Which plans are available, and how do their needs differ?

HealthSure is the series’ Standard Plan and is presented as its most affordable choice; Zurich says no additional exclusion will be imposed because of a change in health conditions at renewal. HealthFlexi Essential adds enhanced benefits to the Standard Plan, and core coverage can be increased by adding a supplementary major medical benefit. HealthFlexi Advanced offers a higher benefit limit intended to support access to a better ward with improved privacy. HealthFlexi Plus offers coverage of major medical expense items, with annual coverage up to HKD 6,000,000 and a choice of deductible options.