Bank of China Group Insurance Company Limited

Introduction
Product Features
Basic Benefit
Optional Benefit
Premium Table
Others
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FAQ

To cater for your different needs, Bank of China Group Insurance Company Limited ("BOCG Insurance") is delighted to present to you the brand new "BOC Family Comprehensive Protection Plan" (Series 1) (the "Plan"). The Plan allows you to choose from two different plans¹, each providing a one-stop insurance protection for personal accident, annual travel and home contents. What’s more, you may enroll in optional benefits² according to your needs, so that you and your family can enjoy a worry-free life with a more affordable insurance premium.

In addition, the Home Protection provides plans with different coverage for homes of different gross floor areas, allowing you to choose an appropriate protection to satisfy your needs.

Notes:

1.	Basic Benefits consist of Gold Plan and Silver Plan for your selection. If Gold Plan is selected, all insured items in the policy will be under the Gold Plan, except for Home Protection where the insured may select to insure under the Gold Plan or Gold Value Plan if the gross floor area of his/her home is 750 square feet or below. The same applies if Silver Plan is selected.
2.	The insured is required to apply for Basic Benefits before he/she can apply for optional benefits.
3.	If the buildings exceed 40 years of age or the home's gross floor area is more than 1,500 square feet, premium and the terms will be provided separately.

Basic Benefits

You are required to enroll in the following 3 (or any 2) of the basic benefits:

I. Personal Accident Protection

Maximum benefit payable up to HK$4,000,000¹ in case of any unexpected event causing serious injuries, permanent total disablement or death
Coverage for medical expenses (including bonesetters and Chinese herbalist) due to accidents, credit card outstanding balance protection, cash allowance for health supplements and home nursing expenses, etc.
Premium at flat rate² for all types of occupations

II. Annual Travel Protection

A comprehensive range of protections for business or leisure travel, covering personal accident, medical expenses, loss of baggage and personal effects, legal liability, travel and baggage delay, cancellation or curtailment of journey, etc., allow you to travel with peace of mind
Excess free with coverage for a variety of popular adventurous activities 
Coverage for free students overseas travel cover³, protecting against loss of home contents due to burglary during travel period and providing worldwide emergency assistance service 
Protection against accidental loss of or damage to the insured person's personal notebook computers during travel period 
Newly added Outbound Travel Alert⁴ Protection

III. Home Protection

A comprehensive range of protections for home contents, personal accident, legal liability (including homeowner's legal liability in the home or the common area of the residential building, domestic helper's legal liability due to his/her negligence arising out of and in the course of employment and tenants' liability) and employees' compensation for unlimited number of domestic helpers
Applicable to rented-out, self-occupied or rented properties
Compensation for legal liability of up to HK$12,000,000 in case of any third party's death, bodily injury or property damage caused by your and/or your family members' negligence at home
Extra 20% additional benefit for home contents coverage during typhoon or rainstorm season⁵
Pre-set premium⁶ and coverage for homes with a gross floor area of 1,500 square feet or below

Notes:	1.	The maximum benefit for accidental death or permanent total disablement caused by traveling in public transportation or private car is HK$4,000,000, while the maximum benefit for accidental death or permanent total disablement caused by other accidents is HK$2,000,000.
	2.	Not applicable to the occupations excluded by BOCG Insurance (refer to proposal form for details).
	3.	Students overseas travel cover is only available to unmarried full-time students aged between 6 weeks and 17 years old, who study in the Hong Kong Special Administrative Region ("HKSAR"). The student must be accompanied and with the custody care by an adult for the entire journey.
	4.	The Security Bureau of the Government of HKSAR has launched the Outbound Travel Alert (OTA) System which uses amber, red and black signals to differentiate among different levels of risk. This system will cover the countries which are more popular travel destinations for HKSAR residents aiming to help HKSAR residents better understand the risk or threat to personal safety in travelling overseas.
	5.	"Typhoon or rainstorm season" means the period from July to September every year. The proximate cause of claim for loss must be due to typhoon or the rainstorm which must occur in HKSAR.
	6.	If the buildings exceed 40 years of age or the home's gross floor area is more than 1,500 square feet, premium and the terms will be provided separately.

Optional Benefits

In addition to the basic benefits, you may also consider enrolling in the following optional benefits according to your needs:

I. Golfers Protection

Protection for golfing equipment, personal effects, expenses for celebration of accomplishing a hole-in-one and golfing journey cancellation, etc.
Worldwide coverage

II. Domestic Helper Protection

Protection against employer's legal liability in the event of his/her domestic helper's unfortunate death, bodily injury and/or disease arising out of and in the course of employment
A range of additional covers at the same time, such as clinical expenses, surgical and hospitalization expenses, dental expenses, personal accident, fidelity cover and repatriation expenses, etc.
Employer can select to insure critical illness benefit for his/her domestic helper

Affordable Premium and Auto-renewal Service

With monthly premium of as low as HK$146⁷, you and your family can enjoy a complete peace of mind. If you do not receive any notice of amendment on renewal terms from BOCG Insurance before the expiry date of your every policy year, simply pay the required premium for the coming policy year, and your policy will be renewed automatically with total security.

Simple Application and Instant Approval

For enrolment, please visit any branch of Bank of China (Hong Kong) Limited, Nanyang Commercial Bank Limited or Chiyu Banking Corporation Limited in HKSAR. If your application is approved instantly and each coverage item is confirmed in effect, you will receive your policy in around 10 working days after BOCG Insurance has received the application.

Notes:

This monthly premium is calculated on the basis of client enrolling in the "Annual Travel and Home Protection (Silver Value Plan)" under the Basic Benefits (Silver Plan) and the insured category is "Insured only".

