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Medical Insurance truly protects your health and lets you enjoy your life without worry

Bank of Communications introduces you with the most suitable, comprehensive medical insurance and hospital cash insurance. The said insurance also provides the life protection as well to give you more comprehensive coverage.

 



    TheOne Medical Solution and TheOne Medical Solution Rider (The life insurance plan is underwritten by FWD Life Insurance Company (Bermuda) Limited.)

    Features
    • The Plan provides 3 di¬fferent types of plans that cover 3 different geographic areas. Furthermore, 3 Annual Deductible5 options (HK$0, HK$40,000 and HK$80,000) could be chosen to tailor your most ideal life protection.
      The Plan offer First-dollar Coverage – Deductible Waived for Designated Critical Illness to ease your and your family’s financial stress due to related medical expenses (The amount of benefit is subject to applicable Annual
      Limit, Lifetime Limit and limits for specific benefit items). The Plan provides protection for your family as well as your health.
    • The guaranteed lifetime renewal privilege of the Plan takes away your concern over policy discontinuity due to old age and changes in health conditions.
    • The Plan enables you to switch to a lower Annual Deductible5 option once (per lifetime) when you turn 50, 55, 60 or 65 (Age Next Birthday) without the need to provide proof of insurability9, meeting any changing needs in the future for protection.
    • If you meet an accident or su¬ffer an illness whilst abroad, your needs will be well taken care of with our Worldwide Emergency Assistance.  

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    Health Guard Hospital Care Benefit Rider (Enhanced) Series (The life insurance plan is underwritten by China Life Insurance (Overseas) Company Limited.)  

    Features
    • The actual expense incurred during hospitalization, such as Daily Room and Board, Daily In-Hospital Doctor’s Visit, Surgical Fees, Anaesthetist's Fees, Operating Theatre Fees and Miscellaneous Hospital Expenses will be reimbursed, provide you with comprehensive protection.
    • You may choose among Ward, Ward (Premier), Semi-Private and Private that best suit your needs and budget.

    • Death Benefit according to the Schedules of Benefits will be paid to the Beneficiary of the Policy if the Insured’s death during the Hospital Confinement after treatment from Doctor.

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    For enquiries, please visit any of our outlets or call our customer services hotline.

     

    For more details about the products and services of FWD Life Insurance Company (Bermuda) Limited, please visit the official website of FWD Life Insurance Company (Bermuda) Limited (www.fwd.com.hk) or please click here and visit the "Product Service Area"*. *This link brings you to a third party website. The Bank assumes no liability or control for your use of these links.

     

    For more details about the products and services of China Life Insurance (Overseas) Company Limited, please visit the official website of China Life Insurance (Overseas) Company Limited (www.chinalife.com.hk).

     

    Note:

    1. " Health Guard Hospital Care Benefit Rider (Enhanced) Series " is underwritten by China Life Insurance (Overseas) Co. Ltd. China Life Insurance (Overseas) Co. Ltd is solely responsible for all features, policy approval, coverage and benefit payment under the Plan. Bank of Communications (Hong Kong) Limited is an appointed insurance agent of China Life Insurance (Overseas) Co. Ltd.
    2. " TheOne Medical Solution" and "TheOne Medical Solution Rider " is underwritten by FWD Life Insurance Company (Bermuda) Limited. FWD Life Insurance Company (Bermuda) Limited is solely responsible for all features, policy approval, coverage and benefit payment under the Plan. Bank of Communications (Hong Kong) Limited is an appointed insurance agent of FWD Life Insurance Company (Bermuda) Limited.
    3. The above information is for reference and indicates the key features of the insurance plan only. For the complete explanation of the terms and conditions and the exclusions of the insurance plan, please refer to the Policy Provisions. In the event of any discrepancy between the above information and the Policy Provisions, the Policy Provisions shall prevail.
    4. The above insurance plan is NOT equivalent to the saving deposit or time deposit of Bank of Communications (Hong Kong) Limited and is NOT protected deposit under the Deposit Protection Scheme in Hong Kong.
    5. The age of insured mentioned in2. " TheOne Medical Solution" and "TheOne Medical Solution Rider "refers to the age of the insured at the next birthday. 

    Important Notice:

    Applicable to the insurance plan which is underwritten by FWD Life Insurance Company (Bermuda) Limited (“FWD”)

    • The insurance plan is a product of FWD but not Bank of Communications (Hong Kong) Limited (the “Bank”). All benefits payable under the insurance plan are subject to the credit risk of FWD.
    • Part of the premium pays for the insurance and the related costs. If you discontinue and/or surrender your policy in the early policy years or before the end of the policy term, the amount you get back may be considerably less than the total premium you have paid.
    • 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 FWD and the customer.
    • FWD is authorized and regulated by Insurance Authority.
    • FWD reserves the right to accept or reject any Insurance Application.

    For details, please refer to Disclosure of Important Information to Life Insurance Customers.

     

    Applicable to the insurance plan which is underwritten by China Life Insurance (Overseas) Company Limited (“China Life (Overseas)”)

    • The insurance plan is a product of China Life (Overseas) but not Bank of Communications (Hong Kong) Limited (the “Bank”). All benefits payable under the insurance plan are subject to the credit risk of China Life (Overseas).
    • Part of the premium pays for the insurance and related costs. If you discontinues and /or surrender your policy in the early policy years or before the end of the policy term, the amount you get back may be considerably less than the total premium you have paid.
    • 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 Life (Overseas) and the customer.
    • China Life (Overseas) is authorized and regulated by Insurance Authority.
    • China Life (Overseas) reserves the right to accept or reject any Insurance Application.

    For details, please refer to Disclosure of Important Information to Life Insurance Customers.

    Contact Us

    Customer Service Hotline: 223 95559

    Please visit any of our outlets