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Safeguard your health, protect your beloved

Health & Other Protection

Provide comprehensive medical, life and accident protections for you and your beloved.

Product Overview

Medical Protection

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SmartViva Flexi VHIS

( Plan certification number:F00057-01-000-01, F00057-02-000-01, F00057-03-000-01, F00057-04-000-01 )

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

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Refundable Hospital Cash Plan

  • 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).

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. 

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.

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BOC Life Standard VHIS

( Plan certification number:S00022-01-000-02)

  • 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

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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.

Critical Illness Protection

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ProtectU Insurance Plan

  • 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

 

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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

 

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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

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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

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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

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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
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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
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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
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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