Skip to main content

Extra Benefits for Novel Coronavirus Disease

Extra Benefits for Novel Coronavirus Disease

01 July 2020

Extra Benefits for Novel Coronavirus Disease
Extra protection. Together, we fight against the epidemic


In view of the continuous spread of the Novel Coronavirus, we offers extra benefits for better protection, standing with you to fight against the epidemic. 

From 29 December 2019 till 31 October 2020, customers who successfully apply for the specified critical illness insurance plans (“Applicable Plans”) can enjoy Extra Benefits for Novel Coronavirus Disease ("the Extra Benefits")1 for free on top of the original coverage of the Applicable Plans. The Extra Benefits will be effective immediately1 with waiting period waived2.

Applicable Plans
 iProtect 10 Years Insurance PlanSmartGuard Critical Illness Plan
BestCare Pro Critical Illness Plan
Eligible Insured
The Insureds of the Applicable Plans of which the policy is issued between 29 December 2019 and 31 October 2020 (both days inclusive)
Designated Coverage Period
21 February 2020 - 31 October 2020 (both days inclusive)
Benefits Coverage
(per life per Insured) 3
  1. Diagnosis Benefit
    If the Insured is diagnosed as suffering from Novel Coronavirus Disease (COVID-19)4 by a registered doctor within the Designated Coverage Period, a lump sum payment of HKD10,000 will be payable.

  2. Intensive Care Unit Confinement Benefit 5,6
    If (i) the Insured is diagnosed as suffering from Novel Coronavirus Disease (COVID-19)4 by a registered  doctor within the Designated Coverage Period, and (ii) is admitted to the Intensive Care Unit5 of a Hospital6 due to the mentioned disease, Intensive Care Unit Confinement Benefit being 10% of the Initial Sum Insured of the Applicable Plan will be payable, subject to a maximum of HKD50,000.

  3. Death Benefit
    If (i) the Insured is diagnosed as suffering from Novel Coronavirus Disease (COVID-19)4 by a registered  doctor within the Designated Coverage Period, and (ii) the Insured passes away due to the mentioned disease , death benefit of an additional 50% of the Initial Sum Insured of the Applicable Plan will be payable, subject to a maximum of HKD250,000.

Waiting Period
Waiting period of the Extra Benefits is waived2
"Extra Benefits for Novel Coronavirus Disease" Leaflet
DownloadDownload (via Bank of China (Hong Kong) Limited)
Download (via Financial Consultants)
Plan Details
iProtect 10 Years Insurance PlanSmartGuard Critical Illness Plan
BestCare Pro Critical Illness Plan

Terms and Conditions:
1.    Extra Benefits for Novel Coronavirus Disease (“the Extra Benefits”) are underwritten and provided by BOC Life with no extra premium to the Applicable Plans, upon successful approval and issuance of policy of the Applicable Plans between 29 December 2019 and 31 October 2020 (both days inclusive). 
2.    Waiver of waiting period is only applicable to the Extra Benefits.
3.    Each Insured can only claim each benefit under the Extra Benefits once, even if the Insured is insured by more than one policy of the Applicable Plans or such other plan(s) issued by BOC Life. If a benefit under the Extra Benefits has been paid or become payable under any Applicable Plan, the Insured can no longer claim the same benefit under other Applicable Plans.
4.     “Novel Coronavirus Disease (COVID-19)” refers to the new strain of coronavirus disease currently named by the World Health Organization (WHO) as "COVID-19", which is announced by Hong Kong government or any other governments that quarantine is required for the confirmed case.
5.     “Intensive Care Unit” refers to a unit within a Hospital which is designated as an intensive care unit by the Hospital and operates on a 24-hour basis solely for the treatment of in-patients in critical conditions and is equipped for continuous monitoring of cardiopulmonary function of such patients.
6.    “Hospital” refers to a legally constituted establishment operating pursuant to the laws of the country / region in which it is based which:
i.    operates primarily for providing medical treatment and care of injury on an in-patient basis; 
ii.    has facilities for Diagnosis and major surgery; 
iii.    has 24-hour nursing services; and
iv.    has at least one (1) Physician in residence.
"Hospital" does not include a rest or convalescent home, or similar establishment or a place for alcoholics or drug addicts.