Personal Accident Insurance
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.

With your diverse needs in mind, Bank of China Group Insurance Company Limited ("BOCG Insurance") is delighted to bring the newly-launched BOC Family Comprehensive Protection Plan (Series 1) to you. This is a one-stop insurance solution that puts personal accident, annual travel and home protections under one roof. What's more, you may enroll in optional benefits¹ and enjoy a worry-free life with a more affordable insurance premium.

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

• Compensation of up to HKD4,000,000² in case of any unexpected event causing serious injuries, permanent total disablement or death
• Protection against accidental medical expenses and credit card outstanding balance available
• Standard premium³ for all occupational types

• A comprehensive range of protections covering personal accident, medical expenses, loss of baggages and personal belongings, personal liability, travel and baggage delay, travel cancellation or curtailment
• Excess free and cover against various popular adventurous activities
• Free student overseas travel cover⁴, protection against loss of home contents due to burglary during travel period and worldwide emergency assistance service available

• An all-in-one insurance package to cover your home contents, personal accident, legal liability (including homeowner's legal liability in common area of the residential building) and employees' compensation cover for an unlimited number of domestic helpers
• Applicable to properties for self-use or rental purpose
• Compensation of up to HKD12,000,000 in case of third-party death, bodily injury or property damage caused by your and/or your family member's negligence
• Standard premium⁵ for houses of all sizes

• Protection for golfing equipment, personal effects, the expenses in celebration of accomplishing a hole-in-one and legal liability
• Worldwide coverage

• Protection for the employer against legal liability in the event that his/her domestic helper suffers from injury and/or disease arising out of or in the course of the employment
• An array of additional covers such as clinical, surgical and hospitalization, dental, personal accident and repatriation expenses available

Affordable Premium
With an annual premium of as low as HKD1,980, you and your beloved family members can enjoy a complete peace of mind.(Premium Table)

Eligibility

• Applicable to "Insured", "Insured and Family – means legally married couple with all the legitimate dependent and unmarried child(ren) who is/are 6 weeks to 17 years old" (not applicable to Domestic Helper Protection).
• Insured domestic helper must be aged between 18 and 60 years old, and a full-time employee of the insured under a written contract of domestic service and recruited outside the HKSAR (except Home Protection extended to cover local domestic helper).

• All Protection: Pre-existing physical defects, act of war, civil commotion, act of terrorism (not applies 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 (does not apply 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, damage due to poor construction or lack of maintenance of the buildings, damage caused by any unexplained or mysterious disappearance, and consequential loss; damage caused by water seepage.
• Golfer Protection: No certificate of proof from a recognized golf club for a hole-in-one; loss or damage caused by or resulting from wear and tear or deterioration; damage to golfing equipment whilst playing.

• 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 aged between 6 weeks and 75 years old.
• If "Insured and Family" are insured, the maximum benefit payable under Personal Accident Protection, Annual Travel Protection or Golfer Protection shall not exceed 200% in aggregate of the amount specified in each covered items under each Protection's selected plan. If at the time of the incident the insured person consists of child(ren), such limitation shall not be applicable to "Item 1 under Personal Accident Protection" , "Item 1, 2, 11 and 12 under Annual Travel Protection" and "Item 1 and 2 of Golfer Protection".
• If the insured terminates the BOC Family Comprehensive Protection Plan (Series 1), he/she will still be required to pay at least 50% of the total annual premium.

• The insured should give immediate written notice to BOCG Insurance in case of any claims.
• In case of any burglary / theft or any similar attempt, please report to the police immediately.
• The insured and/or his/her family members must inform BOCG Insurance in writing (at own expense), with full particulars, list of damaged/loss items, repair or replacement quote and other relevant documents not later than 30 days after the occurrence of the event.
• Any writ, summons or other legal proceedings issued or commenced against the insured and/or his/her family members must be immediately sent to BOCG Insurance for process.
• The insured and/or his/her family members must not commit or pay any claim to a third party without the written consent from BOCG Insurance.
• The insured and/or his/her family members must not dispose or change any damaged insured items without the prior consent from BOCG Insurance.

1. Basic Benefits must be insured prior application for optional benefit.
2. The maximum benefits of accidental death or permanent total disablement arising from the use of public transportation is HKD4,000,000 while the maximum benefits of accidental death or permanent total disablement due to other accidents is HKD2,000,000.
3. Not applicable to the occupations excluded by BOCG Insurance.
4. Student Overseas Travel Cover applies to unmarried full time students in the HKSAR aged between 6 weeks and 17 years old. The entire journey has to be accompanied and with the custody care by an adult.
5. Individual quote will be provided if gross area of your insured home is more than 1,500 square feet.

• This web page is for reference only. Details of coverage are subject to the terms and conditions stipulated in the policy issued by Bank of China Group Insurance Company Limited.
• 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.

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.