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.

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 Please be aware that information contained in the latest news release by BOCG Insurance dated 19 October 2022 is no longer valid.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.). For enquiries, please call BOCG Insurance customer service hotline 3187 5100.


Latest Promotion

Please click here for latest promotion details.

Key features of the Plan

Basic Benefit1

  • Double Indemnity of Personal Accident2, up to HK$4,000,000 (only applicable to Single Travel Plan)
  • Maximum limit for medical expenses up to HK$1,500,000
  • Protection for Dangerous Activities2,3, including bungee jumping, parachuting, rafting, diving, trekking & hot-air ballooning, etc.
  • 24-hour Worldwide Emergency Assistance Service
  • Protection for Outbound Travel Alert and Rental Vehicle Excess

Optional Benefit

I.  Enhanced Benefit1

  • Extended benefit – Act of terrorism, Severe Incident, Outbound Travel Alert (extend to “Red Alert” or “Amber Alert”)
  • Accidental damage of Personal Notebook Computer and Mobile Phone

II. Cruise Benefit1 (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. Please refer to the Scope of Coverage for more details.
  2. Not applicable to the insured person aged under 18 or over 70.
  3. Not applicable to professional sportsmen or those engaging in racing or competition.


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/Internet Banking (applicable to customers registered) for instant application.


Download now
iOS users         Android users    Huawei users

Android users
(If unable to access Google Play)

Version: 7.0.30
Updated on: 18 September 2022


  • 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 6.0 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 is underwritten by BOCG Insurance.
  • Bank of China (Hong Kong) Limited (“BOCHK”) is an 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.
  • 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 accept or decline any application for the Plan based on the information provided by the proposed insured and/or insured person at the time of application.
  • BOCG Insurance reserves the right to amend, suspend and terminate the above products, services and offer and to amend the relevant terms at any time at its discretion without prior notice. In case of dispute, the decision of BOCG Insurance and BOCHK shall be final.
  • The above information is for reference only and is intended to be distributed in Hong Kong only. Information contained herein is not and 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. 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 enquiries, please contact the staff of BOCHK.
  • 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.