^HK$1,200,000

Medical Coverage

^HK$1,200,000

Personal Accident

^HK$20,000

Personal Belongings

All Details

• Key Features

  • Overseas Medical Expenses up to HK$1,200,000 and Follow-up Medical Expenses within 90 days after returning to Hong Kong

  • 24-hour Worldwide Emergency Aid services including unlimited coverage for emergency evacuation and repatriation to Hong Kong

  • Personal Accident Benefit up to HK$1,200,000 covering various types of permanent disablement and major burns

  • Coverage for Cancellation of Study, Study Interruption and Education Fund Benefits

  • Coverage for Personal Liability Benefit up to HK$2,000,000

  • Provide two options of period of insurance: 1-year or 2-year

  • No deductible for all benefits

Medical Expenses

Medical Expenses	HK$1,200,000
Reasonable expenses incurred for medical treatment,
surgery, and hospitalisation arising from accidental injury
sustained or sickness contracted during the study trip.
(Maximum no. of outpatient visits per policy year	25)
Trauma Counselling	HK$20,000
Reasonable medical expenses for receiving counselling
services during the study trip and/or within 90 days after
returning to Hong Kong if the insured person is diagnosed
with post-traumatic stress disorder due to a serious
accident or incident occurred during the study trip.
(Maximum daily limit per visit	HK$2,000)
Compassionate cash	HK$50,000
• If the insured person passed away or hospitalised for more
than 3 consecutive days due to serious bodily injury or
serious sickness during the study trip, reasonable additional
accommodation and travelling expenses will be payable for
up to 2 relatives or friends of the insured person to travel
to and from the place where the insured person passed
away or suffered from serious bodily injury or serious
sickness once. (Maximum daily limit of accommodation
expenses per person is HK$1,200 and up to 5 days per
policy year); or
• If the insured person’s immediate family member has
passed away in Hong Kong during the study trip, reasonable
additional travelling expenses will be payable for the
insured person travelling to and from Hong Kong once.

Personal Accident

Personal accident of the insured student	HK$1,200,000
Other Accidents	HK$600,000
Traffic Accident	HK$1,200,000
Major Burns	HK$300,000

Travel Coverage

Trip Cancellation	HK$40,000
Reimbursement of deposits or any payment made in
advance for tuition fees, travel ticket and accommodation
expenses which are irrecoverable and forfeited upon
cancellation of the study trip prior to departure from Hong
Kong as a direct result of
• death, serious bodily injury or serious sickness of the
insured person or his/her immediate family members3,4; or
• compliance with a witness summons, jury service or
compulsory quarantine of the insured person5
; or
• natural disaster, infectious disease, act of terrorist,
riot or civil commotion occurred in the country of
overseas education within 7 days before the scheduled
departure date3
; or
• the issuance of a Black Outbound Travel Alert against
the planned destination in the country of overseas
education before the scheduled departure date3,6; or
• fire or flood damage to the insured person’s home in
Hong Kong occurred within 10 days before the scheduled
departure date.
Curtailment of Trip	HK$0

Overseas Household Contents and Personal Belongings

Personal Belonging	HK$20,000
Loss, physical breakage of, or damage to the baggage and
personal effects or laptop computers (excluding money) of
the insured person resulting from theft, robbery, burglary,
accident, or mishandling by the carriers.
• Laptop computer (per policy year) $10,000
• Sports equipment or musical instrument (per article/per
pair/per set) $5,000
• Other baggage (per article/per pair/per set) $3,000
Unauthorized use of Credit Card	HK$30,000
In the event of accidental death of the insured person
during the study trip, any outstanding amount charged to
his/her credit card(s) for any goods purchased during the
study trip will be reimbursed.
Baggage	HK$2,000
Reasonable expenses for purchasing essential replacement
clothing and toiletries if the baggage has been misdirected
or delayed by the public conveyance provider and is not
returned to the insured person within 6 hours from the
time of arrival at a destination overseas.

Worldwide Emergency Assistance Services

Emergency Medical Evacuation and Repatriation	Unlimited

Personal Liability

Personal Liability	HK$2,000,000
Indemnity against the insured person’s legal liability to
third parties in respect of accidental bodily injury or loss
of or damage to property due to negligence.

Other Benefits

Education Fund	HK$300,000
In the event of an accident resulting in the death or
permanent total disablement of the insured person’s
parent(s) or legal guardian within 12 months of the
accident, the unpaid tuition fees for the academic
semesters which commence in the same policy year will
be payable.
Study Interruption	HK$80,000
Irrecoverable and forfeited prepaid and unused portion of
tuition fees, travel ticket and accommodation expenses
and the reasonable additional travelling expenses incurred
by the insured person to return to Hong Kong will be payable
if the study trip is interrupted after its commencement as
a direct result of
• death, serious bodily injury or serious sickness of the
insured person or his/her immediate family member; or
• natural disaster, infectious disease, act of terrorist, riot or
civil commotion occurred in the country of overseas
education that prevents the insured person from
continuing with the study trip; or
• the issuance of a Black Outbound Travel Alert against
the country of overseas education during the study
trip.

Eligibility

Hong Kong Citizen
Age	The insured person must be a Hong Kong resident aged between 7 and 35 who is studying or will be studying abroad as a full-time student. The applicant must be aged 18 or above and provide the country of overseas study of the insured person upon application.

Plan Details

Premium	HK$6,080
Product Brochure	Read More
Policy Wording Document	Read More