Personal Accident Comprehensive Protection Plan
Student Personal Accident Insurance
Personal Medical Insurance
Out-Patient Medical Insurance
 
 

Whether you are traveling on holiday, business or planning a short-term overseas study trip
for your children, Universal Travel Insurance from BOCG Insurance provides you with a
comprehensive excess free protection plan for you and your family members to enjoy a
truly worry-free journey.

Emergency Worldwide Assistance

Our 24-hour Worldwide Emergency Assistance Hotline will give you emergency medical
evacuation, as well as travel advice in case of emergency. To ensure that you are well
covered for a hassle-free trip, a wide-ranging value-added services like overseas hospital
admission deposit guarantee, referral of lawyer or interpreter service, passport or visa
replacement are also available.

Double Accident Protection¹

In the event of death or permanent total disablement while traveling on public conveyance,
personal accident benefit will be doubled up to HK$4 million. (Only applicable to Single
Travel Plan)

More Premium Savings and Auto Renewal for Annual Travel Plan

If you are a frequent traveler, why not choose our Annual Travel Plan that gives you
continuous protection throughout the year with great premium savings. Once insured, if you
do not receive notice of amendment on renewal terms from BOCG Insurance before the
expiry date of each policy year, just pay the required premium for the coming policy year
and your policy will be renewed automatically.

Free Coverage for Dangerous Activities¹

Many popular adventurous sports are covered without extra cost, including bungee jump,
hang-gliding, parachuting, rafting, speed-boating, jet-skiing, trekking, mountaineering,
rock-climbing and hot-air ballooning, and the like. (Not applicable to professional players or
those engaging in racing or competition)

Home Contents Protection

In the event of burglary while you are traveling away from home, your home contents will
also be protected up to HK$25,000.

Remarks：
1. Not applicable to persons aged under 18 or over 70.
2. Payable on a “per journey basis” (except for “Personal Accident” benefit under the Annual Travel Plan which is payable on a “per policy year basis”).

Policy Terms
Insured Items and Coverage
Premium Table
Major Exclusion
Claim Procedure
FAQs

Via Internet Banking

• The precious moments you enjoy at home are now extended with Premier Home Comprehensive Insurance. Our all-in-one insurance package takes care of you and your family members, giving you total protection for your home contents, personal belongings, buildings as well as domestic helpers.

The above information is for reference only. Please refer to the policy for detailed terms and conditions.

To cater for your different needs, Bank of China Group Insurance Company Limited (“BOCG Insurance”) is delighted to present to you the brand new “Family Comprehensive Protection Plan” (Series 1) (the “Plan”). The Plan allows you to choose from two different plans¹, each providing a one-stop insurance protection for personal accident, annual travel and home contents. What’s more, you may enroll in optional benefits² according to your needs, so that you and your family can enjoy a worry-free life with a more affordable insurance premium.
In addition, the Home Protection provides plans with different coverage for homes of different gross floor areas, allowing you to choose an appropriate protection to satisfy your needs.

Basic Benefits
You are required to enroll in the following 3 (or any 2) basic benefits:
(1) Personal Accident Protection

• Maximum benefit payable up to HK$4,000,000³ in case of any unexpected event causing serious injuries, permanent total disablement or death
• Coverage for medical expenses (including bonesetters and Chinese herbalist) due to accidents, credit card outstanding balance protection, cash allowance for health supplements and home nursing expenses, etc.
• Premium at flat rate⁴ for all types of occupations

• A comprehensive range of protections for business or leisure travel, covering personal accident, medical expenses, loss of baggage and personal effects, legal liability, travel and baggage delay, cancellation or curtailment of journey, etc., allow you to travel with peace of mind
• Excess free with coverage for a variety of popular adventurous activities
• Coverage for free students overseas travel cover⁵, protecting against loss of home contents due to burglary during travel period and providing worldwide emergency assistance service
• Protection against accidental loss of or damage to the insured person’s personal notebook computers during travel period
• Newly added Outbound Travel Alert⁶ Protection