Basic Benefit – I. Personal Accident Protection || Basic Benefit – II. Annual Travel Protection || Basic Benefit – III. Home Protection

Basic Benefit – I. Personal Accident Protection

Insured Items & Coverage

Maximum Benefit (HK$)
(Per insured person)

Silver Plan

Gold Plan

1.	Personal Accident
	-	Death / permanent total disablement / permanent total loss of both limbs or loss of sight of two eyes / permanent total loss of one limb or loss of sight of one eye / major burns (claims are calculated on the basis of burn surface area) resulting from accident
	-	Permanent total loss of hearing of both ears / permanent total loss of speech resulting from accident (Maximum benefit payable for permanent total loss of hearing of both ears and for permanent total loss of speech are 75% and 50% of the specified amount respectively)
	(Maximum benefit payable for child(ren) is 20% of the specified amount or HK$300,000, whichever is lower)
	(This benefit does not apply to insured person who is already being payable under item 2 "Double Indemnity for Accidental Death or Permanent Total Disablement" )

1,000,000 / year

2,000,000 / year

2.	Double Indemnity for Accidental Death or Permanent Total Disablement
	Accidental death or permanent total disablement resulting from traveling by public transportation or private car (This benefit does not apply to child(ren) or insured persons aged 70 above)

2,000,000 / year

4,000,000 / year

3.	Credit Card Outstanding Balance Protection
	In the event of an accident causing the insured person's death, repayment of any outstanding balance payable under the insured person's credit cards charged to such cards during the period of insurance (This benefit does not apply to child(ren))

20,000 / year

30,000 / year

4.	Medical Expenses
	-	Medical expenses incurred for bodily injury caused by accident (including Chinese herbalist and bonesetters treatment expenses, provided that the maximum benefit payable is HK$150 per day and up to a total of HK$1,000 per year)
	-	If medical treatment is required for third degree burn of the body following an accident, which is confirmed by a registered medical practitioner, the maximum benefit will be doubled.

30,000 / event

45,000 / event

5.	Cash Allowance for Health Supplements
	If the insured person suffers accidental bodily injury and requires in-hospital treatment, cash allowance will be payable from the 8th day of hospital confinement onward (maximum pay up to 5 days per event)

200/day

300/day

6.	Home Nursing Expenses
	If the insured person suffers accidental injury and incurs eligible expenses for qualified nursing care service at the insured person's home for the period recommended by a registered medical practitioner after being discharged from the hospital, the actual charges for such services will be payable (maximum pay up to 100 days)

300/day

500/day

7.	24-hour Worldwide Emergency Assistance Services (All expenses and services must be pre-approved and directly arranged by the Emergency Assistance Service Company. Please call the 24-hour Emergency Assistance Hotline if assistance is required)

	7.1	Emergency Medical Assistance Services
		(a)	Emergency medical evacuation or repatriation
		(b)	Compassionate visit (the insured person must be confined in overseas hospital for more than 7 consecutive days) (a return scheduled economy class airline ticket and hotel accommodation of up to HK$1,200 per day will be provided)
		(c)	Return of unattended child(ren) to HKSAR
		(d)	Return of the insured person to HKSAR after medical treatment
		(e)	Hospital admission deposit guarantee
	7.2	Hotline Assistance Services (24-hour emergency assistance hotline services including: medical advice, travel information, consulate/interpreter/lawyer referral, emergency rerouting arrangements and luggage retrieval, etc. For details, please refer to the policy)





unlimited
60,000


an one-way scheduled airline ticket (economy class)
an one-way scheduled airline ticket (economy class)
50,000
-

Basic Benefit – II. Annual Travel Protection¹

Insured Items & Coverage

Maximum Benefit (HK$)
(Per insured person and per journey)

Silver Plan

Gold Plan

1.	Personal Accident
	-	Death / permanent total disablement / permanent total loss of both limbs / permanent total loss of sight of two eyes / permanent total loss of one limb and loss of sight of one eye / major burns (claims are calculated on the basis of burn surface area) resulting from accident during the journey
	-	Permanent total loss of one limb or loss of sight of one eye / permanent total loss of speech / permanent total loss of hearing in both ears resulting from accident during the journey (Maximum benefit payable is 50% of the specified amount)
	(Maximum benefit payable for child(ren) or insured person aged over 70 is HK$250,000)

1,000,000/year

1,200,000/year

2.	Compassionate Death Cash Benefit
	Death of the insured person caused by accident or sickness occurred during the journey
	(In the event of death caused by sickness, maximum benefit payable is 40% of the specified amount)

30,000

50,000

3.	Medical and Relevant Expenses
	(a)	Medical expenses (including out-patient, surgical and doctor's fee) incurred as a direct result of accidental bodily injury or sickness occurred during the journey (Maximum benefit payable for child(ren) or insured person aged over 70 is HK$250,000)
		i.	Follow-up medical, hospital and treatment expenses incurred in HKSAR within 3 months after the insured person's return from abroad(including bonesetter, Chinese herbalist and acupuncture expenses, provided that the maximum benefit payable is HK$150 per day and up to a maximum benefit of HK$2,000 in total)

		ii.	Expenses associated with the transport of body after death
		(In no event shall the total amount payable under item (a) exceed 100% of the corresponding limit in item (a) as stated in the insured plan)
	(b)	Daily hospital cash benefit: for hospital confinement exceeding 24 hours either outside the HKSAR, or immediately return to the HKSAR as a result of bodily injury or sickness occurred during the journey, daily hospital cash will be paid.

