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Critical Illness 188 Whole Life Insurance Plan

Last checked

At a glance

Insurer
BOC Group Life Assurance Company Limited
Product category
Critical illness
  • 188 covered illnesses with multiple critical illness protection and continuous support benefits, subject to conditions.
Ask a licensed broker about this product

Decision sheet

4 of 14 known · 10 not published
What it pays and when

Recorded features: 188 covered illnesses with multiple critical illness protection and continuous support benefits, subject to conditions.Public source · Checked:

Benefit limits
not published
Premium and payment term
not published
How premiums can change
not published
Guaranteed / non-guaranteed
not published
Waiting periods
not published
Main exclusions
not published
Surrender / cancellation
not published
Cooling-off
not published
Riders
not published
Claims steps

Insurer claims guide · Critical illness

Critical illness — Steps: Prepare the benefit-specific form and evidence, submit through eService and check claim status.Public source · Checked:

Critical illness — Submission channels: eService, intermediary or post; in-person submission at BOC Life centres or Bank of China (Hong Kong) branches.Public source · Checked: Public source · Checked:

Critical illness — Required documents: Doctor’s condition-specific Part II, identity documents and the evidence listed under Critical Illness Claims.Public source · Checked:

Critical illness — Deadlines / notification: Within 90 days after diagnosis.Public source · Checked:

Policy servicing from abroad

Policy servicing from abroad: BOC Life directs overseas customers to eService for policy information or its customer hotline.Public source · Checked:

eService supports designated policy changes, including contact details and premium payment method.Public source · Checked:

Registration requires a valid recorded mobile number for identity validation. Availability of every change from every country is not confirmed.Public source · Checked:

Complaints and dispute routes

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked:

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked:

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked:

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked:

Covered conditions / definitions
not published

Known means some sourced information is available, not complete terms. Missing details are not evidence of no cover or no restriction.

Questions to ask before buying

Questions to ask before buying (11)

Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.

  1. What benefit limits apply?
  2. How much is the premium, and how long must I pay it?
  3. When and how can premiums change?
  4. What is the waiting period for illness claims?
  5. What exclusions apply?
  6. What are the cancellation terms and any surrender value or charges?
  7. Which riders are available, and what are their costs and terms?
  8. Which illnesses are covered, and how are they defined?
  9. Can you provide the key facts statement and policy provisions for this product?
  10. What is the cooling-off period, and how do I cancel during it?
  11. Which benefits and values are guaranteed, and which are not?
Belongs to

Belongs to

Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.

Matching goals and segments (by product type)

Insurers (8)
All published facts

All published facts

FieldRecorded information
Product category

Critical illness

Source 1
Recorded features

188 covered illnesses with multiple critical illness protection and continuous support benefits, subject to conditions.

Source 1
Names in other languages
English
Critical Illness 188 Whole Life Insurance Plan
繁體中文
危疾188終身保險計劃
简体中文
危疾188终身保险计划

Verified names follow insurer labels. Unconfirmed translations use English for navigation.

Sources & verification dates

Sources & verification dates

  1. Critical Illness 188 Whole Life Insurance Plan — official product page

    Source date: Not confirmed
    Checked:

  2. 危疾188終身保險計劃 — official product page

    Source date: Not confirmed
    Checked:

  3. 危疾188终身保险计划 — official product page

    Source date: Not confirmed
    Checked:

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