BOC Life iRefund Hospital Cash Plan | hospital income plan with premium refund | guaranteed to receive premium refund
Health & Other Protection

iRefund Hospital Cash Plan

Apply via mobile banking

Health can be Simple & Easy!

Wish to enjoy both protection and premium refund? BOC Group Life Assurance Company Limited ("BOC Life") presents you with iRefund Hospital Cash Plan ("the Plan"). The Plan is a hospital income plan with premium refund feature which on one hand provides Daily Hospital Cash Benefit1 when you are unfortunately hospitalised that helps ease your financial burden due to hospitalisation; on the other hand, you are guaranteed to receive 101% of total premiums paid2 as premium refund3 at policy maturity no matter if you have claimed or not during the benefit term; allowing you to enjoy protection and getting back all premiums paid.

Product Features
  1. 10 years coverage with guaranteed refund of 101% of total premiums paid2 upon policy maturity even if claims have been made
    BOC Life iRefund Hospital Cash Plan | 10 years coverage
  2. Choice of 3 Daily Hospital Cash Benefit levels
    BOC Life iRefund Hospital Cash Plan | 3 Cash Benefit levels
  3. Daily Hospital Cash Benefit coverage can be up to 1,000 days5 per each Disability4
    BOC Life iRefund Hospital Cash Plan | 1,000 days Cash Benefit coverage
  4. 24-Hour Worldwide Emergency Assistance Services6
    BOC Life iRefund Hospital Cash Plan | 24-Hour Worldwide Emergency Assistance Services
  5. Daily premium as low as HKD177 only
    BOC Life iRefund Hospital Cash Plan | Daily premium as low as HKD177 only
  6. Apply via mobile8 with no medical examination, as fast as 3 minutes to complete
    BOC Life iRefund Hospital Cash Plan | 3 minutes mobile application
  7. Online claims submission available
    BOC Life iRefund Hospital Cash Plan | Online claims submission
Premium Refund3
On or after the following Policy Anniversary % of Total Premiums Paid2
5 10%
6 30%
7 50%
8 70%
9 90%
10 (at policy maturity) 101%
Limited Offer

25% First Year Premium Discount

From now, enter below Promo Code and you may enjoy the first year premium discount upon successful enrolment of the Plan. Limited Offer!

Note: First year premium discount offer is subject to terms and conditions. For details, please refer to the product brochure.

Basic Eligibility Requirements
Issue Age: Age 18-55
Basic Requirement: Holders of BOCHK Mobile Banking account and Hong Kong Permanent Identity Card and the Insured must be the Policy Owner9
Daily Hospital Cash Benefit (HKD): Plan 1: 600 | Plan 2: 900 | Plan 3: 1,200
Maximum Number of Days of Hospital Confinement Coverage5: 1,000 days (30 days for Hospital Confinement outside Hong Kong) (per Disability4)
Death Benefit: 100% of Total Premiums Paid2
Premium Payment Period: 10 years
Benefit Term: 10 years
Policy Currency: HKD
Premium Payment Mode: Monthly
Payment Method: Direct Payment from BOCHK Mobile Banking account
Product Video


  1. The aggregate Daily Hospital Cash Benefit entitlement of each Insured under all policies of the Plan, "Medi-Dollars Hospital Cash Plan" and "Refundable Hospital Cash Plan" shall not exceed HKD2,100. If there is more than one policy of the Plan and/or "Medi-Dollars Hospital Cash Plan" and/or "Refundable Hospital Cash Plan" issued to the Insured with total sum of the Daily Hospital Cash Benefit exceeding HKD2,100, BOC Life will pay the Daily Hospital Cash Benefit by following the sequence of policy issuance and in any event for each day of Hospital Confinement the total Daily Hospital Cash Benefit payable under those policies will not exceed HKD2,100. Hospital Confinement means the admission and confinement of the Insured as an in-patient in a hospital upon recommendation of a Physician for the treatment of a Disability provided that the Insured must be admitted in the hospital as an in-patient for a minimum of six (6) hours and continuously stay in the hospital thereafter prior to his Discharge which incurs a charge for hospital daily room and board or intensive care. Hospital Confinement must be Medically Necessary. The Daily Hospital Cash Benefit will not be payable if the number of hour of Hospital Confinement is less than six (6) hours.
  2. Total premium paid amount will be calculated based on premiums paid after premium discount (if any).
  3. You may receive premium refund upon surrender starting from the 5th Policy Anniversary and may even receive up to 101% of total premiums paid on the 10th Policy Anniversary (i.e. at policy maturity) as premium refund.
  4. Disability means Injury or Sickness. For details, please refer to policy documents and provisions issued by BOC Life.
  5. For Hospital Confinement outside Hong Kong, the Daily Hospital Cash Benefit coverage per Disability is subject to a maximum of 30 days of Hospital Confinement only.
  6. The relevant services are provided by Inter Partner Assistance Hong Kong Limited in accordance with the "Conditions 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.
  7. 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.
  8. 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.
  9. The Plan is only available for application in Hong Kong.

