Bank of China Group Insurance Company Limited

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I. Basic Benefits
II. Optional Benefits
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Product Highlights

10% discount on premium for family enrollment and flexibility in plan combination¹
- If two or more family members² are insured under the same policy, you can enjoy 10% discount on premium.
- Each family member can opt to take up different plan and optional benefits³ under the same policy. Child(ren)⁴ can be insured on his/her own but the application must be submitted by the parent.
Guaranteed lifetime renewal
- The Plan offers you guaranteed lifetime renewal for Hospital and Surgical, Out-patient and Dental benefits. Regardless of the insured person's health or claims condition, BOCG Insurance will not impose any additional premium or terms on the insured person after the inception date of their cover⁵.
Value-added benefits to give you extra protection
- Special cash allowance for health supplement: Allowance for health supplement will be provided after surgical operation and the receipt of purchasing health supplementary food is not required upon submission of the claim.
- Medical top up plan: A supplementary top up Hospital and Surgical insurance protection is provided for you and/or your family members² to supplement the inadequate protection of the existing insurance (e.g. the medical insurance offered by your employer).
- Chinese medical practitioner and out-patient consultation: Bone-setting, acupuncture, physiotherapy and chiropractor treatment are all covered by the Plan to fulfill your needs.
- Critical illness benefits: Apart from covering 40 common critical illnesses, the Plan also provides coverage for medical expenses arising from cancer, stroke or cardiomyopathy. Moreover, additional benefit will be offered if diagnosed with any of male or female's critical illness or serious diseases.
Free health check-up and 24-hour services
- Health check-up: In the first year of insurance, each insured person will be entitled to a basic health check-up plan. Once every 2 consecutive years of insurance thereafter, a comprehensive health check-up plan for male, female or child will be provided.
- 24-hour Worldwide Emergency Assistance Service: In addition to 24-hour Worldwide Emergency Assistance Service, a hospital deposit guarantee of HK$40,000 will be provided in the event of emergency overseas hospital confinement.
- 24-hour online service: You can visit BOCG Insurance's website anytime, anywhere for premium calculation, claim status, claim record, Body Mass Index enquiry, downloading of policy wordings, claim forms and details of network doctor, etc.
15% no claim renewal discount
An insured person with no claim made in basic benefits for 3 consecutive policy years or above will be entitled to receive 15% renewal premium discount on basic benefit in the next policy year.
Instant approval and 15-day policy review period
If your application is approved instantly and coverage is confirmed in effect, you will receive your policy around 10 working days after BOCG Insurance has received the application and relevant documents. Within 15 days from the confirmation date of the coverage, you can download the policy wordings via BOCG Insurance's website and read all benefits, terms and limitations therein. If the insured benefits do not meet your needs, you can terminate your policy by giving written notice to BOCG Insurance during the 15-day policy review period (if you have already received the policy, you must return it to BOCG Insurance). If no claim has been made by the insured person during the review period, all paid premium will be refunded.
Auto-renewal service
If you do not receive any notice of amendment on renewal terms by BOCG Insurance before the expiry date of your policy year, simply pay the required premium for the coming policy year, and your policy will be renewed automatically.

Remarks：
1.	Different insured persons under the same policy can apply for different basic benefits, plan and optional benefits.
2.	Family members mean the insured and/or his/her legally married spouse and/or his/her child(ren).
3.	Insured person must insure basic benefits prior to the application of optional benefits.
4.	Child(ren) means unmarried child(ren) who is/are from 15 days to 17 years old , or full-time student(s) aged 23 or below.
5.	BOCG Insurance reserves the right to amend or adjust the premium and terms for all policies covered under BOC Medical Comprehensive Protection Plan (Series 1).

I. Basic Benefits⁶ – enroll in all or 2 out of 3

Insured Items and Coverage

Maximum Limit (HK$)（per insured person）

Hospital and Surgical Benefit（per disability）- compulsory item

Plan1

Plan2

Plan3

Plan4
(Medical top
up plan)⁷

1.	Room and Board (maximum of 100 days) , each day limit

$630

$1,450

$2,800

Maximum annual overall limit is $200,000 and 50% reimbursement for each claim and no item limit is applied.

Note: This benefit will become invalid if the insured person does not own a valid hospital & surgical insurance upon submission of claims.

