Emergency medical treatment services provided by the networked hospitals are always stand-by when you are traveling in Mainland China for business, journey or any purpose.
China Accidental Emergency Medical Insurance
When you are traveling in Mainland China for the business purpose or leisure journey, you may suffer from the delay of medical treatment if you have insufficient deposit payment in case of accident. China Accidental Emergency Medical Insurance provides you the emergency medical treatment protection, so that you can enjoy a worry-free business trip or holiday in Mainland China.
Features
- In case of accident, simply follows the steps under the medical card to approach the MOH International Assistance Network Hospitals & PLACs Hospital Network for emergency medical treatment, no deposit payment is required.
- Nil excess and entitle benefit under personal accident section.
- 24-hour Emergency Assistance Service in Hong Kong and Mainland China are provided.
- Available to holders of Hong Kong ID Card, Macau ID Card, Permit for Taiwan Compatriot or an overseas passport.
- Unlimited times of journey within the policy year and no restriction on duration of stay.
Other Information
Underwritten By
China BOCOM Insurance Co., Ltd.
Please visit the website of China BOCOM Insurance Co., Ltd. (www.cbic.hk) for more information about the China BOCOM Insurance Co., Ltd. or download the form which is applicable to this insurance plan.
Important Notice:
The insurance plan is a product of China BOCOM Insurance Co., Ltd. but not Bank of Communications Co., Ltd. Hong Kong Branch (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.
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$300,000
|
Back to the top
Premium
|
Premium Table (HK$)
|
|
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 |
Back to the top
Additional Benefit
-
You can enjoy free membership of airline clubs and enjoy special hotel room rates on room bookings services.
Back to the top
Major Exclusive
-
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.
Back to the top
Important Note
-
Insured must be between 16 and 75 years of age.
Governing Law of Policy: Hong Kong Special Administrative Law
Important Notice:
The insurance plan is a product of China BOCOM Insurance Co., Ltd. but not Bank of Communications Co., Ltd. Hong Kong Branch (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.
Offshore Financing with Guarantee from PRC
Offshore Guarantee for Financing in PRC
