^HK$500,000

Medical Expenses

^HK$30,000

Trip Cancellation

^HK$6,000

Loss/Damage of Baggage

All Details

• Key Features

  • Double Indemnity of Personal Accident, up to HK$1,200,000 (only applicable to Single Travel Plan).

  • Maximum limit for medical expenses up to HK$500,000, including the treatment expenses incurred inHong Kong within 3 months after the insured person’s return from abroad and Trauma Counselling Protection are also provided.

  • Protection for Dangerous Activities1, including bungee jumping, parachuting, rafting, diving, trekking & hot-air ballooning（not applicable to professional sportsmen or people engaged in competition）.

  • If “Black Alert” is issued which results in travel delay, cancellation and curtailment etc., the irrecoverable deposits or charges will be payable. (For details, please refer to the list of Outbound Travel Alert)

  • If Compulsory Quarantined due to Infectious Disease or issuance of any Outbound Travel Alert2 to the destination, the period of insurance will be automatically extended.

  • Rental Vehicle Excess Protection, cover limit up to HK$2,500 (per event).

  • 24-hour Worldwide Emergency Assistance , offers you medical emergency assistance service, overseas hospital admission deposit guarantee and medical evacuation to suitable hospital or country of residence.

Coverage

Covid-19 Coverage
Rental Vehicle Cover
Mobile Phone Cover
HK$1,000
Scuba Diving Cover
Skiing Cover
Parachuting Cover

Travel Inconvenience

Travel Delay	HK$2,100 or HK$3,500
n the event of delay of public conveyance due to adverse weather conditions, natural disaster, strike, industrial action, act of terrorism, winding-up of travel agent or airline company, closure of airport, hijack, mechanical breakdown of the public conveyance or “Black Alert” is issued to the planned destination, the insured person will be reimbursed one of the following benefits
-cash allowance of HK$300 for the delay of each and every period of 6 consecutive hours (extended cover for red outbound travel alert) HK$2,100 ; or
-reasonable and inevitable additional travel expenses and overseas accommodation costs due to delay of at least 6 consecutive hours HK$ 3,500
(if due to the issuance of “Black Alert”, the maximum benefits of Gold & Silver Plan will be increased to HK$10,000)
Travel Cancellation	HK$3,000
In the event of cancellation of the journey as a direct result of the following causes, the insured person will be reimbursed the irrecoverable prepaid fees, including the deposits, travelling expenses, air ticket, travel tickets, accommodation expenses, tour package fee or admission tickets for major sports events, musicals, concerts, museums, and theme parks
-death, serious bodily injury or sickness of the insured person, his/her family members, close business partner;
-compliance with a witness summons, jury service or compulsory quarantine of the insured person;
-bankruptcy of travel agents which are registered in the Travel Industry Council of Hong Kong or winding-up of airline company;
-11.4 fire or flood damage to the insured person's home within 7 days before the departure date;
-issuance of black outbound travel alert in the destination within 7 days before the departure date
The insured person or his Spouse, parent, parent-in-law, grandparent, Child, brother, sister, fiancé, fiancée or Close Business Partner resident in Hong Kong is hospitalized due to confirmed COVID-19 infection 7 days before commencement of the Journey.
Baggage Delay	HK$1,000
Emergency purchases of essential items or clothing due to baggage being delayed for at least 6 hours after the insured person’s arrival at the scheduled destination abroad due to misdirection in delivery or hi-jack (Purchase invoice should be provided when submitting a claim)
Loss/Damage of Baggage and Personal Effects	HK$6,000
Loss of or damage to baggage and personal effects due to theft, robbery or accident, including
-Loss or damage of sports equipments (including golf and diving equipments), maximum for any one article / anyone pair/any one set of articles HK$2,500
-Other Baggage, maximum for any one article/anyone pair /any one set of articles HK$2,500
-Extended Cover
Loss of Insured Person’s Personal Notebook Computer due to theft or robbery, maximum for any one article/anyone pair /any one set of articles HK$2,500
Loss of Travel Documents	HK$3,000
In the event of loss of air ticket, travel pass and/or travel documents due to theft, robbery or accident, the insured person will be reimbursed
-replacement cost of air ticket, travel pass and/or
travel documents.
-additional travel and accommodation expenses
incurred to obtain the lost travel documents. (Maximum daily limit for accommodation expenses) HK$500/per day
Personal Money	HK$2,000
Loss of cash/travelers’ cheques as a direct result of theft or robbery
-Accidental loss of cash HK$300
Trip Curtailment	HK$30,000
The insured person or his Spouse, parent, parent-in-law, grandparent, Child, brother, sister, fiancé, fiancée or Close Business Partner resident in Hong Kong is hospitalized due to confirmed COVID-19 infection during the Journey.
Credit Card Protection	HK$5,000
In the event of accidental death of the insured person during the journey, any outstanding balance charged to the insured person’s credit card(s) for goods purchased by the insured person during the journey will be reimbursed

