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    China Accidental Emergency Medical Insurance


    Coverage Summary


    Coverage Summary

    Plan Type

    Short-term Plan

    Annual Plan

    14,30,60 and 90 Days

    Plan A

    Plan B

    Territorial Limit

    Whole China
    (excluding Hong Kong SAR and Macau SAR)

    Whole China
    (excluding Hong Kong
    SAR and Macau SAR)

    Guangdong Province Only

    Authorized Hospital Network

    The Ministry of Health P.R. China

    Emergency Medical Expenses

    Maximum HK$200,000
    per event

    Maximum HK$300,000
    per event

    Maximum HK$300,000
    per event

    Follow Up Treatment Expenses within
    60 days (for short-term policy up to max 30 days) after discharging from hospital including

    HK$ 3,000

    HK$ 15,000
    (Max. Limit)

    HK$ 15,000
    (Max. Limit)

    a. Physiotherapy or Chiropractic Treatment Expenses

    HK$ 1,000
    (HK$ 250 per Day)

    HK$2,500
    (HK$ 250 per Day)

    HK$2,500
    (HK$ 250 per Day)

    b. Chinese Herbalists or Bonesetters Expenses

    HK$ 900
    (HK$ 150 per Day)

    HK$1,500
    (HK$ 150 per Day)

    HK$1,500
    (HK$ 150 per Day)

    Emergency Medical Evacuation

    HK$50,000

    Unlimited

    Unlimited

    Emergency Repatriation to
    Hong Kong after Treatment

    Repatriation of Mortal Remains/Ashes
    to Hong Kong

     Unlimited

    Compassionated Visit
    (In the event of the Insured suffering from serious Accidental Bodily Injury resulting in hospital confinement in China for more than 7 consecutive days)

    ·         A round trip ticket
    (on economy class fare basis)

    ·         Accommodation costs
    (HK$1,200 per day, maximum period of 5 consecutive days)

    ·         Two round trip ticket
    (on economy class fare basis)

    ·         Accommodation costs
    (HK$1,500 per day, maximum period of 7 consecutive days)

    ·         Two round trip ticket
    (on economy class fare basis)

    ·         Accommodation costs
    (HK$1,500 per day, maximum period of 7 consecutive days)

    Return of Unattended
    Dependent Child(ren) to
    Hong Kong (Age below 16)

    A return ticket (on economy fare basis)

    Hospital Admission
    Guarantee Deposit

    HK$50,000

    HK$65,000

    HK$65,000

    Personal Accident
    (Accidental Death or Total Paralysis)

    Maximum HK$50,000

    Maximum HK$300,000

    Maximum HK$300,000

     

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    Premium


    Premium Table (HK$)

    Days

    Short-term Plan

    Annual Plan

    Years

    Plan A

    Plan B

    14 days

    HK$78

    1 year

    HK$600

    HK$350

    30 days

    HK$138

    2 years

    HK$1,000

    HK$580

    60 days

    HK$168

    3 years

    HK$1,400

    HK$800

    90 days

    HK$208

     

     

     

    Remarks:

    • Insured must be between 16 and 75 years of age.
    • Unlimited times of journey within the policy year.
    • Subject to Terrorism Exclusion.

    Insurance Authority Premium Levy

    Pursuant to the Insurance (Levy) Order and Insurance (Levy) Regulation, Insurance Companies will collect IA Premium Levy on insurance premiums from your insurance policies effecting from 1-Jan-2020 onwards. This is the legal obligation of policyholders to pay a levy when premium is paid. The levy will be collected by Insurance Companies and then remit to Insurance Authority as required by the law.


    Details of levy can be referred to table below. For further information, please visit Insurance Authority Official Web https://www.ia.org.hk/.

    Policy Inception Date and/or Annual Anniversary Date Applicable Levy Rate Cap Per General Insurance Policy Per Policy Year (HK$)
    From 1 Apr 2019 till 31 March 2020
    (both dates inclusive)
    0.06% 3,000
    From 1 Apr 2020 till 31 March 2021
    (both dates inclusive)
    0.085% 4,250
    From 1 Apr 2021 onwards
    (date inclusive)
    0.10% 5,000

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    Additional Benefit

    • You can enjoy free membership of airline clubs and enjoy special hotel room rates on room bookings services.

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    Major Exclusion

    • Illness, infectious disease or by medical or surgical treatment (other than treatment required on account of an accident covered by this policy), hunting, mountaineering necessitating ropes or guides, skating, water skiing, winter sports, diving, racing of any kind or fighting or insanity or being under influence of drugs, alcohol, intoxication, solvent abuse and so on.

    Note: The above information is for reference only. Please refer to the full wording of the policy provisions for detailed terms & conditions and exclusions.

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    Important Note

    • Insured must be between 16 and 75 years of age.

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    Governing Law of Policy: Hong Kong Special Administrative Law

    For enquiries, please contact our outlets or call up our customer service hotline.

    Note: The above information is supplied by China BOCOM Insurance Co., Ltd. and is for reference only. Please refer to the full wording of the policy provisions published by China BOCOM Insurance Co., Ltd. for detailed terms & conditions and exclusions.

    The insurance plan is underwritten by China BOCOM Insurance Co., Ltd. which is authorized by the Insurance Authority to provide general insurance business. Bank of Communications (Hong Kong) Limited is an appointed insurance agent of China BOCOM Insurance Co., Ltd.

     

    Important Notice:
    The insurance plan is a product of China BOCOM Insurance Co., Ltd. but not Bank of Communications (Hong Kong) Limited (the “Bank”). 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 the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved between directly China BOCOM Insurance Co., Ltd. and the customer.

    Contact Us

    Customer Service Hotline: 223 95559

    Please visit any of our outlets