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GoStudy Student Insurance (Revamp)

Bank of China Group Insurance Company Limited ("BOCG Insurance") is delighted to present the "GoStudy Student Insurance" ("the Plan") to you. The Plan provides you or your children with comprehensive coverage while studying in anywhere of the world or in Hong Kong, letting you enjoy the opportunity to travel around, broaden your horizons and achieve your dreams.

Are you or your children studying in Hong Kong? Please make sure to have adequate protection. "GoStudy Student Insurance" now offers Study in Hong Kong Plan, providing comprehensive personal accident coverage and medical expense coverage up to HK$600,000 and HK$300,000 respectively to you or your children.

Before application, please read and understand the related Product Information, Policy Terms and all other relevant document and information carefully.

 

Latest Promotion

Please click here for latest promotion details.

Product Features

Study in Hong Kong Plan (New)

  • Up to HK$600,000 (per Period of Insurance basis) Personal Accident Coverage, with kidnapping cover
  • Up to HK$300,000 (per Period of Insurance basis, Study in Hong Kong Plan only covers medical expenses incurred during confinement) Medical and Relevant Expenses
  • Education fund1 - covers the unpaid tuition fee in the event of accidental death or permanent total disablement of a parent or legal guardian within the period of Insurance basis
  • 24-hour Emergency Assistance Service and Benefits2

 

Study outside Hong Kong Plans

  • Medical expenses cover (only applicable to "Premier Plan", and per period of insurance basis) up to HK$1,500,000. "Premier Plan" even includes outpatient and prescribed drugs expenses up to HK$10,000
  • Personal accident cover up to HK$1,200,000 (per period of insurance basis), with kidnapping cover
  • Personal liability cover up to HK$1,000,000 (per period of insurance basis)
  • Cover up to HK$10,000 for loss of or damage to home contents caused by fire, flooding3 or burglary at home in the country/region of study
  • Protect against accidental loss of or damage to personal effects sustained in the country/region of study during study trip, up to HK$10,000
  • 24-hour Emergency Assistance Service and Benefits2
  • Emergency Medical Evacuation (Actual expenses)
  • Covers trip outside the country/region of study and Hong Kong for leisure purpose less than 21 days, and internship arranged by the educational institution, or clerical or administrative part-time job in the city where the educational institution is located
  • Education fund1 - covers the unpaid tuition fee in the event of accidental death or permanent total disablement of a parent or legal guardian within the period of Insurance basis
  • School Closure Allowance, Study Interruption, and Postponing/Cancellation of Study Trip benefits

 

Notes:

  1. This benefit is payable only if the insured person is under the age of 25 and unmarried.
  2. 24-hour Emergency Assistance Service is provided by a service provider designated by BOCG Insurance. For details of the arrangement and provision, please refer to policy provision SECTION A.3 and B.3 - 24-hour Emergency Assistance Service.
  3. Floods that are not caused by weather-related natural disasters are not covered.

 

Important Notice

Limitation

  • Proposed Insured must be aged 18 or above.
  • Insured Person(s) must be aged between 12 and 40 years.
  • If Basic Plan or Premier Plan is selected, journey must be departed from Hong Kong, and the policy effective day must be before or on the date of departure.
  • If Study in Hong Kong Plan is selected, insurance application may be submitted either before the Insured Person arrives in Hong Kong (only applicable if the Policyholder is applying for their child in Hong Kong) or after their arrival, while only events that occur during the period of insurance when the Insured Person is in Hong Kong will be covered.

 

Notes for application

  • Individual application for insurance is required for persons aged 18 or above.
  • For any Insured Person below the age of 18, the Policyholder must be the parent or guardian.
  • If Basic Plan or Premier Plan is selected, the Insured Person must be a full-time international student at the accredited education institute in the country or place of study; if Study in Hong Kong Plan is selected, the Insured Person must be a full-time student at the accredited education institute in Hong Kong and a non-permanent resident of Hong Kong.
  • The Insured Person must notify BOCG Insurance within 7 days of any change in the country/region of study.
  • Premium and premium levy will not be refunded for the 6-month cover (6-month cover is not applicable to Study in Hong Kong Plan). If the policyholder terminates the 1-year cover, BOCG Insurance will collect at least 50% of the paid premium and premium levy. If any claim has arisen, all the paid premium and premium levy will not be refunded.
  • No renewal for the 6-month cover (6-month cover is not applicable to Study in Hong Kong Plan).
  • 1-year Cover is renewable upon the expiry of the Period of Insurance subject to underwriting approval. However, BOCG Insurance has the right to revise the benefit structure, premiums and terms and conditions under the policy, and to make changes to or re-underwrite the policy.

Important Notes

  • The Plan is underwritten by BOCG Insurance.
  • Bank of China (Hong Kong) Limited (“BOCHK”) is the appointed insurance agent of BOCG Insurance for distribution of the Plan. The Plan is a product of BOCG Insurance 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 Plan should be resolved between directly BOCG Insurance and the customer.
  • The Bank of China (Hong Kong) Limited 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)
  • BOCG Insurance is authorised and regulated by Insurance Authority to carry on general insurance business in Hong Kong Special Administrative Region of the People's Republic of China.
  • BOCG Insurance reserves the sole right to determine whether any application for the Plan is acceptable or reject in accordance with the information submitted at the time of application by the Insured and/or Insured Person.
  • BOCG Insurance reserves the right to amend or withhold any terms and conditions in respect of the Plan without prior notice. In case of any dispute, BOCG Insurance reserves the final right on decision.
  • This promotional material is for reference only. The Plan is subject to the formal policy documents and provisions issued by BOCG Insurance. Details of the coverage of the Plan are subject to the terms and conditions stipulated in the policy by BOCG Insurance. Please refer to the policy document for the details of the insured items and coverage, provisions and exclusions.
  • This promotion material 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 BOCG Insurance outside Hong Kong. Please refer to the policy documents and provisions issued by BOCG Insurance for details (including but not limited to insured items and coverage, detailed terms, key risks, conditions, exclusions, policy costs and fees) of the Plan. 
  • For enquiry, please contact the staff of BOCHK.

The Insurance Authority (“IA”) will collect premium levy from the policyholder at the applicable rate. In order to avoid any legal consequences, the policyholder must pay to the insurance company a prescribed levy for the premium for direct remittance to the IA. The levy amount may be subject to change depending on the applicable rate. For details, please visit IA's website www.ia.org.hk.

 

Application Method 

Please go to BOCHK Mobile Application/ Mobile Banking for instant application.

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Android users
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Version: 7.3.4
Updated on: 18 July 2025


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