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 >

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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.

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Claim Procedure >

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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; whilst any dispute over the contractual terms of the Plan should ultimately be resolved between the Insurance Company and the customer, where practicable and appropriate, Chiyu Bank will provide reasonable assistance to the customer in the dispute resolution process.
• 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.