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Plan Features

  • Surgery Cash Benefit

    Receive up to HK$40,000 cash payment for you and your loved one to use flexibly, if you are confined in a hospital and required to undergo a surgery

  • Day Surgery Benefit

    Receive up to HK$2,000 cash payment for you, in the event of undergo a day surgery that does not require an overnight stay

  • Worldwide Coverage

    Enjoy 24-hour worldwide protection

  • Indexation on the Benefit and Premium

    Benefit will be increased by 10% and Premium will be increased by 5% upon each policy anniversary, for up to 5 consecutive years, to minimize the impact of medical inflation on the coverage

Latest News

Enrollment Offer for American Express Cardmembers

From June 15 to September 30, 2023, successfully enroll in American Express Premier Surgical Cash Plus with the designated plans below and be rewarded with up to HK$900 Sports brand gift card* per policy:

• Plan 1: HK$600 • Plan 2^: HK$900

* Terms and Conditions apply. Please refer to Important Documents – "Surgical Cash Insurance Enrollment Offer Terms and Conditions" for details.

^ Only applicable to telemarketing channel.

Your Health Insurance Products

American Express Premier Personal Accident Protector

American Express Premier Personal Accident Protector


Provide the financial support with a generous lump sum cash benefit when unexpected accident occurs.

American Express Premier Critical Illness Protector

American Express Premier Critical Illness Protector


Help to relieve your financial burden with a lump sum benefit of critical illness protection

American Express Premier Hospital Cash Plus

American Express Premier Hospital Cash Plus


Safeguard unexpected hospitalization with daily cash benefit.

American Express Medical Protector

American Express Medical Protector


The protection tailored for you and covers you from head to toe

American Express Premier Surgical Cash Plus

Why American Express?

Protection that matters

Discover our wide range of insurance products that is designed to protect you and your family. Choose what suits you: Our services are tailored to your needs

Simple, Quick, and Transparent

Protect you and your loved ones in just a few clicks. Our dedicated insurance advisors are always available to advise you on the most suitable product

Trusted Partnerships

We have partnered with Chubb Insurance and Zurich Insurance to provide you with comprehensive coverages for the things that matters most to you

Service and Security

Feel confident knowing you’re backed by the same quality service from American Express that you’ve come to know and trust

Our Insurance Partners

We work with international partners to provide the best insurance services

  • Chubb logo
  • Zurich logo

Contact Chubb Insurance

Levy collected by the Insurance Authority will be imposed on relevant policy at the applicable rate. The payment received for such levy will be remitted to the Insurance Authority under the prescribed arrangement. For further information, please visit

Chubb Insurance Hong Kong Limited ("Chubb") is the underwriter of the policy and is authorised and regulated by the Insurance Authority. American Express International, Inc. ("American Express") is an appointed insurance agency of Chubb and is registered with the Insurance Authority, the license number is FA3113.

American Express identifies insurance providers and products that may be of interest to you. In this role American Express does not act as an agent or fiduciary for you, and American Express may act on behalf of the insurance provider, as permitted by law. American Express wants you to be aware that American Express receives commissions from providers and commissions may vary by provider and product. Also, in some cases, an American Express entity outside of the country may be the reinsurer and may earn reinsurance income. The arrangements American Express has with certain providers, including the potential to reinsure products, may also influence what products American Express identifies. Chubb, and American Express only provide general advice and do not consider your objectives, financial situation or needs. American Express does not require you to purchase any insurance product, and you may choose to cover your insurance needs from other sources on terms they may make available to you.

In the event of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the American Express and the customer out of the selling process or processing of the related transaction, American Express will enter into a Financial Dispute Resolution Scheme process with the customer; however any disputes over the contractual terms of the product should be resolved directly between Chubb and the customer.