1,000,000



75,000



100,000


6,000
(500 / day)

1,200,000



80,000



100,000


8,800
(550 / day)

4.	Baggage and Personal Effects
	Covers the loss of or damage to the insured person's baggage and personal effects, and extends to cover loss or damage to the insured person's personal notebook computers as a result of theft or robbery as well (Maximum benefit payable is HK$3,000 for any one article / any one pair of articles)

15,000

20,000

5.	Delayed Baggage
	Emergency purchases of essential items, requisites or clothing upon temporary deprivation of baggage for at least 8 hours from time of arrival at destination abroad for the insured person due to misdirection in delivery or hi-jacking

1,500

3,000

6.	Personal Money and Travel Documents
	Loss of cash or travelers' cheques as a direct result of robbery and cost of replacing air ticket or other travel documents

5,000

6,000

7.	Legal Liability
	Protection against the legal liability for any third party's death, bodily injury or property damage caused by the insured person's negligence

2,500,000

5,000,000

8.	Travel Delay / Re-routing
	If the departure of scheduled flight or sea vessel is delayed for more than 8 hours as a result of strike, industrial action, poor weather or mechanical breakdown, one of the following benefits will be payable to the insured person：
	-	cash benefit of HK$250 will be paid for each 8-hour travel delay; or
	-	additional transportation and accommodation expenses necessarily incurred by the insured person for re-routing

2,500

5,000

3,000

6,000

9.	Cancellation of Journey
	Protection for the insured person against the loss of non-refundable deposits or prepaid expenses if the journey has to be cancelled due to
	(a)	death, illness or serious accident of the insured person or family members or close business partners; or
	(b)	issuance of Black Alert² for the planned destination by the Government of HKSAR under the "Outbound Travel Alert System" ³

35,000

50,000

10.	Curtailment of Journey
	-	If the trip has to be curtailed after its commencement due to
		(a)	death, injury, illness or hi-jack occurring to the insured person or the person with whom the insured person is traveling with or family members or close business partners; or
		(b)	issuance of Black Alert for the planned destination by the Government of HKSAR under the "Outbound Travel Alert System"³
		the non-refundable prepaid costs on the unused portion of the journey will be reimbursed proportionally to the insured person
	-	One-off cash allowance of HK$1,000 will be payable in the event of unavoidable curtailment of the planned journey or when the insured person is unavoidably delayed (for more than 8 hours and by means of any kind of transportation vehicle) in the course of a planned journey as stipulated prior to departure due to issuance of Black Alert for the planned destination
	-	Covers additional accommodation expenses necessarily incurred to replace lost travel documents as a result of robbery, burglary or theft during the travel period

35,000

50,000

11.	Loss of Home Contents
	Loss of or damage to home contents due to burglary occurred at the insured person's unoccupied home whilst the insured person is traveling aboard (maximum HK$3,000 per item)

10,000

15,000

12.	Credit Card Outstanding Balance Protection
	In the event of accidental death of the insured person during the journey, repayment of the outstanding balance of the credit card for transactions charged to such cards during the journey (This benefit does not apply to child(ren))

4,000

5,000

13.	24-hour Worldwide Emergency Assistance Services
	(If Basic Benefit I. Personal Accident Protection is insured, this item 13 under Basic Benefit II. Annual Travel Protection is not applicable)

Maximum benefit is the same as in item 7 of Basic Benefit I. Personal Accident Protection

Note:
1.	Maximum cover period for each single journey is 60 days.
2	Cancellation of Journey benefit will only be payable if Black Alert has not been issued for the planned destination prior to the booking the scheduled journey.
3.	The Security Bureau of the Government of HKSAR has launched the Outbound Travel Alert (OTA) System which uses amber, red and black signals to differentiate among different levels of risk. This system will cover the countries which are more popular travel destinations for HKSAR residents aiming to help HKSAR residents better understand the risk or threat to personal safety in travelling overseas.

Basic Benefit – III. Home Protection⁴

Insured Items & Coverage

Maximum Limit of Indemnity (HK$)

Silver Value Plan

Gold Value Plan

Silver Plan

Gold Plan

Only applicable if gross floor area of
the home is 750 square feet or below

No limitation on gross floor area of the home⁵

1.	Home Contents
	All risks coverage, including explosion, fire, burst of water pipe, burglary, malicious damage, flood, typhoon, landslide, subsidence or other accidental damage (Excess: water damage - HK$500 or 10% of loss, whichever is higher; others - HK$ 500)
	- Valuables

	- Brittle items
	Maximum Limit of Indemnity under【item 1 - Home Contents】and Valuables during the typhoon or rainstorm season⁶ shall be adjusted as follows:
	- Home Contents
	- Valuables

600,000/event

(60,000/item)

150,000/year

(10,000/item)

8,000/item

720,000/event

180,000/year

1,000,000/event

(10,000/item)

250,000/year

(15,000/item)

10,000/item

1,200,000/event

300,000/year

1,200,000/event

(120,000/item)

280,000/year

(17,000/item)

12,000/item

1,440,000/event

336,000/year

Extended Coverage for Home Contents:

(A)

Interior Decoration/Refurbishment Works

Covers accidental physical loss of or damage to home contents caused by contractors during the period of interior decoration or refurbishment work. Such decoration or refurbishment works must be completed within two consecutive months and the relevant expenses must not be greater than the maximum contract value as specified in each insured plan (Excess: water damage - HK$500 or 10% of loss, whichever is higher; others - HK$ 500)

Maximum
contract value:
120,000
(6,000/item)

Maximum
contract value: 200,000
(10,000/item)

Maximum
contract value: 240,000
(12,000/item)

(B)	Home Contents Removal
	Covers accidental physical loss of or damage to home contents by professional removers in the course of removal from the home to the new home located in HKSAR (Excess: HK$1,000)

600,000/event
(60,000/item)

1,000,000/event
(100,000/item)

1,200,000/event
(120,000/item)

(C)	Alternative Accommodation / Loss of Rental
	Covers reimbursement of temporary accommodation / loss of rental income if the home becomes uninhabitable due to an insured accident

30,000/event
(1,000/day)

50,000/event
(1,500/day)

60,000/event
(1,800/day)

(D)	Temporary Removal(Maximum temporary storage period cannot exceed 180 days)
	-	Covers accidental physical loss of or damage to home contents whilst temporarily being removed from the home to any other premises for the purpose of professional cleaning, repair or renovation within HKSAR
	-	In the event of any insured accident happened in the home, protection is extended to cover the moving expenses of home contents whilst in transit from the home to any other temporarily stored premises and returning back home by remover.

