Travelling in the Greater Bay Area? Don’t forget your accident insurance

27 Oct 2023

In recent weeks, many people from Hong Kong have been making the short trip to Mainland China – specifically within the Greater Bay Area. Our neighbouring city to the north is a particularly popular choice for budget-conscious Hong Kong residents wishing to in some good-value shopping, entertainment or dining. And it’s a trend that is only becoming more popular as people seek to take advantage of lower prices and relatively hassle-free travel.

According to the South China Morning Post, over the recent Mid-Autumn Festival and National Day long weekend, over 860,000 Hong Kong residents left the city via land points – suggesting they were planning to stay in Shenzhen during the holiday period. For many bargain-hunters, Shenzhen and other GBA cities offer good value for money as services, such as spa treatments, dining and even accommodation, can be cheaper than in Hong Kong or other destinations.

But whether you are keen to explore deals on offer in the GBA, or simply just feel like going on a family trip that’s not too far from home, you should also remember to seek adequate insurance before you go. Because accidents can and do happen. And even though a city like Shenzhen is right next door to Hong Kong, the cost of medical treatment can quickly spiral if you suffer an accident but don’t have appropriate protection.

Accident insurance tailored to the GBA

When selecting an accident insurance, it’s a good idea to find a plan that offers the maximum protection for your needs. MSIG has created a plan that is suitable for individuals or families travelling to the GBA: iSafe Accident Insurance (iSafe). For example, iSafe offers a range of different coverage to keep you and your loved ones safe when visiting the GBA. This will cover select medical expenses if you have an accident.

However, it also offers a Family Plan option, which covers up to 8 children from 6 months to 17 years old in same premium. This is ideal of you are travelling to the GBA with your extended family members, and gives you peace of mind knowing they are protected in the event of an accident.

A further feature of iSafe is that it offers triple indemnity on accidental death if you are travelling on public transport within the GBA and meet with a tragic accident. This will triple the amount of death benefit payable to your loved ones, and help them to cope with various financial obligations after you pass, bringing them comfort and security as they grieve your loss.

So don’t leave anything to chance. Make sure you are covered when visiting the GBA. It might only be just across the boundary from Hong Kong, but you will enjoy your time there even more when safe in the knowledge that you are financially safe from harm – especially if the worst should happen.

To find out more about iSafe Accident Insurance, please visit here. If you are interested in other personal accident insurance plans, please contact your insurance agent or broker.

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If you have any queries regarding Personal Accident Insurance, please feel free to contact us .