• A comprehensive range of protections for home contents, personal accident, legal liability (including homeowner’s legal liability in the home or the common area of the residential building, domestic helper’s legal liability due to his/her negligence arising out of and in the course of employment and tenants’ liability) and employees’ compensation for unlimited number of domestic helpers
• Applicable to rented-out, self-occupied or rented properties
• Compensation for legal liability of up to HK$12,000,000 in case of any third party’s death bodily injury or property damage caused by your and/or your family members’ negligence at home
• Extra 20% additional benefit for home contents coverage during typhoon or rainstorm season⁷
• Pre-set premium⁸ and coverage for homes with a gross floor area of 1,500 square feet or below

• Protection for golfing equipment, personal effects, expenses for celebration of accomplishing a hole-in-one and golfing journey cancellation, etc.
• Worldwide coverage

• Protection against employer’s legal liability in the event of his/her domestic helper’s unfortunate death, bodily injury and/or disease arising out of and in the course of employment
• A range of additional covers at the same time, such as clinical expenses, surgical and hospitalization expenses, dental expenses, personal accident, fidelity cover and repatriation expenses, etc.
• Employer can select to insure critical illness benefit for his/her domestic helper

• All Protection: Pre-existing physical defects, act of war, civil commotion, act of terrorism (inapplicable to insured item 1 - Employer’s Liability of Domestic Helper Protection), professional sports competition, suicide, pregnancy, influence of alcohol, drug addiction, AIDS, traveling for the purpose of studying (inapplicable to Free Student Overseas Travel Cover under Annual Travel Protection), migration, business trip involving any dangerous assignments, projects or occupation of a manual nature.
• Home Protection: Wear and tear; electrical or mechanical breakdown; contact lenses, portable phones, pagers, deliberate or malicious act, war, act of terrorism, damages due to poor construction or lack of maintenance of the buildings, damages caused by any unexplained or mysterious disappearance, and consequential loss; damages caused by water seepage.
• Golfers Protection: Any person with occupation as golfer; failure to provide certificate of proof from a recognised golf club¹⁰ for a hole-in-one; or loss or damage caused by or resulting from wear and tear or deterioration.

• The insured and his/her spouse must be aged 18 or above, and the insured must be one of the insured persons.
• All insured person(s) must be ordinarily residing and legal resident(s) of the HKSAR and aged between 6 weeks and 75 years old, renewal age is up to 80 years old (except for domestic helper).
• If the insured category is “Insured and Family”, the maximum benefit for all insured persons under Personal Accident Protection, Annual Travel Protection or Golfers Protection shall not exceed 200% in aggregate of the amount specified in each covered item under each Protection’s insured plan. At the time of the incident, if the “Insured and Family” includes child(ren), such limitation shall not be applicable to “Items 1 and 7 under Personal Accident Protection” , “Items 1, 2, 11 and 13 under Annual Travel Protection” and “Items 1 and 2 of Golfers Protection”.
• If the insured terminates the Plan prior to the expiry date of the policy, he/she will still be required to pay at least 50% of the total annual premium.

• The insured should give written notice to BOCG Insurance as soon as possible in case of any claims.
• In case of any burglary / theft / robbery or any other similar attempt, please report to the police immediately.
• In case of any loss of money or property, the insured and/or his/her family and/or his/her domestic helper(s) must report to the police and obtain a report at the place of loss within 24 hours of discovery.
• The insured and/or his/her family members and/or his/her domestic helper(s) must give written notice to BOCG Insurance and submit the following documents (at his/her own expenses) as soon as possible within 30 days after occurrence of the event: detailed description of the event, 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 his/her family members and/or his/her domestic helper(s) must be sent to BOCG Insurance immediately for processing.
• The insured and/or his/her family members and/or his/her domestic helper(s) must not make any commitment to pay or pay any compensation to a third party without prior written consent from BOCG Insurance.
• The insured and/or his/her family members and/or his/her domestic helper(s) must not dispose of or replace any damaged insured items without prior written consent from BOCG Insurance.