50,000/event

2,000/event

80,000/event

3,000/event

100,000/event

4,000/event

(E)	Personal Effects (excluding mobile phones, spectacles and cash)
	-	Covers accidental physical loss of or damage to your and/or your family members' personal effects and valuables happened anywhere in the world (Excess: HK$500)
	-	Covers accidental physical loss of or damage to domestic helper's personal effects due to burglary at the home (Excess: HK$500)

15,000/year

(6,000/item)

10,000/year

(3,000/item)

21,000/year

(8,000/item)

15,000/year

(4,500/item)

30,000/year

(10,000/item)

18,000/year

(5,000/item)

(F)	Loss of Money
	Covers loss of money due to burglary or robbery at home

3,500/event

4,000/event

4,500/event

(G)	Replacement of Personal Documents
	Covers the actual cost or fees necessarily incurred for replacement of the lost or damaged personal documents including passport, driving license, HKID card or other travel documents due to burglary or robbery at the home

3,500/event

4,000/event

4,500/event

(H)	Unauthorized Use of Credit Card
	Covers the loss caused by unauthorized use of credit card(s) due to burglary or robbery at the home

3,000/event

4,000/event

5,000/event

(I)	Replacement of Windows, Door Locks and Keys
	Covers reasonable costs of replacing damaged windows, door locks and keys due to burglary at the home

3,000/event

4,000/event

5,000/event

(J)	Removal of Debris
	Covers the actual cost and expenses necessarily incurred in the removal of debris caused by any insured accident

5,000/event

8,000/event

10,000/event

(K)	Frozen Food
	Covers the cost of replacing food and drinks which are spoilt in the refrigerator as a result of accidental breakdown of the refrigerator and/or accidental failure of electricity supply (Excess: HK$200)

2,500/event

3,000/event

3,500/event

(Total aggregate amount of claim payable under item 1 – Home Contents above shall not exceed the insured plan's maximum limit of indemnity)

2.	Legal Liability
	Protects against the legal liability occurring at home in the event of your and/or your family members' negligence, in the following personal capacity causing any third party's death, bodily injury or property damage:
	(a) as private householder occupying the home; or
	(b) as owner(s) of the home
	Extended Coverage
	(A)	Home Owners Liability:
		(A1)	If you are not the owner of the home, protection is extended to protect the owner of the home against legal liability solely arising out of the occupation by you and/or your family members of the home. During the period of insurance, the home must be possessed by the owner, in the name of a company and/or a director of that company and provided to you, as an employee, for accommodation.
		(A2)	Protection is extended to protect the owner of the home against legal liability arising out of the common parts of the building of which the home is insured, caused by the negligence of the Owner's Corporation and/or Property Management Company of the building and/or the owner of the home.
	(B)	Tenant's Liability: protection is extended to protect against the legal liabilities for damages to the rented and occupied home caused by your and/or your family members' negligence in the capacity of tenants.
	(C)	Worldwide Personal Liability: protection is extended to protect against the legal liability for any third party's death, bodily injury or property damage caused by your and/or your family members' negligence whilst outside the home or during a temporary visit of not exceeding 30 days outside HKSAR.
	(D)	Domestic Helper Liability: protection is extended to protect against the legal liability for any third party's death, bodily injury or property damages caused by your domestic helper's negligence arising out of and in the course of employment
	(Total aggregate amount of claim payable under item 2 - Legal Liability above shall not exceed the insured plan's maximum limit of indemnity)

6,000,000
/event/year





6,000,000
/event/year










100,000
/event/year

1,000,000
/event/year


400,000
/event/year

10,000,000
/event/year





10,000,000
/event/year










200,000
/event/year

1,000,000
/event/year


600,000
/event/year

12,000,000
/event/year





12,000,000
/event/year










250,000
/event/year

1,000,000
/event/year


800,000
/event/year

3.	Personal Accident
	Protect you and/or your family members suffering death or permanent total disablement as result of fire caused by accident or burglary at the home
	Cash Allowance for Health Supplement Additional Coverage:
	If you and/or your family members suffer bodily injury as a result of fire caused by accident or burglary at home and hospital treatment is required as a result, cash allowance will be payable from the 8th day of hospital confinement onward, with a maximum pay up to 5 days per event.

200,000/year

(100,000/person)

200/day

300,000/year

(100,000/person)

300/day

400,000/year

(100,000/person)

500/day

4.	Domestic Helper Employees' Compensation (Applicable to local and/or overseas domestic helper aged from 18 to 60 years old)
	Covers your liabilities as an employer to your domestic helper against accidents and injuries arising out of and in the course of employment under the Employees' Compensation Ordinance and Common Law

100,000,000
/event

5.	Free 24-hour Home Assistance Service Hotline
	Provides free referral services, such as electrical assistance, plumbing assistance, 24-hour emergency locksmith assistance, contractor for general repair of household items, baby-sitting/registered nursing, temporary domestic helper, and home cleaning/pest control.

