Bank of China Group Insurance Company Limited

Introduction
Protection Highlights
Insured Items & Coverage
Premium Table
Others
Download Leaflet
FAQ

Bank of China Group Insurance Company Limited ("BOCG Insurance") introduces you, as a managerial executive, a brand new "Executive Comprehensive Protection Plan" ("the Plan"). In addition to the protection for Personal Accident, this Plan will cover Annual Travel and Golfers Protection. From now on, you need not worry about the potential financial burden your family may have in case of an accident and stay focused on developing your business.

Protection Highlights

Customer must enrol in at least two protection items in the Plan. In addition to Personal Accident Protection (A) which is compulsory, customer can opt for (B) Annual Travel Protection and/or (C) Golfers Protection.

(A)	Personal Accident Protection
	•	Sum insured at your own choice with a fixed premium rate regardless of insured person's occupation¹
	•	Double indemnity protection for accidental death or permanent total disablement
	•	Coverage for medical expenses incurred (including bonesetters and Chinese herbalist) as a result of accidents, credit card outstanding balance protection and 24-hour Worldwide Emergency Assistance Services

(B)	Annual Travel Protection
	•	Comprehensive protection for business or leisure travel covering medical expenses, loss of baggage and personal effects, legal liabilities, travel and baggage delay, cancellation or curtailment of journey, etc.
	•	Excess-free with coverage for a variety of popular adventurous activities
	•	Protection against loss of home contents due to burglary happened at home while traveling
	•	Newly added "Outbound Travel Alert"² Protection

(C)	Golfers Protection
	•	Protection for golfing equipment, personal effects, legal liabilities and cancellation of golfing journey, etc.
	•	Disburse expenses for celebration of achieving a hole-in-one
	•	Worldwide coverage
	•	Free golf course referral and booking hotline assistance

Up to 30% No-Claim Premium Discount on Renewal
•	If no claim has been filed during the insured period, you can enjoy the following premium discounts for each consecutive renewal year:
	>	1st renewal year : 10% premium discount
	>	2nd renewal year : 15% premium discount
	>	3rd renewal year : 20% premium discount
	>	4th renewal year: 25% premium discount
	>	5th or above renewal year: 30% premium discount
•	"No-claim premium discount on renewal" is applicable to the whole policy
•	If the policy is insured under the name of a Company³, change of the insured person⁴ upon renewal will not affect the "No-claim premium discount on renewal"

Instant Approval and Auto-renewal Service
•	If your application is approved instantly and each coverage item is confirmed to be effective, under normal circumstances, the policy will be issued around 10 working days upon receipt of application by BOCG Insurance
•	In respect of each policy year, if you do not receive any notice of amendment of renewal terms from BOCG Insurance prior to the expiration of the policy year, your policy will be automatically renewed simply by settling the required premium for the upcoming policy year

Notes:
1.	Not applicable to the occupations excluded by BOCG Insurance (please refer to the proposal form for details).
2.	The "Outbound Travel Alert (OTA) System" was set up by the Security Bureau of the Government of Hong Kong Special Administrative Region ("Hong Kong"), which covers countries which are often the travel destinations for Hong Kong residents and uses amber, red and black signals to differentiate among different levels of risk, with an aim to help Hong Kong residents better understand the risk or threat to personal safety while traveling abroad.
3.	If the policy is insured under the name of a Company and insured person has more than one, each insured person has to individually apply for the insurance.
4.	The insured person replaced must make the declaration to BOCG Insurance that all answers in the "Stated information for this Proposal Form" are "No".

(A) Personal Accident Protection

Insured Items & Coverage

Maximum Benefit (HK$)

1.	Personal Accident
	-	Death / permanent total disablement / permanent total loss of both limbs / 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 body 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 permanent total loss of speech are 75% and 50% of the specified amount respectively)
	(This benefit does not apply to any insured person who has been or will be paid compensation under the below-mentioned item no. 2 "Double Indemnity for Accidental Death or Permanent Total Disablement" under "(A) Personal Accident Protection")
	(Maximum benefit payable for insured person aged over 70 is HK$300,000)

Based on the selected sum insured
(1)	selected range from 2,000,000 per year to 10,000,000 per year (with every 1,000,000 as an unit for additional sum insured);
(2)	if sum insured exceeds 10,000,000 per year, premium rates to be negotiated separately.

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 insured person aged over 70)

Double the sum insured for insured item no.1 "Personal Accident" under (A) Personal Accident Protection"

3.	Credit Card Outstanding Balance Protection
	-	In the event of accidental death of the insured person, repayment of any outstanding balance payable under the insured person's credit cards charged during the period of insurance

30,000 per year

4.	Medical Expenses
	-	Medical expenses incurred for bodily injury caused by accident (including expenses for Chinese herbalist and bonesetters, provided that the maximum benefit payable is HK$150 per day and up to a total of HK$1,000 per year)

