Brand New Online Travel Insurance

  • Medical Expenses benefits up to HK$1,200,000
  • Coverage for leisure and non-professional sports activities
  • Rental Vehicle Excess Protection Benefit


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Medical Expenses
Maximum Benefits Payable

HK$1,200,000

The cost of qualified medical treatment, surgery and hospitalization arising from sickness or accidental injury. Special: Coverage for leisure and non-professional sports activities.

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.

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.)

Special: Coverage for leisure and non-professional sports activities including 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. Hospital Income
10,000
10,000
10,000

HK$500 per each complete day of the Insured's hospital confinement

1H. Translation Service
5,000
4,000
3,000

HK$500 per each complete day of the translator/interpreter services

1I. 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)
10,000
(HK$1,500 / item or pair)
5,000
(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

Reimburse expenses of irrecoverable prepaid airfares, tour cost and accommodation if the Insured's trip is cancelled due to strike or riot; bodily injury, sickness or death of the Insured, immediate family members or close business partner; jury services or the Insured's residence destroyed by adverse weather; natural disaster, infectious disease, unanticipated outbreak of industrial action involving the arranged public conveyance, act of terrorist, riot or civil commotion

3B. Trip Curtailment
30,000
20,000
10,000

Reimburse irrecoverable unused portion of prepaid travel fare or accommodation deposit and the additional public transportation expenses or tour package and admission tickets for major sports events, musicals, concerts, museums, and theme parks due to bodily injury, sickness or death of the Insured, immediate family members or close business partner

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. 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

3F. Document Loss
10,000
5,000
2,500

Cost of obtaining replacements of travel documents and tickets, additional transportation and accommodation expenses

3G. 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

4C. Hospital Income Plus
5,000
3,000
1,500

The cost of the medical treatment, surgery and hospitalization arising from sickness or accidental injury with the hospital income allowance of HK$300 per calendar day within 90 days after the return to Hong Kong

4D. Hotel Room Accommodation for the convalescence
1,200/day
1,000/day
800/day

Up to 5 consecutive days of the hotel room accommodation for the convalescence of the Insured

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)
60,000
(HK$1,000 / item or pair)
30,000
(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.
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