Notes:
4.	If the insured home is rented out by the insured:
	BOCG Insurance will offer the following Insured Items and Coverage to the "insured only", whilst his/her family members are not entitled to any indemnity under this policy:
	4.1	The insured's home contents which are owned by the insured and are placed in the insured home, excluding valuables and brittle items under 【Item 1 – Home Contents】;
	4.2	【Extended Coverage to Home Contents item (C) - Loss of Rental and item (J) – Removal of Debris】;
	4.3	【Item 2 – Legal Liability】.
5.	If the home has a gross floor area that is more than 1,500 square feet, separate quote will be provided.
6.	"Typhoon or rainstorm season" means the period from July to September every year. The proximate cause of claim for loss must be due to typhoon or the rainstorm which must occur in HKSAR.

Optional Benefit – I. Golfers Protection || Optional Benefit - II. Domestic Helper Protection

Optional Benefit – I. Golfers Protection¹

Insured Items & Coverage

Maximum Benefit (HK$)
(Per insured person)

1.	Golfing Equipment
	Accidental loss of or damage to the insured person's golfing equipment during the transit to or from or whilst at any recognised golf club³, golf course or driving range (Maximum benefit payable for child(ren) is 20% of the maximum benefit payable to the insured)

30,000 / year
(3,000 / item)

2.	Hole-in-one
	Covers expenses for celebration of accomplishing a hole-in-one by the insured person at any recognised golf club³ (Maximum benefit payable for child(ren) is 20% of the maximum benefit payable to the insured)

60,000 / year
(12,000 /occurance )

3.	Personal Effects
	Accidental loss of or damage to the insured person's personal effects in any recognised golf club³, golf course or driving range (excluding jewellery, silver / gold articles, furs, cash, credit cards and cheques)
	(This benefit does not apply to child(ren))

12,000 / year
(2,500 / item)

4.	Golfing Journey Cancellation
	Covers non-refundable deposits and prepaid cost of the journey incurred by the insured person for cancellation of golfing journey outside HKSAR as a result of death, serious accidental bodily injury causing hospital confinement for more than 24 hours of the insured person or his/her immediate family members or close business partners, all being residents of HKSAR
	(This benefit does not apply to child(ren))

5,000 / event

5.	Legal Liability²
	Protects against the legal liability for any third party's death, bodily injury or property damage caused by the insured peron's negligence while playing or practising golf at any recognised golf club³, golf course or driving range
	(This benefit does not apply to child(ren))

5,000,000 / year / event

6.	24-hour Worldwide Emergency Assistance Service Hotline
	Provides free golf course referral and booking hotline assistance service

Notes:
1.	Territory Limit: Worldwide
2.	Legal Liability Limitation :
	2.1	Maximum benefit for overseas legal liability claims under the policy shall not exceed HK$5,000,000 if Basic Benefit II. Annual Travel Protection has also been applied for at the same time.
	2.2	Maximum benefit for legal liability claims arising outside the home under the policy shall not exceed HK$5,000,000 if Basic Benefit III. Home Protection has also been applied for at the same time.
3.	Recognised golf club: means any golf club with golf course that has 18 holes and 72 pars or above.

Optional Benefit - II. Domestic Helper Protection⁴

Insured Items & Coverage

Maximum Benefit (HK$)

1.	Employer's Liability
	Covers the legal liabilities as an employer to the domestic helper against accidental injury arising out of and in the course of employment under the Employees' Compensation Ordinance and Common Law

100,000,000 / event

2.	Clinical Expenses
	Out-patient medical treatment received by the domestic helper from a registered medical practitioner for illness or injury resulting from accident

3,000 / year
(160 / visit / day)

3.	Surgical and Hospitalization Expenses
	Domestic helpers' actual in-patient or surgical expenses incurred as a result of sickness or injury caused by accident
	- Room, board & other miscellaneous hospital charges
	- Surgical fee
	- Anesthetist's fee
	- Operating theatre fee
	(Total aggregate amount of benefits payable under this item 3 – Surgical and Hospitalization Expenses above shall not exceed this item's maximum benefit)

30,000 / year

300 / day

12,000 / disability

3,000 / disability

1,500 / disability

4.	Dental Expenses
	If your domestic helper requires oral surgery, treatment of abscesses, X-rays, extractions or fillings as a result of dental disease, compensation of two-thirds of the actual expenses will be payable for each claim, provided that such treatment is received from a registered dentist

2,000 / year

5.	Personal Accident
	If the domestic helper suffers from accidental death or injury during his / her rest days and resulting in one of the following losses within 12 calendar months:
	- Accidental death
	- Permanent total loss of both limbs or loss of sight of both eyes
	- Permanent total loss of one limb and loss of sight of one eye
	- Permanent total loss of one limb or loss of sight of one eye
	(Total aggregate amount of benefit payable under this item 5 – Personal Accident above shall not exceed this item's maximum benefit)

200,000 / year

200,000 / event

100,000 / event

6.	Repatriation Expenses
	Reimburse the actual expenses of repatriating the domestic helper from the HKSAR to his/her country of origin in the event that he/she is suffered from sickness, injury or death resulting in being certified by a registered medical practitioner to be medically unfit to work so that the contract of service has to be terminated:
	-	the cost of scheduled flight (economy class) to return the domestic helper from HKSAR back to the country of origin, including the cost of ambulance transfer to and from the airport
	-	the cost of returning the body from HKSAR back to the country of origin due to death

15,000 / year

7.	Temporary Domestic Helper Allowance
	Actual expenses reasonably and necessarily incurred for hiring a temporary domestic helper when the domestic helper is unable to work for at least 5 consecutive days due to hospitalization

7,500 / year
(200 / day)

8.	Replacement of Domestic Helper Expenses
	Actual expenses reasonably and necessarily incurred for hiring a new domestic helper if the contract of service of the domestic helper has to be terminated due to health reasons (the domestic helper must be certified by a registered medical practitioner as being medically unfit to work)

