Personal Accident Comprehensive Protection Plan
Personal Medical Insurance
 
 

Terms and Conditions:

• The Plan is underwritten by BOCG Insurance.
• Chiyu Banking Corporation Ltd (“Chiyu Bank”) is an appointed insurance agent of BOCG Insurance for distribution of the Plan. The Plan is a product of BOCG Insurance but not Chiyu Bank.
• In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Chiyu Bank and the customer out of the selling process or processing of the related transaction, Chiyu Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the Plan should be resolved between directly BOCG Insurance and the customer.
• BOCG Insurance is authorized and regulated by the Insurance Authority to carry on general insurance business in the Hong Kong Special Administrative Region of the People's Republic of China.
• BOCG Insurance reserves the right to accept or decline any application for the Plan based on the information provided by the proposed insured and/or insured person at the time of application.
• BOCG Insurance reserves the right to amend, suspend and terminate the above products, services and offer and to amend the relevant terms at any time at its discretion without prior notice. In case of dispute, the decision of BOCG Insurance and Chiyu Bank shall be final.
• The above information is for reference only and is intended to be distributed in Hong Kong only. Information contained herein is not and shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any products of BOCG Insurance. 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 document for the details of the insured items and coverage, provisions and exclusions. Should there be any enquiries, please contact the staff of Chiyu Bank.
• Should there be any discrepancy between the English and Chinese versions, the English version shall prevail.

Bank of China Group Insurance Company Limited (“ BOCG Insurance") is delighted to present the “Universal Smart Travel Insurance Plan” (“the Plan”) to you. Whether you and your family members are traveling on holiday, business or short-term overseas study trip, can enjoy a truly worry-free journey.

Key features of the Plan

Basic Benefit¹

• Double Indemnity of Personal Accident², up to HK$4,000,000 (only applicable to Single Travel Plan)
• Maximum limit for medical expenses up to HK$1,500,000
• Protection for Dangerous Activities^2,3, including bungee jumping, parachuting, rafting, diving, trekking & hot-air ballooning, etc.
• 24-hour Worldwide Emergency Assistance Service
• Protection for Outbound Travel Alert and Rental Vehicle Excess

I.Enhanced Benefit¹

• Extended benefit – Act of terrorism, Severe Incident, Outbound Travel Alert (extend to “Red Alert” or “Amber Alert”)
• Accidental damage of Personal Notebook Computer and Mobile Phone

• Cruise Cancellation and Interruption Cover
• Post-Departure Curtailment of Cruise Trip and Failure to Board the Cruise Ship
• Shore Excursion Cancellation Allowance

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

You are advised to read the details of latest news and arrangements in the "Latest News" of BOCG Insurance's website. For any enquiry, please contact BOCG Insurance Customer Services Hotline at 3187 5100.



Via Internet Banking

Terms and Conditions:

• The Plan is underwritten by BOCG Insurance.
• Chiyu Banking Corporation Ltd (“Chiyu Bank”) is an appointed insurance agent of BOCG Insurance for distribution of the Plan. The Plan is a product of BOCG Insurance but not Chiyu Bank.
• In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Chiyu Bank and the customer out of the selling process or processing of the related transaction, Chiyu Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the Plan should be resolved between directly BOCG Insurance and the customer.
• BOCG Insurance is authorized and regulated by the Insurance Authority to carry on general insurance business in the Hong Kong Special Administrative Region of the People's Republic of China.
• BOCG Insurance reserves the right to accept or decline any application for the Plan based on the information provided by the proposed insured and/or insured person at the time of application.
• BOCG Insurance reserves the right to amend, suspend and terminate the above products, services and offer and to amend the relevant terms at any time at its discretion without prior notice. In case of dispute, the decision of BOCG Insurance and Chiyu Bank shall be final.
• The above information is for reference only and is intended to be distributed in Hong Kong only. Information contained herein is not and shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any products of BOCG Insurance. 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 document for the details of the insured items and coverage, provisions and exclusions. Should there be any enquiries, please contact the staff of Chiyu Bank.
• Should there be any discrepancy between the English and Chinese versions, the English version shall prevail.

• 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.

Terms and Conditions:

• This Plan is underwritten by Bank of China Group Insurance Company Limited (" BOCG Insurance").
• Chiyu Banking Corporation Ltd (“Chiyu Bank”) is an appointed insurance agent of BOCG Insurance for distribution of this Plan. This Plan is a product of BOCG Insurance but not Chiyu Bank.
• In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Chiyu Bank and the customer out of the selling process or processing of the related transaction, Chiyu Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of this Plan should be resolved between directly BOCG Insurance and the customer.
• BOCG Insurance is authorized and regulated by the Insurance Authority to carry on general insurance business in the Hong Kong Special Administrative Region of the People's Republic of China.
• BOCG Insurance reserves the right to accept or decline any application for the Plan based on the information provided by the insured and applicant at the time of application.
• BOCG Insurance reserves the right to amend or withhold any terms and conditions without prior notice.
• The plan is governed by the terms and conditions in the relevant policy document. Detailed terms and conditions are subject to the official policy document issued by BOCG Insurance. Please refer to the relevant policy document 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.

