | ||||||||
Plan 1000 |
Plan 1500 |
Plan 2000 |
Plan 3000 |
Plan 4000 |
Plan 5000 |
Plan 6000 |
Plan 8000 |
Plan 10000 |
|
| Inpatient Benefit | |||||||||
| Room and board and service fees (per day) - up to 180 days include ICU room) | 1,000 | 1,500 | 2,000 | 3,000 | 4,000 | 5,000 | 6,000 | 8,000 | 10,000 |
| Diagnosis services fee | 17,000 |
21,000 | 23,000 | 27,000 | 33,000 | 41,000 | 54,000 | 66,000 | 82,000 |
| Home medicine (per each hospital admission) | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 |
| Doctor's consultation fee (per day) | 600 | 700 | 850 | 950 | 1,000 | 1,100 | 1,200 | 1,400 | 1,600 |
| Operating room fee | 4,500 | 5,000 | 6,000 | 7,000 | 7,500 | 8,000 | 12,000 | 13,000 | 14,000 |
| Surgical fee | 45,000 | 55,000 | 65,000 | 85,000 | 100,000 | 105,000 | 130,000 | 140,000 | 150,000 |
| Anesthetist fee | 5,000 | 6,000 | 8,000 | 10,000 | 12,000 | 15,000 | 16,000 | 17,000 | 20,000 |
| Outpatient Benefit | |||||||||
| OPD emergency accident (within 24 hours) | 3,500 | 4,000 | 4,500 | 6,000 | 8,000 | 10,000 | 12,000 | 13,000 | 15,000 |
| Emergency ambulance service fee | 2,000 | 2,500 | 3,000 | 4,000 | 5,000 | 6,000 | 7,000 | 9,000 | 11,000 |
| Medical service fees for the treatment of chronic renal failure by dialysis through the veins (per policy year) | 17,000 | 22,000 | 27,000 | 37,000 | 42,000 | 47,000 | 55,000 | 65,000 | 80,000 |
| Medical service fees for the treatment of tumor or cancer by radiation therapy nuclear, medicine treatment (per policy year) | 17,000 | 22,000 | 27,000 | 37,000 | 42,000 | 47,000 | 55,000 | 65,000 | 80,000 |
| Medical service fee for cancer treatment by chemotherapy (per policy year) | 17,000 | 22,000 | 27,000 | 37,000 | 42,000 | 47,000 | 55,000 | 65,000 | 80,000 |
The table above is merely a summary of key benefits, conditions and exclusions. Please download here for full detail.
Preliminary Underwriting Guideline
- Applicable insured age
- 31 days - 5 years old: renewable up to age 79 (for coverage plan 1000 - 5000)
- 6 - 70 years old: renewable up to age 79 (for coverage plan 1000 - 10000)
- Subject to underwriting rules, a health checkup is performed
Preliminary conditions and exceptions
- Any pre-existing conditions and illnesses that occur within 30 days after the policy effective date, or the latest effective date in the case of policy reinstatement (waiting period)
- Chronic diseases, uncured illnesses and injuries, including the treatment of congenital and genetic diseases and learning disabilities before the policy effective date
- Ordinary health check-up, diagnostic test or any treatment requests which are beyond medical necessity or standard.
Policy applicants should read and understand about coverage details and conditions before deciding to purchase. Company underwriting guideline will be applied. Coverage details and conditions are as stated in policy contract.
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