7,500 / year

9.	Fidelity Cover
	Protects the employer against the financial loss arising from a dishonest act committed by the domestic helper.
	Extended Coverage:
	9.1	Charges for unauthorized long distance call
	9.2	Necessary expenses for the replacement and installation of main door lock or metal gate lock following the termination of employment contract with the domestic helper due to discovery of his/her act of infidelity

10,000/year

3,500/year

500/year

Optional Benefit

10.	Critical Illness Benefit: Reimburses the actual medical expenses incurred in the event that the domestic helper is diagnosed with any of the 12 specified critical illnesses and needs to receive treatment in hospital, medical laboratory, medical imaging centre in HKSAR or diagnosis or treatment by registered medical practitioner in HKSAR.
	-	The 12 types of Critical Illnesses are: Cancer, Cardiomyopathy, Stroke, Coronary Artery Bypass Grafting, Benign Brain Tumor, Heart Attack, Bacterial Meningitis, Tuberculous Meningitis, Liver Failure, Kidney Failure, Parkinson's Disease, and Coma.
	-	Not applicable to treatment by Chinese herbalist .
	-	No benefit will be payable if there are any signs or symptoms of the critical illness prior to effective date of this optional benefit
	-	If the insured domestic helper's maximum benefit under Critical Illness Benefit has been fully paid, such insured domestic helper's Critical Illness Benefit will be immediately terminated.

100,000/year

Notes:
4.	Territorial Limit : HKSAR

Premium (HK$)
(If the insured choose to pay the premium monthly, the whole policy must be paid monthly. The same applies to insured who selected to pay the premium annually. If Home Protection is insured and the home has a gross floor area that is more than 1,500 square feet, separate quote will be provided)

Basic Benefits || Optional Benefits || Premium Payment Methods

Basic Benefits		Annual Payment				Monthly Payment
Basic Benefits		Silver Value Plan	Gold Value Plan	Silver Plan	Gold Plan	Silver Value Plan	Gold Value Plan	Silver Plan	Gold Plan
Insured Category	Insured Item	only applicable to home with gross floor area of 750 square feet or below		only applicable to home with gross floor area of 1,500 square feet or below		only applicable to home with gross floor area of 750 square feet or below		only applicable to home with gross floor area of 1,500 square feet or below
Insured only	Personal Accident + Annual Travel	N/A	N/A	1,980	2,880	N/A	N/A	165	240
	Personal Accident + Home	1,800	2,508	2,748	3,780	150	209	229	315
	Annual Travel + Home	1,752	1,836	2,520	3,132	146	153	210	261
	Personal Accident + Annual Travel + Home	2,676	3,444	3,540	4,920	223	287	295	410
Insured and Family¹	Personal Accident + Annual Travel	N/A	N/A	3,792	5,508	N/A	N/A	316	459
	Personal Accident + Home	2,904	4,320	3,816	5,604	242	360	318	467
	Annual Travel + Home	2,712	2,940	3,420	4,224	226	245	285	352
	Personal Accident + Annual Travel + Home	4,596	5,328	5,460	7,800	383	444	455	650

Optional Benefits
		Annual Payment	Monthly Payment
I.	Golfers Protection
	i. Insured only	324	27
	ii. Insured and Family¹	636	53
II.	Domestic Helper² Protection
	i. Basic Benefit	432 / each person	36 / each person
	ii. Critical Illness Optional Benefit	348 / each person	29 / each person


Notes:
	1.	"Insured and Family" means legally married couple and all the legitimate child (ren) who is/are unmarried, not at work and aged between 6 weeks and 17 years old.
	2.	Insured domestic helper must be aged between 18 and 60 years old, and a full-time oversea employee of the insured under a written contract of domestic service (Domestic Helper Employees' Compensation Cover under item 4 of Home Protection extends to cover local domestic helper aged between 18 and 60 years old).

Premium Payment Methods:

Auto-pay through bank account with Bank of China (Hong Kong) Limited , Nanyang Commercial Bank Limited or Chiyu Banking Corporation Limited (each "the Bank")
1. Annual Payment: Please complete the Direct Debit Authorization Form and settle the first year premium with cash or a crossed cheque payable to "Bank of China Group Insurance Company Limited" upon application at any branch of the Bank in HKSAR.

Monthly Payment: Please complete the Direct Debit Authorization Form and settle the first 3 months premium with cash or a crossed cheque payable to "Bank of China Group Insurance Company Limited" upon application at any branch of the Bank in HKSAR.

Payment made by credit card

Annual Payment: Please complete the Credit Card Authorization Form to settle the premium upon application at any branch of the Bank in HKSAR. If you choose to settle the premium by BOC Credit Card 12-Month Interest-free Monthly Instalment, please complete the Interest-free Instalment Direct Debit Authorization Form and swipe the card for confirmation upon application.
Monthly Payment: Please complete the Credit Card Authorization Form upon application at any branch of the Bank in HKSAR. The first premium payment (3 months premium) will be debited from your credit card account by BOCG Insurance.

Payment made by cheque (Applicable to Annual payment only)
Please settle the premium with a crossed cheque payable to "Bank of China Group Insurance Company Limited" upon application at any branch of the Bank in HKSAR.

Major Exclusions || Enrollment Age and Other Restrictions || Claims Notice || Terms and Conditions

Major Exclusions:
For more details and other exclusions, please refer to the policy provisions.

All Protection: Pre-existing physical defects, act of war, civil commotion, act of terrorism (inapplicable to insured item 1 - Employer's Liability of Domestic Helper Protection), professional sports competition, suicide, pregnancy, influence of alcohol, drug addiction, AIDS, traveling for the purpose of studying (inapplicable to Free Student Overseas Travel Cover under Annual Travel Protection), migration, business trip involving any dangerous assignments, projects or occupation of a manual nature.
Home Protection: Wear and tear; electrical or mechanical breakdown; contact lenses, portable phones, pagers, deliberate or malicious act, war, act of terrorism, damages due to poor construction or lack of maintenance of the buildings, damages caused by any unexplained or mysterious disappearance, and consequential loss; damages caused by water seepage.
Golfers Protection: Any person with occupation as golfer; failure to provide certificate of proof from a recognised golf club¹ for a hole-in-one; or loss or damage caused by or resulting from wear and tear or deterioration.

