iProtect 10 Years Insurance Plan (Apply via mobile banking)
Last checked
At a glance
- Insurer
- BOC Group Life Assurance Company Limited
- Product category
- Term life
- Life protection with optional critical illness cover; guaranteed level premiums for ten years.
Decision sheet
6 of 13 known · 7 not published
- What it pays and when
Recorded features: Life protection with optional critical illness cover; guaranteed level premiums for ten years.Public source · Checked:
- Benefit limits
- not published
- Premium and payment term
- not published
- How premiums can change
Premiums are guaranteed unchanged for ten years.Public source · Checked:
- Guaranteed / non-guaranteed
Life protection with optional critical illness cover; guaranteed level premiums for ten years.Public source · Checked:
- Waiting periods
- not published
- Main exclusions
- not published
- Surrender / cancellation
- not published
- Cooling-off
- not published
- Riders
- not published
- Claims steps
Insurer claims guide · Life / death
Life / death — Steps: Claimant completes Part I and obtains doctor’s Part II (waived for guaranteed-issue policies); submit documents.Public source · Checked:
Life / death — Required documents: Original death certificate and insured / beneficiary ID, relationship proof and applicable tax-residency certification.Public source · Checked:
Life / death — Submission channels: Customer service centre, Bank of China (Hong Kong) branch or post; originals may require in-person verification.Public source · Checked:
Life / death — Payment methods: FPS is expressly unavailable for death claims; see insurer instructions for autopay / cheque and the correct payee.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:
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 (9)
Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.
- What benefit limits apply?
- How much is the premium, and how long must I pay it?
- What waiting periods apply?
- What exclusions apply?
- What are the cancellation terms and any surrender value or charges?
- Which riders are available, and what are their costs and terms?
- Can you provide the key facts statement and policy provisions for this product?
- What is the cooling-off period, and how do I cancel during it?
- 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)
All published facts
All published facts
| Field | Recorded information |
|---|---|
| Product category | Term life |
| Recorded features | Life protection with optional critical illness cover; guaranteed level premiums for ten years. |
Names in other languages
- English
- iProtect 10 Years Insurance Plan (Apply via mobile banking)
- 繁體中文
- 守護十年網上保險計劃（手機銀行投保）
- 简体中文
- 守护十年网上保险计划（手机银行投保）
Verified names follow insurer labels. Unconfirmed translations use English for navigation.
Sources & verification dates
Sources & verification dates
- iProtect 10 Years Insurance Plan (Apply via mobile banking) — official product page
Source date: Not confirmed
Checked: - 守護十年網上保險計劃（手機銀行投保） — official product page
Source date: Not confirmed
Checked: - 守护十年网上保险计划（手机银行投保） — official product page
Source date: Not confirmed
Checked: