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Overseas Study Insurance
Why choose MSIG?
Personal Accident
Up to HK$1,000,000, with extension to Amateur Dangerous Sports and Activities
Medical Expenses 
Up to HK$2,000,000 which cover both overseas inpatient or outpatient treatment and follow up medical treatment in Hong Kong (including Chinese medical practitioners’ fee)
Education Fund1
Cover up to HK$300,000 if the insured parent suffer bodily injury resulting in death or permanent disablement
Cancellation of Study and Study Interruption
Cover the unused tuition fee, travel and accommodation deposits
School Closure Allowance
Up to HK$5,000 if unexpected closure of school due to natural disaster or compulsory closed (e.g. due to infectious diseases) by local authority
Personal Belongings Protection
Cover the loss of or damage to personal baggage and belongings including mobile phone or tablet computer up to HK$2,000
| Benefits at a Glance | Maximum Benefits Payable (HK$) | |
|---|---|---|
Basic Plan | Premier Plan | |
Section 1 - Personal accident | ||
| 1,000,000 | |
| Amateur dangerous sports and activities | 500,000 | |
Section 2 - Medical expenses | ||
Medical expenses at overseas
|
Not applicable | 2,000,000 |
| 250,000 90 5,000 200 | |
Hospital cash (if hospitalised for more than 5 consecutive days)
| 30,000 | |
Trauma counselling
| 15,000 | |
| Amateur dangerous sports and activities | 500,000 | |
Section 3 - Tuition expenses2 | ||
Education fund1
|
300,000 | |
Cancellation of study
|
50,000
| |
Study interruption
|
200,000
| |
School closure daily cash allowance
|
5,000 | |
Section 4 - Travel delay2 | ||
Cash benefit3
| 3,000 | |
Additional transportation and/or accommodation expenses3
| 5,000 | |
Section 5 - Trip cancellation and curtailment | ||
| Unused travel and accommodation deposits you have paid or payments for which you are legally obliged to pay if your study is unavoidably cancelled within 30 days prior to its commencement or after the trip has begun due to named reasons | 50,000 | |
Section 6 - Personal belongings | ||
| Loss of or damage to your personal baggage or belongings | 20,000 | |
| 3,000 | |
| 5,000 | |
| 5,000 | |
| 5,000 | |
| 10,000 | |
| 2,000 1 | |
| ||
| Delayed baggage | 1,500 | |
Loss of travel documents
| 10,000 1,000 | |
| Personal money | 2,000 | |
Section 7 - Personal liability | ||
| Pay for all sums which you become legally liable to pay as compensation | 2,000,000 | |
Section 8 - Household contents at overseas residence | ||
| Loss of or damage to household contents as a direct result due to fire, flood, earthquake, tsunami, subsidence/landslip, aircraft damage or impact damage by any road vehicle | 12,000 | |
Section 9 - Alternative accommodation | ||
If your overseas residence being rendered uninhabitable due to fire or natural disaster
| 10,000 500 | |
Section 10 - Terrorism extension (applicable to the above Section 1 and 2 only) | ||
| Extends to cover you in respect of death or bodily injury (including necessary medical expenses incurred) which may be sustained through acts of terrorism | 3,000,000 | |
| Emergency assistance services | ||
| 24-hour assistance hotline | Included | |
Compassionate visit (if hospitalised for more than 5 consecutive days)
| One economy class airfare 1,200 5 | |
| Unexpected return to Hong Kong (in the event of the death of your family member) | One economy class airfare | |
| Emergency medical evacuation and repatriation after treatment | 2,000,000 | |
| Deposit guarantee for hospital admission | 40,000 | |
| Repatriation of mortal remains/ashes | 250,000 | |
- Only applicable if the insured student is aged 25 or below and unmarried when his/her parent suffers bodily injury. Not applicable if the insured parents are aged above 75 or his/her engagement as a worker or staff stated in major exclusion item 7.
- Only claim for either section 3, section 4 or section 5, in respect of any losses arising from the same cause.
- Either travel delay cash benefit or additional transport and/or accommodation expenses is payable.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
| Premium table^ | |||
|---|---|---|---|
| Basic Plan | Premier Plan (with an Excess of HK$20,000 for each hospitalisation claim) | Premier Plan | |
| Annual premium (HK$) | 3,000 | 4,527 | 5,030 |
^Collection of Levy on Insurance Premium - The Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this product factsheet are subject to levy.
Important Notes:
- The insured student must be aged between 6 and 50 and not the passport holder of the study country/region.
- The applicant and insured student must be Hong Kong resident and at the time of application the insured student has not yet leave Hong Kong for the study journey meant to be covered.
- The study journey should be originating from Hong Kong.
- Any circumstances or medical conditions giving rise to a claim under this policy known to have existed at the time of application or at the date of arranging the study journey
- Any sport in a professional capacity or could earn income or remuneration from engaging in such sport
- Suicide, intentional self-inflicted injury, insanity, mental or nervous disorders, sleep disorder, psychiatric disorder
- Influence of drugs or alcohol
- HIV and/or any HIV related illness including AIDS
- Flying activities other than as a fare-paying passenger with a licensed and scheduled routes carrier
- Engagement as a worker or staff in any form of manual employment or occupation, hazardous work or occupation, or listed under general exclusion of the policy
- Fighting (except in bona fide self defence), provoked assault, resistance to arrest
- Unlawful acts
- Consequential loss of any kind
- Any misrepresentation or omission to inform us of any material information
- Delay, confiscation, detention, nationalisation, requisition or destruction of or damage to property
- Pressure waves from aircraft and other airborne devices travelling at sonic or supersonic speeds
- War and terrorism (Except for terrorism extension cover)
- Radioactive contamination, chemical, biological, biochemical and electromagnetic weapons
