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Added peace of mind with daily cash benefits || Double cash benefit helps release financial burden || 10 times of daily cash benefit for surgical expenses ||
"No claims" renewal bonus || Free 24-hour worldwide emergency assistance service || 10% discount for family cover || Free 15-day policy review period

Added peace of mind with daily cash benefits

We may be facing different health problems at different stages of our life. When it comes to hospitalization arising from sickness, huge financial burden will be resulted. "Healthy Hospital Cash Insurance Plan" presented by BOCG Insurance gives you and your family members a daily cash benefit. Regardless of how much your medical expenses have been incurred or you are already covered by other medical insurance plans, you will receive the cash benefit based on the number of days of your hospital stay. You are free to spend the cash as you want – to settle the medical bills or other daily living expenses.

Double cash benefit helps release financial burden

In case of hospital confinement due to any of the following events, Double "Hospital Daily Cash" Benefit will be provided:

  • confinement in the intensive care unit
  • receiving major organ transplant surgery or first diagnosed with cancer disease
  • suffering from defined infectious disease
  • temporary leaving Hong Kong (not exceeding 60 days) and require hospital confinement during this period (excluding hospital confinement in the Mainland of China or Macau)
  • the Insured and insured spouse are hospitalized at the same time due to the same accident

10 times of daily cash benefit for surgical expenses

In the event of in-hospital confinement and surgical operation due to accidental injury or illness, "Healthy Hospital Cash Insurance Plan" will reimburse all related surgical expenses up to 10 times of your Hospital Daily Cash Benefit.

"No claims" renewal bonus

If you have not made a claim during the policy year, premium discount will be offered upon policy renewal in subsequent years: 10% off on the first year's renewal, 15% off for the second consecutive year, 20% off for the third consecutive year, 25% off for the fourth consecutive year, 30% off for the fifth consecutive year and onward.

Free 24-hour worldwide emergency assistance service

In case of emergency during travel, you can always enjoy the free 24-hour access to worldwide emergency assistance service including referral for medical advice or legal, or travel information enquiry with just one phone call.

10% discount for family cover

Extend the comprehensive coverage to your spouse and child(ren) and enjoy a 10% discount on premium. There is no limit to the number of child(ren). All child(ren) aged 6 months or above will be covered with one single premium at no extra cost.

Free 15-day policy review period

You can return the full set of insurance policy together with a written notice to BOCG Insurance within 15 days after the effective date of your policy, provided that no claim has been made. In this case, your policy will be cancelled and the premium paid will be refunded accordingly.

 

Insured Items and Coverage
Plan 1
(HK$)
Plan 2
(HK$)
A. Hospital Daily Cash Benefit    
  1. Hospital Daily Cash Benefit
Maximum number of days per event
Maximum amount payable per event
500
750 days
375,000
1,000
750 days
750,000
2. Double "Hospital Daily Cash" Benefit
Maximum number of days per event
Maximum amount payable per event
   Double "Hospital Daily Cash" Benefit payable for hospital confinement due to any of the following events:
a. confinement in the intensive care unit (maximum benefit payable up to 90 days)
b. receiving major organ# transplant surgery or first diagnosed with cancer disease
c. suffering from defined infectious disease## (maximum benefit payable up to 30 days for each infectious disease)
d. temporary leaving Hong Kong (not exceeding 60 days) and require hospital confinement during this period (excluding hospital confinement in the Mainland of China or Macau)
e. the Insured and insured spouse are hospitalized at the same time due to the same accident
1,000
750 days
750,000
2,000
750 days
1,500,000
B. Surgical Expenses    
  Maximum amount payable per event
(Covers surgeon's operation costs including
hospital charges, doctor's fees, surgeon's fees,
anesthetist's fees and operating theatre fees)
5,000
10,000
C. Free 24-hour Worldwide Emergency Assistance Service
Please refer to the policy for details
Remarks :
# Major organ means heart, heart and lungs, liver, pancreas, kidney or bone marrow.
## Infectious disease means Malaria, Cholera, Meningococcal Infection, Dengue Fever, Tetanus or SARS.
  • Each confinement day in hospital must exceed 24 consecutive hours.
  • "Hospital Daily Cash" and Double "Hospital Daily Cash" Benefit are limited to a maximum of 750 days per event cumulative both in and outside Hong Kong; hospital confinement outside Hong Kong is limited to 30 days per policy year.
  • Benefits for hospitalization in the Mainland of China are limited to 50% in "item A - Hospital Daily Cash Benefit and item B - Surgical Expenses".
  • Two other plans with higher limit are available. For details, please call BOCG Insurance Hotline at (852) 3187 5100.

