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Latest Promotion
Single Travel
Annual Travel
Latest Promotion
  • Travel Insurance Promotions
Make your holiday truly stress free. From 24 Feb to 30 Mar 2017, apply MSIG Travel Insurance online in Hong Kong to enjoy fabulous offer on our travel insurance quotes:
Insurance Plan Promotion Offer
i-Travel (Single Trip) 45% OFF
i-Travel (Annual Trip)
30% OFF

Get a travel insurance quote today and find out how easy it could be to ensure peace of mind when overseas. Buy travel insurance online for you and your family on holiday or get annual travel insurance for your employees from one of Hong Kong’s preferred providers and protect yourself.

When you buy travel insurance, buy it from a company who’s been providing insurance solutions for more than 150 years.

Please quote online now and get your travel insurance quote today. 


Terms and Conditions:
  1. The promotion period is between 24 Feb and 30 Mar 2017 (both days inclusive) (the "Promotion Period").
  2. Offers under the promotion are available to successful applicants of i-Travel (Single Trip) and i-Travel (Annual Trip) travel insurance of MSIG Insurance (Hong Kong) Limited ("MSIG") through online during the Promotion Period ("Eligible Customer").
  3. Customer who held i-Travel (Annual Trip) Insurance in the past 3 months (calculated from the date of application) will not be eligible for the 30% premium discount for the first policy year. And the premium discount for the i-Travel (Annual Trip) Insurance is only applicable to the first year premium of the policy.
  4. MSIG reserves the right to alter or terminate the promotional offers and/or amend the terms and conditions at any time without notice.
  5. All matters or disputes in relation to the promotional offers and the interpretation of terms and conditions herein shall be subject to the decision of MSIG, which shall be final and binding.
  6. If there is any inconsistency or conflict between the English and the Chinese versions of these terms and conditions and any details of the promotional offers, the English version shall prevail.
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Details

 

Single Travel
  • Product Features
  • Benefits Table
  • Premium
  • Major Exclusions
  • Black Travel Alert benefits for accommodation and transportation expenses
  • Covers Amateur Dangerous Sports1 e.g. hot-air ballooning, scuba diving, winter sports, water skiing, rafting, sailing, windsurfing, bungee jumping and horse riding at no extra cost
  • Reimburses Rental Vehicle Excess up to HK$5,000
  • Cover for Trip Cancellation up to HK$50,000 due to an over 24-hour delay in departure from Hong Kong caused by:
    • Adverse weather
    • Natural disaster
    • Strike, Riot or Industrial action
    • Mechanical and/or electrical breakdown/derangement
  • Terrorism2 cover 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 cover up to HK$1,000,000
    • Double Indemnity3 for Personal Accident cover on public common carrier up to HK$2,000,000
    • 3rd Degree Burn up to HK$1,000,000
    • HK$50,000 Advance Cash Relief Payment for Accidental Death
  • Covers expenses on Overseas Medical Treatment up to HK$1,000,0004,5 and Follow Up Medical Treatment in Hong Kong up to HK$50,000 for maximum 90 days (including Registered Chinese Medical Practitioners’ fee E.g. Bonesetter treatment)
  • Worldwide Travel Assistance Service including medical evacuation & repatriation, children escort arrangements services for unexpected return to Hong Kong etc.

Important Notes:
  1. The Amateur Dangerous Sports Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 70 years of age at the time of an accident.
  2. Any wars or act of terrorism involved in the use of biological, chemical agents or nuclear devices are excluded.
  3. The Double Indemnity benefit under Personal Accident Section will not be available to those Insured Persons who are under 18 or over 70 years of age at the time of an accident.
  4. 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 to $3,000,000 for all of the Insured Persons who are under 18 years of age.
  5. The maximum indemnity under Personal Accident and Medical Expenses Sections for an Insured Person who is over 70 years of age will be limited to only 25% of maximum indemnity.
  6. The maximum indemnity under Personal Accident Section for the Insured Person who is under 18 years of age will be limited to $250,000.
  7. There is no minimum age limit for this plan. Maximum age limit is 75.
  8. i-Travel (Single Trip) is only available for online purchase.
  9. Maximum days per trip is 182 days. Each trip should be commenced in Hong Kong.
 
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
Benefits
Coverage
Maximum Benefits Payable (HK$)
Plan A
Plan B
1. Personal Accident
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.)
1,000,000
500,000
Loss of one limb 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. Double Indemnity for Personal Accident
Double indemnity for Accidental Death while you are travelling in a private car or as a fare-paying passenger on public transport (e.g. scheduled flight, train) or in any armed robbery or attempted armed robbery.
2,000,000
1,000,000
3. 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 due to sickness or bodily injury abroad.

