Annual TravelSurance 4.0

Annual TravelSurance 4.0

Perfect for frequent travellers

Key Features

  • Extra benefits provided for Black Alert and Red Alert underthe Outbound Travel Alert system up to HK$50,000 and HK$25,000 respectively
  • Pays HK$250 for each 6-hour period of delay, up to HK$2,000
  • No excess

Plan Highlights

  • Dangerous Sports and Activities* cover at no extra cost
  • Loss of Baggage extended to cover loss of or damage to mobile phone^ up to HK$2,000
  • Natural disaster cover
  • Trip Cancellation and Curtailment Cover of 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
  • Additional transport and/or accommodation expenses incurred for trip rearrangement of up to HK$7,500 
  • Covers unused overseas local tour packages or admission tickets to any major sporting event, musical, concert, museum or theme park due to trip cancellation and curtailment or trip rearrangement
  • Third degree burns cover of up to HK$250,000
  • Terrorism cover of up to HK$3,000,000 per person for accidental death, bodily injury, medical expenses and worldwide travel assistance services
  • Hospital cash benefit of up to HK$5,000
  • Personal accident cover of up to HK$1,000,000
  • 24-hour worldwide travel assistance services
  • Full-year protection with unlimited trips
  • Automatic extension of cover#

*Dangerous Sports and Activities Extension including 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 65)
^ This benefit is applicable to Gold Plan and those aged over 18 only.
#A free extension of up to 14 days cover will be given in the event of delays due to unforeseen events covered under the travel delay section (travel delay, trip rearrangement, delay due to loss of passport, delay due to hijack), or 30 days in the event of delays due to your bodily injury or illness covered under the medical expenses section.

Plan details

Benefits

Benefits at a Glance  Class Maximum Benefits Payable Per Year (HK$)
Gold Plan Silver Plan

Personal Accident

Pays 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

  • 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 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 Chinese medicine practitioners’ fees up to HK$150 per visit per day and up to HK$1,500 in total.
A - F $1,000,000 $1,000,000

Hospital Cash

Pays 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 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 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

  • 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 65)
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​​​​​​

 

  • 24-hour worldwide emergency medical evacuation and repatriation after treatment

A - F

$2,000,000

$2,000,000

  • Deposit guarantee for hospital admission

A - F

$40,000

$40,000

  • Unexpected return to Hong Kong, compassionate visit, children escort arrangements, etc.
A - F 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), 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:

  • If the Black Alert is hoisted, pays up to 100% of the relevant loss and up to 100% of the section limit, or if the Red 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 in which 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
A - F

$50,000

N/A

Replacement Employee

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. (This is only applicable if the insured is either an incorporate or unincorporate company)

A - F

$20,000

N/A

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
  • 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
A - F

$2,000

N/A

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 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 or closure of the airport
  • Pays for accommodation expenses up to HK$1,000 per day
A - F

$7,500

N/A

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
A - F

$2,000

N/A

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
A - F

$2,500

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$3,000
  • 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 Sliver Plan and the Insured Person(s) is(are) below 18 years of age)
  • 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
A - F

$25,000

N/A

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
A - F

$1,500

N/A

Loss of 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)
A - F

$2,500

N/A

Loss of Personal Money

  • Covers the loss of cash or travellers' cheques directly arising from theft, robbery or burglary during the journey
  • Reimburses the replacement cost of Hong Kong identity card, credit card, driving licence, 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
A - F

$3,000

N/A

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
A - F

$2,500,000

N/A

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
A - F

$5,000

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 Trip Delay Section (Travel Delay, Trip Rearrangement, Delay Due to Loss of Passport, Delay Due to Hijack)
  • Cover is automatically extended free of charge up to 30 days in the event of delays due to bodily injury/ sickness covered under the Medical Expenses Section
A - F

Covered

Covered

Important Notes:
  1. 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.
  2. “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.

Premium

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) & Children

Class A - 500,000

Class B - 1,000,000

 

$4,040

$4,755

 

N/A

N/A

1 Adult (Father/Mother) & Children

Class 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 : Below 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.

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, 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