Travel Insurance

1. The maximum indemnity under Personal Accident and Medical Expenses sections for the Insured Person aged above 65 will be limited to only 50% of the sum insured. 

2. For family plan, the maximum indemnity under Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under Medical Expenses Section will be limited to HK$3,000,000 for all of the Insured Persons who are under 18 years of age. 

3. We will cover death or permanent disablement arising out of bodily injury and the necessary medical expenses incurred if you suffer from bodily injury or sickness whilst you are taking part in the capacity of an amateur in hot-air ballooning, scuba diving to a depth not greater than 30 meters below sea-level, recreational alpine skiing or snowboarding, tobogganing or sledding, marathon, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping,horse riding, trekking or hiking at an altitude of below 5,000 meters above sea-level, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities.

4. The Double Indemnity benefit only applicable to Insured Persons who are aged between 18 and 70 at the time of an accident.

5. For family plan, the maximum amount we will pay under Family Assistance Benefit is HK$20,000 for Plan A and HK$10,000 for Plan B. 

6. No benefit will be payable if the Insured Persons who are below 18 years of age 

7. You can only claim one of these benefits under Section 2 – Hospital cash and quarantine allowance in respect of any losses arising from the same cause. 

8. Only applicable to Insured Persons who are aged below 65 for bodily Injury or sickness.

9. You can only claim under either Section 3 or Section 4 in respect of any losses arising from the same cause.

10. You can only claim under Section 3.1 – Travel Cancellation, Section 3.3 – Travel Postponement, Section 3.4 – Replacement of Traveller, Section 3.5 – Replacement of Employee or Section 3.6 – Insolvency of Licensed Travel Operator results from the same event, we will pay for the claim under one of the sections only.

11. Only applicable to policyholder who is an incorporated or unincorporated company 

12. You can only claim either Black Alert, Red Alert or Amber Alert, in respect of any losses arising from the same cause.

13. You can only claim under either Section 4.1 – Travel Delay, Section 4.2 - Trip Rearrangement, Section 4.4 – Overbooked Flight or Section 4.5 – Missed travel connection, but not more than one, in respect of any losses arising from the same cause.

14. You will become eligible for the MSIG Easy Lounge service once you register your flight at least 24 hours before the scheduled departure.

15. For family plan, this benefit is not applicable to the Insured Person(s) is(are) below 18 years of age. 

16. Not applicable to the Insured Persons who are below 18 years of age. 

17. Asia: Listed countries and areas in Asia including China, Macau, Brunei, Cambodia, Indonesia, Japan, Korea, Laos, Malaysia, Myanmar, Philippines, Singapore, Taiwan, Thailand and Vietnam.

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.