Special service arrangement in relation to COVID-19
Details
 

Special arrangement for MSIG Travel (Single Trip) Insurance coverage in relation to COVID-19
Details
 
Coverage Alert
 

Travel Insurance

Extra Offers
Choose 1 only
 
 
Update
Insurance Plan


Depart from Hong Kong (Round Trip)

Traveller(s)





Quote Now

Details

Quote Now

i-Flyer 2.0 (Single Trip)

i-Flyer 2.0 (Annual)

i-Flyer 2.0 (Single Trip)
  • Product Features
  • Benefits Table
  • Premium
  • Major Exclusions
  • Extra benefits provided for Black Alert and Red Alert under the Outbound Travel Alert System up to HK$50,000 and HK$25,000 respectively :
    • If the Black Alert is hoisted, pays up to 100% of the relevant loss and up to 100% of ‘Trip Cancellation and Curtailment’ section limit, or if the Red Alert is hoisted, pays up to 50% of the relevant loss and up to 50% the section limit.
    • Up to HK$300 administration charge billed by the travel agent if your trip is cancelled or curtailed
    • Additional transport expenses if you are forced to leave the city you are staying to another city in order to return to Hong Kong
    • HK$1,000 cash allowance if you must stay overnight in another city waiting for the necessary public transport to return to Hong Kong
  • Amateur Dangerous Sports and Activities4cover at no extra cost :
    • Include hot-air ballooning, scuba diving to a depth not greater than 30 meters below sea-level, recreational alpine skiing or snowboarding, tobogganing or sledding, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping, horse riding, trekking or hiking at an altitude of below 5,000 meters above sea-level, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities
  • Loss of Baggage :
    • Newly added loss of or damage to mobile phone5 cover up to HK$2,000
  • Natural Disaster cover:
    • Trip Cancellation and Curtailment cover up to HK$50,000
    • Travel Delay cover of HK$250 for first 6 hours of delay and each subsequent period of 12 hours, up to HK$3,000
    • Up to HK$7,500 cover for additional transport and accommodation expenses if your return trip to Hong Kong is unavoidably re-routed, including up to HK$1,000 per day for accommodation expenses
  • Terrorism Extension :
    • Terrorism10cover up to HK$3,000,000 per person for accidental death, bodily injury, medical expenses and Worldwide Travel Assistance Services
  • Personal Accident6,7,8cover up to HK$1,000,000 :
    • Advance payment of HK$50,000 cash relief for Accidental Death
    • Major Burns Benefit up to HK$1,000,000
    • Loss of Limb Benefit cover, which is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total and permanent loss of use of an entire hand, arm, foot or leg under Personal Accident Section
  • Deposit Guarantee of Hospital Admission up to HK$40,000
  • Medical Expenses benefit cover emergency dental treatment, medical and surgical expenses up to HK$800,0007,8
  • Comprehensive 24-hour Worldwide Emergency Assistance Services
  • Double Indemnity9 for Personal Accident up to HK$2,000,000
  • Follow up medical expenses after returning to Hong Kong up to HK$65,000 for a maximum period of 90 days, including registered herbalists, bonesetters and acupuncture fees up to HK$1,500 in total
  • Personal Liability cover up to HK$2,500,000
  • Credit Card Protection cover up to HK$15,000
  • Family Plan3,7covering unlimited number of children
  • Rental Vehicle Excess cover up to HK$5,000
  • Automatic Extension of Cover

Important Notes:
  1. Maximum days per trip is 182 days under Gold / Silver Plan and 30 days under Basic Plan, each trip should be commenced in Hong Kong and the application of this policy should be completed before your trip commence.
  2. There is no minimum age limit for this plan. Maximum age limit is 85.
  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. No Family Plan offer for Basic Plan.
  4. The Amateur Dangerous Sports and Activities Extension under Personal Accident Section and Medical Expenses Section will not be available to Basic Plan, or those Insured Persons who are over 70 years of age.
  5. No mobile phone benefit is payable for Silver Plan, Basic Plan or if the Insured Person(s) is(are) below 18 years of age insured under a Family Plan.
  6. The maximum indemnity under Personal Accident Section for the Insured Person who is under 18 years of age will be limited to HK$250,000.
  7. 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.
  8. 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 25% of the Sum Insured.
  9. The Double Indemnity benefit under Personal Accident Section will not be available to Basic Plan, or those Insured Persons who are under 18 or over 70 years of age at the time of an accident.
  10. Any acts of terrorism involving the use of biological, chemical agents or nuclear devices are excluded.

