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Northbound Medical Insurance

Mainland million medical, more coverage, more hospital choices

Mainland hospital and surgery cover, enhanced by green channel and medical escort services¹, with flexible optional add-ons
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Monthly payment
Annual payment

The support you need, across the border

With increasingly frequent Hong Kong-Mainland connections, demand for northbound medical services among Hong Kong residents is surging. Securing comprehensive medical insurance is crucial.

Avo Northbound Medical Protection covers Grade 2 and above public hospitals in mainland China, providing protection for hospitalisation, medical treatments, drugs, and more, ensuring barrier-free cross-border medical care.

Simplified online underwriting
Online application process is quick and simple — just answer a few health-related questions. No medical examination or submission of health documents required. Even those diagnosed with diabetes2 or benign tumors3 can apply.
Extensive public hospital network, exceptional care
Avo's northbound medical insurance covers general ward of Grade 2 and above public hospitals in mainland China, with 10,000+ options — including renowned Grade 3 Class A hospitals like HKU-Shenzhen Hospital and Shenzhen People's Hospital, ensuring quality in scale, facilities, and medical services.
Up to RMB 7M annual benefit limit, wallet-friendly relief
Beyond basic medical expense coverage like inpatient treatment and designated special outpatient consultation, specific4 or external drugs and medical devices are also covered, giving you greater financial flexibility.
Advanced cancer treatments are also covered
Our northbound medical insurance covers proton and heavy ion cancer therapy, providing full support from medical assistance to treatment expenses. With high safety and low side effects, this advanced treatment significantly improves survival rates of cancer patients, allowing patients to focus on recovery with peace of mind
Value-added healthcare services¹, every step of the way
Avo's northbound medical insurance offers multiple value-added healthcare services, including second opinion for critical illness, green channel, and medical escort, helping you prioritise appointments at Grade 3 Class A public hospitals with full support from diagnosis to treatment, ensuring you seize the golden window for therapy
Flexible protection, designed by you
Looking for seamless health protection? Add China travel and Hong Kong outpatient riders — from cross-border trips and outpatient treatment to inpatient care. Worry-free, all the way

China travel add-on: HK-Mainland trips with no burden

Say goodbye to the hassle of multiple policies! China Travel Extra Benefit is perfect for frequent Hong Kong-Mainland travellers, covering personal accident, belongings, trip delay or cancellation during China trips. Compared to buying standalone travel insurance, this add-on offers better value for money, safeguarding your northbound journey.

HK outpatient add-on: always ready to protect your health

Hong Kong Outpatient Extra Benefit offers 15 outpatient visits annually provided by Quality HealthCare. Medical network covers all of Hong Kong, including TCM5, Western Medicine, SP6, and physiotherapy. This ensures dual protection by seamlessly combining your China and Hong Kong medical care.

Benefit Summary

Annual Benefit Limit

RMB7,000,000

Medical Expenses Benefit
RMB4,000,000
Specific Drug Expense Benefit4
RMB1,000,000
Proton and Heavy Ion Therapy Benefit
RMB1,000,000
External Drugs and Medical Devices Benefit
RMB1,000,000
Value-added Healthcare services1
Included
Annual Benefit Limit

RMB7,000,000

Medical Expenses Benefit
RMB4,000,000
Specific Drug Expense Benefit4
RMB1,000,000
Proton and Heavy Ion Therapy Benefit
RMB1,000,000
External Drugs and Medical Devices Benefit
RMB1,000,000
Value-added Healthcare services1
Included
Extra Benefits Item
This serves as a general summary only. For detailed Terms and Conditions, please refer to the Policy Wordings for details.

Product documents

For details on our Benefits, refer to the documents below:
Policy Wordings
Benefit Schedule
Healthcare Services Handbook

For details on our Extra Benefits, refer to the documents below:
China Travel Extra Benefit
Hong Kong Outpatient Extra Benefit
11Please refer to the Healthcare Services Handbook for detailed services and frequency limits of the value-added healthcare services. You can obtain and review the Healthcare Services Handbook at the time of application
2Excluding cases requiring insulin injections or diabetes that caused kidney disease, eye disease, or diabetic foot
3Excluding benign tumors or lumps related to gynecology, and lumps of uncertain nature in other areas
4Prior written approval from the Company is required
5TCM refers to Traditional Chinese Medicine
6SP refers to Specialist Practitioner

Important stuff

  • The Policy Holder must be aged over 18 years old, hold a valid HKID, and the relationship with Insured Person must be one of the following: self/ spouse/ domestic partner/ parent/ child/ parent-in-law/ child-in-law/ grandparent/ grandchild, and currently in Hong Kong.
  • The Insured Person must be aged between 18 and 70, and be a Hong Kong resident holding a valid HKID.
  • The policy can be renewed up to the age of 99 (not guaranteed renewable), subject to the renewal provisions.
  • Application is subject to underwriting, applicants shall have the obligation to disclose personal information and material facts. The standard premium may be adjusted in accordance with the age. Based on the health conditions of the proposed Insured Person, Avo may impose premium loading and/or case-based exclusion(s) or declining an application.
  • Premium rate quoted has included the Premium Levy as required by the Insurance Authority. For more details, click here.
  • The above information is for reference only and does not constitute any contract between Policy Holder and Avo. Please read the Policy Wordings for details.

FAQs

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The above information if for reference only. Please read the Policy Wordings for details.
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