 

Insured Age*
Plan 1 (HK$)
Plan 2 (HK$)
18-30
940
1,700
31-40
1,080
1,950
41-50
1,530
2,760
51-60
2,380
4,280
61-65**
2,590
4,670
All child(ren)***
500
900
Remarks: All Insured Person(s) must be legal residents of Hong Kong.
* The Insured and insured spouse must be aged from 18 years old to 60 years old, and renewal up to 65 years old.
** For renewal only.
*** All child(ren) means the Insured's dependant unmarried child(ren) aged from 6 months to 21 years old and to 23 years old if they are full-time student(s). The coverage limit for child(ren) is half of that for the adult Insured Person.

 


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 policy; routine physical examination, dental treatment, eye tests; cosmetic or plastic surgery, pregnancy, fertility or infertility treatment; alcoholism, mental disorders, drug addiction, venereal diseases, AIDS, HIV related sickness or injury; 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.

For more details, please refer to the policy.

Notes for policy effective date, auto renewal, revisions and notice of claim:
1.
Policy Effective Date: Effective after ten (10) workings days from receipt and acceptance of the Proposal Form.
2. Auto renewal : Once the application is accepted and upon expiry of each policy year, the subsequent policy year's required renewal premium had been paid, the policy will be automatically renewed each year.
3. Cease policy auto renewal service : The auto renewal service can be ceased provided that written notice has been given to the Company thirty (30) days before the coming policy expiry date.
4. Revise Insured Plan: The Insured Plan can be revised provided that written notice has been given to the Company thirty (30) days before the coming policy expiry date. The new Plan and premium will be effective only on the first (1st) day of the earliest coming renewal policy year.
5. Notice of claim: The Insured Person(s) must notify the Company in writing within fourteen (14) days from the commencement of hospital confinement for prompt claims processing.
Applicable to payment of premium by BOC/Nanyang Comm'l Bank/Chiyu Bank Account only.
Remarks:
  • This leaflet is for reference only. Details of coverage are subject to the terms and conditions stipulated in the policy.
  • In the event that the Chinese version does not conform to the English version, the English version shall prevail.
  • Bank of China Group Insurance Company Limited reserves the right to amend or withhold any terms and conditions without prior notice.

 

1. What is the basis to determine the premium and annual renewal premium?
Premium for Insured Person is based upon the attained age on the commencement date of the policy and the first day of each subsequent renewal Policy year. If Insured Person has attained to another age group upon renewal, then new premium has to be charged.
2. What is the procedure to add an adult Insured Person?
Just complete the " Individual Medical Insurance Endorsement Application Form" with your existing Policy Number stated and return to the Company for approval. If approved, the Company will collect the insured adult's first year premium on proportional basis and in accordance to the premium to be charged under his/her age group.
3. Is the cover limit for the Child(ren) be the same as adult?
The coverage limit for each child(ren) is half of adult Insured Person.
4. If I choose family cover, can my Child (ren) or Spouse choose difference plan ?
No, all Insured family members of the Insured should apply the same plan in the same policy.
5. Who can apply "Healthy Hospital Cash Insurance Plan"?
All legal residents of Hong Kong aged between 18-60 years can apply.
6. When should I submit the application for claims?
The Insured Person(s) or personal representative must notify the Company in writing within 14 days from the commencement of hospital confinement and complete the following forms with relevant supporting documents and receipts to the Company no later than thirty (30) days from the discharged date of the Hospital:
(1) Hospitalization & Surgical Claim Form; and
(2) Attending Physician's Statement ; and
(3) Original copy of Hospital receipts and itemized Hospital charges.
7. Does the "Healthy Hospital Cash Insurance Plan" provide worldwide protection for hospital confinement?
Yes, "Healthy Hospital Cash Insurance Plan" provides 24 hours worldwide cover for hospital confinement due to accidental injury or sickness, regardless of whether you are in Hong Kong or any place in the world. If hospital confinement is in the mainland China, maximum limit of indemnity for "Hospital Daily Cash benefit" and "surgical expenses" will be limited to 50% (No benefit will be provided for Insured person(s)' travelling for the purpose of or in connection with emigration or studying overseas).
8. When will the cover for "Healthy Hospital Cash Insurance Plan" becomes effective?
Coverage will be effective after 10 working days from receipt and acceptance of the Proposal Form by the Company.
9. Is health examination required before applying the insurance?
No health examination is required. All you need is to answer several simple health questions about yourself and your family members in the Proposal Form.
10. What is the "24 hours worldwide emergency assistance service"?
Whether your travel is for leisure or business, in case of emergency you can enjoy free access to 24 hours worldwide emergency assistance service. By giving the name of Insured Person and the policy number, you can receive referral service for medical advice or legal, translation or travel information enquiry.