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TravelSurance 7.0
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 phone8
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$1,000 per day for accommodation expenses
3 exclusive travel privileges to elevate your travel experience
Privilege 1 - MSIG Easy Lounge
At over 1,600 airports worldwide, if your flight is delayed for 60 minutes or more, you and up to 5 travel companions can access designated airport lounges for free, regardless of the reasons. Enjoy complimentary food and beverages, Wi-Fi services, and charging facilities.
Privilege 2 - Overseas medical teleconsultation
If you unfortunately fall ill while traveling, you can use the DrGo App to schedule a free overseas medical teleconsultation via a third -party platform. In addition to designated local registered doctors at your destination, you can also book a Hong Kong doctor for a second medical opinion, ensuring you receive the necessary medical support.
This service is only available in Japan, Singapore, Thailand, Vietnam, and the Philippines, subject to relevant terms and conditions.
Privilege 3 - Door-to-door luggage repair service
If your luggage is unfortunately damaged during your trip, you can contact MSIG luggage repair specialist at +852 2410 8022 or WhatsApp at +852 6645 0349 after returning to Hong Kong. The repair company will pick up your luggage for repair and deliver it back to your home once the repair is completed. This service is completely free of charge, eliminating the inconvenience of transporting the luggage yourself, making it convenient and efficient.
Select plans to compare
| Benefits at a Glance | Maximum Benefits Payable (HK$) | ||
|---|---|---|---|
| Plan A | Plan B | Child Plan | |
Personal AccidentAccidental death/permanent total disablement/loss of two limbs or sight in both eyes/permanent total loss of speech and hearing | $1,000,000 | $500,000 | $250,000 |
| Loss of one limb6 or sight in one eye/permanent total loss of speech or hearing | $500,000 | $250,000 | $125,000 |
| Covers 3rd degree burns of the minimum percentage of the surface area of your body as specified in the policy | $500,000 | $250,000 | $125,000 |
| Double indemnity for Accidental Death while you are travelling in a private car or as a fare-paying passenger on public transport (e.g. scheduled flight, train) or in any armed robbery or attempted armed robbery | $2,000,000 | $1,000,000 | N/A |
Medical ExpensesPays 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 due to sickness or bodily injury abroad Pays for follow-up medical expenses within 90 days after arrival in Hong Kong up to HK$50,000 including Chinese medicine practitioners' fees up to HK$150 per visit per day and up to HK$1,500 in total | $1,000,000 | $500,000 | $250,000 |
Hospital CashPay HK$500 per day when you are hospitalised as an inpatient due to bodily injury or sickness when abroad | $2,000 | $1,000 | $500 |
Terrorism Extension7Extends 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 | $3,000,000 | $3,000,000 | $3,000,000 |
Dangerous Sports and Activities Coverage
| 50% of the maximum benefits under the Personal Accident ＆ Medical Expenses Sections | 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 | |||
| $2,000,000 | $2,000,000 | $2,000,000 |
| $40,000 | $40,000 | $40,000 |
| Covered | 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:
| $50,000 | $25,000 | $15,000 |
Travel DelayPays HK$250 for each 6-hour period of delay if:
| $2,000 | $1,500 | $1,000 |
Trip Rearrangement
| $7,500 | $5,000 | $2,500 |
Loss of Passport
| $2,000 | $2,000 | N/A |
Loss of BaggagePays for accidental loss of or damage to personal baggage. The maximum amount we will pay for:
| $20,000 | $15,000 | $10,000 |
Delayed Baggage
| $1,500 | $1,000 | $500 |
Personal Money and Documents
| $3,000 | $2,500 | $2,000 |
Personal Liability
| $2,500,000 | $2,500,000 | $2,500,000 |
Rental Vehicle Excess Cover
| $5,000 | $5,000 | N/A |
Golfers' Hole-in-One
| $5,000 | $3,000 | N/A |
Automatic Extension of Cover
| Covered | Covered | Covered |
Important Notes:
- Child Plan only applies to those aged below 18. Child aged below 12 must be accompanied by a parent or guardian.
- Plan A and Plan B only apply to those aged between 18 to 85.
- The maximum indemnity under Personal Accident and Medical Expenses Sections for an insured person aged above 70 will be limited to only 25%.
- The double indemnity for personal accident will not be available to those insured persons covered under Child Plan or aged over 70 at the time of an accident covered under Plan A /B.
- Automatically extended for a maximum of 14 days if the trip of the insured person is delayed due to unforeseen events covered under the Travel Delay, Trip Rearrangement and Loss of Passport Sections.
- “Loss of one limb” is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total loss of use of an entire hand, arm, foot or leg.
- Any acts of terrorism involving the use of biological or chemical agents, or nuclear devices are excluded.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
Select plans to compare
| Days | Premium (HK$) | ||
|---|---|---|---|
| Plan A | Plan B | Child Plan | |
| 2 | 164 | 114 | 87 |
| 3 | 204 | 139 | 105 |
| 4 | 236 | 160 | 124 |
| 5 | 254 | 179 | 143 |
| 6 | 273 | 197 | 161 |
| 7 | 293 | 209 | 174 |
| 8 | 310 | 223 | 186 |
| 9 | 329 | 236 | 197 |
| 10 | 348 | 242 | 205 |
| 11 | 367 | 247 | 211 |
| 12 | 380 | 254 | 217 |
| 13 | 392 | 260 | 223 |
| 14 | 405 | 266 | 229 |
| 15 | 417 | 273 | 236 |
| 16 | 430 | 279 | 242 |
| 17 | 442 | 286 | 247 |
| 18 | 455 | 292 | 249 |
| 19 | 467 | 299 | 253 |
| 20 | 480 | 305 | 257 |
| 21 | 493 | 311 | 259 |
| 22 | 505 | 317 | 264 |
| 23 | 518 | 323 | 268 |
| 24 | 530 | 331 | 272 |
| 25 | 543 | 336 | 274 |
| 26 | 560 | 342 | 278 |
| 27 | 575 | 350 | 281 |
| 28 | 591 | 355 | 285 |
| 29 | 608 | 362 | 289 |
| 30 | 625 | 369 | 292 |
| 31 up to 182 | HK$16 for each additional day | HK$13 for each additional day | HK$9 for each additional day |
Important Notes:
- Age Limit: up to 85 years of age.
- Maximum Days Per Trip: 182 days.
- Child Plan only applies to those aged below 18. Child aged below 12 must be accompanied by a parent or guardian.
- Plan A and Plan B only apply to those aged 18 to under 85.
- The maximum indemnity under Personal Accident and Medical Expenses Sections for the Insured Person aged aged above 70 will be limited to only 25% of the sum insured.
- The double indemnity benefit under Personal Accident section will not be available to those Insured Persons covered under Child Plan or aged over 70 at the time of an accident covered under Plan A/B.
- 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 the premium paid, except as provided in writing by MSIG Insurance (Hong Kong) Limited.
- No refund of the premium is allowed once the policy document /certificate of insurance has been issued.
^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 e ect from 1st January 2018. As a result, all premium amounts shown in this product brochure are subject to levy.
Important Notes:
- 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.