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$)
Gold Plan
Silver Plan
Basic Plan
1. Personal Accident1,2,3 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
600,000
300,000
Loss of one limb9 or sight of one eye / Permanent Total Loss of speech or hearing. 500,000 300,000 150,000
Cover 3rd degree burns of the minimum percentage of the surface area of your body as specified in the policy. 1,000,000 600,000 300,000
2. Double Indemnity for Personal Accident4
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
1,200,000
Not Applicable
3. 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$65,000 including registered herbalists, bonesetters and acupunctures’ fees up to HK$150 per visit per day and up to HK$1,500 in total.
800,000
400,000
100,000
4. Hospital Cash
Pays HK$500 per day when you are hospitalized as an inpatient due to bodily injury or sickness when abroad.
6,000
2,000
Not Applicable
5. Worldwide Travel Assistance Services8
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
6. Terrorism Extension5
(Applicable to the above Benefits 1-5)
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
7. Amateur Dangerous Sports and Activities Coverage6 Pays you in the event of accidental death or bodily injury while you are taking part in hot-air ballooning, scuba diving to a depth not greater than 30 meters below sea-level, recreational alpine skiing or snowboarding, tobogganing or sledding, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping, horse riding, trekking or hiking at an altitude of below 5,000 meters above sea-level, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities. 250,000 150,000 Not Applicable
- Cover under Personal Accident Section 250,000 150,000 Not Applicable
- Cover under Medical Expenses Section 200,000 100,000 Not Applicable
8. 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, closure of the airport, 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 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 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
7,500
9. Travel Delay
Pays HK$250 for first 6 hours 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 or mechanical and/or electrical breakdown of the public transport or
  • your trip is delayed due to the death, serious bodily injury or serious sickness of you, your immediate family members, fiancé(e) or close business partner travelling with you abroad.
  • If 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.
3,000
1,000
500
10. Trip Rearrangement
Reimburses unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, concert or theme park etc.) 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, closure of the airport, 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
2,000
11. 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$2,000.
  • all your sports equipment is HK$5,000 in total.
  • all your valuables is HK$5,000 in total.
  • all your cameras, camcorders and audio / video equipment is HK$5,000 in total.
  • any mobile phone is HK$2,000 (mobile phone cover is for Gold plan only and is not applicable to Insured Person(s) who is(are) aged below 18 under Family Plan)
  • Excess HK$200
20,000
10,000
5,000
12. 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.
2,500
1,500
750
13. Personal Money and Documents
Cover the loss of cash or travellers cheques directly arising from theft, robbery or burglary during the Period of Insurance10

Reimburses the replacement cost of HK Identity Card, credit cards, driving licence, travel tickets, hotel vouchers or passport.

