Premium Free “Annual Insurance Plan”

Credit Card Privileges
Share and Protect your Loved Ones

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Premium Free “Annual Insurance Plan” provides an array of protections that allow you to choose one according to your preferences, specifically designed to meet your particular needs. Simply select any of the following plans. What's more, you can also share the privilege by subscribing/transferring the plan(s) to your beloved.

You can just need to logon CCB (Asia) Online Banking or Mobile Banking
to complete the enrollment in few simple steps.

Now apply for the Premium Free “Annual Insurance Plan”1 during the first card membership year can also enjoy a first-year enrollment fee waiver. Apply Now!

Apply Now
Application Steps
Details of the
“Annual Insurance Plan” 1
 
Apply Annual Insurance Plan
Enquire enrollment and
claim status

Online Banking

 Steps：
1Login > Online Banking / Mobile Banking
2"Credit Cards" > "Insurance Plan" >"Apply Now"
3Select Credit Card > "Next"
4Fill in the information and submit
 Steps：
1Login Online Banking
2"Credit Cards" > "Insurance Plan" > "Enrollment Status of Insurance Plan"
3Select Credit Card > "Inquire"

Mobile Banking

 Steps：
1Login Mobile Banking
2"Credit Cards" > "Status & History"
3Select Credit Card > "Inquire"
Premium Free “Annual Insurance Plan” Enrollement Hotline: +852 3179 5533
(after selecting language press “4”)
Premium Free “Annual Insurance Plan”1,2,3 Enrollment Fee
(HK$)		 Transfer Service Fee
(HK$)		 Extra Subscription Administration Fee
(HK$)		 Spending Requirement4
"Annual Dental Insurance Plan"
Appointed Clinics		 150 N/A 550 Accumulated spending of a sum equals to or exceeding HK$12,000 during the Cardmembership year
or
Making transaction at least once per statement cycle
"Annual Dental Insurance Plan" Any Clinics 80 N/A 550
"Annual General Practice Outpatient Insurance Plan" Appointed Clinics 330 Free
(Transfer to up to
3 transferee(s))5		 N/A
"Annual General Practice Outpatient Insurance Plan" Any Clinics 80 Free
(Transfer to up to
3 transferee(s))5		 N/A
"Annual Medical Check-up Insurance Plan" Appointed Laboratories 270 40
(Transfer to
1 transferee only)6		 400 Accumulated spending of a sum equals to or exceeding HK$12,000 during the Cardmembership year
"Annual Medical Check-up Insurance Plan" Any Clinics / Laboratories 200 40
(Transfer to
1 transferee only)6		 400
Remarks:
  1. The "Annual Medical Check-up Insurance Plan"/ "Annual Dental Insurance Plan" / "Annual General Practice Outpatient Insurance Plan" (collectively referred to as the "Medical Plans") are group medical insurance contracts underwritten by AIA International Limited (incorporated in Bermuda with limited liability) ("AIA") and issued to China Construction Bank (Asia) Corporation Limited (the "Bank"). If Bank’s eligible credit cardmembers (“Cardmembers”) successfully register their card and meet the relevant spending requirements could become the insured person and enjoy the benefits of one of the Medical Plans. Regarding the Medical Plans, the Bank is neither an insurance agent of AIA nor Cardmembers’ insurance broker. There is also no contract of insurance between Cardmembers and AIA.
  2. Cardmembers can only select to enroll a plan among Annual Dental Insurance Plan, Annual General Practice Outpatient Insurance Plan, Annual Medical Check-up Insurance Plan. Please click here to read the Important Notes.
  3. eye Credit Card and Construction Industry UnionPay Dual Currency Credit Card are applicable for participating in “Annual Dental Insurance Plan” only. UnionPay Dual Currency Credit Card, UnionPay Diamond Prestige Credit Card, Octopus Auto Living UnionPay Diamond Credit Card, GBA Virtual UnionPay Credit Card, Octopus UnionPay Dual Currency Credit Card, Pui Ching UnionPay Dual Currency Credit Card and Visa Infinite Credit Card are not applicable for participating in the entire “Annual Insurance Plan.
  4. If a Cardmember has, redeemed the service but cannot comply with the above requirements, an administration fee of HK$500 will be charged to the Cardmember's Card Account by China Construction Bank (Asia) Corporation Limited (the "Bank") at the end of the Cardmember's Card membership year or upon termination of the Cardmember's Credit Card (whichever is earlier).
  5. Cardmembers participating in "Annual General Practice Outpatient Insurance Plan" are entitled to 3 general practice consultations per cardmembership year, which they may transfer each consultations to up to 3 transferees respectively.
  6. Cardmembers participating in "Annual Medical Check-up Insurance Plan" are entitled to 1 medical check-up per cardmembership year, which they may transfer the check-up to 1 transferee only.
  7. If a Cardmember wish to make any changes on the existing Annual Insurance Plan, please click here to download the form, complete and submit the form to the Bank.