2.	Physician's Visit Fees (maximum of 100 days) , each day limit

$630

$1,450

$2,800

3.	Hospital Services Fees

$12,000

$18,000

$25,000

4.	Surgical Expenses (payable in accordance with "Classification Schedule")

- Complex

$32,000

$48,000

$68,000

- Major

$18,000

$28,000

$45,000

- Medium

$8,000

$12,500

$18,000

- Minor

$3,800

$5,500

$6,500

- Post surgical treatment by qualified Chinese medical practitioner, 1 visit per day, maximum of 5 visits per disability , each day limit

$120

$150

$180

5.	Operating Theatre Fees

up to 30% of Surgical Expenses in A4

6.	Anaesthetist's Fees

up to 30% of Surgical Expenses in A4

7.	Specialist's Fees (Referral letter issued by the qualified attending physician is required. The time lag between the issuance date of referral letter and the relevant consultation date must not exceed 6 months)

$3,000

$5,000

$8,000

8.	Intensive Care

$15,000

$20,000

$25,000

9.	Post-Hospitalization Treatment (non-surgical only; within 6 weeks immediately after discharged from hospital)

$1,200

$2,500

$4,500

10.	Extra Bed Accommodation (accompany insured child(ren) hospital confinement; maximum of 100 days) , each day limit

$500

$800

$1,000

11.	Accidental Emergency Out-patient Treatment Expenses

$1,000

$1,500

$2,000

12.	Home Nursing Fee (maximum of 100 days) , each day limit

$200

$500

$800

13.	Chemotherapy/Radiotherapy/Renal Dialysis Treatment

$20,000

$35,000

$50,000

14.	Cash allowance for health supplement (payable from the 8th day of hospital confinement onward after surgical operation, maximum 5 days per disability), each day limit

$200

$300

$500

15.	Special cash allowance for public hospital confinement in Hong Kong (maximum of 50 days) , each day limit

$500

$750

$1,000

Annual overall limit for insured person aged 76 or above under Item A.

$200,000

$400,000

$600,000

Supplementary Major Medical Benefit（per disability）

Applicable to the exhaustion of "Hospital and Surgical Benefits" payable under Basic Benefits Item A3 to A8⁸ (reimbursement in accordance with percentage)

$150,000
80%

$300,000
80%

$500,000
a. 80% or
b. 100%

N/A

Hospital Daily Cash Benefit

Regardless of the basic benefits or plan selected, insured child(ren) will be covered under Plan 1 only.
If hospital confinement is in the Mainland of China, maximum limit in this coverage will be reduced by half. For overseas hospital confinement, the claim of each insured person cannot exceed 90 days in each policy year.

1.	Daily hospital cash (maximum of 365 days per event)

300

500

1,000

300

Double indemnity due to any one of following events (maximum of 365 days per event)

Confinement in the Intensive Care Unit (maximum of 90 days per event)
Receiving major organ transplant surgery or first diagnosed with cancer disease
Suffering from defined infectious disease⁹ (maximum benefit payable up to 30 days for each infectious disease)
Temporary leaving Hong Kong but not exceeding 60 days and hospital confinement is required during this period (excluding the Mainland of China or Macau), maximum of 30 days per event )
The insured and insured legal spouse are hospitalized at the same time due to the same accident

600

1,000

2,000

600

Free Services

1.	24-hour Worldwide Emergency Assistance Service (in the event of emergency overseas hospital confinement, maximum HK$40,000 overseas hospital deposit guarantee service can be arranged)

Please refer to policy for details

In the first policy year, each insured person is eligible to enjoy a basic health check-up plan¹⁰ in accordance with the insured plan. Check-up items include blood group, rubella, cholesterol, urinalysis, triglycerides, diabetes screening, paediatric assessment, etc. For every two consecutive years of insurance thereafter, a comprehensive health check-up plan dedicated for male, female and child(ren) will be provided.

