|
Table of Benefits |
Maximum Benefits per Insured Person per Insured Journey (HKD) |
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|
Section |
Coverage |
Basic Plan |
Premier Plan |
|
1. |
Medical Cover |
|
|
|
(a) |
Including sub-limits of: |
500,000 |
1,250,000 |
|
|
- Follow-up Medical Expenses - 10% of maximum benefits |
|
|
|
|
- Overseas travelling expenses for seeking medical treatment |
300 |
300 |
|
(b) |
Overseas Hospital Daily Cash Benefit (HKD500 per day) |
2,000 |
6,000 |
|
(c) |
Hospital confinement or quarantine cash allowance due to Infectious Disease (HKD300 per day) |
3,000 |
3,000 |
|
2. |
Zurich Emergency Assistance |
|
|
|
(a) |
Deposit Guarantee for Hospital Admission |
39,000 |
|
|
(b) |
Emergency Medical Evacuation |
Actual cost |
|
|
(c) |
Repatriation of Mortal Remains |
Actual cost |
|
|
(d) |
Compassionate Visit |
One economy class round-trip travel ticket |
|
|
(e) |
Accommodation Expenses (HKD1,950 per day) |
Hotel accommodation expenses up to 4 days and up to 7,800 |
|
|
(f) |
Return of Unattended Children |
One economy class one-way travel ticket and up to 30,000 |
|
|
(g) |
24-hour Telephone Hotline and Referral Services |
Included |
|
|
3. |
Personal Accident |
|
|
|
(a) |
Accident on Public Common Carrier or during Robbery |
750,000 |
1,500,000 |
|
(b) |
Other Accidents |
500,000 |
1,000,000 |
|
(c) |
Burns Cover |
Not covered |
200,000 |
|
4. |
Compassionate Death Cash |
10,000 |
10,000 |
|
5. |
Personal Baggage Cover |
10,000 |
35,000 |
|
|
Including sub-limits of: |
|
|
|
|
- Per item, pair, set or collection |
3,000 |
3,000 |
|
|
- Lap-top computer |
10,000 |
10,000 |
|
|
- Aggregate limit for all cameras, camcorders and their accessories and related equipment |
5,000 |
5,000 |
|
|
- Aggregate limit for all golf equipment |
5,000 |
5,000 |
|
6. |
Loss of Personal Money |
1,000 |
3,000 |
|
7. |
Loss of Travel Document and/or Travel Ticket |
3,000 |
5,000 |
|
8. |
Loss of Home Contents due to Burglary |
15,000 |
25,000 |
|
9. |
Personal Liability |
1,000,000 |
2,000,000 |
|
10. |
Travel Delay |
|
|
|
(a) |
Travel Delay (HKD300 for each and every 5 hours of delay) |
3,000 |
5,000 |
|
(b) |
Extra Hotel Costs due to Travel Delay |
2,000 |
2,000 |
|
(c) |
Extra Re-routing Costs due to Travel Delay |
5,000 |
10,000 |
|
11. |
Baggage Delay Allowance (over 5 hours) |
1,000 |
1,500 |
|
12. |
Cancellation of Trip |
10,000 |
30,000 |
|
13. |
Curtailment of Trip |
10,000 |
30,000 |
|
Optional Benefits (if applicable) |
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|
Optional Benefit 1 (a) |
Damage of Mobile Phone Coverage for accidental damage for one mobile phone per traveler during insured journey |
|
2,000 |
|
Optional Benefit 2 |
Driving Holidays |
|
|
|
(a) |
Extra hospital daily cash benefit due to car accident (HKD500 per day) |
|
3,000 |
|
(b) |
Extra personal accident indemnity due to car accident |
|
200,000 |
|
(c) |
Roadside assistance allowance |
|
500 |
|
(d) |
Baggage allowance due to car theft |
|
2,000 |
|
(e) |
Rental vehicle excess |
|
5,000 |
|
Optional Benefit 3 |
Sports Activities |
|
|
|
(a) |
Sub-limit for Chinese medicine bone-setting treatment due to sports activities injury under follow-up medical expenses |
|
150 per
visit per day and up
to 3,000 |
|
(b) |
Extra personal accident indemnity due to sports activities |
|
200,000 |
|
(c) |
Additional personal baggage sub-limit for all sports equipment |
|
Aggregate limit 5,000 |
|
(d) |
Rental of sports equipment due to baggage delay |
|
1,000 |
|
(e) |
Closure of piste / sports centre |
|
1,000 |
|
Optional Benefit 4 |
Cruise Holidays |
|
|
|
(a) |
Extra personal accident indemnity due to sinkage of cruise ship or kidnap by pirates |
|
400,000 |
|
(b) |
Baggage allowance due to sinkage of cruise ship |
|
2,000 |
|
(c) |
Cruise cancellation due to travel delay |
|
30,000 |
|
(d) |
Extra re-routing cost due to travel delay and missed connection to cruise ship |
|
20,000 |
|
(e) |
Shore excursion cancellation allowance |
|
1,000 |
Major Exclusion
1. Any event arising from war, act of foreign enemy, civil war, rebellion, insurrection, military force or coup;
2. Any pre-existing condition, congenital and hereditary condition; insanity, mental or nervous disorders; any condition under the influence of alcohol or drugs (other than those prescribed by a qualified medical practitioner); alcoholism; drug addiction or solvent abuse;
3. Any condition resulting from pregnancy, childbirth or miscarriage, abortion, pre-natal care as well as post-natal care and other complications arising therefrom, venereal disease; suicide or intentional self-inflicted injury; any illness attributable to HIV (Human Immunodeficiency Virus) and/or HIV-related illness including AIDS;
4. Any event arising from an act of terrorism, except for and including all relating benefits in the riders for the following Sections: Section 1 - Medical Cover, Section 2 - Zurich Emergency Assistance, Section 3 – Personal Accident, Section 10 - Travel Delay, Section 12 - Cancellation of Trip and Section 13 - Curtailment of Trip;
5. Any insured person who is a holder of the People’s Republic of China passport and travels to/within China. However, this exclusion will be waived if such insured person has an official document issued by an overseas government (other than China) as proof that he/she is a legal resident of that other country and travelling with a passport of the People’s Republic of China;
6. Trekking at an altitude greater than 5,000 meters above sea level or diving to a depth greater than 40 meters below sea level;
7. Being a crew member or an operator of any air carrier;
8. Any activity or involvement of the insured person in the air unless such insured person is at the relevant time (i) travelling as a fare paying passenger on a regular scheduled flight or licensed chartered aircraft, or (ii) participating in such activity where the maneuver or navigation of such activity is responsible by another person who is adequately licensed for guiding such activity and the provider of such activity must be authorized by the relevant local authority.
Policy Wording
1. For the exact terms and conditions and details of the exclusions, please refer to the Policy Wording.
2. For those travel companion(s) who is NOT covered by the Travel Insurance Basic Plan but has enrolled to upgrade the plan to the Travel Insurance Premier Plan (and selected Optional Benefits), he/she will only entitle to the benefits as stated in the Table of Benefits in the Addendum of the Policy Wording.
Outbound Travel Alert Benefit
Please click here to read the details of the Outbound Travel Alert Benefit Guideline.