Enrollment Age and Other Restrictions:

The insured and his/her spouse must be aged 18 or above, and the insured must be one of the insured persons.
All insured person(s) must be ordinarily residing and legal resident(s) of the HKSAR and aged between 6 weeks and 75 years old, renewal age is up to 80 years old (except for domestic helper).
If the insured category is "Insured and Family", the maximum benefit for all insured persons under Personal Accident Protection, Annual Travel Protection or Golfers Protection shall not exceed 200% in aggregate of the amount specified in each covered item under each Protection's insured plan. At the time of the incident, if the "Insured and Family" includes child(ren), such limitation shall not be applicable to "Items 1 and 7 under Personal Accident Protection" , "Items 1, 2, 11 and 13 under Annual Travel Protection" and "Items 1 and 2 of Golfers Protection".
If the insured terminates the Plan prior to the expiry date of the policy, he/she will still be required to pay at least 50% of the total annual premium.

Claims Notice:

The insured should give written notice to BOCG Insurance as soon as possible in case of any claims.
In case of any burglary / theft / robbery or any other similar attempt, please report to the police immediately.
In case of any loss of money or property, the insured and/or his/her family and/or his/her domestic helper(s) must report to the police and obtain a report at the place of loss within 24 hours of discovery.
The insured and/or his/her family members and/or his/her domestic helper(s) must give written notice to BOCG Insurance and submit the following documents (at his/her own expenses) as soon as possible within 30 days after occurrence of the event: detailed description of the event, list of damaged/loss items, repair or replacement quote and other relevant documents
Any writ, summons or other legal proceedings issued or commenced against the insured and/or his/her family members and/or his/her domestic helper(s) must be sent to BOCG Insurance immediately for processing.
The insured and/or his/her family members and/or his/her domestic helper(s) must not make any commitment to pay or pay any compensation to a third party without prior written consent from BOCG Insurance.
The insured and/or his/her family members and/or his/her domestic helper(s) must not dispose of or replace any damaged insured items without prior written consent from BOCG Insurance.

Terms and Conditions:

The Plan is underwritten by BOCG Insurance.
Bank of China (Hong Kong) Limited, Nanyang Commercial Bank Limited and Chiyu Banking Corporation Limited are the agents of BOCG Insurance.
BOCG Insurance reserves the sole discretion to determine whether to accept any application for the Plan in accordance with the information submitted at the time of the application by the insured and/or insured person.
BOCG Insurance reserves the right to amend or withhold any terms and conditions in respect of the Plan without prior notice.
This promotional material is for reference only. Details of the coverage of the Plan are subject to the terms and conditions stipulated in the policy by BOCG Insurance. Please refer to the policy documents for the details of the insured items and coverage, provisions and exclusions.
If there is any discrepancy between the English version and Chinese version of this promotional material, the English version shall prevail.

Notes:
1.	Recognised golf club: means any golf club with golf course that has 18 holes and 72 pars or above.

"BOC Family Comprehensive Protection Plan" (Series 1) Leaflet

1. Who is eligible to apply for "BOC Family Comprehensive Protection Plan" (the "Plan")?

All legal residents ordinarily residing in Hong Kong and aged between 18 and 75 are eligible to apply for the Plan.

2. What is the meaning of the "Insured and Family"? Are the insured's parents included?

The "Insured and Family" refer to legally married couples and all of their legitimate child(ren) aged between 6 weeks and 17 years old, who are unmarried and not at work. The insured's parents are not included, but if the parents live with the insured, they can be covered under the "Home Protection" benefit.

3. What are the advantages of a one-stop comprehensive protection policy, compared with an individual insurance policy?

A one-stop comprehensive protection policy covers the protection for personal accident, annual travel, home, domestic helper and golfers under one single policy, saving you from the hassle of managing more than one policy. The total premium of a comprehensive protection policy is also relatively competitive.

4. What are the application requirements for this Plan?

The insured is required to apply for at least two out of three basic benefits under the Plan before they can apply for the optional benefits.
Basic benefits include personal accident, annual travel and home protection.
Optional benefits include domestic helper and golfers protection.

5. What are the differences between the "Personal Accident Protection" in the Plan and those personal accident insurance generally available in the market?

The general individual personal accident insurance in the market allows the insured person to choose their own sum insured, and the premium is usually calculated based on the sum insured and the occupation of the insured person. The "Personal Accident Protection" provides two choices with fixed insured amount and fixed premium for customers' choice (i.e. Gold Plan and Silver Plan) to make application easier.

6. Does the Plan cover medical expenses if the insured person suffers from serious injury due to a fire accident?

Yes, if a Registered Medical Practitioner confirmed that the insured person's body is in a third degree burns and medical treatment is required for the insured person following an accident, the maximum benefit of the medical expenses will be doubled (maximum benefits per event under Silver Plan and Gold Plan will be increased from HK$30,000 and HK$45,000 to HK$60,000 and HK$90,000 respectively).

7. Under what circumstances will home nursing expenses be covered?

If the insured person is injured due to accident covered by the Plan and incurs reasonable expenses for receiving qualified nursing care service at the insured person's home for a period after being discharged from the hospital, as recommended by a Registered Medical Practitioner, the actual charges for such services will be payable. (up to a maximum of 100 days)

8. Is there any maximum cover period for each "single journey" under the "Annual Travel Protection"?

Yes, the maximum cover period for each single journey is 60 days.