N/A

Remarks：
All charges incurred must be reasonable and customary. Plan 4 "Medical top up plan" provides the insured person(s) with supplementary top up Hospital and Surgical insurance protection to supplement the inadequate protection of the existing insurance (e.g. medical insurance offered by your employer). Compensation will only be made on the shortfall of the first hospital and surgical insurance policy and subject to 50% reimbursement for each claim and up to the maximum annual overall limit. Maximum enrollment age is 65 years old with renewal age up to 70 years old. Insured person aged 71 or above can convert insured plan to Plan 1 or Plan 2 (If the insured person opts to convert to Plan 3, he/she is required to submit documentary proof, showing that his/her coverage is equivalent to or better than Plan 3's coverage limit before the conversion). If the insured daily maximum limit for Room & Board is less than the actual amount charged for Room & Board by the hospital for hospital confinement, BOCG Insurance reserves the right to adjust the benefit payable under Supplementary Major Medical Benefit. Defined infectious disease includes malaria, cholera, meningococcal infection, dengue fever, tetanus or SARS. Health check-up will be conducted at BOCG Insurance's designated clinics or medical centres. BOCG Insurance will not be liable for the services provided or negligence of the relevant clinics or medical centres.

II. Optional Benefits⁶ (Additional coverage under "Optional Benefits" can be added after Basic Benefits are applied)

Insured Items and Coverage

Maximum Limit (HK$)（per insured person）

Plan 1

Plan 2

Plan 3

Out-patient Benefits (only 1 visit per day in total is allowed amongst item 1 to 4 below)

Network and Non-network doctor

Network doctor

Network doctor and
Non-network doctor

1.	General Practitioner (3 days western medication)
	Maximum limit per visit
	Maximum visits per year
	Co-payment – Network doctor
	Co-payment – Non-network doctor

Unlimited

$30

N/A

Unlimited

$10

N/A

Non-network doctor $350

Unlimited

20%

2.	Specialist (referral letter is required, 5 days western medication)
	Maximum limit per visit
	Maximum visits per year
	Co-payment – Network doctor
	Co-payment – Non-network doctor

Unlimited

$50

N/A

Unlimited

$30

N/A

Non-network doctor $700

Unlimited

$20

20%

3.	Chinese Medical Practitioner (include bonesetter & acupuncture)
	Maximum limit per visit
	Maximum visits per year
	Co-payment – Network doctor
	Co-payment – Non-network doctor

N/A

$180

20%

4.	Physiotherapy and Chiropractor Treatment (referral letter is required)
	Maximum limit per visit
	Maximum visits per year
	Co-payment – Network doctor
	Co-payment – Non network doctor

N/A

$340

20%

5.	Diagnostic X-ray and laboratory tests (referral letter is required)
	Maximum limit per year
	Co-payment – Network doctor
	Co-payment – Non network doctor

$2,500

N/A

$3,000

N/A

$4,000

20%

Dental Benefits

Reimbursement in accordance with percentage:

80%

100%

N/A

1.	Intra-oral small film radiograph (maximum limit per film)

$60

$70

2.	Scaling, polishing and prophylaxis (maximum limit per visit, maximum visit per year)

$300
(1 visit)

$400
(2 visits)

3.	Fillings, extraction (maximum limit per tooth)

$300

$400

4.	Drainage of abscess (maximum limit per tooth)

$200

$300

5.	Root canal fillings (maximum limit per root)

$600

$1,200

Maximum aggregate limit per policy year

$2,000

$3,800

Maternity Benefits（per pregnancy）(not applicable to child)

Including pre-natal and post-natal out-patient expenses. These benefits are not applicable to pregnancy or birth of a child within 9 months from the policy commencement date of these benefits.

1.	Caesarian section

$12,000

$15,000

$22,500

2.	Normal delivery

$8,000

$10,000

$15,000

3.	Miscarriage

$6,000

$8,000

$12,000

Critical Illness (not applicable to child)

A lump sum payment will be provided if first diagnosed with one of the covered Critical Illness¹¹. Before a claim becomes payable, the insured person must be alive for at least 30 days after being first diagnosed.
Upon approval of a claim for Critical illness from an insured person, such insured person's benefit under this "item G" will be terminated immediately.
A waiting period of 90 days: No benefit will be payable for Critical Illness where the signs or symptoms of which or the diagnosis of which first occurred within 90 days immediately followed the coverage effective date.

