Employee Benefits Protection

Enrollment Guidelines

1. China Life (Overseas) Group insurance plans are applicable to companies and organizations registered in Hong Kong.
2. The enrolling company/organization can decide on details of the coverage or they can leave the design of benefit to us. Premiums will be calculated according to the plan benefits.
3. If the enrolling company/organization has enrolled in other group medical insurance plans in the previous 12 months, relevant claim records (or lost ratio) must be provided us to prepare the premium quotation.
4. Premium is assessed on a company basis. Individual claim expenses will not lead to premium adjustment for the individual employee.
5. Group Insurance plan is fully paid by the employer. All eligible employees must join the plan.

Eligibility

1. A minimum of 3 eligible employees.
2. The employee must have valid Hong Kong Identity Card or Work Permit.
3. Employees and their spouse of 16 – 65 years old can enroll in the plan. Their children of 15 days to 23 years old are also eligible. (Remark: Children between 19 – 23 years old must provide proof of student identity to be eligible.)

Enrollment Process

1. Application procedure is simple, companies only have to submit the following documents:
   1. Application form
   2. Copy of Business Registration Certificates
   3. Information of proposed Insured employees
   4. Medical claims record of the past 3 years (if any)
   5. Authorization letter or resolution of the board
2. Please submit the Health Declaration of proposed Insured employees for companies with less than 10 full time employees.
3. We will issue the insurance policy and payment advice accordingly.

The policy may immediate effective in one working day after passing “the Anti-Money Laundering and Counter Terrorist Financing” investigation, upon request by the company, after the application submission with all required documents.

Policy Renewal

1. Renewal is guaranteed. Nevertheless, our company reserves the right to adjust the premium at the time of policy anniversary.
2. One month prior to the policy anniversary, our company will issue and send to you the “renewal notice”, together with “Insurance Benefits Schedule”, “Employee Details” and “Employee Claims Payment Details”.
3. We will prepare and issue the policy once we have received your signed copy of the renewal notice.

Enrollment Inquire