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

1. Guarantee lifetime renewal: applicable to Hospital and surgical, Out-patient and Dental benefit;
2. Flexible in choice of cover: each family member can opt to take up different plan and optional benefits under the same policy;
3. Special offer for family enrollment: if two or more family members are insured under the same policy, you can enjoy 10% discount on premium.
4. 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).
5. 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;
6. 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;
7. 15% no claim renewal premium discount (NCD);
8. 15 days policy review period;
9. Automatic renewal of policy.
   

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

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)

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 person in each policy year.

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

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.

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.

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