$100,000

$200,000

$300,000

Extended benefits

1.	Medical Expenses for Critical Illness (due to the diagnosis of cancer, stroke or cardiomyopathy)

$30,000

$45,000

$60,000

2.	Diagnosed with 5 female Critical Illness or serious disease (lump sum payment will be made payable to female insured person if first diagnosed with breast cancer, cervix uteri cancer, ovarian cancer, uterine cancer or system lupus erythematosus (SLE)¹²)

$50,000

$80,000

$100,000

3.	Diagnosed with 5 male Critical Illness (lump sum payment will be made payable to male insured person if first diagnosed with lung cancer, liver cancer, colon cancer, prostate cancer or cardiomyopathy)

$50,000

$80,000

$100,000

Remarks:
11.	40 types of Critical Illness coverage includes Cancer, Cardiomyopathy, Coronary Artery Bypass Grafting, Heart Valve Replacement, Primary Pulmonary Arterial Hypertension, Surgery To Aorta, Heart Attack, Alzheimer’s Disease, Bacterial Meningitis, Tuberculous Meningitis, Benign Brain Tumor, Coma, Encephalitis, Brain Damage, Motor Neurone Disease, Multiple Sclerosis, Muscular Dystrophy, Paraplegia/Paralysis, Parkinson’s Disease, Poliomyelitis, Stroke, Progressive Bulbar Palsy, Blindness, Loss of Hearing, End Stage Lung Disease, Fulminant Viral Hepatitis, Kidney Failure, Loss of Independent Existence, Loss of Speech, Major Burns, Major Organ Transplant, Loss of Limbs, Total And Permanent Disability, Liver Failure, HIV Through Blood Transfusion, Aplastic Anaemia, Elephantiasis, Severe Rheumatoid Arthritis, Terminal Illness, Vegetative State (persistent).
12.	SLE: Subject to 90 days waiting period and once a claim being made in this benefit, item "G" benefit will be terminated immediately for the insured person receiving such claim.

[Premium I. Basic Benefits] || [Premium II. Optional Benefits] || [Premium payment methods]

Premium (calculated in HKD and on per insured person basis. If two or more family members² are insured under the same policy, 10% premium discount will be provided)

I. Basic Benefits – Hospital and Surgical¹³ + Supplementary Major Medical¹⁴ (A+B Benefits)

Age Group	Monthly				Annual
Age Group	Plan 1	Plan 2	Plan 3a¹⁴	Plan 3b¹⁴	Plan 1	Plan 2	Plan 3a¹⁴	Plan 3b¹⁴
15 days – 17 years old	$144	$206	$310	$355	$1,649	$2,352	$3,544	$4,060
18 – 30 years old	$154	$246	$410	$455	$1,755	$2,813	$4,686	$5,202
31 – 45 years old	$196	$313	$522	$567	$2,242	$3,582	$5,964	$6,480
46 – 55 years old	$257	$415	$721	$782	$2,942	$4,747	$8,236	$8,933
56 – 60 years old	$280	$464	$819	$880	$3,199	$5,301	$9,365	$10,063
61–70 years old*	$380	$612	$1,014	$1,075	$4,341	$6,991	$11,592	$12,289
71–75 years old*	$573	$947	$1,275	$1,336	$6,553	$10,821	$14,573	$15,271
76 years old or above*	$509	$864	$1,153	$1,153	$5,815	$9,874	$13,178	$13,178

* 66 years old or above is applicable to renewal only; 76 years old or above can be renewed on Hospital and Surgical Benefits only.

I. Basic Benefits – Hospital and Surgical¹³ + Hospital Daily Cash¹⁵(A+C Benefits)

Age Group	Monthly				Annual
Age Group	Plan 1	Plan 2	Plan 3	Plan 4	Plan 1	Plan 2	Plan 3	Plan 4
15 days– 17 years old	$122	$170	$246	$95	$1,391	$1,946	$2,806	$1,081
18 – 30 years old	$145	$235	$391	$117	$1,659	$2,684	$4,468	$1,339
31 – 45 years old	$201	$318	$551	$153	$2,294	$3,638	$6,298	$1,754
46 – 55 years old	$291	$456	$861	$199	$3,329	$5,206	$9,842	$2,273
56 – 60 years old	$333	$519	$974	$275	$3,805	$5,935	$11,129	$3,143
61–70 years old*	$315	$529	$892	$223	$3,603	$6,044	$10,197	$2,546
71 years old or above*	$509	$864	$1,153	-	$5,815	$9,874	$13,178	-

* 61 years old or above can be renewed on Hospital and Surgical Benefits only. Upon renewal of Plan 4, insured person aged 71 or above can convert insured plan to Plan 1 or Plan 2. If the insured person opts to convert to Plan 3, he/she is required to submit documentary proof, showing that his/her coverage limit is equivalent to or better than Plan 3’s coverage limit before the conversion).

