Outpatient Insurance

Covering GP, SP, physio and dental treatment

Up to 100 outpatient visits in Quality HealthCare including physio treatment and TCM
Select your plan

Comprehensive medical network right beside you

The outpatient services under Avo OutpatientGuard Protection are provided by Quality HealthCare, with clinic network extends across Hong Kong. There is always a service point around you.
110+
Hong Kong Island
110+
Kowloon
70+
New Territories & Islands District

Why should you choose Avo OutpatientGuard Protection?

Employees covered by medical insurance may not have instant needs for standalone outpatient insurance. But if you have medical needs for the elderly and children at home, company medical insurance may not be able to cover them.
Avo OutpatientGuard Protection utilizes a well-established medical network, allowing you to provide high-quality medical services for your family, including diagnosis, medical care, specialized outpatient services, and mental health support, while offering a comprehensive healthcare experience.

Enjoy up to 100 outpatient service per year
You can now benefit from Avo OutpatientGuard Protection Plus and Prime plans, tailored to meet the varying medical needs of individuals. You can enjoy up to 100 outpatient visits per year
Flexible in arranging visit quotas, tailored to different sorts of medical needs
Unlike other similar plans in the market, Avo’s outpatient insurance offers you the flexibility to arrange your visit quota to suit your needs. If you’re a frequent visitor at the specilaist consultations, you can allocate your quotas to that specific category accordingly1
Enjoy hassle-free outpatient service with $0 co-payment²
There is no co-payment for GP consultations and basic medications under all 3 plans. The feature even extends to all outpatient categories in the Prime plan
Covering TCM
Our outpatient insurance coverage includes TCM. Whether you need body conditioning or targeted treatment for ailments, we are here for you
Concerning long-term physio treatment? You’re in good hands
Whether you need to go through physio sessions for an accidental injury or sports injury, our outpatient insurance takes care of it. You don’t have to worry too much about the financial burden of those follow-up visits3
Feeling depressed? We offer you a way out
Avo's outpatient insurance values mental wellness. If you're having a mental breakdown and need someone to talk to, you can seek for help through our mental wellness service hotline, or conducting in-person or video mental counselling by referral

What specialty outpatient categories are covered?

Our outpatient insurance covers over 20 specialty outpatient services, including Otorhinolaryngology (ENT), Orthopedics, Dermatology, Urology, Pediatric Surgery, and Obstetrics Gynecology. Whether you are planning this for your elderly or kids, there are the right options to cater their medical needs.

Benefit summary

Lite
Clinic quotas
30
Co-payment (TCM4 & Western Medicine)
HKD0
Co-payment (SP5)
HKD60
Dental treatment
1 / yr
Mental wellness consultation
4 / yr
Extra medication allowance
HKD30
Plus
Clinic quotas
100
Co-payment (TCM4 & Western Medicine)
HKD0
Co-payment (SP5)
HKD0
Dental treatment
1 / yr
Mental wellness consultation
4 / yr
Extra medication allowance
HKD30 / 40
Prime
Clinic quotas
100
Co-payment (TCM4 & Western Medicine)
HKD0
Co-payment (SP5)
HKD0
Dental treatment
1 / yr
Mental wellness consultation
4 / yr
Extra medication allowance
HKD130 / 140
Lite
Plus
Prime
Clinic quotas
100
Co-payment (TCM4 & Western Medicine)
HKD0
Co-payment (SP5)
HKD0
Dental treatment
1 / yr
Mental wellness consultation
4 / yr
Extra medication allowance
HKD130 / 140

Product documents

For details on our Benefits, refer to the documents below:
Policy Wordings
Benefit Schedule
1Not apply for Dental Treatment, X-ray and Diagnostic Laboratory Test
2Applies for general practitioner outpatient service with 3 days of basic medication
3To be eligible to enjoy physiotherapy service, a referral letter from a network doctor is required
4TCM refers to Traditional Chinese Medicine
5SP 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 15 days and 80 years old and hold a valid HKID, Exit-Entry Permit for Travelling to and from Hong Kong and Macao, or passport. For the Insured Person aged below 11, Birth Certificate is also acceptable.
  • 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. 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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