Can I choose coverage to fit my budget and preferred protection level?

The series offers different levels of protection to suit personal needs and budgets, with renewal available up to age 100 subject to the policy’s renewal provisions and payment of the prevailing premium; Zurich may amend premiums, benefits and terms at renewal. 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.