SmartGuard Critical Illness Plan
Product Type : Life Insurance
Insurer : BOC Group Life Assurance Company Limited
A thoughtful plan is the true meaning of Guard
BOC Group Life Assurance Company Limited (“BOC Life”) offers the “SmartGuard Critical Illness Plan” (“the Plan”), apart from providing more than 100 types of illnesses coverage in total including Major Illnesses, Minor Illnesses and Juvenile Illnesses, the Plan also provides Additional Cancer Benefit, Additional Stroke Benefit and Additional Heart Attack Benefit. Insured may enjoy Extra Protection during the first 10 Policy Years after the policy is in force. Moreover, the Plan provides Terminal Dividend (non-guaranteed) as a financial shield for you and your beloved ones.
Note: Please refer to the product leaflet for the details of the Plan (including the coverage, key risks, major exclusions, etc.).
| Basic Eligibility Requirements | |||
|---|---|---|---|
| Policy Currency | RMB/HKD/USD | ||
| Coverage Period | Up to age 100 of the insured | ||
| Premium Payment Period | 10 Years | 15 Years |
20 years |
| Issue Age | Age 0 (starting from 15 days after birth) to age 65 | Age 0 (starting from 15 days after birth) to age 60 | Age 0 (starting from 15 days after birth) to age 55 |
| Minimum Sum Insured | RMB65,000 (RMB policy) / HK$78,000 (HKD policy) / US$10,000 (USD policy) | ||
| Premium Payment Mode | Annual/Semi-annual/Quarterly/Monthly | ||
Important Notes:
- The Plan and the supplementary rider(s) (if any) is underwritten by BOC Life. Bank of China (Hong Kong) Limited ("BOCHK") is the major insurance agency appointed by BOC Life.
- BOC Life is authorised and regulated by the Insurance Authority to carry on long term insurance business in the Hong Kong Special Administrative Region of the People's Republic of China.
- 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 SAR. (insurance agency licence no. FA2855)
- BOC Life reserves the right to decide at its sole discretion to accept or decline any application for the Plan and the supplementary rider(s) (if any) according to the information provided by the proposed Insured and the applicant at the time of application.
- The Plan and the supplementary rider(s) (if any) is subject to the formal policy documents and provisions issued by BOC Life. Please refer to the relevant policy documents and provisions for details of the Insured items and coverage, provisions and exclusions.
- BOCHK is the appointed insurance agency of BOC Life for distribution of life insurance products. The life insurance product is a product of BOC Life 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 insurance product should be resolved between directly the insurance company and the customer.
- This promotion 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 a solicitation of an offer or recommendation to purchase or sale or provision of any products of BOC Life outside Hong Kong. Please refer to the sales documents, including product brochure, benefit illustration and policy documents and provision issued by BOC Life 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 branch staff of the major insurance agencies.
Important Notice:
You have an option to purchase the Plan as a standalone critical illness insurance plan instead of bundling with other type(s) of insurance product.
The product information does not contain the full terms of the policy and the full terms can be found in the policy documents.
