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BOC Family Medical Insurance Plan

Bank of China Group Insurance Company Limited ("BOCG Insurance") offers the BOC Family Medical Insurance Plan ("the Plan") for you and your family. On top of the comprehensive Hospital and Surgical Benefits, you and your family can enrol by the option of "Supplementary Family Benefit Pool" 1 together, the coverage can then be shared among your family2, keeping you worry-free even when encountering unforeseen medical expenses. Moreover, optional "Upgrade Benefit" 3 and various extra benefits are also included in the Plan to provide comprehensive service to keeping you and your family worry-free.

 

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Key features of the Plan

  • Optional "Supplementary Family Benefit Pool"1 - up to HK$600,0004 Maximum Annual Shared Cover for your family2
  • Optional "Upgrade Benefit"3 – offer higher benefits for "Medical Appliance" and “Chemotherapy/ Radiotherapy/ Renal Dialysis Treatment” to give you total peace of mind
  • All Rounded Benefits - "Extra Serious Illness5 Benefit", "Free Newborn Benefit" 6 and "Pet Care Benefit" 7, etc
  • Enrol with your family2 to enjoy up to a 25% family premium discount
  • 15% No Claim Discount Privilege8
  • Guaranteed Lifetime Renewal9
     

Notes:

  1. "Supplementary Family Benefit Pool" is only applicable to all Insured Persons who have enrolled together.
  2. Family refers to the Proposed Insured and/or parents and/or legal spouse and/or parents-in-law and/or legal child(ren) of the Proposed Insured.
  3. Optional "Upgrade Benefit" is applicable to treatment performed in Hong Kong only.
  4. Maximum limit is for 4 Insured Persons or above. The Maximum Annual Shared Cover for each Insured Person aged 76 or above is HK$150,000.
  5. Extra Serious Illness refers to Cancer, Cardiomyopathy, Coma, Coronary Artery Bypass Grafting, Heart Valve Replacement, Kidney Failure, Liver Failure, Major Burns, Stroke and Tuberculosis.
  6. The Newborn Benefit will be effective provided that the parents are covered under the Plan and it is approved by BOCG Insurance. The benefit is not applicable to the Insured Person who is pregnant or has given birth to a child during the 1st year after the policy has come into effect
  7.  "Pet Care Benefit"is applicable to cat or dog accommodation services in Hong Kong only.
  8. Each insured person who has no claim record for 3 or more consecutive policy years will be offered a 15% discount in premium upon renewal during next policy year.
  9. The Plan offers guaranteed lifetime renewal up to 100 years of age. 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 Family Medical Insurance Plan".

Terms and Conditions:

  • The 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 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 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 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 shall be final.
  • The above information is for reference 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 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.