BOCG Insurance GoStudy Student Insurance - Premier Plan [1-year]

^HK$1,500,000

Medical Coverage

^HK$1,200,000

Personal Accident

^HK$10,000

Personal Belonging

All Details

Promotions

【Feature to highlight】
• Suitable for those aged 12 to 40 who study outside Hong Kong
• Covers your entire study trip from home to home in Hong Kong, including trip outside Hong Kong for leisure purpose less than 21 days during the study trip.
• Extended cover for non-manual part-time job in the city where the Education Institution is located and internship programs arranged by the Education Institution.

• Key Features

  • Medical expense covers up to HK$1,500,000, including outpatient and Prescribed drugs up to HK$10,000

  • Personal accident covers up to HK$1,200,000, with kidnapping cover

  • Incidental hospital or infectious disease quarantine cash allowance

  • Education fund - covers the unpaid tuition fee in the event of death or permanent total disablement of a parent/legal guardian within 12 months from date of accident.

  • Coverage of Study Interruption, Postponing/ Cancellation

Medical Expenses

Medical Expenses	HK$1,500,000
Out-patient fees and Prescribed drugs	HK$10,000 (HK$500/day/visit)
Medical, hospital and treatment expenses incurred in Hong Kong within 3 months after the insured person’s return to Hong Kong	HK$60,000
(For Chinese herbalists and bonesetters treatment expenses, maximum benefit payable is HK$200 per day and up to a total of HK$3,000)
Trauma Counselling	HK$15,000
reasonable medical expenses counselling services incurred if the insured person is diagnosed as suffering from post-traumatic stress disorder due to a serious accident during the study trip	HK$1,000/day/visit
Incidental hospital or infectious disease quarantine cash allowance	HK$7,500 (HK$500/day)

MoneySmart Promotions

Only for USA/Canada
One Year Plan

Personal Accident

Personal accident of the insured student	HK$1,200,000
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
Kidnapping	HK$600,000
Accidental death of the insured person as a result of being kidnapped during the study trip

Travel Coverage

Trip Delay	HK$1,800
Cash allowance of HK$300 for the delay of each and every period of 6 consecutive hours; or
Reasonable and inevitable additional travel expenses and accommodation costs outside Hong Kong and the country/region of study due to delay of at least 6 consecutive hours	HK$5,000
Baggage Delay	HK$2,000
Emergency purchases of essential replacement clothing and toiletries due to baggage being delayed for at least 6 hours after the insured person’s arrival at the scheduled destination outside Hong Kong due to misdirection in delivery
Trip Cancellation	HK$40,000
-Death, serious bodily injury or sickness of the insured person or an family member
-Compliance with a witness summons, jury service, put in compulsory quarantine of the insured person
-Fire or flood2 damage to the insured person’s principal home in Hong Kong within seven (7) days before the departure date
-Unexpected outbreak of strike, adverse weather conditions, natural disasters, act of terrorism, infectious disease, issuance of Black Outbound Travel Alert for the country/region of study within 7 days before the departure date
-The insured person is refused to issue an entry visa or entry by the country/region of study due to outbreak of infectious disease
Trip Re-route	HK$5,000
Reasonable and inevitable additional travel expenses and accommodation costs outside Hong Kong and the country/region of study due to delay of at least 6 consecutive hours

Overseas Household Contents and Personal Belongings

Household contents at residence overseas	HK$10,000
Personal Money	HK$10,000
Accidental loss of or damage to baggage and personal belongings during the study trip
Temporary accommodation	HK$10,000
The insured person’s home is damaged and rendered uninhabitable for more than 24 hours due to the fire, rain, flood2, and destruction of other natural disasters (e.g. tsunami or earthquake) during the study trip
Worldwide personal belongings	HK$10,000
Accidental loss of or damage to baggage and personal belongings during the study trip
Sports equipments	HK$3,000/item/set
Personal computer or tablet	HK$5,000
Other personal belongings	HK$1,500/item/set
Loss of mobile phone due to theft or robbery	HK$1,500
Travel Documents	HK$8,000
In the event of loss of passport, identity card or other travel documents due to theft, robbery or accident, the insured person will be reimbursed
Replacement cost of travel document	HK$3,000
Accommodation& travel expenses
(Maximum daily limit for accommodation expenses)	HK$5,000 ($HK1,000/day)

Worldwide Emergency Assistance Services

Emergency Medical Evacuation	Actual Expenses
24-hour Worldwide Emergency Assistance
Guarantee of Hospital Admittance Deposit	HK$50,000
Repatriation of Mortal Remains	Actual Expenses
Compassionate Visit and Hotel Accomodation
A return scheduled airline ticket and 5 days hotel accommodation HK$1,200 per day
Unexpected Return in the Event of the Death of a Close Relative
Actual Expenses

Personal Liability

Personal Liability	HK$1,000,000
Indemnify the insured person for the legal liability to the third party due to the negligence of the insured person.
bodily injury	HK$1,000,000
property damage	HK$200,000

Other Benefits

Education Fund	HK$200,000
Cover any unpaid tuition fees for the remaining period of the current academic year during the period of insurance if the insured person’s parent(s) or legal guardian sustains an injury resulting in his/her accidental death or permanent disablement
Study Interruption	HK$150,000
Reimburses the irrecoverable tuition fees and additional travel expenses reasonably incurred for returning to Hong Kong (on single trip economy fare basis), if the insured person is prevented from continuing with his/her studies due to hospital confinement for more than thirty (30) days caused by serious bodily injury or serious sickness, or death of an family member
Parent Annual Leave Compensation	HK$2,500
In the event that the insured person confined in hospital for more than of five (5) consecutive days due to serious injury or sickness during the study trip and the parent or legal guidance takes annual leave to visit to the insured person, an annual leave compensation cash allowance shall be provided	HK$500/day

Eligibility

Age	12 - 40 years old

Plan Details

Premium	HK$5,580
6 Months Cover	HK$3,100
(No renewal for the 6 Months Cover)