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1. 10% premium discount and flexible plan combination² for family enrolment
   
   • Enjoy 10% premium discount if two or more family members³ are insured under the same policy.
   • Each family member can opt to take up different plans and optional benefits¹ under the same policy. Child(ren)⁴ can be insured on his/her own while the applications are required to be arranged by the parent or legal guardian.
2. 15% No Claim Renewal Discount Offer
   Each insured person with no claim record of basic benefits for 3 consecutive policy years or above will be entitled to 15% renewal premium discount for basic benefits in the next policy year.
3. Guaranteed lifetime renewal
   The Plan offers you guaranteed lifetime renewal for Hospital and Surgical, Out-patient and Dental benefits. Regardless of the insured person's health or claim conditions, BOCG Insurance will not charge any additional fees or impose any additional terms on the insured person after the policy has taken into effect⁵.
   
4. Value-added benefits for your extra protection
   
   • Extended coverage of Clinical Surgery: includes day case surgery performed in a hospital or clinical surgery at clinic⁶.
   • Special cash allowance for health supplement food: Allowance for health supplements will be provided after surgical operation. The receipts of purchasing health supplementary food are not required to be provided upon submission of the claim.
   • Medical top-up plan: A supplementary top-up protection will be provided for you and/or your family members³ to supplement the existing Hospital and Surgical insurance (e.g. the medical insurance offered by your employer).
   • Critical illness benefits: Apart from 40 common critical illnesses, the Plan also provides coverage for medical expenses arising from cancer, stroke or cardiomyopathy. Besides, additional benefits will be offered if the Insured Person is diagnosed with designated male or female's critical illness or serious diseases.
   • Once the application for insurance is approved, the protection will take effect immediately without waiting period (except “Maternity Benefit”, “Critical Illness Benefit”, any designated disease as specified under "Pre-existing Medical Conditions" and other excluded items⁷).
5. Free health check-up and 24-hour services
   
   • Health check-up: Each insured person will be entitled to a basic health check-up in the first policy year. A comprehensive health check-up for male, female or child will be provided every 2 consecutive policy years thereafter.
   • 24-hour Worldwide Emergency Assistance Service: The Plan provides 24-hour Worldwide Emergency Assistance Service. Besides, you can enjoy a hospital deposit guarantee of up to HK$40,000 in the event of emergency hospital confinement outside Hong Kong.
   • 24-hour online service: You can visit BOCG Insurance's website anytime and anywhere for calculation of premium and Body Mass Index, enquiry of claim status and record, downloading of policy document, claim forms and information of network doctors, etc.
     
6. Instant approval and 15-day Policy Review Period
   If your application is approved instantly and the coverage is confirmed in effect, BOCG Insurance will issue your policy about 10 working days after the application and relevant documents have been received. Within 15 days after the confirmation date of the coverage ("Policy Review Period"), you can download the policy document and major exclusions via BOCG Insurance's website (http://www.bocgins.com). If the insured benefits do not meet your needs, you can terminate your policy by giving written notice to BOCG Insurance within Policy Review Period (if you have already received the policy, you are required to return it to BOCG Insurance). If no claim has been made by the insured person within Policy Review Period, all paid premium will be totally refunded.
   
7. Auto-renewal service
   If you do not receive any notice of amendments on renewal terms by BOCG Insurance before the expiry date of every policy year, your policy will be renewed automatically by paying the required premium for the next policy year.
   

Basic Benefits and Optional Benefits

Premium

Any congenital conditions, latent illness or disease existed prior to the effective date of the policy (including any designated disease occurring during the first year and the first six months from the effective date of the benefits cover); routine physical examination, dental treatment (except the cover provided under Dental Benefits), eye tests; cosmetic or plastic surgery, pregnancy or childbirth (except the cover provided under Maternity Benefits), fertility or infertility treatment; AIDS, HIV related sickness or injury (except the cover provided under Critical Illness); alcoholism, mental disorders, drug addiction, venereal diseases, illegal acts, war, strike, riot, act of terrorism, professional sports or high risks activities; all hospitalisation expenses incurred primarily for examinations (such as diagnostic scanning, X-ray examination, etc) or physiotherapy, etc.