Annual Dental Insurance

Annual General Practice
Outpatient Insurance Plan

Annual Medical Check-up
Insurance Plan
Annual Dental Insurance

Appointed Clinics

Provide excellent and reliable dental treatments and services
The Clinics are comfortable, clean and well-equipped. The dentists and nurses are professional and experienced
Coverage (Available within the effective cardmembership year)
  1. Scaling and polishing (one time)
  2. Simple extractions due to decay*
  3. Amalgam (silver) fillings for posterior teeth due to decay#
  4. Composite (white) fillings for anterior teeth due to decay#
  5. Dental examinations, intra-oral x-rays (when necessary)
  6. Emergency consultations within office hours
  7. Incisions and drainage of dental abscess
  8. Dressings and drugs therapy for 3 days for relief of pain and infection

Any Clinics

Customers can choose any dental services at any clinics
Coverage (Available within the effective cardmembership year)
  1. 3 consultations and maximum of 1 per day
  2. Subject to an overall limit of HK$150 reimbursement for all consultations and 50% of fees charged or HK$50 per consultation (whichever is lower)
*Excluding surgical extractions, embedded retained roots and wisdom teeth
#Excluding filling due to other causes including but not limited to abrasion, erosion, attrition, cosmetic, trauma
Annual General Practice Outpatient Insurance Plan

Appointed Clinics

Provide 3 General Outpatient consultations with basic medication
Coverage (Available within the effective cardmembership year)
  1. Up to 3 General Practice Outpatient consultations plus office-dispensed basic medication which are medically necessary

Any Clinics

Customers can choose any clinics for any outpatient services
Coverage (Available within the effective cardmembership year)
  1. 3 consultations and maximum of 1 per day
  2. Subject to an overall limit of HK$150 reimbursement for all consultations and 50% of fees charged or HK$50 per consultation (whichever is lower)
Annual Medical Check-up Insurance Plan

Appointed Laboratories

Provide 1 medical check-up with test report
Coverage (Available within the effective cardmembership year)
  1. 1 medical check-up with test report including :
    1. Blood Examination (Complete Blood Count)
    2. Diabetes Screening (Glucose)
    3. Renal Function (Creatinine and Urinalysis)
    4. Coronary Risk Screening (Cholesterol)
    5. Liver Function (SGPT)

Any Clinics / Laboratories

Customers can choose any clinic/laboratory to enjoy medical check-up services
Coverage (Available within the effective cardmembership year)
  1. 1 medical check-up including :
    1. Blood Examination (Complete Blood Count)
    2. Diabetes Screening (Glucose)
    3. Renal Function (Creatinine and Urinalysis)
Up to 100% reimbursement not exceeding HK$200
Spending tips of Premium Free “Annual Insurance Plan” 1

Accumulate a total spending of HK$12,000 (includes retail purchases and cash advances) or spend once in each statement cycle* with your credit card during the cardmembership year.

You can enroll Octopus AAVS service or paying your monthly bill with your Credit Card (e.g. mobile phone bill) to meet the requirement and earn credit card bonus points at the same time!
*The method of "spending once in each statement cycle" is not applicable to fulfill the spending requirement of the Annual Medical Check-up Insurance Plan.
To borrow or not to borrow? Borrow only if you can repay!