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1. Even if you have claimed Minor Illness Benefit, you can still surrender the policy from the end of the 6th Policy Year to receive premium refund if premium refund option is chosen; while the policy will be terminated upon payment of Major Illness Benefit or Death Benefit. Major Illness Benefit and Minor Illness Benefit are applicable to life protection + critical illness protection plan only.

2. Subject to the premium reduction after payment of the minor illness benefit by BOC Life (if applicable), the premium of the policy is guaranteed to remain unchanged for the first ten (10) years from the policy date. The premium will be adjusted every ten (10) policy years commencing from the tenth (10th) policy anniversary and will remain unchanged for such period of ten (10) years until the next premium adjustment date, or a shorter period where the policy is terminated within such ten (10) years’ period. The adjusted premium will be determined in accordance with the age and risk class of the Insured and the premium rate then in effect on the date of adjustment, whereas BOC Life reserves the right to change the premium rate at its absolute discretion.

3. The Plan is only available to the holders of Hong Kong Identity Card, People’s Republic of China Resident Identity Card / Passport or Macau Resident Identity Card and BOCHK Mobile Banking account, subject to the relevant requirements on nationality and residency of the applicants and the Insured as determined by BOC Life from time to time.

4. Only applicable for Issue Age 18 to 50

5. Indebtedness (if any) and outstanding premiums (if any) shall be deducted from Death Benefit, Major Illness Benefit and Minor Illness Benefit payable.

6. For details of the definitions of the Major Illnesses and Minor Illnesses, please refer to the policy provisions.

7. The user cases in the above example are for illustrative purposes only. Please refer to the policy document for the actual figures. The figures in the illustrative examples do not include levy. The premium figures have been rounded to two decimal places and are for reference only. For details, please refer to the benefit illustration.

8. The above mentioned daily premium (calculated on the basis of 365 days per year) is based on the calculation of a 25-year-old non-smoker female applying for Life Protection only - refundable premium plan. The Sum Insured is HKD 500,000 and the annual premium is HKD 1,726.15. After 25% first year premium discount, actual annual premium amount is HKD 1,294.61.

9. The above mentioned daily premium (calculated on the basis of 365 days per year) is based on the calculation of a 35-year-old non-smoker male applying for Life Protection + critical illness protection- refundable premium plan. The Sum Insured is HKD 500,000 and the annual premium is HKD 9,489.20. After 25% first year premium discount, actual annual premium amount is HKD 7,116.90.

10. After the Minor Illness Benefit is paid, the Sum Insured of the policy shall be reduced immediately by the amount of the Minor Illness Benefit. (Applicable to non-refundable premium plan) The premium payable will be reduced accordingly on the next premium due date. (Applicable to refundable premium plan) The premium will remain unchanged and the premium refund you receive at policy maturity will be equivalent to the Total Premiums Paid.

11. The above mentioned daily premium (calculated on the basis of 365 days per year) is based on the calculation of a 45-year-old non-smoker female applying for Life Protection + critical illness protection- non-refundable premium plan. The Sum Insured is HKD 1,000,000 and the annual premium is HKD 6,765.40. After 50% first year premium discount, actual annual premium amount is HKD 3,382.70.
The Policy Owner is subject to the credit risk of BOC Life. If the Policy Owner discontinues and / or surrenders the insurance plan in the early policy years, the amount of the benefit he / she will get back may be considerably less than the amount of the premium he / she has paid.

(Applicable to non-refundable premium plan only) The premium payable at the time of renewal is calculated based on the following factors (if applicable), including but not limited to the Sum Insured, gender, issue age, attained age, smoking habit, premium payment term, level of benefits, underwriting class, risk class and residency, and is not guaranteed. BOC Life reserves the right to review and adjust the premium payable at the time of renewal. Factors leading to such adjustment include but not limited to emergence of difference between actual experience and current expectation.

• The Plan is a life / critical illness insurance plan that is underwritten by BOC Life. It is not a bank deposit scheme or bank savings plan. Claims related services for the Plan are currently provided and handled by BOC Life. Bank of China (Hong Kong) Limited (“BOCHK”) is the major insurance agency appointed by BOC Life.
• BOC Life is authorised and regulated by Insurance Authority to carry on long term business in the Hong Kong Special Administrative Region of the People’s Republic of China (“Hong Kong”).
• BOCHK is granted an insurance agency licence under the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) by Insurance Authority in Hong Kong. (insurance agency licence no. FA2855)
• BOC Life reserves the right to decide at its sole discretion to accept or decline any application for the Plan according to the information provided by the proposed Insured and the applicant at the time of application.
• For details of the definitions of the Major Illnesses and Minor Illnesses, please refer to the policy documents and provisions issued by BOC Life. 
• The Plan is subject to the formal policy documents and provisions issued by BOC Life. Please refer to the relevant policy documents and provisions for details of the Insured items and coverage, provisions and exclusions.
• BOCHK is the appointed insurance agency of BOC Life for distribution of life insurance products. The life insurance product is a product of BOC Life but not BOCHK.
• 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 BOCHK and the customer out of the selling process or processing of the related transaction, BOCHK is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the insurance product should be resolved between directly BOC Life and the customer.
• BOC Life reserves the right to amend, suspend or terminate the Plan at any time and to amend the relevant terms and conditions. In case of dispute(s), the decision of BOC Life shall be final.
• Customers are responsible for the data charges imposed by their service providers for using BOCHK Mobile App or Mobile Banking.

Should there be any discrepancy between the Chinese and English versions of this promotion material, the English version shall prevail.

You have an option to purchase the Plan as a standalone plan base on your personal need to choose life protection solely or include additional Critical illness insurance instead of bundling with other type(s) of insurance product.

The product information does not contain the full terms of the policy and the full terms can be found in the policy documents.

This promotion material is for reference only and is intended to be distributed in Hong Kong only. It 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 BOC Life outside Hong Kong. Please refer to the sales documents, including product brochure, benefit illustration and policy documents and provisions issued by BOC Life for details (including but not limited to the insured items and coverage, detailed terms, key risks, conditions, exclusions, policy costs and fees) of the Plan.