I. Basic Benefits – Hospital and Surgical¹³ + Supplementary Major Medical¹⁴ + Hospital Daily Cash¹⁵ (A+B+C Benefits)

Age Group	Monthly				Annual
Age Group	Plan 1	Plan 2	Plan 3a¹⁴	Plan 3b¹⁴	Plan 1	Plan 2	Plan 3a¹⁴	Plan 3b¹⁴
15 days– 17 years old	$159	$223	$341	$379	$1,817	$2,545	$3,897	$4,336
18 – 30 years old	$180	$280	$457	$496	$2,061	$3,195	$5,224	$5,663
31 – 45 years old	$234	$361	$610	$648	$2,674	$4,120	$6,971	$7,410
46 – 55 years old	$340	$518	$945	$960	$3,880	$5,917	$10,797	$11,425
56 – 60 years old	$379	$580	$1,056	$1,111	$4,335	$6,629	$12,069	$12,696
61–70 years old*	$380	$612	$1,014	$1,075	$4,341	$6,991	$11,592	$12,289
71–75 years old*	$573	$947	$1,275	$1,336	$6,553	$10,821	$14,573	$15,271
76 years old or above*	$509	$864	$1,153	$1,153	$5,815	$9,874	$13,178	$13,178

* 61-75 years old can be renewed on Hospital and Surgical Benefits and Supplementary Major Medical Benefits only; 76 years old or above can be renewed on Hospital and Surgical Benefits only.

II. Optional Benefits

Age Group/Benefits	Monthly			Annual
Age Group/Benefits	Plan 1	Plan 2	Plan 3	Plan 1	Plan 2	Plan 3
D. Out-patient¹³ Benefit	Network		Network & Non-network (80% Reimbursement)	Network		Network & Non-network (80% Reimbursement)
15 days– 4 years old	289	396	477	3,300	4,523	5,446
5 - 30 years old	232	331	468	2,656	3,780	5,349
31 - 45 years old	232	331	588	2,656	3,780	6,724
46 - 60 years old	232	331	746	2,656	3,780	8,528
61 - 70 years old	297	417	960	3,390	4,760	10,972
71 years old or above	297	417	1,119	3,390	4,760	12,792
E. Dental¹³Benefit
15 days or above	79	140	N/A	902	1,600	N/A
F. Maternity Benefit (not applicable to child)
18 – 30 years old	344	431	646	3,936	4,920	7,380
31 – 40 years old	387	484	726	4,428	5,535	8,303
41 – 50 years old	301	377	565	3,444	4,305	6,458
G1. Critical Illness (non-smoking) (not applicable to child)
18 – 30 years old	12	23	34	142	267	386
31 – 40 years old	35	66	98	397	757	1,122
41 – 45 years old	57	111	166	654	1,271	1,900
46 – 50 years old	85	168	251	969	1,922	2,867
51 – 55 years old*	122	242	362	1,393	2,769	4,142
56 – 60 years old*	177	352	526	2,022	4,017	6,015
G2. Critical Illness (smoking) (not applicable to child)
18 – 30 years old	17	33	48	196	373	546
31 – 40 years old	51	98	145	578	1,115	1,658
41 – 45 years old	83	165	245	950	1,883	2,803
46 – 50 years old	124	245	366	1,412	2,801	4,184
51 – 55 years old*	177	352	527	2,022	4,022	6,020
56 – 60 years old*	256	509	763	2,923	5,819	8,717

*51-60 years old is for renewal only

Remarks：
13.	Hospital and Surgical, Out-patient and Dental Benefits: enrolment age is up to 65 years old, aged 66 or above is for renewal only.
14.	Supplementary Major Medical Benefits: enrolment age is up to 65 years old and renewal age is up to 75 years old. Claim reimbursement percentage for Plan 3a and Plan 3b are 80% and 100% respectively.
15.	Hospital Daily Cash Benefits: both enrolment and renewal age is up to 60 years old. Regardless of the basic benefits or plan selected, insured child(ren) will be covered under Plan 1 only.

