• Coverage Summary
• Premium
• Major Exclusion
• Important Note

 

China Accidental Emergency Medical Insurance

Coverage Summary

Section	Scope of Benefits				Limit of Benefits (HKD)
Section 1	Emergency Medical Expenses
	1	Emergency Medical Expenses			300,000.00
	1	Follow Up Treatment Expenses within 60 days after discharging from hospital (Including Physiotherapy or Chiropractic Treatment Expenses and Chinese Herbalists or Bonesetters Expenses with sub-limits as stated below)			30,000.00
		i.	Physiotherapy or Chiropractic Treatment Expenses		3,000.00
			(Limit $300 per Day)
		ii.	Chinese Herbalists and Bonesetters Expenses		2,000.00
			(Limit $200 per Day)
Section 2	Emergency Assistance Services
	2	Medical Evacuation			Unlimited
	2	Repatriation to Hong Kong after Treatment			Unlimited
	2	Repatriation of Mortal Remains/Ashes to Hong Kong			Unlimited
	2	Compassionate Visit In the event of the Insured suffering from serious Accidental Bodily Injury resulting in hospital confinement for more than 7 (seven) consecutive days			i.	Two Round Trip Ticket (On Economy Fare Basis)
					ii.	Cost of Accommodation [HKD 1,500 per day for a maximum period of 7 consecutive days]
	3	Return of Unattended Dependent Child(ren) to HK (Age below 16)			A Return Ticket. Air Ticket at Economy Fare or High Speed Rail at Second Class
	3	Hospital Admission Guarantee Deposit			65,000.00
Section 3	Personal Accident (Accidental Death or Total Paralysis)				500,000.00
Annual Overall Limit					500,000.00
Geographical Area: Guangdong Province of PRC & Macau SAR of PRC but excluding Hong Kong SAR of PRC & Taiwan Area of PRC

 

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Premium

Period of Cover	Premium (HKD)
1 Year	365
2 Years	675
2 Years	883

Remarks:

• Proposer must be 18 years old or above resident of Hong Kong SAR of PRC.
• 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

Major Exclusion

War, civil war, mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power, martial law, terrorist attack, nuclear fission, radioactive contamination, 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 etc.

Note: The above information is for reference only. For details, please refer to original policy terms and conditions.

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Important Note

• Insured person must be aged between 18 and 64 (renewable up to age 80).

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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.