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American Express

Medical Protector


Protecting the most important asset in your life


Underwritten by:


Let us be your armour to safeguard your health


Our unique medical insurance is the protection tailored for you, who look after your family. With a vast amount of health protection –

from in-patient benefits to post-surgery out-patient benefits, you can embrace any health challenges with peace of mind.

Here’s a glance of what we cover

Take a look at the key benefit levels

Policy Wordings

Would you like to learn more about the Plan?

All the information you need is in the policy document.


The Insured must be:


• American Express Cardmember

• A Hong Kong citizen or resident in Hong Kong

• Holding a valid Hong Kong Identity Card

•  With a permanent address and live in Hong Kong as a usual country of residence

• Aged between 18 to 65 years

Important Notes

  1. Cover is available for aged between 15 days and 65 years and the maximum renewal age is up to aged 100 years.
  2. The insured person must be a Hong Kong citizen or resident holding a valid Hong Kong Identity Card, with a permanent address and live in Hong Kong as a usual country of residence and will not consecutively stay in other country for over 120 days a year.
  3. The reimbursement of all eligible medical expenses will be up to 100% for hospital confinement under semi-private room or ward. If the insured person confines in a hospital for private room, the reimbursement of all eligible medical expenses will be reduced to 30% and 50% under Standard Plan and Premier Plan respectively. No benefit shall be payable for insured person confined in a suite, VIP or deluxe room or equivalent.
  4. The pre-admission assessment service for the direct settlement of hospitalization and surgical charges arrangement is available for private hospital admission in Hong Kong only while the insurance payment must be settled by American Express® Card. For any non-eligible medical expenses, insured person is required to authorize Zurich Insurance Company Limited to collect shortfall of medical expenses (if any) from the designed American Express Card account.
  5. If the insured person sustains any accident or illness after leaving Hong Kong for over 90 days, this policy will not cover any claim incurred overseas.
  6. The premium will be adjusted when the insured person enters a new age bracket upon renewal, according to the premium table or any subsequent adjustment.
  7. If no claim has been made in the period of insurance, the insured person will be entitled to 2% no claim premium discount at the annual renewal and the no claim discount can be accumulated up to a maximum of 8% in the third no claim year.
  8. For insured person whose occupation involves jobs that engage principally in the use of light machinery or engines (e.g. electrician, cook, baker, private car driver, etc.), handle heavy machinery at a regular basis, requiring high degree of physical exertion or working in extra hazardous environments (e.g. delivery worker, interior decorator, transportation contractor, etc.), the premium is subject to the approval of Zurich Insurance Company Limited.
  9. All amendments to the insurance benefits will only be accepted upon policy anniversary and must be subject to the approval of Zurich Insurance Company Limited.
  10. Zurich Insurance Company Limited reserves the right to revise the premium, add any new conditions and apply exclusions to the policy at the time of annual renewal.

Having questions in mind?

Relating to Coverage

Relating to Enrollment

Relating to Premium


Relating to Renewal

About Zurich

Zurich Insurance
Being part of Zurich Insurance Group ("Zurich"), Zurich Insurance (Hong Kong) offers a full range of flexible general insurance and life insurance products for individuals as well as corporate customers, catering to their insurance, protection and investment needs. Our presence in Hong Kong dates back to 1961. We are one of the top five general insurance providers in Hong Kong*.
Zurich is a leading multi-line insurer that serves its customers in global and local markets. With about 54,000 employees, it provides a wide range of property and casualty, and life insurance products and services in more than 210 countries and territories. Zurich’s customers include individuals, small businesses, and mid-sized and large companies, as well as multinational corporations. The Group is headquartered in Zurich, Switzerland, where it was founded in 1872. The holding company, Zurich Insurance Group Ltd (ZURN), is listed on the SIX Swiss Exchange and has a level I American Depositary Receipt (ZURVY) program, which is traded over-the-counter on OTCQX. Further information about Zurich is available at www.zurich.com.
* Source: Insurance Authority, based on gross premiums, 2018.

We're here if you need us


American Express and Zurich Insurance Company Ltd ("Zurich") work together to deliver quality insurance products to our customers. Zurich is committed to providing you with a high level of customer service. Contact Zurich for enrollment or further information about American Express Medical Protector.

Ready to apply?


Embrace life with care today!


(852) 2903 9432#

# Please note that this hotline is handled by Zurich Insurance Company Ltd, the underwriter of American Express Medical Protector.


Service Hours:

9:00 a.m. to 5:30 p.m., Monday to Friday

9:00 a.m. to 1:00 p.m., Saturday (except public holidays)

Zurich Insurance Company Ltd (“Zurich”) (a company incorporated in Switzerland with limited liability) is the insurance underwriter of American Express Medical Protector (“this Plan”) and solely responsible for all coverage and compensation. Zurich is not a subsidiary or an affiliate of American Express International, Inc. (“We/we/us”). Zurich reserves the right of final approval of this Plan. The above information is only a summary and does not constitute any part of the contract. For details, please refer to policy terms and conditions and exclusion clauses of this Plan and the above description is neither an offer to sell nor a solicitation to purchase any particular insurance product.


We identify insurance providers and products that may be of interest to you. In this role we do not act as an agent or fiduciary for you, and we may act on behalf of the insurance provider, as permitted by law. We want you to be aware that we receive 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 we have with certain providers, including the potential to reinsure products, may also influence what products we identify. Zurich and we only provide general advice and do not consider your objectives, financial situation or needs. We do 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 us and the customer out of the selling process or processing of the related transaction, we 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 Zurich and the customer.