Rental Vehicle Excess Coverage
Maximum Benefits Payable
HK$10,000
All travel insurance plans are include the Rental Vehicle Excess Coverage.
Rental Vehicle Excess Coverage
Rental Vehicle Excess Coverage
Due to the severe situation of COVID-19, our Kwun Tong office will be closed for thorough sanitization, some services may be affected. The company will resume normal on Wednesday, September 7, 2022. We apologised for any inconvenience caused.
- 2022-09-04
Due to the severe situation of COVID-19, our Kwun Tong office will be closed today for thorough sanitization, some services may be affected. The company will resume normal on Monday, February 21, 2022. We apologised for any inconvenience caused.
- 2022-02-18
31/01/2022 office hours: from 9:00 a.m. to 1:00 p.m., sorry for any inconvenience caused
- 2022-01-24
31/12/2021 office hours: from 9:00 a.m. to 4:00 p.m., sorry for any inconvenience caused
- 2021-12-29
Removal Notice：Please be informed that starting from 7 June 2021, our company has been moved to 1901A, 19/F, NEO, 123 Hoi Bun Road, Kwun Tong, Kowloon, Hong Kong. All telephone and fax number will remain unchanged.
- 2021-06-03
Policy Benefits
Benefits
Deluxe
Leisure
Relax
Maximum Benefits Payable (HK$)
1A. Medical Expenses
1,200,000
600,000
300,000
The cost of qualified medical treatment, surgery and hospitalization arising from sickness or accidental injury or Coronavirus Disease.
Up to 10% of Medical Coverage amount for follow-up expenses incurred within 90 days after the return to Hong Kong. (Applicable to Physical cure and Chinese Medicine Practitioner including Chinese bone-setting and acupuncture treatment. Max HK$200 per day.)
Sum-limit benefits for suffering from Coronavirus Disease is HK$5000
Special: Coverage for leisure and non-professional sports activities including but not limit to skiing and other winter sports, diving, parachuting, bungee jumping, hiking, and all water sports.
1B. 24-Hour Worldwide Emergency Medical
Unlimited
Unlimited
Unlimited
- Call 2851 1990 for 24-Hour worldwide emergency medical evacuation by using helicopter and repatriation after treatment.
- 24-Hour medical referral services
1C. Return of Mortal Remains
Unlimited
Unlimited
Unlimited
Repatriation of the Insured's mortal remains back to Hong Kong
1D. Personal Accident
1,200,000
600,000
300,000
Accidental Death/Permanent Total Disablement within 365 days of the accident. For third degree burns with burnt areas to or greater than 5% of total surface area
1E. Transport Hazards
1,200,000
600,000
300,000
Personal accident benefits will be doubled if the Insured is travelling as a fare paying passenger on board a public conveyance or a coach being arranged by the travel agent
1F. Consolation Benefits
20,000
10,000
5,000
An immediate cash relief will be paid in the event of death due to sickness
1G. Translation Service
5,000
4,000
3,000
Cover translator/interpreter services expenses incurred due to sickness, accidental injury or Coronavirus Disease (HK$500 per each complete day)
1H. Funeral Expense
10,000
10,000
10,000
Cost of necessary formalities, burial and funeral expenses
2A. Personal Baggage
20,000
(HK$2,000 / item or pair)
(HK$2,000 / item or pair)
10,000
(HK$1,500 / item or pair)
(HK$1,500 / item or pair)
5,000
(HK$1,000 / item or pair)
(HK$1,000 / item or pair)
Loss, physical breakage or damage directly resulting from theft, robbery, burglary or accident of the Insured's property
2B. Personal Money
3,000
2,000
1,000
Loss of banknotes, cash and traveler cheques arising from theft, robbery, burglary. The Insured should report to the local police within 24 hours of the accidents
2C. Emergency Cash
10,000
5,000
2,500
Emergency cash with up to HK$500 per calendar day obtaining replacements of the travel documents at overseas. The Insured should report to the local police within 24 hours for the loss of/damage to the travel documents
3A. Trip Cancellation
30,000
20,000
10,000
Irrecoverable prepaid travel ticket, travel expenses, hotel and major sports events, musicals, concerts, museums, theme park tickets in the event of:
The insured person, his family member or his Travel Companion was accidentally injured or serious sickness or died suddenly; the insured person served as a jury, unexpected outbreak of strike or riot, Act of terrorism, pandemic, natural disaster or adverse weather conditions, unexpected issuance of OTA Alert being black.
3B. Trip Curtailment
30,000
20,000
10,000
Irrecoverable prepaid travel ticket, travel expenses, hotel and major sports events, musicals, concerts, museums, theme park tickets in the event of:
The insured person, his family member or his Travel Companion was accidentally injured or serious sickness or died suddenly; unexpected outbreak of strike or riot, Act of terrorism, pandemic, natural disaster or adverse weather conditions, unexpected issuance of OTA Alert being black.
3C. Trip Re-route
10,000
7,500
5,000
Reimburse additional reasonable transport expenses due to the derangement for the public transport which results in delay in departure.
