Skip to main content

Health can be Simple & Easy

iRefund Hospital Cash Plan (Apply via mobile banking)

Life protection

10 years' protection plus guaranteed refund of 101% of Total Premiums Paid1 upon policy maturity, even if claims have been made

Life protection

Choice of 3 Daily Hospital Cash Benefit levels

Life protection

Daily-Hospital Cash Benefit coverage of up to 1,000 days for each Disability

Guaranteed rate of return

24-hour Worldwide Emergency Assistance Services

Flexible premium payment

Daily premium from HKD172 only


Apply via mobile3 with no medical examination, as fast as 3 minutes to complete

online application

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.


Limited Offer

Promotion Period: From now on (Limited Offer)

Promo Code: iRD2

To enjoy 25% first year premium discount, apply for this plan by entering the Promo Code mentioned above now! Premium discount offer is subject to terms and conditions. Please refer to product brochure for details.

Know More





Bank of China (Hong Kong) Limited

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 above material is for reference only and must be read in conjunction with the product brochure / coverage details 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. The above Plan and the supplementary riders (if any) are subject to the formal policy documents and provisions issued by BOC Life. Please refer to the 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).