GoStudy Student Insurance 

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


Latest Promotion

Please click here for latest promotion details.

Key features of the Plan


  • Medical expense coverage of up to HK$1,500,0001 (per Period of Insurance basis), including outpatient fee and prescribed drugs coverage of up to HK$10,0001.
  • Personal accident coverage of up to HK$1,200,0001(per Period of Insurance basis), with kidnapping coverage
  • Incidental hospital or infectious disease quarantine cash allowance1
  • Education fund – coverage of the unpaid tuition fee in the event of death or permanent total disablement of a parent/legal guardian within 12 months from date of accident
  • Coverage of Study Interruption, Postponing/ Cancellation of Study Trip
  • Personal liability covers up to HK$ 1,000,0001 (per Period of Insurance basis)
  • 24-hour Emergency Assistance Service2


2 Plan Types    Free of Choice!

  • Suitable for those aged 12 to 40 who study outside Hong Kong
  • Choices of Basic Plan and Premier Plan
  • Choices of half-a-year or full-year duration. Short term exchange programme is also suitable.
  • Covers your entire study trip from home to home in Hong Kong, including the leisure travel during the study trip
  • Extended cover for non-manual part-time job and internship programs.
  • No excess applied



  1. Only applicable to Premier plan.
  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 3 - 24-hour Emergency Assistance Service.


Major Exclusions (for details, please refer to the Policy Terms)

  1. Pre-existing condition, sickness, physical defects, congenital disease or genetic disorder
  2. Arising from anything that happened or was announced to happen before applying for this insurance or before the effective date of the policy
  3. Cosmetic surgery pregnancy, dystocia, miscarriage, childbirth, dental care or treatment
  4. Surgery or medical treatment which in the opinion of the Medical Practitioner treating the Insured Person can be reasonably delayed until the Insured Person returns to Hong Kong
  5. Cost of single or private room accommodation at a Hospital, clinic or nursing Home
  6. Act of war, civil commotion, terrorism(except as otherwise specified)
  7. Nuclear fission, nuclear fusion or radioactive contamination
  8. Involving any dangerous assignments, projects or occupation of a manual nature;
  9. Suicide, willfully self-inflicted injury, mental or nervous disorder, the effect or influence (temporary or otherwise) of alcohol or the use of drugs (other than drugs taken in accordance with treatment prescribed and directed by a registered Medical Practitioner, but not for the treatment of drug addiction)
  10. Mental or nervous disorder, venereal disease or sexually transmissible diseases including AIDS and ARC
  11. Professional sports team, aerial activities(unless (i) at the relevant time the Insured Person are travelling as a fare paying passenger on a regularly scheduled flight, or (ii) participating in such activity where the maneuver or navigation of such activity is responsible by another person who is adequately licensed for guiding such activity and the provider of such activity must be authorized by the relevant local authority)
  12. Mountaineering or trekking at an altitude greater than 5,000 meters above sea level or diving to a depth greater than 40 meters below sea level
  13. Liability arising out of the use of vehicles, aircraft or watercraft
  14. Air traffic control
  15. Travelling for the purpose of obtaining medical treatment
  16. Any illegal or unlawful act
  17. The Insured Person is rejected to grant an entry visa or entry by the Country/Region of Study
  18. For losses not reported to the local police within 24 hours upon discovery of loss or a loss report not obtained from the police
  19. Arising by engaging in Winter Sports (only applicable to the Insured Person at the time of Bodily Injury or Sickness is Aged under 18)
  20. Arising by engaging in Dangerous Activities (only applicable to the Insured Person at the time of Bodily Injury or Sickness is Aged under 18)
  21. For any dwelling quarantine and the confinement or quarantine period is less than a continuous period of 24 hour
  22. The Insured Person is put in compulsory quarantine or has infected with Infectious Diseases which need to be put in quarantine or monitoring by the local government


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 branch 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: 7.1.6
Updated on: 31 March 2024

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