^HK$2,000,000

Medical Coverage

^HK$1,000,000

Personal Accident

^HK$20,000

Personal Belongings

All Details

• Key Features

  • Wide age bracket

  • Market-leading medical expense cover

  • Extensive personal accident protection

  • Home-to-home coverage

  • Overseas home content and personal belongings

  • Temporary accommodation

  • Cash allowance for unexpected school closure

  • Cover most adventurous sports

  • Cover terrorism

  • Zero excess

Medical Expenses

Medical Expenses	HK$2,000,000
Covers inpatient and outpatient expenses of the insured student for accident or sickness occurring during the study trip
Overseas outpatient	25 visits
Covers follow up medical expenses in Hong Kong within 90 days of return from abroad	HK$250,000
Covers reasonable charges for burial, cremation or funeral expenses in the locality of where the death happens	HK$10,000
Trauma Counselling	HK$15,000 (HK$1,500 per visit per day)
Covers trauma counselling if the insured student is a witness or victim of a traumatic event
Emergency Family Reunion	HK$100,000 (2 persons, HK$50,000 each person)
Pays for economy class tickets and accommodation for spouse, parents or children to visit the insured student who is hospitalised for more than 5 consecutive days or in event of the insured student’s death
Overseas accommodation	HK$10,000 per person, HK$2,000 per night
Rehabilitation travel expenses	HK$3,000 (HK$300 per ride, 2 rides per visit per day)
Convalescence assistance	HK$10,000 (HK$2,000 per day)
Compassionate cash	HK$10,000

Personal Accident

Personal accident of the insured student	HK$1,000,000
Accidental death or permanent disablement	HK1,000,000
Major burns (second or third degree)	HK500,000
Additional compensation
(1) Accidental death or permanent disablement on common carrier (not applicable for age under 18)	HK500,000
(2) Accidental death or permanent disablement due to kidnap	HK100,000
(3) Accidental death or permanent disablement due to natural disaster	HK500,000
(4) Broken bones as a result of an accidental injury	HK30,000

Travel Coverage

Trip Delay	HK$3,000
Cash allowance for the delay of departure of scheduled transportations	HK$3,000 (HK$300 first 5 hours, HK$500 every 5 hours thereafter)
Additional transportation expenses and overseas overnight accommodation incurred for the delay of more than 5 hours	HK$5,000
Baggage Delay	HK$2,000
（HK$500 first 5 hours, HK$1,000 every 5 hours therafter）
Trip Cancellation	HK$20,000
Covers the event of sudden death, serious injury or sickness of the insured student, an immediate family member or travel companion, strike, riot, civil commotion, acts of terrorism, natural disaster, adverse weather conditions, or other insured events
Curtailment of Trip	HK$20,000
Missed Connection	HK$10,000 (HK$2,000 per night)
Trip Re-route	HK$10,000

Overseas Household Contents and Personal Belongings

Household contents at residence overseas	HK$10,000 (HK$3,000 per item, pair or set)
Covers for loss or damage of household contents in the insured student’s residence overseas resulted from fire, flood, earthquake, tsunami, subsidence/landslip, aircraft damage or impact damage by any road vehicle
Personal Money	HK$5,000
Temporary accommodation	HK$5,000 (HK$1,000 per day)
Worldwide personal belongings	HK$20,000
Personal effects and valuables	HK$7,500 per item, pair or set
Sports equipment/musical instrument	HK$5,000 per item or set
Mobile phone/electronic mobile devices/tablet	HK$3,000 per item or set
Laptop/portable computer	HK$10,000
Unauthorized use of Credit Card	HK$20,000
not applicable for age under 16
Travel Documents	HK$10,000
School closure allowance	HK$2,000 (HK$500 per day)

Worldwide Personal Liability

Worldwide Personal Liability	HK$2,000,000

Worldwide Emergency Assistance Services

24-Hour Emergency Assistance Hotline Service	Fully covered
Emergency Medical Evacuation	Fully covered
Guarantee of Hospital Admittance Deposit	Fully covered
Repatriation After Treatment	Fully covered
Repatriation of Mortal Remains	Fully covered

Other Benefits

Education Fund	HK$300,000
Provides a subsidy to ensure the continuation of education in the event that the insured student’s parent/guardian suffers accidental death or permanent disablement
Study Interruption	HK$200,000
Parent Annual Leave Compensation	HK$2,500 (HK$250 per day)
Offers cash benefit for parents or guardian who take annual leave to visit the insured student who is hospitalised for more than 5 consecutive days

Eligibility

Age	10 - 35 years old

Plan Details

Premium	HK$3,900
Product Brochure	Read Now
Policy Wording Document	Read Now