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:  

For those who enroll in the “Universal Smart Travel Insurance Plan” from 18:00 on 3 December 2019 or the journeys booked on and after the time above (also applicable to customers who have purchased Annual Travel Plan), the “Winding-up of Airline(s)” under the Policy, benefit item(s) of Section 10 - travel delay and/or Section 11 – cancellation, is not applicable to Hong Kong Airlines passengers from now until further notice. Other benefits remain unchanged.

If customers applied the insurance after 11 March 2020, where the World Health Organization has already declared the outbreak of the Coronavirus Disease (COVID-19) as a pandemic or Hong Kong government issued any Outbound Travel Alerts to the original destination of the journey, the cause leading to any claims arising from New Coronavirus and/or Outbound Travel Alert will be regarded as known risks. All these claims will trigger the exclusions and thus they will not be proceed. Meanwhile, BOCG Insurance reserves the right of deciding whether the claim will be proceeding or not.

In case of any disputes, Bank of China Group Insurance Company Limited reserves the right of final decision.

You must read the details of latest news and arrangements regarding travel incidents in the "Latest News" of BOCG Insurance's website before applying for insurance.

For any enquiry, please contact BOCG Insurance Customer Services Hotline at 3187 5100.

Latest Promotion


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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 for instant application or visit any of our branches.

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iOS users         Android users    Huawei users

Android users
(If unable to access Google Play)

Version: 7.0.19
Updated on: 29 November 2021


  • 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.
  • 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.