• Age: the Proposer and his/her spouse should be aged 18 or above.
• Child(ren): can be insured individually but the application should be arranged by the parent or legal guardian.
• Insured person: must be a legal resident of the HKSAR.
• Notes to applicant who is studying outside Hong Kong (China):
  1. Individual underwriting is required for the application of the Plan.
  2. If the relevant applicant is approved by BOCG Insurance to be covered by the Plan, the Plan will be based on the details of the endorsement of the policy to extend Student Studying outside Hong Kong (China) Benefit and provide 24-Hour Emergency Assistance Services and Protection, including Medical Evacuation, Repatriation after Treatment, Compassionate Visit and Hotel Room Accommodation for Convalescence, etc.
  3. BOCG Insurance reserves the right to underwrite, reject the application, adjust the premium and/or the maximum limit of benefits, and/ or amend the policy for the relevant application.
• Change of Risk: The immediate notice in writing shall be given to BOCG Insurance if any change of risk of the Insured Person (including change of identity of the residence, the occupation, etc). BOCG Insurance reserves the right in its sole and absolute discretion to treat the insurance policy as premium adjustment or termination for any change of risk which is from the inception date of any change of risk. BOCG Insurance will not refund any premiums and premium levy paid and reserves rights to require repayment of the paid claims.
• Geographical Limit:

  (a) Hospital and Surgical (including Medical Top-up Plan), Dental, Maternity, Critical Illness	Applicable to Worldwide
  (b) Supplementary Major Medical - Supplementary Major Medical (only applicable to accidental emergency situation)	Applicable to the Mainland China, Hong Kong (China) and Macau (China) - Applicable to Worldwide
  (c) Hospital Cash (limited to hospital confinement of 90 days per policy year)	- Applicable to Worldwide
  (d) Out-patient -“Plan 1”, “Plan 2” -“Plan 3”	- Applicable to Hong Kong (China) - Applicable to Worldwide

• The Plan only covers the expenses of the insured person on the following basis:
  Reasonable and Customary: shall mean in relation to fees, a sum not exceeding a reasonable average of the fees charged under similar conditions by persons of equivalent experience and professional status in the area in which the service was provided; and in relation to material or services, shall mean a sum not exceeding a reasonable average of the charges for similar material or services in equivalent circumstances of quality and economic consideration in the same area as that in which any such material or services were obtained.
  Medically Necessary: shall mean mainly the need to have medical service for the purpose of investigating or treating the relevant disability in accordance with the generally accepted standards of medical practice.
  Deductible: shall mean a fixed amount of eligible expenses that, in a policy year, the policy holder must pay before BOCG Insurance shall reimburse the remaining eligible expenses.
  Duplicate Application: In the event that the Insured Person is covered under more than one such policy, BOCG Insurance will consider that person to be insured under the policy that provides the greatest amount of benefit. Where the benefit under each such policy is identical, BOCG Insurance will consider that person to be insured under the policy first issued. BOCG Insurance will refund any duplicated insurance premium payment and premium levy that may have been made by or on behalf of that person and the duplicated policy shall be void in respect of such particular Insured Person.
• Termination of policy:
  This policy shall be automatically terminated on the earliest of the followings:
  - If the Insured Person has at any time failed to observe the terms of this policy or failed to act with utmost good faith; or
  - This policy shall terminate forthwith upon the death of the Insured Person. Benefit for any Insured Person under the policy shall terminate forthwith upon the death of that Insured Person without affecting benefit for other Insured Person under the policy ; or
  - Provided one or more premiums and premium levy charged to the Insured’s nominated account have been paid, non-payment of any subsequent premiums and premium levy shall terminate insurance under this policy as from that policy expiry date. Full annual premium and premium levy for the policy year shall be collected from the Insured and no refund shall be made.
• The information of this promotional material does not contain the full terms of the policy and the full terms can be found in the policy document.