Key Highlights
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Various Sports Cover
All leisure and non-professional sports such as hot-air ballooning, scuba diving to a depth of not greater than 30 meters below sea level, winter sports, water skiing, rafting, sailing, windsurfing, bungee jumping or horse riding activities are covered. However, trekking at an altitude limit greater than 5,000 metres above sea level or diving to a depth greater than 30 metres below sea level are excluded.
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Automatic 10 Days Extension of Cover
If after the commencement of the trip, the original scheduled itinerary has been unavoidably interrupted or delayed as a result of natural disaster, unanticipated outbreak of industrial action involving the arranged public conveyance, riot, civil commotion, act of terrorist, hijack, adverse weather conditions or the mechanical breakdown or derangement of the conveyance, the period of insurance cover will be automatically extended for a maximum period of 10 calendar days.
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Age Limit(up to 85)
Insurance coverage is applicable to HONG KONG RESIDENTS below the age of 85.
For Insured Persons who aged 65 or above and under the age of 16, Extra indemnity cover for accidental death on licensed public conveyance under Personal Accident section is not applicable and the Maximum Benefits of other Personal Accident and Medical Expenses cover are limited to 50% of the selected plan’s standard amount.
Comprehensive Cover
24 HOURS WORLDWIDE EMERGENCY ASSISTANCE SERVICES
Provides emergency evacuation, repatriation and other assistance during your trip, when necessary.
ACTS OF TERRORISM COVER
Cover for loss or damage arising from acts of terrorism (except for any acts of nuclear, chemical, biological terrorism)
CRUISE PLAN
Comprehensive benefits under Cruise Plan such as cruise cancellation, interruption and post-departure benefits.
Plans
The product offers four plan options. You can freely choose from the four plans we provide. Each plan offers different levels of coverage and premium options, with the aim of tailoring a Travel protection that is just right for you.
Maximum Benefit (HK$)
Diamond
Premium:
Gold
Premium:
Silver
Premium:
Cruise
Premium:
Death
1,000,000
500,000
250,000
1,000,000
Provided that death occurs within 12 months from the date of the accident
50% Extra indemnity for accidental death on licensed public conveyance
1,500,000
750,000
375,000
1,500,000
Not applicable to insured who aged 65 or above and below 16 – refer to Age Limit for more details
Permanent total disablement
1,000,000
500,000
250,000
1,000,000
Loss of more than one limb or loss of sight of both eyes
1,000,000
500,000
250,000
1,000,000
Loss of one limb or loss of sight of one eye
500,000
250,000
125,000
500,000
Loss of speech and hearing
1,000,000
500,000
250,000
1,000,000
Loss of speech
500,000
250,000
125,000
500,000
Loss of hearing
500,000
250,000
125,000
500,000
Burns Cover
300,000
200,000
100,000
300,000
Second Degree and Third Degree
I. Medical expenses incurred overseas due to illness or physical injury - including outpatient, medicine, room & board, surgery, doctors' fees and related expenses
1,000,000
500,000
250,000
1,000,000
II. Continued necessary medical treatment expenses. Within 90 days following the Insured Person's return to Hong Kong and such expenses are as a result of the continuation of medical treatment for physical injury or illness covered under this section
80,000
30,000
15,000
80,000
(including medical expenses from registered Chinese Medicine Practitioner)
5,000
3,000
2,000
5,000
III. Hospital Cash
10,000
5,000
2,000
10,000
HK$500 per day
Medical Attention Telephone Medical Advice, Evaluation and Referral Appointment
Referral Only
Medical Evacuation
Unlimited
Repatriation After Treatment
Unlimited
Repatriation of Mortal Remains / Ashes
Unlimited
Essential Medication/Medical Equipment
Service only and at Beneficiary's cost
Medical Monitoring
Service only
Travel Information
Enquiry only
Deposit Guaranteeing of Hospital Admission
Up to HK $20,000
Legal Referral
Referral only
Return of Unattended Dependent Child(ren) to Country of Residence
Included
Compassionate Visit
Included
We cover the Insured Person against legal liability to pay as compensation for any third party bodily injury or damage to any third party property during the trip
1,500,000
1,000,000
500,000
1,500,000
