Double Indemnity of Personal Accident, up to HK$2,400,000 (only applicable to Single Travel Plan).
Maximum limit for medical expenses up to HK$1,000,000, 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$4,000 (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.
|HK$2,700 or HK$5,000
|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)
|The insured person is hospitalized due to confirmed COVID-19 infection during the Journey and cannot return to Hong Kong.
|I. cash allowance of HK$300 for the delay of each and every period of 6 consecutive hours, or
|II. additional travel expenses and overseas accommodation costs
|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.
|Loss/Damage of Baggage and Personal Effects
|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$3,500
|-Other Baggage, maximum for any one article/anyone pair /any one set of articles HK$2,500
|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$3,500
|Loss of Travel Documents
|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
|-additional travel and accommodation expenses
|incurred to obtain the lost travel documents. (Maximum daily limit for accommodation expenses) HK$800/per day
|Loss of cash/travelers’ cheques as a direct result of theft or robbery
|-Accidental loss of cash HK$500
|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
|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
|🎄Get 10,000 SmartPoints
|🧧Get 500 SmartPoints
|Rental Vehicle Cover
|Mobile Phone Cover
|Scuba Diving Cover
|Overseas Medical Expenses
|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$400,000
|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$10,000 (HK$1,000/per day)
|Overseas Hospital Cash
|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
|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.
|Extension of COVID-19 Medical Expenses and Hospital Cash
|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$400,000
|Emergency Medical Evacuation
|Emergency Medical Evacuation and Repatriation
|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$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)
|Accidental Death and Disablement
|obtained compensation under Insured Item “Double Indemnity”) HK$600,000
|Compassionate Death Cash Benefit
|Death of the insured person as a result of accident or sickness occurred during the journey
|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.
|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
|Cover loss of or damage to home contents due to burglary happening at the insured person’ s unoccupied home whilst the insured person is travelling away from Hong Kong. (HK$4,000/item)
Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.