Basic Benefits

You are required to enroll in the following 3 (or any 2) of the 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
2. Annual Travel Protection
• 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
3. Home 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

Optional Benefits

In addition to the basic benefits, you may also consider enrolling in the following optional benefits according to your needs:

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

Low Premium

With monthly premium of as low as HK$146⁹, you and your family can enjoy a complete peace of mind. (Premium Table)

If you do not receive any notice of amendment on renewal terms from BOCG Insurance before the expiry date of your every policy year, simply pay the required premium for the coming policy year, and your policy will be renewed automatically with total security.

• 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.
• Golfer 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”.
• “Insured and Family” means legally married couple and all the legitimate child (ren) who is/are unmarried, not at work and aged between 6 weeks and 17 years old.
• 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.

Remarks:

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 traveling 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 recognised golf course with 18 holes and 72 pars or above.

• This Plan is underwritten by Bank of China Group Insurance Company Limited ("BOCG Insurance"). Bank of China (Hong Kong) Limited is an appointed insurance agent of BOCG Insurance.
• BOCG Insurance is authorized and regulated by Office of the Commissioner of Insurance to carry on general insurance business in the Hong Kong Special Administrative Region of the People's Republic of China.
• Bank of China Group Insurance Company Limited 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.
• Bank of China Group Insurance Company Limited 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.