We pay for loss of irrecoverable prepaid deposit or payments for tour arrangements, airfare or other travel arrangements, upon cancellation of the Trip prior to its commencement, due to
30,000
25,000
15,000
30,000
I. Unexpected death, serious physical injury or serious illness of yourself, your immediate family member, your close business partner or travel companion who will be travelling with you
II. Compliance with a witness summons, jury service or compulsory quarantine of the insured person
III. Natural disaster, unanticipated outbreak of strike or industrial action involving the arranged public common carrier, riot or civil commotion, act of terrorist, within 7 days from the departure date
IV. Serious damage to your home in Hong Kong arising from fire, typhoon, burglary or flooding within 7 days from the departure date
V. Outbound Travel Black Alert issued by the Government of HKSAR for the planned destination provided that the Black Alert is not existence prior to the date booking the scheduled trip
Trip Curtailment - We pay for the loss of the unused portion of any irrecoverable prepaid tour fares or transport or accommodation charges or the additional travelling and accommodation expenses incurred to return to Hong Kong due to those reasons stated in I (including hijack of insured person), III (including adverse weather conditions), IV & V of Section 5 above after the Trip has begun
30,000
25,000
15,000
30,000
Trip Re-Routing - We pay for additional travel fare and accommodation expenses necessarily incurred for trip re-route after the trip has begun due to reasons stated in III (including adverse weather condition) & V of Section 5 above.
Inclusive
If the departure of the conveyance in which you have taken to travel has been delayed for at least 5 hours as a result of natural disaster, unanticipated outbreak of strike or industrial action involving the arranged public common carrier, riot or civil commotion, act of terrorist, hijack, adverse weather conditions or the mechanical breakdown or derangement of the public common carrier, we will pay HK$300 for each subsequent period of 5 hours of such delay
2,000
1,500
1,000
2,000
We reimburse the cost incurred for purchasing necessary personal clothing and other necessities if your baggage is delayed for more than 5 hours after your arrival at any of the outward destinations.
3,000
2,000
1,000
3,000
For loss of or damage to your baggage and/or personal belongings, we pay the insured person up to HK$3,000 per any one article, a set or collection of articles in respect of any one insured person. Excess : HK$250
20,000
15,000
10,000
2,000
whether clothing item, sport equipment or otherwise
Clothing items
5,000 in aggregate
Sports equipment
5,000 in aggregate
Portable telecommunication equipment / computer equipment
5,000 in aggregate
Loss of cash, cheques or traveller’s cheques due to, theft, robbery or burglary. Child of age below 12 has no cover. Excess : HK$250
3,000
2,000
1,000
3,000
Replacement cost of travel documents which are lost due to theft, robbery, burglary, or accidental loss, and reasonable additional travelling and accommodation expenses incurred due to such replacement at the nearest location
5,000
3,000
2,000
5,000
Replacement or repair cost against physical loss of or damage to the Home Contents within Insured Person’s principal home in Hong Kong caused by burglary accompanied by forcible and violent entry to or exit from the premises, while such premises are vacated during the Trip
7,500
5,000
2,000
7,500
If the insured person hires a rental vehicle during the journey and has a car accident, parking damage or theft, the vehicle insurance excess or deductible will be payable
5,000
3,000
1,500
5,000
If the trip to the designated port of departure by public common carrier is delayed for at least 8 consecutive hours due to natural disaster, unanticipated outbreak of strike or industrial action involving the arranged public common carrier, riot or civil commotion, act of terrorist, hijack or mechanical breakdown of the arranged public common carrier during the journey, and the insured person failed to board the cruise ship as a direct result, the insured person will be reimbursed:
N/A
N/A
N/A
50,000
Cruise Cancellation: Irrecoverable and forfeited deposits or any payment made in advance for the cruise tour; or
Cruise Interruption: Reasonable and inevitable additional travelling expenses for travelling from the port of departure to the next scheduled port of call to catch up with the cruise tour.
