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Plan Highlights 
Product Coverage 
Premium 
Major Exclusions 

Apply Online to Enjoy 30% Premium Discount +

Get 1 free Pacific Coffee short size coffee eCoupon

(with net discounted premium $350 or above) OR

Every HK$3 net premium spent = Earn 3 Asia Miles

Offer period: Now to 25 Oct 2018

 

Benefits

Coverage

Maximum Benefits Payable (HK$)

Plan A

Plan B

1.

Personal Accident1,2,3

Accidental Death/Permanent Total Disablement/Loss of two limbs 7 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.)

1,000,000

500,000

Loss of one limb7 or sight of one eye/Permanent Total Loss of speech or hearing.

500,000

250,000

Covers 3rd degree burns of the minimum percentage of the surface area of your body as specified in the policy.

1,000,000

500,000

2.

Medical Expenses2,3

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 Hong Kong up to HK$100,000 including bonesetters’ fees up to HK$150 per visit per day and up to HK$1,500 in total.

1,000,000

500,000

3.

Hospital Cash

Pays HK$500 per day when you are hospitalised as an inpatient due to bodily injury or sickness when abroad.

5,000

4.

Worldwide Travel Assistance Services6

24-hour worldwide emergency medical evacuation repatriation after treatment.

 

Deposit guarantee for hospital admission.

 

Unexpected return to Hong Kong, Compassionate Visit, Children Escort Arrangements, etc.

2,000,000

 

40,000(as stated in Policy Appendix)

 

Covered

5.

Terrorism Extension5 
(Applicable to the above Benefits 1-4)

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 and Medical Expenses Sections.

3,000,000

6.

Amateur Dangerous Sports Coverage4

Pays you in the event of accidental death or bodily injury while you are taking part in hot-air ballooning, scuba diving, winter sports, water skiing, rafting, sailing, windsurfing, bungee jumping and horse riding.

Up to 500,000 benefits under the Personal Accident and Medical Expenses Sections

Up to 250,000 benefits under the Personal Accident and Medical Expenses Sections

7.

Trip Cancellation and Curtailment

Reimburses expenses of unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, concert or theme park etc.) 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; 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 which results in delay in departure from Hong Kong for not less than 24 hours.

 

For Black Alert under the Outbound Travel Alert System:

  • 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 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.

50,000

25,000

8.

Replacement

Employee9

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.

20,000

9.

Travel Delay

Pays HK$250 for first 6 hours of delay and each subsequent period of 12 hours 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 or mechanical and/or electrical breakdown of the public transport or
  • your trip is delayed due to the death, serious bodily injury or serious sickness of you, your immediate family members, fiancé(e) or close business partner travelling with you abroad.

3,500

3,000

10.

Trip Rearrangement

Reimburses unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, concert or theme park etc.) 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.

Pays for accommodation expenses up to HK$1,000 per day

7,500

5,000

11.

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.

2,500

12.

Loss of Baggage

Pays for accidental loss of or damage to personal baggage. 
(The maximum cover for any single article, pair or set of articles is HK$3,000 and the overall limit for all sports equipment is HK$10,000)

 

(Excess HK$200)

25,000

15,000

13.

Delayed Baggage

Pays for the cost of emergency purchase of essential clothing or toiletries if your baggage is delayed for more than 12 hours on the outward journey.

1,500

1,000

14.

Loss of Business 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)

 

(Excess HK$200)

2,500

15.

Personal Money, Documents and Additional Accommodation Expenses

Cover the loss of cash or travellers cheques directly arising from theft, robbery or burglary during the Period of Insurance, subject to a maximum amount of HK$3,000 for Plan A and HK$2,000 for Plan B.8

 

Reimburses the replacement cost of HK identity card, credit cards, driving license, 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.

 

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.

 

(Excess HK$200)

10,000

5,000

16.

Personal Liability

Pays for any amount 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

17.

Rental Vehicle Excess

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

5,000

18.

Automatic Extension of Cover
(Applicable to the above Benefits 2, 9, 10 and 11)

Cover is automatically extended free of charge up to 14 days in the event of delays due to unforeseen events covered under Travel Delay Section(Travel Delay, Trip Rearrangement, Delay Due to Hijack).

 

Cover is automatically extended free of charge up to 30 days in the event of delays due to bodily injury or illness covered under Medical Expenses Section.

Covered

 

 

Important Notes:

  1. The maximum indemnity under Personal Accident Section for an Insured Person who is under 18 years of age will be limited to $250,000.
  2. The maximum indemnity under Personal Accident and Medical Expenses Sections for an Insured Person who is over 65 years of age will be limited to only 25% of maximum indemnity.
  3. For Family Plan, the maximum indemnity under Personal Accident Section will be limited to $1,500,000 and the maximum indemnity under Medical Expenses Section will be limited $3,000,000 for all of the Insured Persons who are under 18 years of age.
  4. The Amateur Dangerous Sports Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 65 years of age at the time of accident.
  5. Any wars or act of terrorism involved in the use of biological, chemical agents or nuclear devices are excluded.
  6. 24-hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Hong Kong.
  7. "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.
  8. This benefit is not applicable to Insured Person(s) is (are) below 18 years of age and insured under a Family Plan.
  9. The Replacement Employee Benefit is only applicable if the Insured is either an incorporated or unincorporated company.
  10. Collection of Levy on Insurance Premium: 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 webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy

 

 

 

 

In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
 
        
   
 
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