BOC Worldwide Medical Insurance Plan

Bank of China Group Insurance Company Limited ("BOCG Insurance") specially presents the "BOC Worldwide Medical Insurance Plan" (the “Plan”), a medical plan with comprehensive protection and abundant coverage, which provides comprehensive, flexible worldwide medical protection and a lifetime benefit of up to HK$66,000,0001. The coverage of the Plan extends beyond hospital and surgical expenses and includes benefits for those suffering from serious illness and post-hospitalisation rehabilitation services, etc.  Ensuring you and your family enjoy the privileged medical treatment and caring in needs. Moreover, the Plan provides protection in different geographical areas to choose from, flexible deductible plans, so that you and your family can enjoy yourselves and choose the required protection. 

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Key features of the Plan

  • Full Reimbursement for Major Hospital Expenses, Chemotherapy, Radiotherapy and Targeted Therapy Expenses, with lifetime benefit up to HK$66,000,0001
  • In addition to hospital and surgical benefits, the plan includes other protection like Stroke Rehabilitation Benefit, Post-hospitalisation Rehabilitation and Alternative Treatment
  • Flexible Combination - you can flexibly choose Coverage Area, Annual Deductible Amount, Optional Dental2 / Outpatient benefits2
  • “Deductible Adjustment Guarantee” 3 allows adjusting the deductible level following 50th, 55th, 60th or 65th birthday’s policy year, without the need of submitting medical proof
  • Various Special Cash Benefits
  • Pre-Approval "Guarantee of Payment for Inpatient Admission Services" 4 (Within Hong Kong and Outside Hong Kong)
  • Guaranteed Lifetime Renewal5

* The Insured Person needs to take note of the requirement of minimum stay of 6 months in the designated Country / Region of Residence. For details, please refer to point 6 of Notes.

Plan Summary

Choice of Plan Noble Plan (Worldwide) Elite Plan
(Worldwide Excl. USA)
Essential Plan(Asia)
Overall Annual Limit
(Per Insured Person)
HK$22,000,000 HK$18,000,000

HK$10,000,000

Overall Lifetime Limit
(Per Insured Person)
HK$66,000,000 HK$54,000,000

HK$30,000,000

Covered Area Worldwide

Worldwide Excluding USA

Asia7

Pre-existing Conditions Benefit8 Yes Nil Nil
Annual Deductible Options HK$0 / HK$25,000 / HK$80,000
Enrolment Age 15 days to 70 years old
Currency of Sum Insured Hong Kong Dollars
Premium Structure By Attained Age
Payment Mode Annual
Policy Renewal Guaranteed Lifetime Renewal5

Notes:

  1. Applicable to “Noble Plan (Worldwide)”.
  2. Applicable to “Noble Plan (Worldwide)”and “Elite Plan (Worldwide excluded USA)”.
  3. Deductible Adjustment Guarantee allows the Insured Person to switch to lower annual deductible option without the need to provide health declaration, for once only, in the policy year of the 50th, 55th, 60th or 65th birthday. The premium will be adjusted based on the selected annual deductible option and the attained age of the Insured Person.
  4. The liability for the Pre-Approval "Guarantee of Payment for Inpatient Admission Services" under the Policy is limited to indemnifying the Insured Person for the eligible medical expenses payable in accordance with the Plan. BOCG Insurance shall recover from the Insured Person the medical expenses settled which fall outside the coverage of the policy (if any).
  5. The Plan offers Lifetime Renewal Guaranteed. BOCG Insurance reserves the right to underwrite, amend the terms and/or adjust the premium and maximum limit of benefits for all policies of the "BOC Worldwide Medical Insurance Plan".   
  6. The basic criterion for the enrolment of the Plan is subject to the Insured Person who lives in Hong Kong Special Administrative Region or Macau Special Administrative Region for 6 months or above during the policy year. If the customer lives in Hong Kong Special Administrative Region or Macau Special Administrative Region for less than 6 months, he/she can enroll the Plan but BOCG Insurance will underwrite and amend the terms and conditions and reserve right in its sole and absolute discretion to decline such enrolment. Moreover, the immediate notice in writing shall be given to BOCG Insurance if the customer changes his/her Country / Region of Residence during the policy year. BOCG Insurance reserves the right in its sole and absolute discretion to treat this policy as termination from the inception date of the change of Country / Region of residence. BOCG Insurance will not refund any premiums paid and reserve right to require repayment of the paid claims. If a change of Country / Region of residence is only found at any claims stage without prior declaration, no claim will be paid.
  7. Asian Country / Region means Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, the Mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, and Vietnam.
  8. "Pre-Existing Conditions Benefit" is applicable for the "Noble Plan (Worldwide)" only. The maximum limit is HK$100,000 per claim with a maximum of 3 claims per policy. This benefit is payable only if the Insured Person has been covered for at least 36 consecutive months of waiting period and there has been no treatment received due to Pre-Existing Conditions and no claim made from another insurance policy. (This benefit is effective from the commencement of the Policy Year next to the waiting period).  In addition, to be eligible for subsequent claims of the same “Pre-existing Conditions Benefit”, another interval of 36 consecutive months need to elapse during which there should be no treatment received and no claim from another insurance policy for the aforesaid condition.


Terms and Conditions:

  • 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 sole right to determine whether any application for the Plan is acceptable or not in accordance with the information submitted at the time of application by the Proposed Insured and/or Insured Person.
  • BOCG Insurance and BOCHK reserve the right to amend, suspend and terminate the above product, services and to amend the relevant terms at any time at its sole discretion without prior notice. In case of any dispute, the decision of BOCG Insurance and BOCHK shall be final.
  • The above information is for reference only. It shall not be construed as an offer to sell or solicitation of an offer or recommendation to purchase or sale or provision of any products of 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.
  • Should there be any discrepancy between the English and Chinese versions, the English version shall prevail

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.