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Group Insurance

Group Medical Insurance

  • This insurance is designed for companies, corporations or organisations to provide cover to their employees as well as the employees' family members for the medical fees and charges incurred by hospitalisation and outpatient treatment owing to injury or sickness.
  • The minimum requirement for number of insured person is three. In normal case, no medical check up is required.
  • The policy will be effective immediately upon our acceptance of application.

Hassle-free Enrolment

For insurance enrolment, please visit any branches or Commercial Centres of Bank of China (Hong Kong).

Important Notes:

  • Group Medical Insurance and the supplementary rider(s) (if any) are underwritten by Bank of China Group Insurance Company Limited (“BOCG Insurance”).
  • Bank of China (Hong Kong) Limited ("BOCHK") is the appointed insurance agency of BOCG Insurance for distribution of Group Medical Insurance Plan. Group Medical Insurance Plan is 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 Group Medical Insurance Plan should be resolved directly between BOCG Insurance and the customer.
  • 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 Special Administrative Region of the People's Republic of China. (insurance agency licence no. FA2855)
  • BOCG Insurance is authorised and regulated by the Insurance Authority to carry on general insurance business in Hong Kong Special Administrative Region of the People's Republic of China.
  • BOCG Insurance reserves the sole right to determine whether any application for Group Medical Insurance Plan is acceptable or not in accordance with the information submitted at the time of application by the Proposer and/or Insured Person.
  • BOCG Insurance and/or BOCHK reserve the right to amend, suspend or terminate Group Medical Insurance Plan, and to amend the relevant terms and conditions at any time. In case of any dispute(s), the decision of BOCG Insurance and/or BOCHK shall be final.
  • This promotional 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 solicitation of an offer or recommendation to purchase or sale or provision of any products of BOCG Insurance outside Hong Kong. Please refer to the policy documents and provisions issued by BOCG Insurance for details (including but not limited to insured items and coverage, detailed terms, key risks, conditions, exclusions, policy costs and fees) of Group Medical Insurance Plan and the supplementary rider(s) (if any). For enquiry, please contact the staff of BOCHK.
  • Group Medical Insurance Plan and the supplementary rider(s) (if any) are subject to the formal policy documents and provisions issued by BOCG Insurance. Details of the coverage of Group Medical Insurance Plan are subject to the terms and conditions stipulated in the policy by BOCG Insurance. Please refer to the policy documents for the details of the insured items and coverage, provisions and exclusions.

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.