“GBA MediAccess” Outpatient Insurance Plan

Online and offline outpatient consultation

The services include general practitioner face-to-face outpatient consultation with prescribed basic medication for up to 3 days³^,⁴. General practitioner online consultation⁴^,⁵ is provided by registered medical practitioner of the designated clinics under the Medical Network of the GBAH Group in Mainland China¹⁰ which would also offer prescribed basic medication for up to 3 days with free delivery. This allows you to receive convenient and quality medical services without visiting a clinic in person, saving both time and effort. 

Unlimited general practitioner online consultation

(exclusive to Plan 3)
Even if the number of general practitioner face-to-face consultation³^,⁴ and online consultation⁴^,⁵ you have consumed has reached the annual limit, you can still enjoy unlimited general practitioner online consultation⁴^,⁵ conducted by the designated clinics under the Medical Network and medication delivery services in Mainland China¹⁰ (with medication and delivery fees at your own expense).

Traditional Chinese outpatient consultation⁴^,⁶

In addition to conventional Western medical outpatient services, upon referral by a GOLD^TM doctor of the GBAH Group, you and your Designated Family Members¹ can receive traditional Chinese medical treatment services^4,6 at designated Chinese medical clinics under the Medical Network located in the 6 Designated GBA Cities². The services include consultations, diagnosis, prescribed traditional Chinese medicines for up to 3 days, and related traditional Chinese medical services and treatments. You can opt for a combination of Chinese and Western medical treatments to meet your individual needs more flexibly.

Dental tooth polishing services⁴^,⁷

The Plan also offers annual dental scaling and dental care service^4,7 to provide you with a more comprehensive outpatient service experience. 

Proactive health management^4,8

Early detection of changes in physical health conditions can effectively reduce potential health risks. This value-added service includes an assessment of proactive health management for the Insured and/or Designated Family Member¹, to be conducted either face-to-face or via online by the GOLD^TM doctors from the GBAH Group. The assessment covers evaluation of family medical history, the establishment of annual health target, education of preventive care, recommendation for a healthy lifestyle and health monitoring, etc. You may arrange subsequent follow-up consultations after the initial assessment if needed. By gaining a comprehensive understanding of your own health condition and receiving the timely and appropriate treatment, you can secure long-term health and well-being.

Chronic disease management programme^4,9

We understand that chronic diseases can have long-term effects on health and quality of life. These conditions are often closely related to lifestyle. Early prevention, diagnosis and continuous monitoring can help reduce the risk of severe diseases such as diabetes, heart disease and stroke. 
By participating in the “chronic disease management programme”^4,9 offered by the Medical Network in Mainland China, GOLD^TM doctors and nurses under the GBAH Group shall offer you and your family members¹ with education of chronic disease prevention, including regular check-up appointments, diabetes screening (if necessary), medication management and lifestyle advice, in a bid to achieve “early prevention, early detection, and early treatment”. Moreover, this service is not subject to the maximum number of outpatient consultations per Policy Year.

1. Family member / Designated Family Member shall be up to 2 immediate family members (i.e. Policy Owner’s legal spouse, child, or parent) designated by the Policy Owner (i.e. the Insured) at application or renewal. Designated Family Member cannot be changed within the same Policy Year.
2. It means the 6 cities in Guangdong Province of the People’s Republic of China including Guangzhou, Shenzhen, Zhuhai, Foshan, Dongguan and Zhongshan.
3. The Insured and/or Designated Family Member can receive face-to-face outpatient consultations conducted by registered medical practitioners of the designated clinics under the Medical Network within Designated GBA Cities, Hong Kong or Macau (subject to the area of coverage according to different plan levels as specified in the At-a-Glance Table), and prescribed basic medication for a duration of up to 3 days.
4. If the Insured and/or Designated Family Member receive any medical services, treatments and/or medications  provided by the GBAH Group that fall outside the covered service scopes under the Plan during any consultations as described under the outpatient consultations and value-added services, the Insured and/or Designated Family Member shall be responsible for the costs so incurred for such medical services, treatments and/or medications.
5. The general practitioner online consultation is only applicable to the Insured and/or Designated Family Member whose attained age is 7 or above on the day of the online consultation. The Insured or Designated Family Member may choose to receive online consultation conducted by registered medical practitioners of the designated clinics under the Medical Network in Mainland China of the GBAH Group and prescribed basic medication for a duration of up to 3 days, including basic medication delivery services, provided that the address of the Insured or Designated Family Member is in the same geographical area as the clinic of the registered general practitioner who provides such online consultation. If the Insured or Designated Family Member is located in a different geographical area from the clinic of the registered medical practitioner during the online consultation, the service of the Plan shall not cover such online consultation nor any outpatient services. The Company shall not be liable for any losses incurred by the Insured or Designated Family Member.
6. If the Insured and/or Designated Family Member suffers from a Disability, and following an initial referral confirmed by a GOLD^TM doctor of the GBAH Group as Medically Necessary for traditional Chinese medical treatment, the Insured or Designated Family Member shall receive traditional Chinese medical treatment services at designated Chinese medical clinics under the Medical Network within the Designated GBA Cities of the GBAH Group for such Disability. Service shall include consultations, diagnosis, prescribed traditional Chinese medicines for a duration of up to 3 days, and related traditional Chinese medical services and treatments, up to 100 Chinese yuan per outpatient consultation. Medically Necessary means treatments, procedures, supplies or other medical services: (i) which are consistent with generally accepted professional standards of medical profession or recognized medical standards; and (ii) which are required to establish diagnosis or provide treatment for the illness or injury of the Insured or Designated Family Member; and (iii) which cannot be safely delivered in a lower level of medical care to the Insured or Designated Family Member.
7. The Insured or Designated Family Member shall receive dental scaling and dental care service at designated dental service centres under the GBAH Group once per Policy Year.
8. Upon completion of enrolment for this service under the Plan by the Insured and/or the Designated Family Member, the GBAH Group will proactively reach out the Insured and/or the Designated Family Member. With their consent, an initial assessment of proactive health management to be conducted via face-to-face or online will be arranged by the GOLD^TM doctors from the the GBAH Group for the Insured and/or Designated Family Member. The first assessment of proactive health management and any subsequent follow-up assessments shall each be considered as 1 outpatient consultation, subject to the maximum number of outpatient consultations per Policy Year.
9. The GBAH Group shall offer patients with education of chronic disease prevention. This programme is provided by GOLD^TM doctors and nurses of the GBAH Group for the Insured and/or Designated Family Member and which is limited to the Medical Network in Mainland China. Visits to clinics or service centres under Medical Network of the GBAH Group by the Insured and/or Designated Family Member for this Chronic disease management programme shall not be considered as outpatient consultation and shall not be subject to the maximum numbers of outpatient consultation per Policy Year.
10. It refers to the People’s Republic of China, excluding Hong Kong and Macau.
11. It means the amount payable by the Insured or Designated Family Member to the Medical Network upon each outpatient consultation as specified under (Items a – d) of outpatient service of the At-a-Glance Table.
12. Upon the death of the Insured, whether due to accidental or natural cause, the Company shall pay the Compassionate Death Benefit to the Beneficiary. However, the premium for that Policy Year will not be refunded.
13. We reserve the right to adjust the redemption procedures of the Plan from time to time. For the specific process and related functions, please refer to the redemption notice issued by the GBAH Group.