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.
2. 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
1. 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.
2. 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.

[Eligibility and geographical limit] ||[Insuring and renewal age limit:] ||[Major exclusions] || [Revisions, notice of termination and claims note]

Eligibility and geographical limit

Age: the insured and his/her spouse should be aged 18 or above.
Child(ren): can be insured on his/her own but the application must be submitted by the parent.
Insured person: must be a legal resident of the Hong Kong Special Administrative Region
Geographical coverage: Worldwide. Applicable to below cover items
1. Hospital and Surgical (include Medical top up plan), Dental, Maternity, Critical Illness;
2. Supplementary Major Medical (limited to accidental emergency situation), Hospital Daily Cash (limited to 90 days hospital confinement in each policy year), Out-patient (limited to Plan 3).

Insuring and renewal age limit

Insured Items	Insured age group	Renewal ages
A. Hospital and Surgical	15 days - 65 years old	lifetime
B. Supplementary Major Medical	15 days - 65 years old	up to 75 years old
C. Hospital Daily Cash	15 days - 60 years old	up to 60 years old
D. Out-patient	15 days - 65 years old	lifetime
E. Dental	15 days - 65 years old	lifetime
F. Maternity	18 - 50 years old	up to 50 years old
G. Critical Illness	18 - 50 years old	up to 60 years old

Major exclusions (For more details, please refer to the policy)

Congenital conditions, any latent illness or disease existed prior to the effective date of the policy, sickness occurred within 15 days from the effective date of the coverage, routine physical examination, dental treatment (except cover is provided under Dental benefit), eye tests, cosmetic or plastic surgery, pregnancy or childbirth (except cover is provided under maternity benefit), fertility or infertility treatment, AIDS, HIV related sickness or injury (except cover is provided under Critical Illness), alcoholism, mental disorders, drug addiction, venereal diseases, illegal acts, war, strike, riot, act of terrorism, professional sports or high risks activities, all hospitalization expenses incurred primarily for examinations (such as diagnostic scanning, X-ray examination, etc) or physiotherapy, etc.

Revisions, notice of termination and claims note

Premium and term adjustment: Premium and terms is determined both by the plan selected at the date of application and by the age of the insured person, additional premium will be imposed upon the insured person entering into another pre-set age group at time of policy renewal. Regardless of the insured person's health or claims condition, BOCG Insurance will not impose any additional premium or terms on the insured person after the inception date of their cover. However, BOCG Insurance reserves the right to amend or adjust the premium and terms for all policies covered under BOC Medical Comprehensive Protection Plan (Series 1).
Plan revision: The insured can revise the policy simply by giving a written notice to BOCG Insurance 30 days prior to the expiry date of the policy. The new plan and premium will only become effective on the first day of the new policy year.
Termination of policy and premium refund:
1. If the insured terminates the policy or any one of the insured person's benefits before the expiry of the policy, no premium will be refunded, the insured should pay 100% of annual premium.
2. If the insured person is covered under "Plan 4 - Medical top-up plan" and gives written notice to terminate the policy during the policy period for the reason of Company Medical insurance cancellation due to his/her termination of service, the insured person shall be entitled to the return of a proportionate part of the paid annual premium upon submission of evidence of proof document. At the same time, the insured person can request to convert his/her insured plan to Plan 1 or 2 or 3 (if Plan 3 is selected, insured person should submit documentary proof showing that his/her previous company medical insurance coverage is equivalent to or better than Plan 3 limit before the conversion).
Claims note: If a claim has incurred, the insured person is required to provide BOCG Insurance as soon as possible with written notice together with the evidence of proof for the claim item. Claims payment and the settlement advice will be sent to the insured within 14 working days after the sufficient evidence of proof is received.

Terms & 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 right to determine whether the application is acceptable or not in accordance with the information submitted at the time of application by the insured or insured person.
BOCG Insurance reserves the right to amend or withhold any terms and conditions without prior notice.
This promotional material is for reference only. Details of the coverage are subject to the terms and conditions stipulated in the policy by BOCG Insurance.

