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:


(Details of coverage please refer to the Latest News on BOCG Insurance Website)


Insured Items and Coverage Single & Annual Travel
Medical and Relevant Expenses
The insured person or his Spouse, parent, parent-in-law, grandparent, Child, brother, sister, fiancé, fiancée or Close Business Partner resident in Hong Kong is hospitalized due to confirmed COVID-19 infection 7 days before commencement of the Journey.
The insured person or his Spouse, parent, parent-in-law, grandparent, Child, brother, sister, fiancé, fiancée or Close Business Partner resident in Hong Kong is hospitalized due to confirmed COVID-19 infection during the Journey.
Travel Delay (Delay must be at least 6 consecutive hours or above)
1. The insured person is hospitalized due to confirmed COVID-19 infection during the Journey and cannot return to Hong Kong.
2. The insured person is placed under mandatory quarantine due to suspected COVID-19 infection during the Journey^ and cannot return to Hong Kong.
3. Reimbursement of irrecoverable prepaid quarantine hotel expenses, due to confirmed COVID-19 infection during the Journey that prevents the insured person from checking into the quarantine hotel upon return to Hong Kong, on the date prearranged prior to commencement of Journey.


(2) OPTIONAL BENEFITS (ENHANCED BENEFITS) (only applicable to Annual Plan or Single Plan customers who have insured with this benefits)

Severe Incident Extended Cover

Extended cover for the basic benefit of "Cancellation" and "Curtailment":
The insured person or travel companion is placed under mandatory quarantine^ due to suspected COVID-19 infection during the Journey or within 7 days before commencement of the Journey (excluding Home Quarantine).

^Mandatory quarantine means the Insured Person is required to comply with quarantine regulations by confinement to a location designated by the government until discharge (excluding Home Quarantine). The insured must provide proof that he or she is placed under Compulsory Quarantine by the government

Extra Cash Allowance

Infectious Disease Cash Allowance
Compulsory Quarantine (excluding Home Quarantine) imposed on the Insured Person during the Journey or within 7 days upon return to Hong Kong as a result of being suspected or confirmed to be infected with COVID-19

(For the same loss, if the insured is compensated in accordance with the above benefit, the company is no longer required to make compensation for the Section 3.5 benefit ("Medical and Relevant Expenses -Daily Hospital Cash benefit")).

  • If the insured is affected by COVID-19 and is unable to return to Hong Kong before this Policy expires, the Period of Insurance will be automatically extended for a maximum period of 10 days for free. For extension over 10 days, please contact BOCG Insurance.

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

Before taking out a policy with us, customers should visit the Latest News section of the BOCG Insurance website and read carefully the latest details regarding our Covid-19 extended cover. For enquiries, please call the 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.