9. Will the insured person's personal notebook computer be covered under the "Annual Travel Protection"?

Yes, "Baggage & Personal Effects" under the "Annual Travel Protection" can be extended to cover the loss or damage to the insured person's personal notebook computer as a result of theft or robbery during the journey.

10. Will the "Annual Travel Protection" protect me from any loss resulting from the Hong Kong Government issuing a "Black Alert" for my scheduled destination?

Yes, the insured person will be protected against the issuance of the "Black Alert" in the following situations:
(1) Prior the journey:
If the "Black Alert" has been issued for the insured person's scheduled destination prior to the departure date, resulting in cancellation of the journey, the insured person will receive compensation for prepaid non-refundable deposits and expenses. However, the insured person can only benefit from this protection if the "Black Alert" has not been issued for the scheduled destination prior to the insured person's confirmation of booking of the scheduled journey.
(2) During the journey:

The issuance of a "Black Alert" for the scheduled destination during the journey	Influence	Compensation
	- the insured person's scheduled journey is curtailed after its commencement	- non-refundable prepaid costs for the unused portion of the journey (on a pro rata basis) will be payable; and - one-off cash allowance of HK$1,000 will be granted*
	- the insured person's scheduled journey is unavoidably delayed (for more than 8 hours and by means of any kind of transportation vehicle)	- one-off cash allowance of HK$1,000 will be granted*
* Remarks: In the event of curtailment of journey and delayed of journey happened concurrently, each insured person will receive HK$1,000 cash allowance only.

11. Does the "Annual Travel Protection" protect me from any loss of my property due to burglary at my home while I am travelling?

Yes, under the "Annual Travel Protection", the insured person will be compensated for the loss of or damage to home contents due to burglary at his/her unoccupied home during the journey. The maximum amounts payable per journey under Gold Plan and Silver Plan are HK$15,000 and HK$10,000 respectively, and up to HK$3,000 per home content.

12. Are all types of residential buildings covered under the Plan?

In principle, all permanent residential buildings situated in Hong Kong, built and roofed with bricks, stone or concrete are covered under the "Home Protection". However, any residential building over 40 years old and/or property with a gross floor area that exceeds 1,500 square feet will subject to final approval of BOCG Insurance on a case-by-case basis.

13. If the gross floor area of my home is 750 square feet or below, how should I choose the right plan?

In general, you should ensure that the insured amount under the "Home Protection" would be sufficient to cover the replacement costs of your home contents. You should therefore choose a plan according to the insured amount you need.

You may consider any of the following plans:
(1) Gold Plan (Home Contents insured amount up to HK$1,200,000)
(2) Silver Plan (Home Contents insured amount up to HK$1,000,000)
(3) Silver Value Plan/Gold Value Plan (Home Contents insured amount up to HK$600,000)

14. How is the compensation amount for damage to home contents determined?

Compensation amount under the "Home Protection" will be determined on the basis of the costs required to replace the home contents lost or damaged due to accident with new ones.

15. Does the "Domestic Helper Employees' Compensation Cover" under the "Home Protection" cover medical expenses for overseas and/or local domestic helper?

No, the "Domestic Helper Employees' Compensation Cover" under the "Home Protection" only covers the insured's legal liabilities as an employer against any claim in respect of work-related injuries of overseas and/or local domestic helper according to the Employees' Compensation Ordinance and common law. If you wish to have protection for medical expenses for your overseas domestic helper, you can apply the "Domestic Helper Protection" under the optional benefits at the same time.

16. Is there any geographical limitation on "Golfers' Protection"?

No, this protection provides worldwide coverage.

17. How can I obtain "hole-in-one" celebration expenses?

The insured person must accomplish a "hole-in-one" at any recognised golf club during the period of insurance and such achievement must be certified and evidenced by a certificate issued by the recognised golf club in accordance with the normal practice.

18. What is a "recognised golf club"?

Recognised golf club means any golf club with golf course that has 18 holes and 72 pars or above.

19. What protection is provided under the "Fidelity Cover"?

The "Fidelity Cover" protects the employer against the loss of property caused by dishonest behaviour of the domestic helper. Protection may be extended to cover charges for unauthorised long distance calls and necessary expenses actually incurred for the replacement and installation of the main door lock or metal gate lock following the termination of employment contract with the dishonest domestic helper.

20. If I am insured with the "Domestic Helper Protection" and my domestic helper is diagnosed with the specified critical illness, would he/she be entitled to a one-off cash compensation?

No, the compensation will only cover the actual medical expenses incurred in the event of the domestic helper being diagnosed with any of the 12 specified critical illnesses and is required to receive treatment in hospital, medical laboratory, medical imaging centre in Hong Kong or diagnosis or treatment by registered medical practitioner in Hong Kong. (excluding Chinese herbalist treatment)

21. When do I need to make a claim when an accident claim arises?

You should give a written notice to BOCG Insurance as soon as possible and within the 30 days of the occurrence of the claim event and provide all the supporting documents as prescribed by BOCG Insurance from time to time.

22. Will the application be accepted immediately?

If all questions answered under the proposal form are "No" and premium has already been paid for, the application can be instantly approved.

23. Do I need to renew the policy upon its expiry?

No, after successful enrollment for a policy, your policy will be renewed automatically upon successful payment of the premium for the next policy year provided you have not received any notification from BOCG Insurance of any amendment to the terms and/or premium of the policy before the expiry date of every policy year.

Important Note:
The above FAQs are intended as a general summary of information for reference only. Details of the coverage of the Plan are subject to the terms and conditions stipulated in the policy by BOCG Insurance. Please refer to the policy document for the details of the insured items and coverage, provisions and exclusions.