iRefund Hospital Cash Insurance Plan (Apply via mobile banking)
Last checked
At a glance
- Insurer
- BOC Group Life Assurance Company Limited
- Product category
- Other
- Ten years of hospital cash protection; 101% of total premiums refunded at maturity even after claims, subject to conditions.
Decision sheet
3 of 13 known · 10 not published
- What it pays and when
Benefit term: 10 yearsPublic source · Checked:
Recorded features: Ten years of hospital cash protection; 101% of total premiums refunded at maturity even after claims, 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
- not published
- 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 (11)
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?
- When and how can premiums change?
- 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?
- What are the claim steps, documents and deadlines?
- 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.
Comparison groups
Comparison groups
All published facts
All published facts
| Field | Recorded information |
|---|---|
| Product category | Other |
| Benefit term | 10 years |
| Recorded features | Ten years of hospital cash protection; 101% of total premiums refunded at maturity even after claims, subject to conditions. |
Names in other languages
- English
- iRefund Hospital Cash Insurance Plan (Apply via mobile banking)
- 繁體中文
- 網上全數保費回贈住院現金保險計劃(手機銀行投保)
- 简体中文
- 网上全数保费回赠住院现金保险计划(手机银行投保)
Verified names follow insurer labels. Unconfirmed translations use English for navigation.
Sources & verification dates
Sources & verification dates
- iRefund Hospital Cash Insurance Plan (Apply via mobile banking) — official product page
Source date: Not confirmed
Checked: - 網上全數保費回贈住院現金保險計劃(手機銀行投保) — official product page
Source date: Not confirmed
Checked: - 网上全数保费回赠住院现金保险计划(手机银行投保) — official product page
Source date: Not confirmed
Checked: