CTF Life Launches ‘GBA MediAccess’ to Serve Greater Bay Area Healthcare Needs
HONG KONG, March 24, 2025 – CTF Life announced today the introduction of its “GBA MediAccess” Outpatient Insurance Plan (“GBA MediAccess” or “the Plan”). This new plan is designed for individuals who frequently travel between Hong Kong, Macau, and select cities within the Greater Bay Area (GBA).
By utilizing the extensive medical network of The GBA Healthcare Group (GBAH), a subsidiary of Chow Tai Fook (CTF) Enterprises, GBA MediAccess aims to deliver accessible and high-quality medical services. Capitalizing on the resources of the CTF Group, CTF Life is committed to enhancing customer experiences and providing value beyond insurance offerings. A key feature of the plan is the partnership with GBAH to offer traditional Chinese medical outpatient consultations, a first for insurers.
Three tiers of the plan are available, offering coverage in designated GBA cities, in addition to Hong Kong and Macau. The plan provides coverage for both Western and traditional Chinese medical outpatient consultations, along with services such as dental scaling and health management options for the policyholder and up to two designated family members.
The comprehensive services include online and in-person general practitioner consultations, offering up to three days of prescribed basic medication. Additionally, it covers traditional Chinese medical consultations, dental scaling, and two value-added services focused on proactive health management and chronic disease management. This all-encompassing solution aims to meet the health requirements of customers and their families, providing reliable, budget-friendly, and easily accessible healthcare management.
CTF Life formed a strategic alliance with GBAH in early 2024, establishing a partnership with the 3A hospitals within GBAH’s network to provide premium medical services. This collaboration not only improves the efficiency of medical care and decreases costs but also boosts the overall customer service experience. This enhanced partnership reinforces CTF Life’s commitment to supporting the Hong Kong SAR government’s GBA development efforts by delivering top-tier medical services to frequent travelers in the region.
Jarita Kwan, Chief Product Officer of CTF Life, shared her thoughts: “With the rapid development of the GBA, there is a growing demand for healthcare coverage across the region. ‘GBA MediAccess’ is specifically designed to meet the evolving lifestyles of our customers and the increasing popularity of integrated Chinese and Western medical treatments. It enables customers and their families in the GBA to benefit from the CTF Group’s diverse conglomerate, accessing premium Chinese and Western healthcare services provided by GBAH. The Plan introduces market-first family coverage for up to three members to co-use services under a single plan, including Western and traditional Chinese medical outpatient services and dental scaling, fully underscoring CTF Life’s commitment to being people-focused and customer-centric. Moreover, CTF Life is the first insurer to partner with GBAH to offer Chinese medical outpatient consultations. We look forward to further strengthening our collaboration with GBAH to launch more services that cater to customer needs, creating value beyond health.”
Dr. Felix Lee, Co-CEO of The GBA Healthcare Group, stated: “Our deepened collaboration with CTF Life strategically addresses evolving cross-border lifestyles and retirement needs in the GBA, while pioneering the integration of insurance and healthcare innovation. Through ‘GBA MediAccess,’ customers and their families can book appointments with internationally accredited GOLDTM-certified family doctors, accessing a suite of healthcare services. These include General Practice consultations in Guangdong, Hong Kong, and Macau, Traditional Chinese Medicine services in the GBA*, Video Consultations, Chronic Disease Management, Proactive Health Management, and the convenience of Cross-border Direct Billing for Insurance. By leveraging GBAH’s end-to-end healthcare expertise – from preventive care to treatment – our expansive cross-border network, and the region’s unparalleled medical resource advantages, we deliver multi-generational healthcare continuity across the GBA. This ensures families achieve holistic health stewardship, from preventive interventions to health legacy planning. Moving forward, building upon our professionally accredited healthcare ecosystem and trusted standards in the GBA, we will jointly propel the development of an internationally recognised value-based care model, while collaboratively pioneering innovative solutions to advance client-centered health stewardship.”
Key Features of the GBA MediAccess Plan:
- Family Coverage: The plan is designed to cover the policyholder and up to two family members, supporting comprehensive health protection and medical support in daily life.
- Online and Offline General Practitioner Consultations: The plan allows insured individuals and their designated family members to receive in-person or online consultations, with the option to receive up to a three-day supply of prescribed basic medication, including free delivery for online consultations. Customers enrolled in Plan 3 can enjoy unlimited online general practitioner consultations from designated clinics within the GBAH network, along with medication delivery within Mainland China.
