Remarks:

1. For Continuous Support Benefit, if the Insured is Diagnosed by a Physician to be suffering from Cancer, Heart Attack, Stroke or Kidney Failure on or before the Policy Anniversary on or immediately following the Insured’s 100^th birthday provided that the Insured has survived for a period of at least 14 days from the date of first Diagnosis of such Cancer, Heart Attack, Stroke or Kidney Failure, the Plan will pay to the Policy Owner the monthly payment of Continuous Support Benefit after the payment of Major Illness Benefit, Additional Cancer Benefit, Additional Heart Attack Benefit, Additional Stroke Benefit or Additional Kidney Failure Benefit (as the case may be) for such Cancer, Heart Attack, Stroke or Kidney Failure. Such monthly payment will be counted starting from the Monthiversary immediately following the date of first Diagnosis of such Cancer, Heart Attack, Stroke or Kidney Failure (as the case may be) until the end of a period of 12 Policy Months. If the Insured passes away within the above-mentioned period of 12 policy months, the Plan will pay to the Beneficiary a lump sum equivalent to the remaining of Continuous Support Benefit which is equivalent to the total benefit payable for Continuous Support Benefit for that particular Cancer, Heart Attack, Stroke or Kidney Failure less the total benefit paid for Continuous Support Benefit for that particular Cancer, Heart Attack, Stroke or Kidney Failure.

2. For Additional Cancer Benefit, after the payment of Major Illness Benefit, the Plan will continue to cover a multiple number of claims for subsequent Cancer until the Policy Anniversary on or immediately following the Insured’s 88^th birthday, provided that the Insured has survived for a period of at least 14 days from the date of first Diagnosis of such subsequent Cancer. In the case of such subsequent Cancer is Diagnosed following any Immediately Preceding Major Illness (which is not Cancer), the date of first Diagnosis of such subsequent Cancer must be at least 1 year after the date of first Diagnosis of the Immediately Preceding Major Illness (which is not Cancer).

In the case of such subsequent Cancer is Diagnosed following any Immediately Preceding Cancer in which the subsequent Cancer is a new Cancer unrelated to and caused by a different cell not originated from the Immediately Preceding Cancer, the date of first Diagnosis of such subsequent Cancer must be at least 1 year after the date of first Diagnosis of the Immediately Preceding Cancer. In the case that the date of first Diagnosis of such subsequent Cancer is within 1 year after the date of first Diagnosis of the Immediately Preceding Cancer, the Plan will pay the Additional Cancer Benefit only if such subsequent Cancer is confirmed by a Physician to be still subsisting at least 3 years after the date of first Diagnosis of the Immediately Preceding Cancer.

In the case of such subsequent Cancer is Diagnosed following any Immediately Preceding Cancer in which the subsequent Cancer is the continuation, metastasis or recurrence of or is related to the Immediately Preceding Cancer, the date of first Diagnosis of such subsequent Cancer must be at least 3 years after the date of first Diagnosis of the Immediately Preceding Cancer.

If the subsequent Cancer is related to or is a continuation of the Immediately Preceding Cancer which is a prostate or thyroid Cancer and provided that the date of the first Diagnosis of such subsequent Cancer falls on or after the Insured’s Age of 70, the Plan will pay Additional Cancer Benefit only on the condition that the Insured has received or has been receiving an Active Treatment on the recommendation of a Physician in the relevant field, and the Active Treatment must be Medically Necessary and performed during the entire period between the date of first Diagnosis of the Immediately Preceding Cancer and the date of first Diagnosis of the subsequent Cancer.

3. For Additional Heart Attack Benefit, Additional Stroke Benefit and Additional Kidney Failure Benefit, after the payment of Major Illness Benefit, the Plan will continue to cover a multiple number of claims for subsequent Heart Attack, Stroke and/or Kidney Failure until the Policy Anniversary on or immediately following the Insured’s 88^th birthday, provided that the Insured has survived for a period of at least 14 days from the date of first Diagnosis of such subsequent Heart Attack, Stroke or Kidney Failure. The date of first Diagnosis of such subsequent Stroke, Heart Attack or Kidney Failure must be at least 1 year after the date of first Diagnosis of the Immediately Preceding Major Illness (which is not Cancer) or Immediately Preceding Cancer for which Major Illness Benefit or Additional Cancer Benefit or Additional Heart Attack Benefit or Additional Stroke Benefit or Additional Kidney Failure Benefit has been paid under the Plan (as the case may be).

3.1 In the case of such subsequent Heart Attack following an Immediately Preceding Major Illness which is also a Heart Attack, the Physician who is a cardiologist must certify that such subsequent Heart Attack is a new and separate Heart Attack from any of the previous one(s), and the Diagnosis of such subsequent Heart Attack must be supported by new evidence set out in definition of Heart Attack under the Plan.

3.2 In the case of such subsequent Stroke following an Immediately Preceding Major Illness which is also a Stroke, the Physician who is a neurologist must certify that such subsequent Stroke is a new and separate Stroke from any of the previous one(s), and the Diagnosis of such subsequent Stroke must be supported by new imaging evidence consistent with Diagnosis of such subsequent Stroke.

3.3 For the avoidance of doubt, Kidney Failure can only be claimed once only under the Plan. Therefore, Additional Kidney Failure Benefit will not be paid if the Immediately Preceding Major Illness for which Major Illness Benefit has been paid under the Plan is a Kidney Failure.

4. Under the Plan, the maximum amount payable for Additional Cancer Benefit, Additional Heart Attack Benefit, Additional Stroke Benefit, Additional Kidney Failure Benefit and Continuous Support Benefit can reach  400% of Sum Insured.