Terms and Conditions:

• This Plan is underwritten by Bank of China Group Insurance Company Limited (" BOCG Insurance").
• Chiyu Banking Corporation Ltd (“Chiyu Bank”) is an appointed insurance agent of BOCG Insurance for distribution of this Plan. This Plan is a product of BOCG Insurance but not Chiyu Bank.
• In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Chiyu Bank and the customer out of the selling process or processing of the related transaction, Chiyu Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of this Plan should be resolved between directly BOCG Insurance and the customer.
• BOCG Insurance is authorized and regulated by the Insurance Authority to carry on general insurance business in the Hong Kong Special Administrative Region of the People's Republic of China.
• BOCG Insurance reserves the right to accept or decline any application for the Plan based on the information provided by the insured and applicant at the time of application.
• BOCG Insurance reserves the right to amend or withhold any terms and conditions without prior notice.
• The plan is governed by the terms and conditions in the relevant policy document. Detailed terms and conditions are subject to the official policy document issued by BOCG Insurance. Please refer to the relevant policy document for the details of the insured items and coverage, provisions and exclusions.

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.

Terms and Conditions:

• This Plan is underwritten by Bank of China Group Insurance Company Limited (" BOCG Insurance").
• Chiyu Banking Corporation Ltd (“Chiyu Bank”) is an appointed insurance agent of BOCG Insurance for distribution of this Plan. This Plan is a product of BOCG Insurance but not Chiyu Bank.
• In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Chiyu Bank and the customer out of the selling process or processing of the related transaction, Chiyu Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of this Plan should be resolved between directly BOCG Insurance and the customer.
• BOCG Insurance is authorized and regulated by the Insurance Authority to carry on general insurance business in the Hong Kong Special Administrative Region of the People's Republic of China.
• BOCG Insurance reserves the right to accept or decline any application for the Plan based on the information provided by the insured and applicant at the time of application.
• BOCG Insurance reserves the right to amend or withhold any terms and conditions without prior notice.
• The plan is governed by the terms and conditions in the relevant policy document. Detailed terms and conditions are subject to the official policy document issued by BOCG Insurance. Please refer to the relevant policy document for the details of the insured items and coverage, provisions and exclusions.

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 the mainland, Hong Kong and Macau.

Terms and Conditions:

• This Plan is underwritten by Bank of China Group Insurance Company Limited (" BOCG Insurance").
• Chiyu Banking Corporation Ltd (“Chiyu Bank”) is an appointed insurance agent of BOCG Insurance for distribution of this Plan. This Plan is a product of BOCG Insurance but not Chiyu Bank.
• In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Chiyu Bank and the customer out of the selling process or processing of the related transaction, Chiyu Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of this Plan should be resolved between directly BOCG Insurance and the customer.
• BOCG Insurance is authorized and regulated by the Insurance Authority to carry on general insurance business in the Hong Kong Special Administrative Region of the People's Republic of China.
• BOCG Insurance reserves the right to accept or decline any application for the Plan based on the information provided by the insured and applicant at the time of application.
• BOCG Insurance reserves the right to amend or withhold any terms and conditions without prior notice.
• The plan is governed by the terms and conditions in the relevant policy document. Detailed terms and conditions are subject to the official policy document issued by BOCG Insurance. Please refer to the relevant policy document for the details of the insured items and coverage, provisions and exclusions.

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.bocgins.com).

• 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,China 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,China)

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 and Conditions:

• This Plan is underwritten by Bank of China Group Insurance Company Limited (" BOCG Insurance").
• Chiyu Banking Corporation Ltd (“Chiyu Bank”) is an appointed insurance agent of BOCG Insurance for distribution of this Plan. This Plan is a product of BOCG Insurance but not Chiyu Bank.
• In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Chiyu Bank and the customer out of the selling process or processing of the related transaction, Chiyu Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of this Plan should be resolved between directly BOCG Insurance and the customer.
• BOCG Insurance is authorized and regulated by the Insurance Authority to carry on general insurance business in the Hong Kong Special Administrative Region of the People's Republic of China.
• BOCG Insurance reserves the right to accept or decline any application for the Plan based on the information provided by the insured and applicant at the time of application.
• BOCG Insurance reserves the right to amend or withhold any terms and conditions without prior notice.
• The plan is governed by the terms and conditions in the relevant policy document. Detailed terms and conditions are subject to the official policy document issued by BOCG Insurance. Please refer to the relevant policy document for the details of the insured items and coverage, provisions and exclusions.