Pays for follow-up medical expenses within 90 days after arrival in Hong Kong up to HK$50,000 including Chinese medical practitioner's fees up to HK$150 per visit per day and up to HK$1,500 in total.
1,000,000
500,000
4. Worldwide Travel Assistance Services
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 Extension
(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 Coverage
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 under the Personal Accident Medical Expenses Sections
Up to 250,000 under the Personal Accident Medical Expenses Sections
7. Trip Cancellation and Curtailment
Reimburses expenses of unused travel and accommodation if your trip is cancelled or curtailed due to bodily injury, 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/derangement 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. Travel Delay
Pays HK$250 for each period of 8 hours 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 or mechanical and/or electrical breakdown/derangement of the public transport or
  • your trip is delayed due to the death, bodily injury or sickness of you, your immediate family members, fiancé(e) or close business partner travelling with you abroad.
3,500
3,000
9. Missed Departure
Reimburses additional transport expenses incurred in reaching your planned destination or for your return trip to Hong Kong if you miss your departure as the direct result of the failure of public transport to get you to the departure port or airport due to strike or industrial action, riot, hijack, adverse weather conditions or natural disaster directly resulting in suspension of public transport. Pays for additional transport and accommodation if your return trip to Hong Kong is unavoidably re-routed with aforementioned reasons (maximum benefit of HK$5,000)
15,000
12,500
10. 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$2,000 and the overall limit for all sports equipment is HK$5,000)

(Excess HK$200)
20,000
15,000
11. 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
12. Personal Money and Documents
Cover the loss of cash or travellers cheques directly arising from theft, robbery or burglary during the Period of Insurance.

Reimburses the replacement cost of HK identity card, credit cards, driving licence, travel tickets, hotel vouchers or 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.

(Excess HK$200)
10,000
5,000
13. 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
14. 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
15. Golfers' Hole-in-One
Pays for the cost of hospitality if you achieve a “Hole-in-One” in any recognized golf-course.
5,000
3,000
16. Automatic Extension of Cover
(Applicable to the above Benefits 8 and 9)
Cover is automatically extended free of charge in the event of delays due to unforeseen events covered under Travel Delay and Missed Departure Sections.
Up to 14 days
Important Notes:
  1. The Amateur Dangerous Sports Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 70 years of age at the time of an accident.
  2. Any wars or act of terrorism involved in the use of biological, chemical agents or nuclear devices are excluded.
  3. The Double Indemnity benefit under Personal Accident Section will not be available to those Insured Persons who are under 18 or over 70 years of age at the time of an accident.
  4. 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 to $3,000,000 for all of the Insured Persons who are under 18 years of age.
  5. The maximum indemnity under Personal Accident and Medical Expenses Sections for an Insured Person who is over 70 years of age will be limited to only 25% of maximum indemnity.
  6. The maximum indemnity under Personal Accident Section for the Insured Person who is under 18 years of age will be limited to $250,000.
  7. There is no minimum age limit for this plan. Maximum age limit is 75.
  8. i-Travel (Single Trip) is only available for online purchase.
  9. Maximum days per trip is 182 days. Each trip should be commenced in Hong Kong.
 
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
 
Days
Individual Plan Family Plan*
Plan A (HK$)
Plan B (HK$)
Plan A (HK$)
Plan B (HK$)
2
184
140
424
322
3
234
172
538
396
4
273
195
627
449
5
296
218
681
502
6
320
242
736
556
7
343
258
789
591
8
366
273
843
627
9
390
288
897
664
10
413
296
950
681
11
436
304
1,005
699
12
452
312
1,040
718
13
468
320
1,076
736
14
484
328
1,112
754
15
498
332
1,147
771
16
514
343
1,184
789
17
530
351
1,219
807
18
546
358
1,255
825
19
562
366
1,292
843
20
577
374
1,327
860
21
592
382
1,363
878
22
608
390
1,398
897
23
624
398
1,435
915
24
640
406
1,471
933
25
655
414
1,506
950
26
676
421
1,553
968
27
695
429
1,600
986
28
716
436
1,646
1,005
29
736
444
1,693
1,023
30
756
452
1,740
1,040
31 up to 182
HK$18 each
addtional day
HK$15 each
addtional day
HK$42 each
addtional day
HK$33 each
addtional day

*Family Plan cover is only applicable to a legally married couple and any number of your child(ren) under 18 years of age.

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
  • Strike or industrial action, riot, adverse weather conditions or natural disaster which has commenced or has been announced before the date of applying for this insurance
  • Any sport in a professional capacity or you could earn income from engaging in such sport
  • Organised sports, mountaineering, speed or endurance tests, parachuting, 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 or other hazardous pursuits or occupations
  • Flying activities other than as a fare-paying passenger on a regular scheduled airline or licensed chartered aircraft
  • Breakage of sports equipment while in use
  • Damage to any brittle or fragile items
  • Loss of or damage to any pager, mobile phone, tablet computer or portable telecommunication equipment or any of its accessories
  • Any loss not reported within 24 hours of discovery to and You have failed to obtain a report from local police or airline or other carrier who had custody of the baggage and/or may be responsible for the loss
  • Unlawful acts by you or any person acting on behalf of you
  • Any wars or act of terrorism involved in the use of biological, chemical agents or nuclear devices
  • Nuclear weapons and radiations

