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Medical Insurance |  |
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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.
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Balance Refundable Hospital Income Plan
Whether you have made any policy claim or not, you are guaranteed to get back 100% of your Total Annual Premium Paid at the end of the policy term. -
Embrace Medical Plan
Guaranteed whole life renewable. Whether there is any change in health conditions or any previous insurance claim, all successfully applied insurance plans are guaranteed renewable until the age of 100.
Balance Refundable Hospital Income Plan
Features
- 10 Years protection. Four options of Daily Hospital Cash Benefit: HK$300 / HK$ 600 / HK$ 1,000 / HK$ 1,500.
(Daily Hospital Cash Benefit will be payable for a maximum of 365 days for each Disability and a maximum cumulative of 1,000 days for the duration of the Policy. If confinement occurs outsides of selected area (Definition of selected area is subject to the Policy Provision), the said benefit shall be reduced by 50% and a maximum of 90 days of the said benefit will be payable for each Disability.) -
During the protection period, whether you have made any policy claim or not, you are guaranteed to get back 100% of your Total Annual Premium Paid at the end of the policy term.
(Total Annual Premium Paid will be calculated in terms of yearly premium (i.e. the calculation will be the premium with yearly payment frequency divided by 12, multiplied by the corresponding number of months that the premium has been paid) and excludes any loadings. -
Double the amount of Daily Hospital Cash Benefit for confinement in Intensive Care Unit.
(Intensive Care Benefit will be payable for a maximum of 90 days for each Disability. If confinement occurs outside of selected areas (Definition of selected area is subject to the Policy Provision), the said benefit shall be reduced by 50%. -
With life insurance protection. In the event of death, the beneficiary will receive 150% of Total Annual Premium Paid. If it is due to accidental death, an extra 50% of Total Annual Premium Paid will be granted as a comforting benefit.
Embrace Medical Plan
Features
- Guaranteed whole life renewable. Whether there is any change in health conditions or any previous insurance claim, all successfully applied insurance plans are guaranteed renewable until the age of 100.
(Insurance company reserves the right to revise, modify or adjust the benefits payable under the Policy and/ or the premium rates at each Policy anniversary.) -
Four insurance choices for you : Economy, Standard, Superior and Premier protection plans.
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The plan covers Radiotherapy and Chemotherapy for Cancer Benefit and Kidney Dialysis Benefit.
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The plan specially offers Healthy Lifestyle Reward, if you qualify under the designated Wellness Benefit condition*, a 5% discount on the first year's premium will be provided; in the case that there are no claims for two consecutive years, the following year's premium is eligible for a 10% discount.
(*The insured will enjoy a 5% discount on the first year premium if all of the following requirements are fulfilled:
i) Non-smoker;
ii) No prior drug-abuse records;
iii) Life and medical insurance policies with all insurance companies are no standard premium rate with no additional loadings or exclusions, and
iv) Not more than one death of parents or siblings before age 55 due to the disease listed in the application form.
ING Life reserves the final decision in amending the above requirements and granting the premium discount.) -
With death and accidental death benefit.
For enquiries, please visit any of our branch and sub-branches or call our customer service hotline.
Note:
- All policy dividends, the interest rate of accumulated dividend and maturity dividend are non-guaranteed.
- "Balance Refundable Hospital Income Plan" and "Embrace Medical Plan" are underwritten by ING Life Insurance Company (Bermuda) Limited. Bank of Communications Co., Ltd. Hong Kong Branch is an appointed insurance agent of ING Life Insurance Company (Bermuda) Limited.
- The above information is for reference only. For the detailed terms & conditions and exclusions, please refer to the full wording of the policy provisions of the related insurance plan.
- The age of insured mentioned in "Balance Refundable Hospital Income Plan" and "Embrace Medical Plan" refers to the age of the insured at the next birthday.
