(Plan Certification number: F00057-01-000-02 for Deductible HKD0 / F00057-02-000-02 for Deductible HKD10,000 / F00057-03-000-02 for Deductible HKD30,000 / F00057-04-000-02 for Deductible HKD70,000 / VHIS Provider Registration Number: 00022 / Registration Effective Date: 6 March 2019)
Critical Illness 188 Whole Life Insurance Plan^
- Provides coverage on 188 types of illnesses
- Multiple critical illness protection and continuous support benefit
- Enhanced coverage for benign condition
- Waiver of premium upon death of insured’s spouse or parent
- Terminal dividend(non-guaranteed)* raises potential returns
SmartGuard Critical Illness Plan^
- Comprehensive critical illness coverage with over 100 types of illnesses
- Multiple coverage for cancer, stroke and heart attack
- Life protection to safeguard your beloved
- Up to 50% extra protection coverage for the first 10 years
- Terminal dividend (non-guaranteed)* to build your wealth
SmartViva Flexi VHIS#
- Worldwide protection (any area excluding the U.S.) with lifetime guaranteed renewal and no lifetime benefit limit
- Comprehensive medical protection
- Flexible deductible options to fit budget
Important Note:
(Applicable to Critical Illness 188 Whole Life Insurance Plan and SmartGuard Critical Illness Plan)
^ You have an option to purchase the Plan as a standalone critical illness insurance plan instead of bundling with other type(s) of insurance product.
The product information does not contain the full terms of the policy and the full terms can be found in the policy documents.
(Applicable to Critical Illness 188 Whole Life Insurance Plan)
*The Plan is a participating policy. Nevertheless, Terminal Dividend (if any) is not guaranteed and may even be zero, and may be changed from time to time. Terminal Dividend (if any) may be payable in any of the following situations: upon the death of the Insured; or the Policy Owner’s surrender of the policy; or upon BOC Life’s payment of the Major Illness Benefit. For details, please refer to the illustration summaries of the proposal and contact our technical representative.
(Applicable to SmartGuard Critical Illness Plan)
*The Plan is a participating policy. Nevertheless, Terminal Dividend (if any) is not guaranteed and may even be zero, and may be changed from time to time. Terminal Dividend (if any) may be payable in any of the following situations which happen on or after the 3rd Policy Anniversary: upon the death of the Insured or surrender of the policy or upon BOC Life’s payment of the Major Illness Benefit or upon BOC Life’s payment of Maturity Benefit (if any). For details, please refer to the illustration summaries of the proposal and contact our technical representative.
(Applicable to SmartViva Flexi VHIS)
#You have an option to purchase the Plan as a standalone certified plan under the VHIS without bundling with other type(s) of insurance product.
The product information does not contain the full terms of the policy and the full terms can be found in the policy documents.
Life insurance products are underwritten by BOC Group Life Assurance Company Limited (“BOC Life”), Orix Asia Insurance Services is an insurance agency of BOC Life. The product information provided above is for reference only, please refer to the policy for the coverage and coverage terms.
Important Note:
(Applicable to Critical Illness 188 Whole Life Insurance Plan and SmartGuard Critical Illness Plan)
^ You have an option to purchase the Plan as a standalone critical illness insurance plan instead of bundling with other type(s) of insurance product.
The product information does not contain the full terms of the policy and the full terms can be found in the policy documents.
(Applicable to Critical Illness 188 Whole Life Insurance Plan)
*The Plan is a participating policy. Nevertheless, Terminal Dividend (if any) is not guaranteed and may even be zero, and may be changed from time to time. Terminal Dividend (if any) may be payable in any of the following situations: upon the death of the Insured; or the Policy Owner’s surrender of the policy; or upon BOC Life’s payment of the Major Illness Benefit. For details, please refer to the illustration summaries of the proposal and contact our technical representative.
(Applicable to SmartGuard Critical Illness Plan)
*The Plan is a participating policy. Nevertheless, Terminal Dividend (if any) is not guaranteed and may even be zero, and may be changed from time to time. Terminal Dividend (if any) may be payable in any of the following situations which happen on or after the 3rd Policy Anniversary: upon the death of the Insured or surrender of the policy or upon BOC Life’s payment of the Major Illness Benefit or upon BOC Life’s payment of Maturity Benefit (if any). For details, please refer to the illustration summaries of the proposal and contact our technical representative.
(Applicable to SmartViva Flexi VHIS)
#You have an option to purchase the Plan as a standalone certified plan under the VHIS without bundling with other type(s) of insurance product.
The product information does not contain the full terms of the policy and the full terms can be found in the policy documents.
Life insurance products are underwritten by BOC Group Life Assurance Company Limited (“BOC Life”), Orix Asia Insurance Services is an insurance agency of BOC Life. The product information provided above is for reference only, please refer to the policy for the coverage and coverage terms.
- Orix Asia Insurance Services Limited, being registered with the Insurance Authority as a licensed insurance agency (Insurance Agency Licence Number: FA3401), acts as an appointed licensed insurance agent of BOC Group Life Assurance Company Limited, MSIG Insurance (Hong Kong) Limited, Sompo Insurance (Hong Kong) Company Limited and China Ping An Insurance (Hong Kong) Company Limited (“Insurance Companies”).
- Orix Asia Insurance Services Limited’s role is limited to distributing insurance products of the Insurance Company only and Orix Asia Insurance Services Limited shall not be responsible for any matters in relation to the provision of the products.
- Insurance products are products and obligations of the Insurance Companies and not of Orix Asia Insurance Services Limited. Insurance products are not deposits or obligations of, or guaranteed or insured by Orix Asia Insurance Services Limited, or any of its affiliates.
- 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 you and Orix Asia Insurance Services Limited out of the selling process of any insurance product conducted by Orix Asia Insurance Services Limited as agent of Insurance Companies or the processing of the related transaction, you may enter into a financial dispute resolution scheme process with Orix Asia Insurance Services Limited in accordance with the applicable rules in Hong Kong. However, any dispute over the contractual terms of insurance products should be resolved directly between you and the Insurance Companies.
- All insurance applications are subject to Insurance Companies’ underwriting and acceptance.
- The Insurance Companies are solely responsible for all approvals, coverage, compensations, and account maintenance in connection with its insurance products.
- Orix Asia Insurance Services Limited will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances.
- You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
- For any policy service enquiries, please contact the relevant licensed technical representative or the Insurance Companies.
- This webpage is intended to be valid in Hong Kong only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. Orix Asia Insurance Limited and the Insurance Companies do not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions. This webpage does not constitute a contract of insurance or an offer, invitation, or recommendation to any person to enter any contract of insurance or any transaction described therein or any similar transaction.
- The material and information contained on this webpage should be read in conjunction with the relevant product brochure and for the risk disclosure, please refer to the product brochure.
- From January 1, 2018, the Insurance Authority (IA) will start collecting a premium levy from policy holders of all new or in-force life insurance policies and general insurance policies. For further information, please visit www.ia.org.hk