Universal Smart Travel Insurance Plan

Bank of China Group Insurance Company Limited ("BOCG Insurance") is delighted to present the "Universal Smart Travel Insurance Plan" ("the Plan") to you. Whether you and your family members are traveling on holiday, business or short-term overseas study trip, can enjoy a truly worry-free journey. Stay protected year-round with our Annual Travel Plan, designed for frequent leisure or business travellers. Enjoy exceptional value and experience the convenience of automatic renewal1.

Important Note:

In light of the World Health Organization Director-General’s declaration that COVID-19 is now an established and ongoing health issue which no longer constitutes a Public Health Emergency of International Concern, claims arising as a consequence of COVID-19 will handle in accordance with the policy terms and conditions for Medical and other relevant coverages on or after 31 July 2023. For detailed coverage information, please refer to the policy terms and conditions. Please be aware that information contained in the latest news release by BOCG Insurance dated 19 October 2022 is no longer valid.

BOCGI Insurance appreciates your support, and we look forward to creating wonderful travel memories together with you, providing you a safe and enjoyable travel experience.

In case of any disputes, BOCG Insurance reserves the right of final decision.

Before customer apply for the insurance, please read and visit the Latest News section of the BOCG Insurance website about the latest relevant coverages carefully (e.g. Typhoon, Covid-19 extended cover etc.).


Latest Promotion

Please click here for latest promotion details.

Key features of the Plan

Basic Benefit2

  • Double Indemnity of Personal Accident3, up to HK$4,000,000 (only applicable to Single Travel Plan)
  • Maximum limit for medical expenses up to HK$1,500,000, including follow-up medical treatment expenses incurred in Hong Kong within 3 months of the insured person’s return from abroad, as well as Trauma Counselling Protection
  • Protection for Dangerous Activities3,4, including bungee jumping, parachuting, rafting, diving, trekking and hot-air ballooning, etc.
  • Protection for Winter Sports5, including recreational or amateur participation in skiing, tobogganing, sledding, ice skating and ice hockey, etc.
  • 24-hour Emergency Assistance Service6
  • Up to HK$8,000 (per event) for Rental Vehicle Excess Protection
  • Pet Boarding Services: If a delay of at least 6 consecutive hours caused by the designated reasons results in the insured person’s delay in returning Hong Kong, reasonable and additional expenses for extending the stay of his/her pet at a licensed Hong Kong pet hotel will be payable
  • Extended Cover of Personal Money: Up to HK$1,500 benefit for accidental loss of cash, or unauthorized use of Payment App due to theft or robbery of mobile phone

Optional Benefit

I.  Enhanced Benefit2

  • Severe Incident Extended Benefit:
    - Extended cover for trip cancellation and curtailment due to unanticipated strikes, industrial action, adverse weather conditions, natural disasters or widespread infectious disease, and death, serious injury or serious illness of the insured person’s travel companion
    - Compensation for cancellation fees, or provision of cash allowance, if flight tickets booked with frequent flyer points are cancelled due to designated reasons
    - Reimbursements for irrecoverable prepaid accommodation and transportation expenses due to operational flight delays from Hong Kong
  • Accidental damage of Personal Notebook Computer and Mobile Phone
  • Extended benefit for personal accident and medical and related expenses arising from Act of Terrorism7


II. Cruise Benefit2 (only applicable to Single Travel Plan)

  • Cruise Cancellation and Interruption Cover
  • Post-Departure Curtailment of Cruise Trip and Failure to Board the Cruise Ship
  • Shore Excursion Cancellation Allowance



  1. BOCG Insurance reserves the right to amend the terms and/or adjust the premium, premium levy and maximum limits under the Plan. Rest assured, should there be any changes to the policy terms and conditions you will be notified promptly.
  2. Please refer to Policy Terms for more details.
  3. Not applicable to the insured person aged under 18 or over 70.
  4. Not applicable to professional sportsmen or those engaging in racing or competition.
  5. Not applicable to insured person aged over 70.
  6. The 24-hour Emergency Assistance Services hotline provides emergency assistance service. For coverage details or claims related matter, please contact BOCG Insurance directly.
  7. Extended to cover losses arising from Act of Terrorism (except those involving nuclear weapon or device, or chemical or biological agent).


If you are going to travel in Greater Bay Area, BOCG Insurance has another travel insurance product - "Greater Bay Area Travel Insurance Plan" for your selection but the premium and coverage would be different. Terms apply. Click here for details.

Application Method

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

Download now

iOS users         Android users    Huawei users

Android users
(If unable to access Google Play)

Version: 7.1.6
Updated on: 31 March 2024

Security tips:

  • If any apps from suspicious download are found, please do not login and stop operation immediately.
  • Prevent download any counterfeit mobile application which is attached with Phishing program / Trojan to steal the login information.
  • Do not copy or install mobile application from uncertain sources on mobile device.
  • If any abnormalities are found, such as unusual layout or unusual slow login response, please stop the operation immediately.


  • 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.
  • * Recommended Operating System: Android 8.0 or above.
  • 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.


Important Notes:

  • The Plan and the supplementary rider(s) (if any) are underwritten by BOCG Insurance.
  • BOCG Insurance is authorised and regulated by the Insurance Authority to carry on general insurance business in Hong Kong Special Administrative Region of the People's Republic of China ("Hong Kong").
  • The Bank of China (Hong Kong) Limited ("BOCHK") is granted an insurance agency licence under the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) by Insurance Authority in Hong Kong Special Administrative Region of the People's Republic of China. (insurance agency licence no. FA2855)
  • BOCG Insurance reserves the sole right to determine whether any application for the Plan and the supplementary rider(s) (if any) is acceptable or not in accordance with the information submitted at the time of application by the Proposer and/or Insured Person.
  • BOCHK is the appointed insurance agency of BOCG Insurance for distribution of the Plan. The Plan is product of BOCG Insurance but not BOCHK.
  • BOCG Insurance and/or BOCHK reserve the right to amend, suspend or terminate the Plan, and to amend the relevant terms and conditions at any time. In case of any dispute(s), the decision of BOCG Insurance and/or BOCHK shall be final.
  • 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 directly between BOCG Insurance and the customer.
  • This promotional 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 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 and the supplementary rider(s) (if any). For enquiry, please contact the staff of BOCHK.
  • The Plan and the supplementary rider(s) (if any) are 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 documents 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 www.ia.org.hk.