3D. Travel Delay
12,000
6,000
3,000
The delay of scheduled public conveyance over 6 consecutive hours due to adverse weather conditions, riot, hijack, natural disaster, infectious disease, unanticipated outbreak of industrial action involving the arranged public conveyance, act of terrorist, civil commotion, the Insured can claim for cash allowance of HK$300 for each full 6-hour delay
3E. Subsidy for Overseas Quarantine Hotel Cost
3,500
2,500
1,500
Reimburse additional extra overseas quarantine hotel cost for extension of coverage against COVID-19, cover HK$500 per day per room.
3F. Baggage Delay
1,000
750
500
Pays for the cost of the emergency purchase of essential items if your baggage is delayed more than 10 consecutive hours on the outward journey
3G. Document Loss
10,000
5,000
2,500
Cost of obtaining replacements of travel documents and tickets, additional transportation and accommodation expenses
3H. Rental Vehicle Excess Coverage
Maximum HK$10,000 per insured person/per rental vehicle concurrently.
If the insured person rents or hires a rental vehicle in the course of the insured journey which is involved in a collision whilst under the control of the insured person or such vehicle is stolen or damaged and the rental agreement includes an excess (or deductible or similar condition), the Company will reimburse the insured person for the rental vehicle excess up to the maximum benefits as stated in the Table of Benefits for the liable loss or damage of the rental vehicle. In no event shall this benefit be paid more than once per insured journey. It is a condition of this rental vehicle excess coverage that in the event of a traffic accident or car theft, the insured person shall make a report to the local Police
Special Arrangements
Deluxe
Leisure
Relax
4A. Care Visit
20,000
10,000
5,000
For up to one immediate family member who incurs reasonable additional accommodation and round-trip transport expenses to take care of the Insured who has been hospitalized for more than 7 consecutive days
4B. Child Escort
20,000
10,000
5,000
Reasonable additional accommodation and travelling expenses for unattended insured children return to the Place of Origin due to the bodily injury or sickness or the Insured who has been hospitalized
5. Personal Liability
1,000,000
750,000
500,000
Indemnity against legal liability to the third party in respect of accidental bodily injury or property damage
6. Home Protection
120,000
(HK$1,000 / item or pair)
(HK$1,000 / item or pair)
60,000
(HK$1,000 / item or pair)
(HK$1,000 / item or pair)
30,000
(HK$1,000 / item or pair)
(HK$1,000 / item or pair)
Loss of the household contents of the Insured's unoccupied home in Hong Kong arising from burglary during the journey
7. Golfing 'Hole in One'
3,000
2,000
1,000
Expenses payable in the event of the Insured achieving a 'Hole-in-one' at any recognized golf course
8. Credit Card Protection
5,000
5,000
5,000
In the event of accidental death of the insured person during the journey, any outstanding amount charged to his/her credit card(s) for any goods purchased during the journey will be reimbursed
Policy Exclusions
Major Exclusions
- Pre-existing, congenital or heredity condition.
- Contrary to doctor's advice, or obtaining medical treatment is a purpose of trip.
- Suicide, attempted suicide or intentional self-infliction of bodily injury.
- Abortion, miscarriage, normal pregnancy or resulting childbirth.
- Dental care (unless resulting from accidental injury to sound and natural teeth).
- Mental or nervous disorders, insanity.
- War or warlike actions, civil war, revolution, riot and strike, performing armed forces duties, police, volunteer and engaged in war or crime suppression.
- Professional sports, racing except on foot, mountaineering.
- Prohibition or regulation by any government, or customs detention.
- Unlawful, willful, malicious acts of the Insured.
- Under the influence of alcohol or drugs.
- Riding in any aircraft except as a fare-paying passenger in a fully licensed aircraft flown by a qualified pilot.
- Committing a felony or while under arrest because of commission of a felony.
- Nuclear weapons, radiation, radioactivity.
- AIDS, HIV sero-positive or relevant disease, sexually transmitted diseases.
- Manual labor or hazardous work, offshore drilling, mineral extraction, handling of explosives, site working, stunt work and aerial photography.
- SARS exclusion will be limited to countries or cities that the World Health Organization(WHO) has imposed with travel warning.
- Loss of or damage to any pager, portable telecommunication equipment, computer equipment, software and accessories.
- Black Travel Warning Limitation And Exclusion Clause.
- Sanction Limitation and Exclusion Clause.
This is not a complete list of exclusions. Please read your policy or Certificate of Insurance carefully for a full listing of exclusions. If you have any questions please contact us for details.
Claims Guidelines
How to claims
- In case of Emergency, call local concerned authorities or our IPA Hotline. The hotline number is printed on your electronic policy.
- Collect all original receipts, reports and documents which can serve as a proof of your loss.
- For Baggage, Money or Document losses, report to local police or concerned organizations at your earliest within 24 hours.
- For losses such as Delay, Re-route or Emergency Cash, collect reports from the concerned Airlines, Travel Providers or Local Consulate.
