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Product Features || Free Medical Emergency Assistance Services

Product Features

1. Tailor-made benefits for companies with 5 to 1,000 employees

2. 24 hours worldwide protection

Free Medical Emergency Assistance Services

Provided by “Inter Partner Assistance Hong Kong Limited” (IPA)

 

1. Basic Hospitalization Benefits
  1.1 Room & Board fee
  1.2 Doctor visit fee
  1.3 In-Hospital private nursing
  1.4 Hospital services charges
  1.5 Surgeon's fee
  1.6 Operating Theatre fee
  1.7 Anaesthetist's fee
  1.8 Specialist fee
  1.9 Daily Intensive Care
  1.10 Accidental Injury Benefit
  1.11 Daily Public Hospital In-patient Cash Allowance
(Admission to Govt. Hospital Ward room in HK)
  1.12 Public Hospital Surgical Consumable Expenses
  1.13 Emergency Consultation for Accidental Injury
  1.14 Accidental Death Cash Benefit
  1.15 Radiotherapy Treatment
  1.16 Home Recover Nursing Benefit
2. Optional Benefit
  2.1 Out-Patient Benefits
    2.1.1 General Practitioner Consultation
    2.1.2 Chinese Herblist, Bonesetter or Acupuncturist Consultation
    2.1.3 Physiotherapy Treatment or Chiropractor Consultation
    2.1.4 Specialist Consultation
    2.1.5 X-ray and laboratory test
    2.1.6 Consultation & medical treatment fees of registered dental surgeon
    2.1.7 Prescribed Medication
    2.1.8 Annual Health Checkup
  2.2 Supplementary Major Medical Benefit
  2.3 Maternity Benefit

Subject to the General Exclusions and Conditions of the Policy

Extend to cover Communicable Disease i.e. SARS, AVIAN FLU... ...

  • Minimum 5 employees to enroll
  • Age limits are 16 to 65 years old for employee and spouse, 15 days to 18 years old for children. For unmarried children who are full-time students, coverage is up to age of 23
  • All eligible employees must participate
  • If dependent coverage is chosen, all direct dependents must participate
  • Dependents can only enroll under the same plan as the employee
Hospitalization Claims
  • Completed a Hospitalization & Surgical claim Form with attending physician's statement completed by the physician in-charge together with all original receipts and itemized bills in respect of Hospitalization charges and fees to the insurance company
Out-Patient Claims
  • Out-patient claim form duly completed with original receipt(s) and the receipt must include the following details:
    - Date of consultation;
    - Diagnosis (For Consultation or treatment rendered by Registered Chinese Practitioner, the receipt shall include name of the Practitioner and attached the original prescription)
    - Name of patient
    - Consultation fees
    - Clinic chop and signature of the attending physician or practitioner
    - Original Referral letter by the attending doctor must be provided with claim for X-ray, and laboratory test fees, specialist doctor fees, physiotherapy or chiropractor treatment fees or Prescribed Medication fees. (Referral letter is regarded valid for 1 year from date of issue. For follow-up specialist consultations and treatments and physiotherapy or chiropractor treatment, a referral letter copy must be attached at each time of claim)

Should you have any queries, please feel free to contact us at 2236 6166
or e-mail at medical_ins@bocgroup.com.

 

The leaflet is for reference only.
Details of coverage are subject to the terms and conditions of the Policy.

 

1. What kind of Company are suitable for purchasing the BOCGI Group Medical Insurance Policy?
Our Company will tailor-made benefits for companies with 5 to 1,000 employees.
2. Can the policy provide coverage to the spouse, parents and children?
Yes, the benefit coverage for dependent cannot better than the employee and the premium is needed to be negotiated separately.
3. If spouse, parents & children are accepted to be insured, what is their age limit?
Age limit are 16 to 65 years old for eligible employees and their spouse, 15 days to 18 years old for children.  For unmarried children who are full-time students, coverage is up to age of 23.  (The upper limit of the age for spouse and parents are same as the employee)
4. Can the Group Medical Insurance Policy insure less than 5 people?
Exceptional case will be considered.  Generally, loading will be added.  Minimum insured means minimum eligible employees.  If eligible employees are less than 10 people, BR must be provided.
5. Is any health examination required before applying the Group Medical Insurance Policy?
If eligible employees more than 15 people, “Health Declaration” can be waived.
6. When will the cover become effective?
Policy effective date can be chosen by Policyholder.
7. How to count the “Pre-existing condition”?
For New Case and new join member, benefit shall not be payable for injuries or sickness sustained before participation and because of which medical treatment was received within 3 consecutive months before participation in the medical insurance; and no such medical treatment is incurred within the 6 consecutive months immediately after participation.
8. What is the Medical claim services turnaround time?
After full information have been provided, claim settlement will be paid within 14 to 16 days.
9. Can the insured apply claim from group medical insurance and other insurance?
Yes, the reimbursed amount cannot be exceeded the actual medical expense.
10. Is any premium discount for the renewal case?
No, discount will be considered based on the actual claim paid.
11. What is the basis to determine the renewal premium?
Premium may rise or falls and will be determined after reviewing the claim paid, attained age and number of insured members and insurance risk.