1. Basic Benefits consist of Gold Plan and Silver Plan for your selection. If Gold Plan is selected, all insured items in the policy will be under the Gold Plan, except for Home Protection where the insured may select to insure under the Gold Plan or Gold Value Plan if the gross floor area of his/her home is 750 square feet or below. The same applies if Silver Plan is selected.
2. The insured is required to apply for Basic Benefits before he/she can apply for optional benefits.
3. The maximum benefit for accidental death or permanent total disablement caused by traveling in public transportation or private car is HK$4,000,000, while the maximum benefit for accidental death or permanent total disablement caused by other accidents is HK$2,000,000.
4. Not applicable to the occupations excluded by BOCG Insurance (refer to proposal form for details).
5. Students overseas travel cover is only available to unmarried full-time students aged between 6 weeks and 17 years old, who study in the Hong Kong Special Administrative Region (“HKSAR”). The student must be accompanied and with the custody care by an adult for the entire journey.
6. The Security Bureau of the Government of HKSAR has launched the Outbound Travel Alert (OTA) System which uses amber, red and black signals to differentiate among different levels of risk. This system will cover the countries which are more popular travel destinations for HKSAR residents aiming to help HKSAR residents better understand the risk or threat to personal safety in travelling overseas.
7. “Typhoon or rainstorm season” means the period from July to September every year. The proximate cause of claim for loss must be due to typhoon or the rainstorm which must occur in HKSAR.
8. If the buildings exceed 40 years of age or the home’s gross floor area is more than 1,500 square feet, premium and the terms will be provided separately.
9. This monthly premium is calculated on the basis of client enrolling in the “Annual Travel and Home Protection (Silver Value Plan)” under the Basic Benefits (Silver Plan) and the insured category is “Insured only”.
10. Recognised golf club: means any golf club with golf course that has 18 holes and 72 pars or above.

• The Plan is underwritten by BOCG Insurance.
• Chiyu Banking Corporation Limited is the agents of BOCG Insurance.
• BOCG Insurance reserves the sole discretion to determine whether to accept any application for the Plan in accordance with the information submitted at the time of the application by the insured and/or insured person.
iBOCG Insurance reserves the right to amend or withhold any terms and conditions in respect of the Plan without prior notice.
• This web page 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 documents for the details of the insured items and coverage, provisions and exclusions.

A complete insurance package for your maid

• Indemnifies the employer against legal liability to the domestic helper on bodily injury or disease arising out of or in the course of his/her employment.
• Also provides coverage for clinical expenses, surgical and hospitalization expenses, dental expenses, personal accident, repatriation expenses, etc.
• Choose from one or two years' coverage, with a preferential premium offered for the latter.

Comprehensive coverage on or off the road

• Third party risks insurance coverage for the car owner against any legal liability, in respect of death of or bodily injury to any person and/or damage to any person's property arising out of an accident caused by or in connection with the insured motor vehicle.
• Also covers the car owner against loss of or damage to the insured motor vehicle caused by accident, fire, theft and/or malicious behavior.

Peace of mind for your game

• Comprehensive protection includes personal accident, loss of or damage to golfing equipment, legal liability incurred for injury to others or damage to their property, accidental loss of or damage to personal effects, as well as the expenses incurred in celebration of accomplishing a hole-in-one.
• Coverage areas include Hong Kong SAR, Macau and the Mainland of China.