40,000 per event

5.	24-hour Worldwide Emergency Assistance Services (All expenses or 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)
	5.1	Emergency Medical Assistance Services
		(a)	Emergency medical evacuation or repatriation
		(b)	Expenses associated with the transport of body after death
		(c)	Compassionate visit by relatives (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)
		(d)	Return of unattended dependent child(ren) to Hong Kong
		(e)	Return of the insured person to Hong Kong after medical treatment
		(f)	Hospital admission deposit guarantee
	5.2	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
100,000
60,000



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

(B) Annual Travel Protection¹

Insured Items & Coverage

Maximum Benefit (HK$)
(Payable on per journey basis)

1.	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 insured person aged over 70 is HK$300,000)
		-	Follow-up medical, hospital and treatment expenses incurred in the Hong Kong within 3 months upon 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)
		(In no event shall the total amount payable under this item (a) exceed HK$1,000,000)
	(b)	Daily hospital cash benefit: daily hospital cash will be paid for hospital confinement exceeding 24 hours either abroad, or upon immediate return to Hong Kong as a result of bodily injury or sickness occurred during the journey.


1,000,000


60,000




6,000
(500 per day)

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)

50,000

3.	Baggage and Personal Effects
	Covers the loss of or damage to the insured person's baggage and personal effects, with extended coverage of loss or damage to the insured person's personal notebook-computers as a result of theft or robbery during the journey (Maximum benefit payable is HK$3,000 for each or each set of article(s))

15,000

4.	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 transition or hi-jacking

1,500

5.	Personal Money and Travel Documents
	Coverage for the loss of cash or travelers' cheques as a direct result of robbery and the cost of replacing air ticket or other travel documents

5,000

6.	Legal Liability⁶
	Protection against the legal liability for any third party's death, bodily injury or property damage caused by the insured person's negligence

7,500,000 per year per event

7.	Travel Delay / Rerouting
	If the departure of the scheduled flight or sea vessel has been 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 payable for each 8-hour travel delay; or
	- additional transportation and accommodation expenses necessarily incurred by the insured person for rerouting

2,500

5,000

8.	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 close family members or close business partners, or
	(b)	issuance of Black Alert³ for the scheduled destination by the Hong Kong Government under the "Outbound Travel Alert System"²

35,000

9.	Curtailment of Journey
	-	If the trip has to be curtailed after its commencement for the following reasons, the non-refundable prepaid costs for the unused portion of the journey will be reimbursed proportionally to the insured person:
		(a)	death, injury, illness of the insured person or the person with whom the insured person is traveling with or close family members or close business partners or hi-jacking of the aircraft that they travel on; or
		(b)	issuance of Black Alert for the scheduled destination by the Hong Kong Government under the "Outbound Travel Alert System"²
	-	One-off cash allowance of HK$1,000 will be payable in the event of unavoidable curtailment of the scheduled journey or unavoidable delay (for more than 8 hours and by means of any kind of transportation vehicle) in the course of a scheduled journey as stipulated prior to departure due to issuance of Black Alert for the scheduled destination
	-	Protection against additional accommodation expenses necessarily incurred to replace lost travel documents as a result of robbery, burglary or theft during the travel period

35,000

10.	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 abroad

10,000
(3,000 per item)

Notes:
1.	Maximum cover period for each single journey is 60 days.
2.	The "Outbound Travel Alert (OTA) System" was set up by the Security Bureau of the Government of Hong Kong Special Administrative Region ("Hong Kong"), which covers countries which are often the travel destinations for Hong Kong residents and uses amber, red and black signals to differentiate among different levels of risk, with an aim to help Hong Kong residents better understand the risk or threat to personal safety while traveling abroad.
3.	Cancellation of journey benefit will only be payable if Black Alert has not been issued for the scheduled destination prior to the booking of the scheduled journey.

(C) Golfers Protection⁴

Insured Items & Coverage

Maximum Benefit (HK$)

1.	Hole-in-one
	Covers the expenses for celebration of achieving a hole-in-one at any recognised golf club⁵ by the insured person.

60,000 per year
(12,000 per event)

2.	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 club⁵, golf course or driving range

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

3.	Personal Effects
	Accidental loss of or damage to the insured person's personal effects in any recognised golf club⁵, golf course or driving range (excluding jewellery, silver / gold articles, furs, cash, credit card and cheques, etc.)

12,000 per year
(3,000 per item)

4.	Golfing Journey Cancellation
	Covers non-refundable deposits and prepaid cost of golf journey cancelled outside Hong Kong incurred by the insured person as a result of death or serious accidental bodily injury requiring hospital confinement for more than 24 hours of the insured person or his/her immediate family members or close business partners (each as a resident of Hong Kong).

5,000 per event

5.	Legal Liability⁶
	Insured person's legal liabilities for injury to any third party or damage to their property accidentally caused by the insured person's negligence while playing or practising golf at any recognised golf club⁵, golf course or driving range

7,500,000 per year per event

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

Notes:
4.	Territory Limit：Worldwide
5.	Recognised golf club: means any recognised golf club with a golf course that has 18 holes and 72 pars or above.
6.	If Protection (B) "Annual Travel Protection" and (C) "Golfers Protection" are insured at the same time, the maximum benefit for legal liabilities of any overseas claim under the policy shall not exceed HK$7,500,000 per year per event.