1. What is special in the "BOC Medical Comprehensive Protection plan (Series 1)" product?

The product has extensive special features which provides you & your family members total medical protection solution including:

Guarantee lifetime renewal: applicable to Hospital and surgical, Out-patient and Dental benefit;
Flexible in choice of cover: each family member can opt to take up different plan and optional benefits under the same policy;
Special offer for family enrollment: if two or more family members are insured under the same policy, you can enjoy 10% discount on premium.
Worldwide cover：Applicable to below cover items
i. Hospital and Surgical (include Medical top up plan), Dental, Maternity, Critical Illness;
ii. Supplementary Major Medical (limited to accidental emergency situation), Hospital Daily Cash (limited to 90 days hospital confinement in each policy year), Out-patient (limited to Plan 3).
Special benefits including
i. Medical top-up plan (Plan 4);
ii. Cash allowance for health supplement;
iii. Bone-setting, acupuncture, physiotherapy and chiropractor treatment ;
iv. 40 types of Critical Illness benefit;
An array of "Free" additional services including
i. Medical check up plans;
ii. 24-hour worldwide emergency assistance hotline service, in the event of emergency overseas hospital confinement, maximum HK$40,000 overseas hospital deposit guarantee service can be arranged;
iii. 24-hour BOCG Insurance web online service;
15% no claim renewal premium discount (NCD);
Instant approval of application and 15 days policy review period;
Automatic renewal of policy.

2. Will there be any additional premium imposed to the insured person if any claim was payable?

Regardless of the insured person's claims or health condition, BOCG Insurance will not impose any additional premium or terms on the insured person after the inception date of their cover. However, the Company reserves the right to amend or adjust the premium and terms for all policies covered under BOC Medical Comprehensive Protection Plan (Series 1).

3. Please explain what does「family member」means？

Family members means the insured and/or his/her legally married spouse and/or his/her unmarried child(ren) who is/are from 15 days to 17 years old , or full-time student(s) aged below 23.

4. Can I insure my child(ren) alone?

Yes, child(ren) can be insured on his/her own but the application must be submitted by their parent.

5. Why should I buy the Medical top-up plan and are there any restrictions?

If you find your Medical insurance provided by your employer or other personal Medical insurance which you may have is not enough, this will assist you to fill in the gap for the inadequacy. (Note: This benefit will be invalid if the insured person had not owned a valid Hospital & surgical medical insurance policy upon the submission of claim)

6. In what situation can a claim be made for cash allowance for health supplement?

Claims will be payable from the 8th day onward after hospitalization and surgical operation.

7. Are there any waiting period in Critical Illness benefit?

Yes, no benefit will be payable for Critical Illness where the signs and symptoms of which or the diagnosis of which occurred within the 90 days immediately following the effective date of coverage except the claim incurred solely as the result of an accident.

8. How many medical check up plan can the insured person be entitled?

In the first year of insurance, each insured person will be entitled to a basic health check-up plan. Once every 2 consecutive years of insurance thereafter, a comprehensive health check-up plan for male, female or child will be provided. Moreover, an extra medical check up discount coupon will be provided to the insured in each policy year.

9. In what situation the 15% no claim renewal premium discount (NCD) will be provided? If one insured person has made a claim, will other insured person's NCD be affected?

An insured person with no claim made in basic benefits for 3 consecutive policy years or above will be entitled to receive 15% renewal premium discount on basic benefit in the next policy year. If one insured person had made a claim, the NCD for all other insured person covered under the same policy will not be affected.

10. In what situation can the application be accepted immediately, and will there be any policy inspection period?

If all questions answered under the proposal form are "No" and you have not applied for the Critical Illness cover, once the premium of the policy is paid, instant approval of application can be granted. If you are not satisfied with the terms of the policy, you can cancel the insurance within 15 days policy inspection period from the effective of insurance and should there be no claim being paid during this period, all premium paid will be refunded.

11. Do I need to renew the policy upon it's expiry date?

No, once the application of insurance is accepted, the policy will be renewed automatically provided that the required renewal premium is paid upon each renewal policy year.

12. What useful information is available in BOCG Insurance website?

You can check your own claim status & record, body mass index and download claim forms, policy terms and details of updated network doctor information.

<< BOC Medical Comprehensive Protection Plan (Series 1) Proposal Form >>

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Weight (kg)	Height (m)	"Body Mass Index" (BMI)