Important Notice:

You have an option to purchase the Plan as a standalone hospital cash insurance plan instead of bundling with other type(s) of insurance product.The product information does not contain the full terms of the policy and the full terms can be found in the policy documents.

The Policy Owner is subject to the credit risk of BOC Group Life Assurance Company Limited ("BOC Life"). If the Policy Owner discontinues and / or surrenders the insurance plan in the early policy years, the amount of the benefit he / she will get back may be considerably less than the amount of the premium he / she has paid.

Important Notes:

  • The Plan is underwritten by BOC Life. Bank of China (Hong Kong) Limited ("BOCHK") is the major insurance agency appointed by BOC Life.
  • BOC Life is authorised and regulated by Insurance Authority to carry on long term business in the Hong Kong Special Administrative Region of the People's Republic of China ("Hong Kong").
  • 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. (insurance agency licence no. FA2855)
  • BOC Life reserves the right to decide at its sole discretion to accept or decline any application for the Plan according to the information provided by the proposed Insured and the applicant at the time of application.
  • The Plan is subject to the formal policy documents and provisions issued by BOC Life. Please refer to the relevant policy documents and provisions for details of the insured items and coverage, provisions and exclusions.
  • BOCHK is the appointed insurance agency of BOC Life for distribution of life insurance products. The life insurance product is a product of BOC Life 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 insurance product should be resolved between directly BOC Life and the customer.
  • BOC Life reserves the right to amend, suspend or terminate the Plan at any time and to amend the relevant terms and conditions. In case of dispute(s), the decision of BOC Life shall be final.
  • Cooling-off period:
    Policy Owner has the right to cancel the policy and obtain a refund of any premium(s) and the levy and/or charges (if any) paid, which are collected by BOC Life on behalf of the government or the regulatory authority (including but not limited to the Insurance Authority) according to the relevant requirements, less any difference caused by exchange rate fluctuation, where applicable, by giving written notice. Such notice must be signed by the Policy Owner and received directly by BOC Life's Principal Office at 13/F, 1111 King's Road, Taikoo Shing, Hong Kong within 21 calendar days after the delivery of the policy or issue of a Notice to the Policy Owner or the representative of the Policy Owner, whichever is the earlier. The Policy Owner understands that BOC Life will notify the Policy Owner of the Cooling-off Period via a Notice and/or text message. If the last day of the Cooling-off Period as indicated in the Notice and/or the text message is not a working day, it will fall on the next working day. No refund can be made if a claim has been admitted.
  • Customers are responsible for the relevant data charges incurred by using and/or downloading BOCHK Mobile Banking.
  • Please download mobile applications from official application stores or BOCHK website or scan the above QR code, and ensure the search wording is correct.
  • By using BOCHK Mobile Banking, the viewer agrees to be bound by the content of the disclaimer and policy as it may be amended by BOCHK from time to time and posted on BOCHK Mobile Banking.

Should there be any discrepancy between the Chinese and English versions of this promotion material, the English version shall prevail.

This promotion 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 a solicitation of an offer or recommendation to purchase or sale or provision of any products of BOC Life outside Hong Kong. Please refer to the sales documents, including product brochure, benefit illustration and policy documents and provisions issued by BOC Life for details (including but not limited to insured items and coverage, detailed terms, key risks, conditions, exclusions, policy costs and fees) of the Plan and the supplementary riders (if any). For enquiry about product and post-sales service, please contact BOC Life Customer Service Hotline (852) 2860 0688.

This promotion material is published by BOC Life.