iTravel Plus (Annual)

iTravel Plus (Annual)

Annual travel protection for frequent travellers

Key Features

  • Unlimited frequency of travel
  • Cover for frequent business travellers: loss of or damage to portable computers, portable office equipment and cameras used in connection with your employment or occupation
  • Black travel alerts benefits for accommodation and transportation expenses

Plan Highlights

  • Reimburses the cost of replacing business records, documents or samples which have been lost or damaged up to HK$2,500
  • Reimburses the transportation costs of sending an employee overseas to replace the insured person who needs to be repatriated to Hong Kong up to HK$20,000
  • Covers amateur dangerous sports4 e.g. hot air ballooning, scuba diving, winter sports, water skiing, rafting, sailing, windsurfing, bungee jumping and horseriding at no extra cost
  • Reimburses rental vehicle excess up to HK$5,000
  • Additional transport and/or accommodation expenses incurred for trip rearrangement, up to HK$7,500
  • Cover for trip cancellation of up to HK$50,000 of unused travel and accommodation (including overseas local tour packages or admission tickets to any major sporting event, concert or theme park etc.) due to a longer than 24-hour delay in departure from Hong Kong caused by:
    1. Adverse weather
    2. Natural disaster
    3. Strike, riot or industrial action
    4. Mechanical and/or electrical breakdown
  • Terrorism extension5 cover of up to HK$3,000,000 per person for accidental death/permanent total disablement, bodily injury, medical expenses and worldwide travel assistance services
  • Accidental death or permanent total disablement (including major burns) cover up to HK$1,000,0001,2,3
  • Covers expenses for overseas medical treatment of up to HK$1,000,0002,3 and overseas hospital cash benefit up to HK$5,000
  • Covers follow-up medical treatment in Hong Kong up to HK$100,000 for maximum 90 days (including registered Chinese medical practitioners’ fee. e.g. bonesetter treatment)
  • Worldwide travel assistance services including medical evacuation and repatriation, children escort arrangements services for unexpected return to Hong Kong etc.

Plan details

Benefits

Benefits at a Glance Maximum Benefits Payable Per Year (HK$)
 

Plan A

Plan B

Personal Accident1,2,3

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

Loss of one limb8 or sight in 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

Medical Expenses1,3

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 registered herbalists, bonesetters and acupuncture’ fees up to HK$150 per visit per day and up to HK$1,500 in total

$1,000,000

$500,000

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

$5,000

$5,000

Terrorism Extension4

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)

$3,000,000

$3,000,000

Amateur Dangerous Sports Coverage5

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 horseriding

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

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

24-hour Worldwide Travel Assistance Services6

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

$2,000,000

$2,000,000

  • Deposit guarantee for hospital admission

$40,000

$40,000

  • Unexpected return to Hong Kong, compassionate visit, children escort arrangements, etc.

Covered

Covered

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 Hong Kong 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 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

$50,000

$25,000

Replacement Employee7

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 $20,000

Travel Delay

Pays HK$250 for each 6-hour period 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, mechanical and/or electrical breakdown of the public transport or
  • your trip is delayed due to serious bodily injury, serious sickness or death of you or your immediate family members, fiancé(e) or close business partner travelling with you abroad
$3,500 $3,000

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 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

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

$2,500

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 valuables or sports equipment is HK$10,000)

$25,000

$15,000

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

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)

$2,500

$2,500

Personal Money, Documents and Additional Accommodation Expenses

  • Covers 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 B9
  • Reimburses the replacement cost of Hong Kong identity card, credit cards, 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
  • 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

$10,000

$5,000

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

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

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 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

Covered

Covered

Important Notes:
  1. The maximum indemnity under the 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.
  2. The maximum indemnity under the Personal Accident Section for an insured person who is under 18 years of age will be limited to $250,000.
  3. For Family Plan, the maximum indemnity under the Personal Accident Section will be limited to $1,500,000 and the maximum indemnity under the Medical Expenses Section will be limited to $3,000,000 for all of the insured persons who are under 18 years of age.
  4. Any wars or acts of terrorism involving the use of biological, chemical agents or nuclear devices are excluded.
  5. The Amateur Dangerous Sports Extension under the 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.
  6. 24-hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Hong Kong.
  7. The Replacement Employee Benefit is only applicable if the insured is either an incorporated or unincorporated company.
  8. "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.
  9. This benefit is not applicable to insured person(s) who is (are) below 18 years of age and insured under a Family Plan.
  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. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.

Premium

Personal Accident Sum Insured Annual Premium (HK$)
 

Individual Plan

Family Plan3,4

A - $1,000,000

$2,173

$5,432

B - $500,000

$1,811

$4,527

Important Notes:
  1. Maximum days per trip is 90 days, each trip should be a round-trip commencing in Hong Kong.
  2. There is no minimum age limit for this plan. Maximum age limit is 75.
  3. Family Plan is only applicable to a legally married couple and any number of your child(ren) under 18 years of age.Child(ren) under 12 years of age must be accompanied by a parent or a guardian in the insured trip.
  4. 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.
  5. iTravel Plus (Annual) is only available for online purchase.

*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 brochure are subject to levy.

This product leaflet is for reference only. Please refer to the policy wording for details for the coverage, terms, conditions and exclusions.

Exclusions

  1. Any liability arising from a contractual agreement without the prior consent of Us is not covered
  2. Any liability arising from the loss of or damage to property which belongs to or in custody or control of You or your family members is not covered
  3. Professional or organised dangerous sports or activities
  4. Trekking or hiking at an altitude of over 5,000 meters above sea-level, scuba diving to a depth greater than 30 meters below sea-level
  5. Manual work undertaken during business trips
  6. Suicide, intentional self-inflicted injury, insanity
  7. Mental or nervous disorders, sleep disorder, psychiatric disorder
  8. Alcoholic and drug addiction or solvent abuse
  9. HIV (Human Immunodeficiency Virus) and AIDS (Acquired Immune Deficiency Syndrome)
  10. Flying activities other than as a fare-paying passenger on a regular or schedule airline or licensed chartered aircraft
  11. Air flight crew
  12. Unlawful acts
  13. War and terrorism (Except for Terrorism Extended Cover)
  14. Nuclear weapons and radiations
  15. Loss of or damage to any pager, mobile phone, 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

Excess

Excess for each and every claim (HK$)  
Loss of Baggage

First $200 of each and every claim

Loss of Business Documents or Samples

Personal Money, Documents and Additional Accommodation Expenses