- Traditional Chinese Medicine (TCM) and Dental Scaling: The plan includes access to TCM treatments at designated clinics in the GBA, upon recommendation by a GOLDTM doctor of GBAH. The covered services include consultations, diagnosis, prescribed traditional Chinese medicine for up to three days, and other TCM treatments. Annually, the plan also covers dental scaling and dental care services.
- Health Management Value-Added Services:
- Proactive Health Management: This service, provided by GOLDTM doctors and nurses from GBAH, includes assessments of family medical history, setting yearly health goals, healthcare education, and lifestyle recommendations.
- Chronic Disease Management: GOLDTM doctors and nurses from GBAH provide education for the prevention of chronic diseases, including check-ups, diabetes screening, medication management, and lifestyle recommendations. This support promotes early prevention, detection, and treatment.
Pictured: Jarita Kwan, Chief Product Officer of CTF Life; Denise Au-Yeung, Chief Strategy Officer of CTF Life; Dr. Felix Lee, Co-CEO of GBAH; and Peter Fang, Chief Insurance Officer of GBAH.
CTF Life’s “GBA MediAccess” Outpatient Insurance Plan is formulated to provide convenient access to quality medical services through the robust GBAH network for individuals who regularly travel between Hong Kong, Macau, and certain cities within the Greater Bay Area.
“Designated GBA cities” refer to Guangzhou, Shenzhen, Zhuhai, Foshan, Dongguan, and Zhongshan in Guangdong Province of the People’s Republic of China.
*“Market-first” refers to the plan offering coverage for the customer and up to two family members, including Western and traditional Chinese medical outpatient consultations and dental scaling.
*“Family member / Designated Family Member” refers to immediate family (spouse, child, or parent) designated by the insured at the time of application or renewal. The age range for the Insured is 18-80, and for Designated Family Members, it is 15 days to 80 years.
*For each outpatient consultation, the Insured and/or Designated Family Member is required to pay a co-payment of HKD 20 / MOP 20 / RMB 8. If the Insured and/or Designated Family Member receives any medical services, treatments, and/or medications or health management that are not covered under this plan, they will be responsible for the expenses.
*The general practitioner online consultation is only applicable to Insured and Designated Family Members aged 7 or above. Consultations are provided by registered medical practitioners from designated GBAH clinics in Mainland China, and include up to 3 days of prescribed basic medication delivered to the customer’s or family member’s address. If the insured or family member is in a different geographical area from the clinic during the online consultation, the service will not cover such online consultation, and the Company shall not be liable for any losses incurred. The Insured and/or Designated Family Member can receive face-to-face outpatient consultations by registered medical practitioners within the Medical Network of GBAH in Designated GBA Cities, Hong Kong or Macau (subject to the area of coverage by different plan levels), including obtaining prescribed basic medication for a duration of up to 3 days.
*If the Insured and/or Designated Family Member suffers from a Disability, and, after an initial referral is confirmed by a GOLDTM doctor of GBAH 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 GBAH 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.
*The Insured or Designated Family Member shall receive dental scaling and dental care service at designated dental service centres under GBAH once per Policy Year.
*Proactive health management may be conducted via face-to-face or online assessments by GOLDTM doctors from GBAH. These assessments are, subject to the maximum number of outpatient consultations per Policy Year, the service will be included in the overall calculation.
*GBAH shall offer patients with education of chronic disease prevention. This programme is provided by GOLDTM doctors and nurses of GBAH and which is limited to the Medical Network in Mainland China. This will not be counted as outpatient consultation.
*For general practitioner online consultations that exceed the annual policy limit for outpatient services, the Insured and/or Designated Family Member will be responsible for covering the costs of medications and delivery fees.
*Terms and conditions apply, please refer to product brochures, promotion leaflets, and policy documents for more details. This press release does not contain the full provisions of “GBA MediAccess” Outpatient Insurance Plan, and the full terms can be found in the Policy documents. “GBA MediAccess” Outpatient Insurance Plan may serve as standalone plan(s) without bundling with other type(s) of insurance product.
*For further details, please contact CTF Life’s Customer Service Hotline on +852 2866 8898.