5. If the Insured satisfies all of the criteria of Admission to ICU due to Major Medical Treatment or Admission to ICU due to Minor Medical Condition and such condition is directly or indirectly arising from or in connection with any other Major Illness or Minor Illness falling within the defined illnesses under the Plan other than Admission to ICU due to Major Medical Treatment or Admission to ICU due to Minor Medical Condition, the benefit payable shall be the Major Illness Benefit or the Minor Illness Benefit for such Major Illness or Minor Illness (as the case may be).  For the avoidance of doubt, in such condition, no Major Illness Benefit for Admission to ICU due to Major Medical Treatment or no Minor Illness Benefit for Admission to ICU due to Minor Medical Condition will be payable. For Admission to ICU due to Minor Medical Condition,  if the stay in ICU takes place outside of Hong Kong and Macau, the benefit payable will be halved. In any event, if the stay in ICU is located in the PRC or Macau, the hospital must be on the prevailing "List of Specified Hospitals in the PRC and Macau" maintained by BOC Life and uploaded to the website of BOC Life and at the time of admission to be eligible for benefit payable.

6. If the Insured passes away or the Insured’s Major Illness is first Diagnosed before the 10^th Policy Anniversary, the Plan will pay a lump sum benefit as Extra Protection of Death Benefit or Extra Protection of Major Illness Benefit, the amount is equivalent to 50% of Sum Insured.

7. The maximum amount payable up to 550% of Sum Insured includes Major Illness Benefit, Extra Protection of Major Illness Benefit, a maximum number of 4 claims for subsequent Cancer, Heart Attack, Stroke, and/or Kidney Failure, and Continuous Support Benefit. For details of each benefit, please refer to the above “Benefits Overview”.

8. If Major Illness Benefit is paid, upon receipt of due proof and subject to the approval of BOC Life, the Plan will waive the premiums paid or payable  due from the next premium due date after the first date of first Diagnosis of the Major Illness until the end of the Premium Payment Term.

9.Waiver of Premium Benefit due to Spouse’s Death is only applicable to the Insured of Age 18 or above upon registering the spouse of the Insured as Designated Spouse (must be successfully registered as Policy Owner, Contingent Policy Owner and/or Beneficiary) on the sign date of the Application or the application for designation or change of Policy Owner, Contingent Policy Owner and/or the Beneficiary (as the case may be). The spouse of the Insured shall be of Age between 18 and 50 inclusive upon the registration as the Designated Spouse.

If the Designated Spouse passes away and provided that the Designated Spouse:

(a)   remains as the spouse of the Insured at the time of his/her death; and

(b)   remains as a Policy Owner, Contingent Policy Owner and/or Beneficiary at the time of his/her death,

The premiums paid or payable, due from the next premium due date after the date of death of the Designated Spouse will be waived until the end of the Premium Payment Term.

Waiver of Premium Benefit due to Spouse’s Death will only be applicable if the date of death of the Designated Spouse is after the Insured attains the Age of 18 years old and at least 2 years from the below dates, whichever is the latest:

(i)     the Policy Issue Date;

(ii)    the date of any reinstatement; or

(iii)   the effective date of designation or change of Policy Owner, Contingent Policy Owner and/or the Beneficiary to the respective Designated Spouse.

10. Waiver of Premium Benefit due to Parent’s Death is only applicable to the Insured of Age below 18 upon registering the Parent(s) of the Insured as Designated Parent(s) (must be successfully registered as Policy Owner, Contingent Policy Owner and/or Beneficiary) on the sign date of the Application or the application for designation or change of Policy Owner, Contingent Policy Owner and/or the Beneficiary (as the case may be). The Parent(s) of the Insured shall be of Age between 18 and 50 inclusive upon the registration as the Designated Parent(s), and the number of Designated Parent(s) shall be limited to not more than 2.

If any one of the Designated Parents passes away and provided that such Designated Parent:

(a)   remains as the Parent of the Insured at the time of his/her death; and

(b)   remains as a Policy Owner, Contingent Policy Owner and/or Beneficiary at the time of his/her death.

The premiums paid or payable, due from the next premium due date after the date of death of the relevant Designated Parent will be waived until the end of the Premium Payment Term or until the Policy Anniversary on or immediately following the Insured's 25th birthday, whichever is earlier.

Waiver of Premium Benefit due to Parent’s Death will only be applicable if the date of death of the Designated Parent is before the Insured attains the Age of 18 years old and at least 2 years from the below dates, whichever is the latest:

(i)     the Policy Issue Date;

(ii)    the date of any reinstatement; or

(iii)   the effective date of designation or change of Policy Owner, Contingent Policy Owner and/or the Beneficiary to the respective Designated Parent.

Important Notes: 

• The Plan and the supplementary rider(s) (if any) is underwritten 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 the Insurance Authority to carry on long term insurance business in the Hong Kong Special Administrative Region of the People's Republic of China.
• 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 SAR. (insurance agency licence no. FA2855)
• For details of the definitions of the Major Illnesses, Special Illness, Minor Illnesses and Juvenile Illnesses, please refer to the policy documents and provisions issued by BOC Life. BOC Life reserves the right to decide at its sole discretion to accept or decline any application for the Plan and the supplementary rider(s) (if any) according to the information provided by the proposed Insured and the applicant at the time of application.
• The Plan and the supplementary rider(s) (if any) 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 the insurance company and the customer.
• 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 provision issued by BOC Life for details (including but not limited to insured items and coverage, detailed terms, key risks, conditions, exclusions, policy costs and fees) of the Plan and the supplementary rider(s) (if any). For enquiry, please contact the branch staff of the major insurance agencies.

Important Notice:

You have an option to purchase the Plan as a standalone life insurance plan with critical illness coverage, 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.