Health & Other Protection

• 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: S00022-01-000-02
VHIS Provider Registration Number: 00022 
Registration Effective Date: 6 March 2019

• Worldwide Protection (any area excluding the U.S.) with a Lifetime Guaranteed Renewal and No Lifetime Benefit Limit
• Comprehensive Medical Protection for You
• Flexible Deductible Options to Fit Your Budget
• Other Services for Additional Peace of Mind
• Certified VHIS-compliant Plan for Tax Deduction Application

Certification number:
F00057-01-000-02 for Deductible HKD0,  
F00057-02-000-02 for Deductible HKD10,000,  
F00057-03-000-02 for Deductible HKD30,000,  
F00057-04-000-02 for Deductible HKD70,000
VHIS Provider Registration Number: 00022
Registration Effective Date: 6 March 2019

• 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.

• 10 years’ coverage with 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 premium from HKD17² only
• Daily Hospital Cash Benefit coverage of up to 1,000 days³ for each Disability
• 24-hour Worldwide Emergency Assistance Services⁴
• No medical examination

¹ Total premiums paid amount will be calculated based on premiums paid after premium discount (if any).

²  The specified daily 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  For Hospital Confinement outside Hong Kong, the Daily Hospital Cash Benefit coverage per Disability is subject to a maxium of 30 days of Hospital Confinement only.

⁴ The relevant services are provided by Inter Partner Assistance Hong Kong Limited in accordance with the "Conditiions for Services" pursuant to "Life Insurance Supplementary Emergency Assistance Services and Benefits". These services are not guaranteed for renewal and BOC Life reserves the right to cancel such services or amend the relevant conditions at its sole discretion.

“Live Young” Privileges:

• Upon successful enrollment, you may register or upgrade as Advanced Member of “Live Young” Rewards Program¹

• Renewal premiums may be settled using “Live Young – Premium Voucher”²

• Easy and convenient online application by Credit Card

• Premium as low as HKD14* per month

• 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

¹ For information on “Live Young” Rewards Program’s membership, Live Young Rewards App, campaigns, ━〇 Coins and rewards, terms and conditions, and other details, please refer to “Live Young” Official Site .
² ”Live Young - Premium Voucher” can be used for settling premium due and levies for valid policy(ies) of BOC Life’s Premium Voucher Designated Insurance Plans (except the initial payment for the first policy year and specified scenarios), subject to terms and conditions. For details, please refer to the promotional leaflet of “Live Young - Premium Voucher”.
* 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

• Provides coverage on 188 types of illnesses
• Maximum amount payable in total can be up to 550% of Sum Insured 
• Multiple critical illness protection and Continuous Support Benefit
• Coverage for admission to Intensive Care Unit
• Extra Protection of Death Benefit or Extra Protection of Major Illness Benefit
• Waiver of Premium upon death of the Insured’s spouse or parent
• Enhanced coverage for benign condition

• 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

• Combination of protection plans at your choice: you can choose life protection solely or include additional critical illness coverage
• Guaranteed premium unchanged for 10 years

• 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

• 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

• 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

• 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 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

• 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