Shore Excursion Cancellation - Irrecoverable and forfeited deposits or any payment made in advance for shore excursion tour will be reimbursed in the event of:
N/A
N/A
N/A
10,000
* Serious physical injury or serious illness suffered by the insured person or his/her travel companion; or
* Natural disaster, infectious disease, unanticipated outbreak of strike or industrial action, riot or civil commotion act of terrorist at the scheduled destination of the shore excursion
Satellite Phone Expenses - If the insured person must return directly to Hong Kong following serious physical injury or serious illness of the insured person or his/her travel companion during the journey which prevents the insured person from continuing the journey, the insured person will be reimbursed the reasonable satellite phone call expenses incurred on board a cruise ship
N/A
N/A
N/A
3,000
Maximum 90 days per single trip. The journey must commence from Hong Kong.
MAJOR EXCLUSIONS
- General exclusions:
War, acts of nuclear, chemical, biological terrorism, suicide, self-inflicted injury, alcohol or drug abuse, illegal acts and professional sports, trekking at an altitude limit greater than 5,000 metres above sea level or diving to a depth greater than 30 metres below sea level.
- Medical treatment
In Hong Kong and non-essential treatment, surgery or hospitalization or pre-existing medical conditions, and any travel contrary to the advice of a medical practitioner or for the purpose of necessary medical or surgical treatment.
- Cancellations：
due to financial circumstances, disinclination to travel or medical conditions existing on the date of issue of insurance.
due to any medical or physical conditions or other circumstances affecting the Insured Person, the Insured Person’s Immediate Family Member, Close Business Partner or Travel Companion which exist on the date of issuance of this Policy.
- Travel delays：
due to the cause or condition which exists or has been announced at the date of issuance of this Policy.
- Baggage：
with normal wear and tear, confiscation by customs and damage to fragile articles.
- Liability：
for employers' liability, contractual liability or liability to a member of an Insured Person's family. Liability arising from wilful malicious or unlawful acts of the Insured Person. Damage to property owned by or held in trust, or in the custody of a member of his/her family, ownership, procession use or control of vehicles, aircraft or water craft, etc are excluded.
- Losses of personal belongings：
which are not reported to the police or notified to the relevant airline, hotel or travel agency within 24 hours of discovery.
- Cruise cover
No benefits will be payable for the cruise claim in respect of same loss under Trip Cancellation and Curtailment and Travel Delay benefits.
The above premium does not include levy. A levy of 0.1% on premium shall be imposed.
The information in this website is a general summary. Please refer to the actual policy for exact terms and conditions.
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FAQ
No. Travel insurance should be purchased immediately after booking your flight or accommodation.
This ensures protection against pre-departure risks such as trip cancellation, weather disruption and unforeseen events, providing coverage from the planning stage onward.
All Travel Insurance must be purchased before the commencement of your journey. If you buy Travel Protection after your fight departed, you will not be covered. Also, your trip must depart from Hong Kong and return to Hong Kong in order to be eligible for the coverage.
- Medical expense limits
- Flight delay and cancellation benefits
- Coverage for high-risk activities (e.g. scuba diving, skiing)
- Rental car and self-drive excess protection
Supporting documents such as receipts, police reports and airline delay confirmations should be retained to facilitate claims processing.
- No benefits are payable to any insured aged 85 or above.
- Insured under 16 or over 64: maximum benefits for certain sections (e.g., Personal Accident, Medical Expenses) are limited to 50%.
Disclaimer
The above FAQ provides a general summary for reference purposes only. It is not intended to be comprehensive and does not constitute advice or a recommendation of any kind. Please refer to the actual policy for exact terms and conditions.