Annual TravelSurance 4.0
Why choose MSIG?

Extra Benefits for Black Alert and Red Alert Under the Outbound Travel Alert System
Up to HK$50,000 and HK$25,000 respectively

Travel Delay Cover
HK$250 for each 6-hour period of delay, up to HK$2,000

Amateur Dangerous Sports and Activities Coverage
Cover at no extra cost

Loss of or Damage to Mobile Phone3
Up to HK$2,000

Trip Cancellation and Curtailment Cover
Up to HK$50,000 which extends to trip cancellation and curtailment due to the death, serious bodily injury or serious sickness of your travel companion

Trip Rearrangement
Up to HK$7,500 cover for additional transport and accommodation expenses, if your return trip to Hong Kong is unavoidably re-routed, including up to HK$1,000 per day for accommodation expenses
3 exclusive travel privileges to elevate your travel experience

Privilege 1 - MSIG Easy Lounge
At over 1,600 airports worldwide, if your flight is delayed for 60 minutes or more, you and up to 5 travel companions can access designated airport lounges for free, regardless of the reasons. Enjoy complimentary food and beverages, Wi-Fi services, and charging facilities.

Privilege 2 - Overseas medical teleconsultation
If you unfortunately fall ill while traveling, you can use the DrGo App to schedule a free overseas medical teleconsultation via a third -party platform. In addition to designated local registered doctors at your destination, you can also book a Hong Kong doctor for a second medical opinion, ensuring you receive the necessary medical support.
This service is only available in Japan, Singapore, Thailand, Vietnam, and the Philippines, subject to relevant terms and conditions.

