^HK$1,000,000

Medical Expenses

^HK$25,000

Trip Cancellation

^HK$15,000

Loss/Damage of Baggage

All Details

• Key Features

  • For single journey, no upper age limit provided the insured person is at least 30 days old

  • For single journey, SmartTraveller Plus provides free cover for children insured under the same policy with their parent(s), regardless of the number of children

  • For insured person not returning to Hong Kong, the cover will terminate within 7 days from the scheduled arrival of the country of final destination, or the last day of the original declared period of insurance, whichever is earlier

  • SmartTraveller Plus cover travel inconvenience such as travel delay, extra or irrecoverable prepaid overseas accommodation expenses or irrecoverable missed events expenses as a result of airport closure

  • We cover accidental loss or damage to your baggage and personal belongings, such as your mobile phone, tablet computer, laptop computer and suitcase

  • Virtual medical consultation and medicine delivery (NEW)

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Travel Inconvenience

Travel Inconvenience	HK$10,000
(a) Cash allowance in case of travel delay for 6 hours or more	HK$3,000 (HK$300 per 6 hours)
(b) Due to travel delay for 6 hours or more i) Extra overseas accommodation expenses; OR ii) Irrecoverable deposits or charges for accommodation; AND iii) Irrecoverable deposits or charges for missed events	HK$3,000
(c) Trip re-routing travel costs due to travel delay for 6 hours or more (economy class only)	HK$10,000
(d) Missed journey accommodation and meal expenses for failure to board a common public carrier due to missed transportation connection, if not compensated by a third party	HK$10,000
(e) Overbooking accommodation and meal expenses for failure to board a common public carrier due to overbooking, if not compensated by a third party	HK$10,000
Baggage Delay	HK$1,500
Emergency purchase of essential items if baggage is delayed for at least 6 hours
Loss/Damage of Baggage and Personal Effects	HK$15,000
Per article or pair or set of article	HK$2,000
Per laptop computer+	HK$5,000
Per tablet computer or mobile phone+	HK$2,000
Suitcase, trunk, receptacle and the like	HK$2,000 (1,500 per item)
+ Up to one laptop computer or one tablet computer or one mobile phone only
Excess	20% of loss
Personal Money and Travel Documents	HK$6,000
(a) Loss of money or unauthorised use of credit card	HK$3,000
(b) Replacement cost of travel documents and additional travelling and accommodation expenses	HK$3,000
Loss of Deposit or Cancellation of Trip	HK$50,000
Irrecoverable deposits or charges of transportation, accommodation or missed events	HK$50,000
Red outbound travel alert	50% of the irrecoverable deposits or charges
Black outbound travel alert	100% of the irrecoverable deposits or charges
Trip Curtailment	HK$50,000
Proportional return of relevant irrecoverable prepaid cost of the planned holidays including but not limited to travel tickets and missed events OR additional transportation (economy class only) and accommodation expenses	HK$50,000
Red outbound travel alert	50% of the irrecoverable deposits or charges
Black outbound travel alert	100% of the irrecoverable deposits or charges

Coverage

Covid-19 Coverage
Rental Vehicle Cover
Mobile Phone Cover
Scuba Diving Cover
Skiing Cover
Parachuting Cover

Medical Coverage

Overseas Medical Expenses	HK$1,000,000
a) Insured person aged 18 to 70	HK$1,000,000
b) Insured person aged over 70	HK$500,000
c) Insured person aged below 18	$250,000
d) Insured person aged below 18 and is charged at adult's premium	HK$1,000,000
Overseas Hospital Cash	HK$5,000
per day	HK$500
Follow-up medical treatment in Hong Kong within 3 months of return from abroad
Due to accidental injury	100% of maximum limit
Due to sickness	10% of maximum limit
Chinese bone-setting, acupuncture, physiotherapy or chiropractic treatment	HK$3,000 (HK$200 per day)
Emergency Medical Evacuation and Repatriation
Fully covered

Personal Protection

Burns Cover	HK$200,000
Third degree burn
Accidental Death	HK$1,000,000
Insured person aged 18 to 70	HK$1,000,000
Insured person aged over 70	HK$500,000
Insured person aged below 18	HK$100,000
Insured person aged below 18 and is charged at adult's premium	HK$500,000
Total Permanent Disability	HK$1,000,000
Insured person aged 18 to 70	HK$1,000,000
Insured person aged over 70	HK$500,000
Insured person aged below 18	HK$1,000,000
Insured person aged below 18 and is charged at adult's premium	HK$1,000,000

Also Covered

Personal Liability	HK$3,000,000
For legal liability towards third parties for accidental bodily injury or property damage, as well as any associated legal costs and expenses
Rental Vehicle Excess and Vehicle Return Cost	HK$5,000
Home Care Benefit	HK$20,000
Loss of or damages to your home contents as a result of fire or burglary while you are overseas

Plan Materials

Policy Wording Document	Read More