I bought it for my son since he was 1 year old. The plan is good ~~ HK$432/year, but can claim HK$500 per day. It can be claimed if stay in the hospital for over 6 hours.
The reason I bought it is because my home is close to a public hospital, in case any problem, I will send my son there, so I just bought 住院cash. But I never claim till now (touchwood!!)
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