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
Annual Travel
  • Product Features
  • Benefits Table
  • Premium
  • Major Exclusions
  • Unlimited frequency of travel
  • Cover for frequent business traveler:
    • Loss of or damage to portable computer, portable office equipment and camera used in connection with your employment or occupation
    • 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
  • Black Travel Alerts benefits for accommodation and transportation expenses.
  • Covers Amateur Dangerous Sports1 e.g. hot-air ballooning, scuba diving, winter sports, water skiing, rafting, sailing, windsurfing, bungee jumping and horse riding at no extra cost
  • Reimburses Rental Vehicle Excess up to HK$5,000
  • Cover for Trip Cancellation up to HK$50,000 due to an over 24-hour delay in departure from Hong Kong caused by:
    • Adverse weather
    • Natural disaster
    • Strike, Riot or Industrial action
    • Mechanical and/or electrical breakdown/derangement
  • Terrorism2 cover 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 cover up to HK$1,000,000
  • 3rd Degree Burn cover up to HK$1,000,000
  • Covers expenses on Overseas Medical Treatment up to HK$1,000,0003,4 and Overseas Hospital Cash benefit up to HK$5,000
  • 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 & repatriation, children escort arrangements services for unexpected return to Hong Kong etc.

Important Notes:
  1. 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.
  2. Any wars or act of terrorism involved in the use of biological, chemical agents or nuclear devices are excluded.
  3. 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.
  4. 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.
  5. The maximum indemnity under Personal Accident Section for an Insured Person who is under 18 years of age will be limited to $250,000.
  6. Maximum days per trip is 90 days, each trip should be a round-trip commencing in Hong Kong.
  7. There is no minimum age limit for this plan. Maximum age limit is 75.
  8. i-Travel (Annual) is only available for online purchase.
 
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
Benefits
Coverage
Maximum Benefits Payable (HK$)
Plan A
Plan B
1. Personal Accident
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.)
1,000,000
500,000
Loss of one limb 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 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 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 Services
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 Extension
(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. Dangerous Sports Coverage
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 Medical Expenses Sections
Up to 250,000 benefits under the Personal Accident Medical Expenses Sections
7. Trip Cancellation and Curtailment
Reimburses expenses of unused travel and accommodation if your trip is cancelled or curtailed due to bodily injury, 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/derangement 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
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.
20,000
9. Travel Delay
Pays HK$250 for each period of 8 hours 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 or mechanical and/or electrical breakdown/derangement of the public transport or
  • your trip is delayed due to the death, bodily injury or sickness of you, your immediate family members, fiancé(e) or close business partner travelling with you abroad.
3,500
3,000
10. Missed Departure
Reimburses additional transport expenses incurred in reaching your planned destination or for your return trip to Hong Kong if you miss your departure as the direct result of the failure of public transport to get you to the departure port or airport due to strike or industrial action, riot, hijack, adverse weather conditions or natural disaster directly resulting in suspension of public transport. Pays for additional transport and accommodation if your return trip to Hong Kong is unavoidably re-routed with aforementioned reasons (maximum benefit of HK$5,000)
15,000
12,500
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 and Documents
Cover the loss of cash or travellers cheques directly arising from theft, robbery or burglary during the Period of Insurance.

Reimburses the replacement cost of HK 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.

(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
16. 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 and 9)
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

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.
Up to 30 days
Important Notes:
  1. 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.
  2. Any wars or act of terrorism involved in the use of biological, chemical agents or nuclear devices are excluded.
  3. 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.
  4. 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.
  5. The maximum indemnity under Personal Accident Section for an Insured Person who is under 18 years of age will be limited to $250,000.
  6. Maximum days per trip is 90 days, each trip should be a round-trip commencing in Hong Kong.
  7. There is no minimum age limit for this plan. Maximum age limit is 75.
  8. i-Travel (Annual) is only available for online purchase.
 
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
Plan
Personal Incident
Sum Insured (HK$)
Annual Premium (HK$)
Individual Plan (HK$)
Family Plan* (HK$)
A
1,000,000
1,890
4,725
B 500,000 1,575 3,938

*Family Plan cover is only applicable to a legally married couple and any number of your child(ren) below 18 years of age

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
  • Strike or industrial action, riot, adverse weather conditions or natural disaster which has commenced or has been announced before the date of applying for this insurance
  • Any sport in a professional capacity or you could earn income from engaging in such sport
  • Organised sports, mountaineering, speed or endurance tests, parachuting, 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 or other hazardous pursuits or occupations
  • Flying activities other than as a fare-paying passenger on a regular scheduled airline or licensed chartered aircraft
  • Breakage of sports equipment while in use
  • Damage to any brittle or fragile items
  • Loss of or damage to any pager, mobile phone, tablet computer or portable telecommunication equipment or any of its accessories
  • Any loss not reported within 24 hours of discovery to and You have failed to obtain a report from local police or airline or other carrier who had custody of the baggage and/or may be responsible for the loss
  • Unlawful acts by you or any person acting on behalf of you
  • Any wars or act of terrorism involved in the use of biological, chemical agents or nuclear devices
  • Nuclear weapons and radiations

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.