Privilege 3 - Door-to-door luggage repair service
If your luggage is unfortunately damaged during your trip, you can contact MSIG luggage repair specialist at +852 2410 8022 or WhatsApp at +852 6645 0349 after returning to Hong Kong. The repair company will pick up your luggage for repair and deliver it back to your home once the repair is completed. This service is completely free of charge, eliminating the inconvenience of transporting the luggage yourself, making it convenient and efficient.
Benefits at a Glance | Class | Maximum Benefits Payable (HK$) | |
---|---|---|---|
Gold Plan | Silver Plan | ||
Personal AccidentPays 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 |
Pays 50% of the sum insured in the event of loss of one limb2 or sight of one eye/permanent total loss of speech or hearing | 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 |
Covers third degree burns of the minimum percentage of the surface area of your body as specified in the policy. | A - F | $250,000 | $250,000 |
Medical Expenses
| A - F | $1,000,000 | $1,000,000 |
Hospital CashPays 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 | A - F | $5,000 | $5,000 |
Terrorism ExtensionExtends 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) | A - F | $3,000,000 | $3,000,000 |
Dangerous Sports and Activities Coverage
| A - F | 50% of the maximum benefits under the Personal Accident & Medical Expenses Sections | 50% of the maximum benefits under the Personal Accident & Medical Expenses Sections |
24-hour Worldwide Travel Assistance Services | |||
| A - F | $2,000,000 | $2,000,000 |
| A - F | $40,000 | $40,000 |
| A - F | Covered | Covered |
Trip Cancellation and CurtailmentReimburses 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:
| A - F | $50,000 | N/A |
Replacement EmployeeReimburses 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) | A - F | $20,000 | N/A |
Travel DelayPays HK$250 for each 6-hour period of delay if:
| A - F | $2,000 | N/A |
Trip Rearrangement
| A - F | $7,500 | N/A |
Loss of Passport | A - F | $2,000 | N/A |
Delay Due to Hijack
| A - F | $2,500 | N/A |
Loss of BaggagePays for accidental loss of or damage to personal baggage. The maximum amount we will pay for:
| A - F | $25,000 | N/A |
Delayed Baggage
| A - F | $1,500 | N/A |
Loss of Documents or Samples
| A - F | $2,500 | N/A |
Loss of Personal Money
| A - F | $3,000 | N/A |
Personal Liability
| A - F | $2,500,000 | N/A |
Rental Vehicle Excess Cover
| A - F | $5,000 | N/A |
Automatic Extension of Cover
| A - F | Covered | Covered |
Important Notes:
- Gold Plan covers all Sections. Silver Plan covers Personal Accident and Medical Expenses only. An additional premium of HK$170 will be charged for each additional section. All “Additional Benefits” are applicable to Gold and Silver Plans.
- “Loss of one limb” is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total loss of use of an entire hand, arm, foot or leg.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
Individual Plan | Annual Premium (HK$) | |
---|---|---|
Class (Personal Accident Sum Insured) | Gold Plan Full Cover | Silver Plan Basic Cover - Personal Accident and Medical Expenses Sections only |
A - 500,000 | $1,620 | $1,150 |
B - 1,000,000 | $1,905 | $1,480 |
C* - 2,000,000 | $2,475 | $1,810 |
D* - 3,000,000 | $3,045 | $2,200 |
E* - 4,000,000 | $3,615 | $2,700 |
F* - 5,000,000 | $4,185 | $3,260 |
*Class C, D, E & F are not applicable to those insured persons above 65 years of age
Family Plan** | Annual Premium (HK$) | |
---|---|---|
Family groupings / Class (Personal Accident Sum Insured) | Gold Plan Full Cover | Silver Plan Basic Cover - Personal Accident and Medical Expenses Sections only |
2 Adults (Parents) & ChildrenClass A - 500,000 Class B - 1,000,000 |
$4,040 $4,755 |
N/A N/A |
1 Adult (Father/Mother) & ChildrenClass A - 500,000 Class B - 1,000,000 |
$2,420 $2,850 |
N/A N/A |
**Family Plans are only applicable to the Full Cover of Gold Plan
Important Notes
- Age Limit : Up to 75 years of age.
- The maximum period of each journey is 90 days. Number of trips per year is unlimited.
- The children benefits of family plan apply only to any insured persons aged under 18. Child aged below 12 must be accompanied by a parent or guardian.
- Each trip should be a round-trip commencing from Hong Kong.
- For insured persons aged below 18, the maximum indemnity will be limited to HK$150,000 per person under Section 1 (Personal Accident). For all insured persons aged below 18, the total maximum indemnity will be limited to HK$450,000 under Section 1 (Personal Accident) and HK$450,000 under Section 2 (Medical Expenses)and the maximum indemnity will be limited to HK$2,5000,000 per person under section 6 (Personal Liability).
- For insured persons aged above 65, Section 1 (Personal Accident) and Section 2 (Medical Expenses) benefits are limited to 25% of maximum Sum Insured, and No Amateur Dangerous Sports and Activities Extension shall apply.
- If you are simultaneously enjoying protection against any act of terrorism under more than one insurance policy underwritten by us, the maximum aggregate limit of indemnity of terrorism cover to which you are entitled will be subject to the terms and conditions of these policies.
- Cover does not begin until the proposal form has been accepted and premium paid, except as provided in writing by MSIG Insurance (Hong Kong) Limited.
- We shall not be liable for any claims arising from manual work undertaken during your trips.
N.B.: This is only a summary of the coverage. For details of terms, conditions and exclusions, please refer to the policy wording. A copy will be provided upon request.
^Important Note: 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 proposal form are subject to levy.
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.
- Any liability arising from a contractual agreement without prior consent of us is not covered
- Any liability arising from the loss of or damage to property which belongs to or is in custody or control of you or your family members is not covered
- Professional or organised dangerous sports or activities
- Manual work undertaken during business trips
- Suicide, intentional self-inflicted injury, insanity, mental or nervous disorders, sleep disorder or psychiatric disorder
- Alcoholic and drug addiction or solvent abuse
- HIV (Human Immunodeficiency Virus) and AIDS (Acquired Immune Deficiency Syndrome)
- Flying activities other than as a fare-paying passenger on a regular or scheduled airline or licensed chartered aircraft
- Air flight crew
- Unlawful acts
- Loss of or damage to any pager, mobile phone (except for the benefit specifically provided under the above Loss of Baggage section) , tablet computer, portable telecommunication equipment, aerial device (i.e. aerial photography equipment) or any of its accessories including sim card or digital storage card and the like
- Loss of or damage to any aerial device and their accessories and spare parts including aerial photography equipment
- Trekking or hiking at an altitude of over 5,000 metres above sea-level or scuba diving to a depth greater than 30 metres below sea-level
- Denting and scratching
- War and terrorism (Except for Terrorism Extended Cover)
- Nuclear weapons and radiation
If you are a Japan enthusiast and planning to go to Japan, MSIG has a special offer for you, allowing you to enjoy your trip to the fullest.
For any tax-free purchases above 10,000yen (excluding tax) at the renowned Japanese Mega Store, Don Quijote, you can enjoy additional 5% discount. Download the coupon now to enjoy the privilege.


Frequently asked questions
Please note that there are three possible scenarios:
- If you choose to cancel your trip, without any signs or symptoms of illness, this would not be covered by your travel insurance.
- If you are diagnosed with, or display signs or symptoms of, serious sickness before you purchase our travel insurance, this would not be covered.
- However, if you are diagnosed with a serious sickness and are certified by a registered Medical Practitioner as unable to travel overseas after purchasing your travel insurance, you may make a claim under the Trip Cancellation section of your policy. Our claims team will assess your claim based on the terms and conditions of your policy.
This scenario is not normally covered by your travel insurance, however we have made special arrangements for this due to the exceptional coronavirus situation. If your trip is cancelled because you are unable to travel or because your destination country has banned flights or immigration from Hong Kong travellers or the travel agent cancels the tour, as a result of COVID-19 outbreak; you can apply for a premium refund of your single trip travel insurance. We also suggest that you check with your travel agent, airline company or hotel in case they can provide you with options for re-scheduling or refunds of your other travel expenses.
Click here to apply for your premium refund.
This scenario is not covered by your travel insurance.