Annual TravelSurance 4.0

Personal Accident

Pays 100% of the sum insured in the event of accidental death/permanent total disablement/loss of two limbs or sight of both eyes/permanent total loss of speech and hearing (An advance payment of HK$50,000 cash relief will be paid to your legal representative in the event of your accidental death)

A

B

C

D

E

F

$500,000

$1,000,000

$2,000,000

$3,000,000

$4,000,000

$5,000,000

$500,000

$1,000,000

$2,000,000

$3,000,000

$4,000,000

$5,000,000

A

B

C

D

E

F

$250,000

$500,000

$1,000,000

$1,500,000

$2,000,000

$2,500,000

$250,000

$500,000

$1,000,000

$1,500,000

$2,000,000

$2,500,000

Medical Expenses

• Pays for necessary medical treatment expenses and reasonable additional transport expenses if it is necessary and unavoidable for you to stay beyond your intended return date to sickness or bodily injury abroad.
• Pays for follow-up medical expenses within 90 days after arrival in Hong Kong up to HK$100,000 including Chinese medicine practitioners’ fees up to HK$150 per visit per day and up to HK$1,500 in total.

Hospital Cash

Pays HK$500 per day up to HK$5,000 in total when you are hospitalised as an inpatient due to bodily injury or sickness when abroad

Terrorism Extension

Extends to provide you with Worldwide Travel Assistance Services as well as cover in respect of death or bodily injury (including necessary medical expenses incurred) which may be sustained through acts of terrorism under the Personal Accident & Medical Expenses Sections. (Any acts of terrorism involving the use of biological, chemical agents or nuclear devices are excluded)

Dangerous Sports and Activities Coverage

• Pays you in the event of accidental death or bodily injury while you are taking part in hot-air ballooning, scuba diving, recreational alpine skiing or snowboarding, tobogganing or sledding, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping, horse riding, trekking or hiking, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities. (This benefit is not applicable to those aged over 65)

24-hour Worldwide Travel Assistance Services​​​​​​

• 24-hour worldwide emergency medical evacuation and repatriation after treatment

• Deposit guarantee for hospital admission

• Unexpected return to Hong Kong, compassionate visit, children escort arrangements, etc.

Trip Cancellation and Curtailment

Reimburses expenses of unused travel and accommodation if your trip is cancelled or curtailed due to serious bodily injury, serious sickness or death of you, your immediate family members, fiancé(e), close business partner or travel companion; residential fire or flooding; jury services, witness summons or compulsory quarantine of you, or if you decide to cancel your trip due to adverse weather conditions, natural disaster directly resulting in suspension of public transport, strike, industrial action, riot, mechanical and/or electrical breakdown of the public transport or closure of the airport which results in delay in departure from Hong Kong for not less than 24 hours

For Black Alert and Red Alert under the Outbound Travel Alert System:

• If the Black Alert is hoisted, pays up to 100% of the relevant loss and up to 100% of the section limit, or if the Red Alert is hoisted, pays up to 50% of the relevant loss and up to 50% the section limit
• Pays up to HK$300 administration charge billed by the travel agent if your trip is cancelled or curtailed.
• Reimburses additional transport expenses if you are forced to leave the city in which you are staying for another city in order to return to Hong Kong
• Pays HK$1,000 cash allowance if you must stay overnight in another city waiting for necessary transport to return to Hong Kong

Replacement Employee

Reimburses transport costs of sending an employee overseas to replace the insured person who needs to be repatriated to Hong Kong due to bodily injury or sickness. The maximum amount payable will not exceed an economy class air ticket. (This is only applicable if the insured is either an incorporate or unincorporate company)

Travel Delay

Pays HK$250 for each 6-hour period of delay if:

• the arrival/departure of public transport is delayed as a result of strike or industrial action, riot, hijack, adverse weather conditions, natural disaster directly resulting in suspension of public transport, mechanical and/or electrical breakdown of the public transport, closure of the airport or
• your trip is delayed due to serious bodily injury, serious sickness or death of you or your travel companion
• the original departure and arrival ports/ airports of the Public Transport conveyance that you have arranged are in/from mainland China, the maximum cover is HK$500

Trip Rearrangement

• Reimburses unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, musical, concert, museum or theme park) you have paid or payments for which you are legally obliged to pay, or reimburses additional transport and/or accommodation expenses incurred, and which are not recoverable from any other source in reaching your planned destination, or for your return trip to Hong Kong if your trip is unavoidably re-routed due to strike or industrial action, riot, hijack, adverse weather conditions or natural disaster directly resulting in suspension of public transport or closure of the airport
• Pays for accommodation expenses up to HK$1,000 per day

Loss of Passport

Delay Due to Hijack

• Pays HK$500 for each day that you are prevented from reaching your scheduled destination through hijack of the aircraft in which you are travelling

Loss of Baggage

Pays for accidental loss of or damage to personal baggage. The maximum amount we will pay for:

• any single article, pair or set of articles is HK$3,000
• all of your sports equipment is HK$5,000 in total
• all of your valuables is HK$5,000 in total
• all of your cameras, camcorders and audio / video equipment is HK$5,000 in total
• any mobile phone is HK$2,000 (mobile phone cover is not applicable to Sliver Plan and the Insured Person(s) is(are) below 18 years of age)
• If the articles are not more than 1 year old at the time of an accident, you will be compensated for the new purchase value

Delayed Baggage

• Pays for the cost of emergency purchase of essential clothing or toiletries if your baggage is delayed for more than 8 hours on the outward journey

Loss of Documents or Samples

• Reimburses the cost of replacing business records, documents or samples which have been lost or damaged. (The maximum cover for any one article is HK$1,000)

Loss of Personal Money

• Covers the loss of cash or travellers' cheques directly arising from theft, robbery or burglary during the journey
• Reimburses the replacement cost of Hong Kong identity card, credit card, driving licence, travel tickets, hotel vouchers or passport
• Covers the loss of travellers’ cheques and foreign currency purchased in respect of the journey for up to 72 hours before the planned departure time in Hong Kong due to theft or burglary

Personal Liability

• Pays for any amount for which you become legally liable to pay as compensation for an accident occurring which causes bodily injury to any other person or damage to property

Rental Vehicle Excess Cover

• Pays an excess for which you become liable to pay under the agreement with a licensed rental company for loss of or damage to the vehicle that you rent

Automatic Extension of Cover

• Cover is automatically extended free of charge up to 14 days in the event of delays due to unforeseen events covered under the Trip Delay Section (Travel Delay, Trip Rearrangement, Delay Due to Loss of Passport, Delay Due to Hijack)
• Cover is automatically extended free of charge up to 30 days in the event of delays due to bodily injury/ sickness covered under the Medical Expenses Section