China Express Accidental Emergency Medical Plan

For those of you who travel frequently to the Mainland for business or pleasure, it is important for you to protect yourself against unexpected accidents and to minimize the risk from shortfall of money on hospital admission for emergency medical treatments.
Bank of China Group Insurance Company Limited ("BOCG Insurance") understands your needs and is delighted to present "China Express Accidental Emergency Medical Plan" (the "Plan"). In case of accidents that require emergency medical treatment in the Mainland, upon presentation of the Plan's medical card (hereinafter called "China Express Card"), you are entitled to hospital admission deposit guarantee. If you are admitted to an appointed hospital under our Hospital Network, all medical expenses insured under your policy will be paid by BOCG Insurance directly to the hospital.

Product Highlights

• Extensive Hospital Network throughout the Mainland of China
  Our accidental emergency medical service is covered by about 250 appointed hospitals throughout the Mainland. (The appointed hospitals under our Hospital Network include 3-A General Hospitals and Specialty Hospitals which are graded in accordance with the "Standard of Classification Management of General Hospital" defined by Ministry of Health, the People's Republic of China. For an updated list of appointed hospitals, please visit BOCG Insurance website(www.bocgroup.com/bocg-ins/).

• Immediate medical treatment
  In case of accidents happened in the Mainland, simply present the applicable "China Express Card" at the appointed hospitals and you will receive immediate hospital admission and treatment upon validity check by the appointed hospital with the 24-hour emergency assistance hotline. All medical expenses insured under your policy will be paid by BOCG Insurance directly to the hospital. If you are admitted to a hospital outside the Hospital Network, the Plan will provide hospital admission deposit guarantee to avoid any delay in receiving emergency medical treatment.

• No limitation on age, occupation, number of trips and duration of stay
  Holders (including his / her family¹) of the H.K. Identity Card, Macau Identity Card, Permit for Taiwan Compatriot or Foreign Passport (except PRC passport holders) regardless of age and occupation, are eligible to enroll. What’s more, there is no limitation on the number of trips and duration of stay in the Mainland.
  
  Remarks:
  1. Family means the insured person, his/her legally married spouse and (all) child(ren)

• Free coverage for child(ren)² under the Family Plan
  You can enjoy discount on premium and free coverage for child(ren) ²with the Family Plan.
  
  Remarks:
  2. Child(ren) means unmarried child(ren) below the age of 18.

• Comprehensive protection and services
  This plan offers all-round additional protections including follow up medical expenses (including bone-setter, chiropractic treatment or physiotherapy expenses) within 30 days after discharged from hospital; accidental death or permanent disablement; death from sudden sickness; luggage loss and 24-hour emergency assistance service.

• "China Express Card" offers two plans:
  o  Annual Plan
     Gold Card: applicable to all appointed hospitals in the Mainland.
     Silver Card: applicable to the appointed hospitals in Guangdong and Fujian Provinces.
  o Short Period Plan
     Standard Card: applicable to all appointed hospitals in the Mainland.
  

Summary of Coverage

Premium

Geographical Coverage
The Mainland of China (excluding Hong Kong SAR, Macau SAR and Taiwan Region)

Enrolment Procedure
Simply complete the proposal form and return to any branches of Chiyu Banking Corporation Limited together with the payment authorization form or cheque payable to "Bank of China Group Insurance Company Limited".

Auto-Renewal Service (only applicable to Annual Plan)
Once your application is approved by BOCG Insurance and if you do not receive any notice of amendment on renewal terms by BOCG Insurance before the expiry date of your policy year (depending on your selected coverage period), just simply pay the required premium for the coming policy year, and your policy will be renewed automatically.

Major Exclusions

Conditions

Claim Procedure

Important Notes

FAQ

Terms & conditions:

• The above information is for reference only. Details of the coverage are subject to the terms and conditions stipulated in the policy.
• Bank of China Group Insurance Company Limited reserves the right to amend or withhold any terms and conditions without prior notice.
• The above insurance plan is underwritten by Bank of China Group Insurance Company Limited.
• Chiyu Banking Corporation Limited is an agent of Bank of China Group Insurance Company Limited.