SmartGuard Critical Illness Plan

Product Type : Life Insurance

Insurer : BOC Group Life Assurance Company Limited

A thoughtful plan is the true meaning of Guard

BOC Group Life Assurance Company Limited (“BOC Life”) offers the “SmartGuard Critical Illness Plan” (“the Plan”), apart from providing more than 100 types of illnesses coverage in total including Major Illnesses, Minor Illnesses and Juvenile Illnesses, the Plan also provides Additional Cancer Benefit, Additional Stroke Benefit and Additional Heart Attack Benefit. Insured may enjoy Extra Protection during the first 10 Policy Years after the policy is in force. Moreover, the Plan provides Terminal Dividend (non-guaranteed) as a financial shield for you and your beloved ones.


Note:  Please refer to the product leaflet for the details of the Plan (including the coverage, key risks, major exclusions, etc.).

Basic Eligibility Requirements
Policy Currency RMB/HKD/USD
Coverage Period Up to age 100 of the insured
Premium Payment Period 10 Years 15 Years
20 years
Issue Age Age 0 (starting from 15 days after birth) to age 65 Age 0 (starting from 15 days after birth) to age 60 Age 0 (starting from 15 days after birth) to age 55
Minimum Sum Insured RMB65,000  (RMB policy) / HK$78,000 (HKD policy) / US$10,000 (USD policy)
Premium Payment Mode Annual/Semi-annual/Quarterly/Monthly

Important Notes: 

  • The Plan is underwritten by BOC Life. Bank of China (Hong Kong) Limited ("BOCHK") is the major insurance agent bank 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.

  • 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.

  • 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 agent of the insurance company for distribution of life insurance products. The life insurance product is a product of the insurance company 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 policy documents and provisions issued by BOC Life for details (including detailed terms, conditions, exclusions, policy costs and fees) of the Plan. For enquiry, please contact the branch staff of the major insurance agent banks.