Medical Coverage

Overseas Medical Expenses	HK$500,000
Medical, hospital and treatment expenses incurred as a direct result of accidental bodily injury or sickness occurred during the journey.
(Insured persons aged under 18 or over 70) HK$250,000
Trauma Counselling Protection	reasonable medical expenses of counselling services incurred if the insured person is diagnosed as suffering from post-traumatic stress disorder due to a serious accident during the journey. HK$5,000 (HK$800/per day)
Overseas Hospital Cash	HK$4,500(HK$300/per day)
Daily hospital cash benefit	payable for hospital confinement exceeding 24 hours either outside Hong Kong or immediately return to Hong Kong as a result of bodily injury or sickness.
(In no event shall the total amount payable under item Medical and Relevant Expenses exceed 100% of the corresponding limit as stated in the selected plan)
Follow-up medical treatment in Hong Kong within 3 months of return from abroad	HK$40,000
medical, hospital and treatment expenses incurred in Hong Kong within 3 months after the insured person’s return from abroad. (For Chinese herbalists and bonesetters treatment expenses, maximum benefit payable is HK$150 per day and up to a total of HK$1,500)
Medical, hospital and treatment expenses incurred in Hong Kong within 3 months of returning from abroad. (For Chinese herbalists and bonesetters treatment expenses, maximum benefit payable is HK$150 per day and up to a total of HK$1,500) as a result of contracting COVID-19 during the Journey.
Emergency Medical Evacuation	Unlimited
Extension of COVID-19 Medical Expenses and Hospital Cash	HK$500,000
Medical Treatment Expenses, including outpatient, surgery and doctor fees incurred outside Hong Kong as a result of confirmed COVID-19 infection during the Journey, within the Period of Insurance.
(Insured persons aged under 18 or over 70) HK$250,000
Repatriation of Mortal Remains	HK$50,000
Expenses associated with transport of body to Country of Residence in the event of death of the insured person
Expenses associated with transport of body to Country of Residence in the event of death of the insured person(Covid-19)	HK$50,000
Compassionate Visit	HK$1,200 per day
A return scheduled airline ticket and 5 days of hotel accommodation (HK$1,200 per day)
Referral services including legal assistance, interpreter and replacement of lost travel document or travel pass.
Return of Child(ren)	Actual Expenses

Personal Protection

Accidental Death and Disablement	HK$600,000
- In the event of the death or permanent disablement of the insured person as a result of an accident, claim will be payable according to the “Table of Personal Accident Benefit” under the policy.
- Major Burns due to Accident (calculated according to the body surface area burnt).
- Insured Person aged under 18 or over 70.
(This benefit is not applicable to the insured person who has
obtained compensation under Insured Item “Double Indemnity”) HK$300,000
Burns Cover
Total Permanent Disability	N/A
Compassionate Death Cash Benefit	HK$20,000
Death of the insured person as a result of accident or sickness occurred during the journey
(in the event of death caused by sickness, the maximum benefit payable is 30% of the specified amount)
Other accident	HK$1,200,000
Payment for accidental death or permanent total disablement arising from the use of public conveyance (not applicable to persons aged under 18 or over 70, and only applicable to Single Travel Plan)

Also Covered

Personal Liability	HK$1,500,000
Indemnifies the insured person’s legal liability as a result of accidental bodily injury to a third party or accidental loss of or damage to the third party’s property due to negligence.
Rental Vehicle	HK$2,500
In the event of any accidental loss or damage or theft of the rented vehicle during the journey, protects the insured person who is liable to pay the motor insurance excess under the rental agreements.
Loss of Home Contents	HK$10,000
Cover loss of or damage to home contents due to burglary happening at the insured person’s unoccupied home whilst the insured person is traveling away from Hong Kong. (HK$3,000/item)