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  • Proposer must be aged between 18 and 65. For online/mobile application, proposer must hold a valid Hong Kong identity card, People's Republic of China resident identity card/passport or Macau resident identity card.

  • Application should be made at the Hong Kong Special Administrative Region and the Place of Residence of the Insured Person(s) must be in Guangdong-Hong Kong-Macau Bay Area whereby the Insured Person(s) will live for 6 months or above within the policy year. 

Key features of the Plan

  • Maximum benefit of HK$4,000,000 for death or permanent total disablement resulting from accident whilst travelling by public transportation or private car, or as a result of landslide

  • Up to HK$50,000 Medical Expenses Protection (including treatment expenses by bonesetter and Chinese medical practitioner)

  • One single policy to cover all family member(s)1, and the number of insured child(ren)2 is unlimited

  • Up to 30% "No Claim Renewal Premium Discount" Offer 

Application Method

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

New BOCHK Mobile Banking understands you better with its chic design and easy-to-use features.

Download now
iOS users         Android users    Huawei users

Android users
(If unable to access Google Play)

Version: 7.0.19
Updated on: 29 November 2021


  • Please download mobile applications from official application stores or BOCHK website, and ensure the search wording is correct. iPhone or iPad users may download BOCHK Mobile Applications via App Store; Android users may download BOCHK Mobile Applications via Google Play, and Huawei AppGallery or BOCHK website.
  • Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.. Android, Google Play, and the Google Play logo are the registered trademarks of Google Inc.. Huawei AppGallery is provided by Huawei Services (Hong Kong) Co., Limited. HUAWEI EXPLORE IT ON AppGallery and the HUAWEI EXPLORE IT ON AppGallery logo are the registered trademarks of Huawei Technologies Co., Limited.


  1. Family means the Proposed Insured, his/her legally married spouse and their child(ren). Insured spouse must be the person whose class of occupation is under Class 1 or 2. Please refer to "Scope of Coverage" for the definitions of Class of Occupation.

  2. Child(ren) means legitimate child(ren) who is/are unmarried and not at work, and aged between 3 and 17, or a full-time student aged 23 or below. The number of Insured child(ren) is unlimited if "Family" or "Insured and Child(ren)" Plan has been chosen.

  3. For terms and conditions of the offer, please refer to the relevant policy document. 


Important Notes:

  • This Plan is underwritten by Bank of China Group Insurance Company Limited ("BOCG Insurance").
  • Bank of China (Hong Kong) Limited (“BOCHK”) is an appointed insurance agent of BOCG Insurance for distribution of this Plan. This 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 this Plan should be resolved between directly BOCG Insurance and the customer.
  • BOCG Insurance is authorised and regulated by the Insurance Authority to carry on general insurance business in the Hong Kong Special Administrative Region of the People's Republic of China.
  • BOCG Insurance reserves the right to determine in its sole and absolute discretion whether to accept any application for the plan on the basis of the information submitted at the time of application by the Proposed 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.
  • The plan is governed by the terms and conditions in the relevant policy document. Detailed terms and conditions are subject to the official policy document issued by BOCG Insurance. Please refer to the relevant policy document for the details of the insured items and coverage, provisions and exclusions. 

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