Health & Other Protection

Provide comprehensive medical, life and accident protections for you and your beloved.
Product Overview
Medical Protection
iRefund Hospital Cash Plan (Apply via mobile banking)
- 10 years’ protection plus guaranteed refund of 101% of Total Premiums Paid1 upon policy maturity, even if claims have been made
- Choice of 3 Daily Hospital Cash Benefit levels
- Daily Hospital Cash Benefit coverage of up to 1,000 days for each Disability
- 24-hour Worldwide Emergency Assistance Services
- Daily premium from HKD172 only
- Apply via mobile3 with no medical examination, as fast as 3 minutes to complete
- Online claims submission available
1 Total premiums paid amount will be calculated based on premiums paid after premium discount (if any).
2 The premium amount is calculated by assuming that the Insured’s age is between 18 and 25 when enrolling in a policy under Plan 1 with monthly payment.
3 The Plan is only available to the holders of BOCHK Mobile Banking account. Applicants must be aged between 18 and 55 and be holders of Hong Kong Permanent Identity Card.
BOC Life Standard VHIS
( Plan certification number:S00022-01-000-01)
- Certified VHIS-compliant plan allowing you to enjoy tax concession
- Guarantee renewal up to age 100 for a carefree life
- No Lifetime Benefit Limit
- Covers Pre-existing Conditions unknown at time of application and congenital disease
- Covers Pre-and Post-confinement/ Day Case Procedure outpatient care
- Covers Prescribed Non-surgical Cancer Treatment
- No Claim Discount
- eClaims services at your fingertips
Plan certification number: S00022-01-000-01
VHIS Provider Registration Number: 00022
Registration Effective Date: 6 March 2019
Critical Illness Protection
iProtect 10 Years Insurance Plan (Apply via mobile banking)
- Combination of protection plans at your choice: you can choose life protection solely or include additional critical illness coverage
- Premium refund option, up to maximum 100% guaranteed premium refund
- Guaranteed premium unchanged for 10 years
- One-stop self-service online application and claim experience at your fingertips
AlongPro Critical Illness Plan (Online Application)
Covers Cancer, Stroke and Heart Attack
Provides Death Benefit at the same time to protect your beloved
Guaranteed level premium for every five years
Guaranteed renewable up to age 80
Premium as low as HKD14* per month
Easy and convenient online application
* The specified monthly premium is applicable to the case of male who is aged 18, non-smoker and Hong Kong resident with HKD200,000 sum insured
SmartGuard Critical Illness Plan
Comprehensive critical illness protection covering more than 100 types of illnesses including Major Illnesses, Minor Illnesses and Juvenile Illnesses
Up to four extra claim payments in aggregate for Cancer, Stroke and Heart Attack
Life protection to protect your beloved
Up to 50% extra protection for the first 10 years
Terminal dividend (non-guaranteed) to build your wealth
Three premium payment period options as short as 10 years
BestCare-Pro Critical Illness Plan
Comprehensive critical illness protection covering more than 100 types of illnesses including Major Illnesses, Minor Illnesses and Juvenile Illnesses
Attach with BestCare CI Multiple Claims Rider for up to five extra claims on Major Illness Benefit
Three premium payment period options as short as 10 years
Life protection to protect your beloved
Annual Dividend and Terminal Dividend (both non-guaranteed) to build your wealth
Other Protection
Term Life Insurance Plan
- Enjoy life protection with relatively high sum insured by paying affordable premium
- Guaranteed renewal up to the Insured's age 75
- Convertible to the whole life insurance as defined by the Company without medical examination
Optional Protection
- Supplementary Riders
InstantPro Term Life Plan (Online Application)
- Death benefit up to HKD2 million with affordable premium
- Convertible to whole life insurance plan as defined by BOC Life without medical examination
- Guaranteed renewal up to the Insured’s age of 75
- Easy and convenient via online application
GoSports Accident Insurance Plan
- Comprehensive accident protection
- Free protection upgrade due to injury caused by sports accidents
- No Claim Discount
- Easy and convenient application with no medical examination
- Additional Benefit
- 24-Hour Worldwide Emergency Assistance Services
Mortgage Reducing Term Plan II
- Mortgage life protection for secure planning
- Joint owners being the Insured together may enjoy 10% discount upon successful application
- Continuous protection for early redemption of mortgage
- Optional Protection
- Supplementary Riders
Easy-Plug Insurance Plan
- Whole life insurance plan designed to be attached with supplementary riders
- Flexible Premium Payment mode
- Guaranteed renewal, covering till the termination of all relevant supplementary riders
Product Information