1. Nervous or mental disease or disorder, venereal diseases, congenital anormalies and deformities, infertility, sterilzation, heart disease or cancer, palpitation, renal calculus, gall bladder stone, hypertension, arthritis.
2. Rest cure or physical check-ups.
3. Cosemtic or plastic surgery unless directly arising from sickness or injusry which this policy covers.
4. Vaccinations, immunization, injection or preventive medication.
I agree that most of them are standard exclusions. With regard to my case, I phoned Hongkong Bank and found that their coverage is much better (got the detailed terms in website). Of course the latter is more expensive at around $775 per year. But if $400.- difference can buy more coverage, I will definitely switch after this policy expires. If the bun bun spends a lot of time queuing up in the public hospital, I suffer too!
發表於 
返回列表
