TravelSurance 7.0 (Macau)

The easy way to enjoy travel

TravelSurance 7.0 (Macau)

Plan Highlights

first_row
Extra Benefits for Level 3 and Level 2 Alert Under the Macau Travel Alert System Icon
Extra Benefits for Level 3 / Level 2 Alert Under the Macau Travel Alert System

Up to HK$50,000 and HK$25,000 respectively

Travel Delay Cover Icon
Travel Delay Cover

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

second_row
Dangerous Sports Coverage Icon
Amateur Dangerous Sports and Activities Coverage

Cover at no extra cost

Loss of or Damage to Mobile Phone Icon
Loss of or Damage to Mobile Phone

Up to HK$2,000 (mobile phone cover is for Plan A only and is not applicable to Insured Person(s) who is(are) aged below 18 under Family Plan)

third_row
Trip Cancellation and Curtailment 
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
Trip Rearrangement

Up to HK$7,500 cover for additional transport and accommodation expenses, if your return trip to Macau is unavoidably re-routed, including up to HK$1,000 per day for accommodation expenses

Plan details

Benefits

Benefits at a Glance  Maximum Benefits Payable Per Year (HK$)
  Plan A Plan B Child Plan

Personal Accident

  • Accidental death/permanent total disablement/loss of two limbs or sight in 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)

$1,000,000 $500,000 $250,000
  • Loss of one limb* or sight of 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

Personal Accident

  • 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 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 due to sickness or bodily injury abroad
  • Pays for follow-up medical expenses within 90 days after arrival in Macau up to HK$50,000 including Chinese medical 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 Cash

  • Pays HK$500 per day up to HK5,000 in total when you are hospitalised as an inpatient due to bodily injury or sickness when abroad
$2,000 $1,000 $500

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 Personal Accident & Medical Expenses Sections
$3,000,000 $3,000,000 $3,000,000

Amateur 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 70)
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

 
  • 24-hour worldwide emergency medical evacuation and repatriation after treatment
$2,000,000 $2,000,000 $2,000,000
  • Deposit guarantee for hospital admission
$40,000 $40,000 $40,000
  • Unexpected return to Macau, compassionate visit, children escort arrangements, etc.
Covered Covered Covered

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) or 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 or mechanical and/or electrical breakdown of the public transport or closure of airport which results in delay in departure from Macau for not less than 24 hours

For Level 3 Alert/ Level 2 Alert under the Macau Travel Alert System:

  • If the Level 3 Alert is hoisted, pays up to 100% of the relevant loss and up to 100% of the section limit, or if the Level 2 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 you are staying for another city in order to return to Macau
  • Pays HK$1,000 cash allowance if you must stay overnight in another city waiting for necessary transport to return to Macau
$50,000 $25,000 $15,000

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
  • If 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.
$2,000 $1,500 $1,000

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 for 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 Macau 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
$7,500 $5,000 $2,500

Loss of Passport

  • Pays for additional travel and accommodation expenses which are necessary to obtain a replacement passport if your passport is lost or stolen while you are abroad
$2,000 $2,000 N/A

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$2,000.
  • 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 Plan B and Child Plan).
  • 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.
$20,000 $15,000 $10,000

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
$1,500 $1,000 $500

Personal Money and Documents

  • Covers the loss of cash or travelers’ cheques directly arising from theft, robbery or burglary during the Period of Insurance
  • Reimburses the replacement cost of Macau identity card, credit cards, driving licence, travel tickets, hotel vouchers or passport
$3,000 $2,500 $2,000

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
$2,500,000 $2,500,000 $2,500,000

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
$5,000 $5,000 N/A

Golfers' Hole-in-One

  • Pays for the cost of hospitality if you achieve a “Hole-in-One” in any recognised golf-course
$5,000 $3,000 N/A

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 Travel Delay and Trip Rearrangement Sections
Covered Covered Covered
Important Notes:
  1. Child Plan only applies to those aged below 18. Child aged below 12 must be accompanied by a parent or guardian.
  2. The maximum indemnity under Benefits 1 & 3 for the Insured Person aged above 70 will be limited to only 25%.
  3. The double indemnity for personal accident under Benefit 2 will not be available to those Insured Persons coved under Child Plan or aged over 70 at the time of an accident covered under Plan A / B.

*“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, 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.

Premium

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 Certificate of Insurance has been issued.

Exclusions

  • 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 or portable telecommunication 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 radiations