Premium¹(calculated in HK$)

Protection	(A) + (B)	(A) + (C)	(A) + (B) + (C)
Protection Items	Personal Accident + Annual Travel	Personal Accident + Golfers	Personal Accident + Annual Travel + Golfers
Annual Premium	(Personal Accident selected sum insured x 0.08% + 400) + 650	(Personal Accident selected sum insured x 0.08% + 400) + 400	(Personal Accident selected sum insured x 0.08% + 400) + 650 + 400

Notes:
1.	If the insured terminates the Plan during the period of insurance, at least 50% of the annual premium of the policy will be payable. If any claim was made under the policy during the policy year, BOCG Insurance will charge 100% of the annual premium as the minimum premium.

Premium Payment Methods:
1.	Auto-pay through bank account with Bank of China (Hong Kong) Limited, Nanyang Commercial Bank Limited or Chiyu Banking Corporation Limited (each "the Bank")
	Please complete the Direct Debit Authorisation 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.	Payment made by credit card
	Please complete the Credit Card Authorisation 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 Authorisation Form and swipe the card for confirmation upon application.
3.	Payment made by cheque
	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] || [Major Exclusions] || [Notes for making a claim] || [Terms and Conditions]

Eligibility:

Any legal resident(s) ordinarily residing in Hong Kong, who is a managerial executive (including business and/or staff management) of non manual work and aged between 18 and 75 years old.

Major Exclusions (For more details and other exclusions, please refer to the provisions of the policy):
•	All Protection items: Pre-existing illnesses, physical defects, suicide, pregnancy, AIDS; act of war, civil commotion, act of terrorism; professional sports competition; influence of alcohol, drug addiction; traveling for the purpose of studying, migration; business trip involving any dangerous assignments, projects or occupation of a manual nature.
•	Golfers Protection: Any person with the occupation as golfer, failure to provide certificate of proof from a recognised golf club¹ for achieving a hole-in-one, loss or damage of golfing equipment caused by or resulting from wear and tear or deterioration.

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

Notes for making a claim:
•	The insured should give a written notice to BOCG Insurance as soon as possible in case of any claims.
•	In case of any burglary / theft / robbery or any similar attempt, please report to the police immediately.
•	In case of any loss of money or property, the insured and/or insured person must report to the police at the place of loss within 24 hours of discovery and obtain a report.
•	The insured and/or insured person must give a written notice to BOCG Insurance and submit the following documents, at his/her own expense, as soon as possible within 30 days after occurrence of the claim event: description of the event with full particulars, 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 insured person must be immediately delivered to BOCG Insurance for processing.
•	The insured and/or insured person must not make commitment or pay any compensation to any third party without the written consent from BOCG Insurance.
•	The insured and/or insured person must not dispose of or replace any damaged insured items without the 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 right to determine in its sole and absolute discretion whether to accept any application for the Plan based on the information submitted at the time of 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 document 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.

Executive Comprehensive Protection Plan Leaflet

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

All legal residents ordinarily residing in Hong Kong SAR aged between 18 and 75, who are managerial executive (including business and/or staff management) of non manual work are eligible to apply for the Plan.

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

One-stop comprehensive protection policy covers the protection for personal accident, annual travel 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.

3. What are the application requirements for the Plan?

The insured must apply for Personal Accident Protection under the Plan before applying for the Annual Travel and/or Golfers Protection under the Plan.

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

The calculation of premium for general individual personal accident insurance in the market is based on the occupation of insured person. However, the Plan enables you to select sum insured at your own choice and offer you with fixed premium rates calculated regardless of your occupation*, which saves you more premium and give you total convenience.

*Not applicable to the occupations excluded by Bank of China Group Insurance Company Limited ("BOCG Insurance")

5. What are the minimum and maximum sum insured for "Personal Accident Protection"?

The minimum sum insured is HK$2,000,000 per annum and the maximum sum insured does not exceed HK$10,000,000 per annum. Every HK$1,000,000 is served as an additional sum insured unit, if the sum insured exceeds HK$10,000,000 per annum, the negotiation of premium rate needed separately.

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

Yes, "baggage and 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.

7. Will the "Annual Travel Protection" protect me from any loss resulting from the Hong Kong SAR 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 by Hong Kong SAR Government 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.

8. 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 is HK$10,000, and up to HK$3,000 per home content.

9. Is there any geographical limitation on "Golfers Protection"?

No, this protection provides worldwide coverage.

10. 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 a recognised golf club in accordance with the normal practice.

11. What is a recognised golf club?

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

12. 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 30 days upon occurrence of the claim event and provide all the relevant documents as prescribed by BOCG Insurance from time to time.

13. 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.

14. Is there a minimum premium for the Plan?

If the insured terminates the Plan during the period of insurance, at least 50% of annual premium of the policy will be payable. If any claim was made under the policy during the policy year, BOCG Insurance will obtain 100% of the annual premium as the minimum premium.

Important Note

The above FAQs are intended as a general summary of information and for reference only. Details of the coverage of the Plan are subject to the terms and conditions stipulated in the policy issued by BOCG Insurance. Please refer to the policy documents for 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.