• Coverage Summary
• Premium
• Additional Benefit
• Major Exclusion
• Important Note

 

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.