1. Is it possible for a potential Policyholder / Insured Person to make enquiries to see whether my family doctor is available on the list of medical practitioners before enrolment?
Sorry, according to the code of practice promulgated by the Medical Council, all registered medical practitioners are prohibited from making advertisements of whatever means and therefore the required information is not available at this moment.
Once you get insured under the Plan, "Medical Network Directory" together with the Policy and Medical Card will be provided to you for reference.
2. Who is the service provider of the medical network and how many doctors are there in the Medical Network? Are Bone-setting and Manipulation covered by the Plan?
The Medical Network is managed and arranged by Synergy Healthcare Ltd., which is a comprehensive and professional clinical service provider with more than 400 qualified network doctors located throughout Hong Kong Island, Kowloon Peninsula, the New Territories and Outlying Islands.
Sorry, Plan B only covers medical services provided by Chinese Herbalist. Bone-setting and Manipulation are excluded.
3. Can I see a doctor who is not on the Network Doctor List and then provide the insurer, Bank of China Group Insurance (hereinafter called "the Company") with related receipts so as to claim for reimbursement?
Sorry, the Plan covers only those medical expenses incurred for seeking medical treatment at the Network Doctors.
For consultation, the Insured Person has to present his/her Medical Card and make the co-payment for each medical consultation. The Insured Person is entitled to have consultation and medication from the doctors on list subject to the terms and conditions of the insurance policy.
Nevertheless, the co-payment is neither recoverable from the Company nor the Network Service Provider in any event.
4. How long is a referral letter issued by a General Practitioner or a Specialist to be recognized by the Company for the service of medical referral?
The referral letter is to be recognized by the Company for 90 days from the date of issue. Each referral letter should only be referred to one kind of disease diagnosed by the doctor. Supplemental referral letter is needed for any other disease or replacement of the previous referral letter upon its expiration.
5. What do you mean by "Simple Extractions" under the Optional Benefits of Dental Scheme? For the enjoyment of coverage under the Dental Scheme, is an Insured Person entitled to choose "Amalgam Fillings" or "Composite Fillings" to be conducted as he/she wishes?
"Simple Extractions" means the extractions of primary teeth (deciduous teeth) or loose teeth.
Whether "Amalgam Fillings" or "Composite Fillings" is to be adopted will be subject to the discretion of the dentists on list.
Before consultation or conduction of any kind of treatment, it is all-important to make enquiries to the network doctor for the relevant fees and policy coverage, failing which the Insured Person shall be solely responsible for payment of any consultation fees and / or other charges not covered by the Plan.
6. Is it necessary to make an appointment before consultation?
Yes, please call the designated network clinic to make an appointment beforehand and mention clearly that you are insured under the Plan.
7. What if I do not have the "Medical Network Directory" when I need to seek medical treatment?
You may browse the website of the Network Service Provider for related information.
or
You may call the Medical Hotline during office hour for enquiries.
8. What is the application procedure? Is the mode of premium payment on an annual basis or a monthly basis?
Anyone who intends to get insured under the Plan, may submit his/her application to any branch of the "Bank of China (Hong Kong) Limited" or send the same by way of browsing the website of "Bank of China (Hong Kong) Limited". Once the application is accepted, the Policy coverage will last for one year effective from the eleventh working day upon receipt of the application provided that the application is approved by the Company.
The annual premium must be paid in full at the time of submission of the application.
9. What if I find the network doctor unsatisfactory after enrolment?
As a Policyholder of the Plan, you have a "Free 15-Day Policy Review Period". If you are really not satisfied with the doctors on list, you can return the Policy, the "Medical Network Directory" together with the Medical Card for early termination within 15 days from the effective date of the Policy. The premium will be refunded in full provided that the Insured Person has not sought any medical services from the Medical Network.
10. Will my application be accepted if I only hold a passport as my identity document but not a Hong Kong Identity Card? Is there any limitation of age? Can a policy be terminated during the policy period? Is any change of coverage allowed during policy period? What can I do if I lose the medical card?
- Even thought you are not a Hong Kong resident, your application will also be accepted as well.
- Any person aged between 15 days of birth and 64 years old (counted up to the effective date of the policy) is eligible for the plan , but the application of children below 5 years old will only be accepted on condition that at least 1 of his/her family member(s) aged between 18 and 64 makes an application for the same himself / herself at the time of submission of the application for the children. Renewal is offered up to the age of 70 in case the applicant has been insured under the Plan before 64 years old.
- Termination of policy during the policy period is allowed but no premium on whatever proportion will be refunded.
- No change of policy coverage could be made during the policy period, but the same may be allowed upon policy renewal.
- If you lose the Medical Card, you may fill in the
"Loss Card Declaration and Application Form" on page 64 to 66 in the "Medical Network Directory" and furnish us with the same together with a cheque in the sum of HK$50 payable to "Bank of China Group Insurance Company Limited" as handling charges for re-issuance.
11. What items are included in the Annual Check-up under Plan A?
It includes:
- Screening Test for Leukemia & Anemia (Complete Blood Count)
- Screening Test for Coronary Artery Disease (Total Cholesterol)
- Screening Test for Diabetes (Blood Glucose)
- Screening Test for Kidney Function (Creatinine)
12. Is diagnostic X-ray/laboratory test referred by a network doctor covered under Plan A or Plan B?
Neither Plan A nor Plan B covers all types of test. (excluded items are listed in the Policy). In the circumstances, an Insured Person is strongly recommended to check with the network doctor for the relevant expenses and policy coverage of a specific item before the diagnostic X-ray/ laboratory test is to be conducted. An Insured Person shall be solely responsible for payment of any fees/charges not covered by the Plan.
13. Do Plan A and Plan B both cover an Annual Check-up as well as the diagnostic X-ray/ laboratory test?
No, Plan A and Plan B both cover the diagnostic X-ray / laboratory test but an Annual Check-up is only provided to the Insured Person under Plan A.
14. Is an annual gynecological examination covered?
Sorry, it is not covered.
15. Is the Plan suitable for a diabetic who requires long-term medication?
The Plan does not cover any expenses for long-term medication (i.e. medication for a period exceeding 14 days), but the consultation fee is covered. If an Insured Person needs the doctor's prescription for medication, the expenses incurred will be borne by the Insured Person at his/her own expenses.
16. How to file a claim?
No claim procedures are required. An Insured Person may simply present the Medical Card and make the co-payment whenever he / she visits a doctor.
17. What are the Optional Benefits under the Plan for "Out-patient Consultation at Designated Hospitals in Shunde Country Gardens and Clifford Estates, Mainland China"?
This Optional Benefits cover medical out-patient services up to 20 occasions (including registration fee) per annum . No co-payment is needed for medical treatment.
- This Optional Benefits do not cover Diagnostic X-ray/ laboratory test, Bone-setting, Acupuncture and Manipulation.
Motor Car Insurance Universal Travel Insurance Premier Home Comprehensive Insurance Domestic Helper Comprehensive Insurance Personal Accident Comprehensive Protection Plan Student Personal Accident Insurance Plan Golfer Insurance BOC Family Comprehensive Protection Plan China Express Accidental Emergency Medical Plan 