Health Insurance
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Health Insurance Products at a glance

Coverage	FirstCare	Refundable HospitalSurance	HospitalSurance
Hospitalisation benefit	Yes	No	No
Surgical expenses	Yes	HKD 3,000 / HKD 5,000 / HKD 10,000 / HKD 20,000	HKD 5,000 / HKD 10,000 / HKD 15,000 / HKD 20,000
Daily Hospital Cash benefit	Alternative daily public hospital cash HKD 750 / HKD 1,000 per day *	HKD 300 / HKD 500 / HKD 1,000 / HKD 2,000	HKD 500 / HKD 1,000 / HKD 1,500 / HKD 2,000
Outpatient benefit	Optional	N/A	N/A
Dental benefit	Optional	N/A	N/A
Maternity benefit	Optional	N/A	N/A
Premium refund	N/A	Up to 100% refund after 10 years	30% "no claims" refund after 5 years

*	This benefit is payable in lieu of all other benefits of Hospital and Surgical benefit.