Excess HK$200
4,000
2,500
1,000
14. Loss of Passport
(Additional Accommodation Expenses)
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$200)
2,000
1,000
500
15. Personal Liability
Pays for any amount which you become legally liable to pay as compensation for an accident occurring which causes bodily injury to any other person or damage to property.
2,500,000
500,000
16. Rental Vehicle Excess
Pays an excess which you become liable to pay under the agreement with licensed rental company for loss of or damage to the vehicle that you rent.
5,000
Not Applicable
17. Home Contents Cover
Pays for the cost of repair or replacement of damaged home contents due to burglary at your home in Hong Kong during the Period of Insurance
20,000
10,000
Not Applicable
18. Credit Card Protection7
Pays for any outstanding balance of your credit card(s) for items and services charged while abroad if you sustains bodily injury and caused death during the insured journey
15,000
5,000
19. Automatic Extension of Cover
(Applicable to the above Benefits 9 and 10)
Cover is automatically extended free of charge in the event of delays due to unforeseen events covered under Travel Delay and Trip Rearrangement Sections.
Up to 14 days
Optional Benefits
(For 2-10 days single trip travel under Gold / Silver plan and only applicable if it is shown as being operative in the schedule)
Maximum Benefits Payable (HK$)
1. Extra Sports Equipment Benefits (Applicable to the above Benefit 11 or 12)
(a)Pays for accidental loss of or damage to personal baggage sub-limit for all sports equipment.
Extra 5,000
Not Applicable
(b)Cover the actual expense for rental of sports equipment due to check-in baggage delayed more than 8 hours.
1,000
Not Applicable
2. Upgraded Rental Vehicle Excess (Applicable to the above Benefit 16)
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.
Extra 5,000
Not Applicable
3. Pet Accommodation Benefit
Cover additional accommodation expenses for one pet charged by the licensed kennel/cattery or pet hotel for the insured trip if You are unable to collect your dog/cat on the day agreed due to the following reasons:
1,000 Not Applicable
(a)the arrival of your return flight is delayed by at least 6 hours; or
(b)You were hospitalized or quarantined outside Hong Kong and as a result You cannot arrive in Hong Kong on the original return date.
Important Notes:
  1. 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 25% of the Sum Insured.
  2. The maximum indemnity under Personal Accident Section for the Insured Person who is under 18 years of age will be limited to HK$250,000.
  3. 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.
  4. The Double Indemnity benefit under Personal Accident Section will not be available to Basic Plan, or those Insured Persons who are under 18 or over 70 years of age at the time of an accident.
  5. Any acts of terrorism involving the use of biological, chemical agents or nuclear devices are excluded.
  6. The Amateur Dangerous Sports and Activities Extension under Personal Accident Section and Medical Expenses Section will not be available to Basic Plan, or those Insured Persons who are over 70 years of age.
  7. The Credit Card Protection benefit will not be available to those Insured Persons who are under 18 years of age.
  8. 24-hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Hong Kong.
  9. "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.
  10. This benefit is not applicable to Insured Person(s) who is(are) below 18 years of age and insured under a Family Plan.
 
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 Plan33,4
Gold Plan (HK$)
Silver Plan (HK$)
Basic Plan (HK$)
Gold Plan (HK$)
Silver Plan (HK$)
1
233
190
140
617
502
2
259
210
151
685
558
3
287
234
162
761
620
4
335
274
184
887
724
5
364
296
191
962
784
6
392
320
216
1,040
847
7
421
343
238
1,115
908
8
449
366
260
1,189
970
9
479
390
283
1,267
1,032
10
506
413
305
1,342
1,093
11
535
436
327
1,417
1,154
12
554
451
342
1,469
1,196
13
574
468
358
1,520
1,238
14
594
484
373
1,573
1,282
15
611
498
386
1,618
1,319
16
630
514
401
1,670
1,361
17
650
529
416
1,722
1,403
18
670
546
432
1,774
1,446
19
690
562
447
1,826
1,488
20
708
577
462
1,874
1,528
21
726
592
476
1,924
1,566
22
745
607
491
1,975
1,609
23
766
624
507
2,027
1,651
24
785
640
522
2,080
1,693
25
803
654
536
2,128
1,734
26
829
676
557
2,196
1,789
27
852
695
575
2,258
1,840
28
878
715
595
2,326
1,895
29
902
736
614
2,392
1,949
30
928
756
634
2,456
2,000
31
956
775
Not Applicable
2,532
2,053
32 up to 182
HK$29 each additional day
HK$23 each additional day
Not Applicable
HK$77 each additional day
HK$60 each additional day

Optional Benefits5
Individual Plan Family Plan3
1.Extra Sports Equipment Benefits
HKD40 HKD100
2.Upgraded Rental Vehicle Excess
HKD70
(HK$140 for 2 or more insured persons)
HKD140
3.Pet Accommodation Benefit
HKD30
(for one pet per insured person)
HKD30
(for one pet per family)

Important Notes :
  1. Maximum days per trip is 182 days under Gold / Silver Plan and 30 days under Basic Plan, each trip should be commenced in Hong Kong.
  2. There is no minimum age limit for this plan. Maximum age limit is 85.
  3. Family Plan cover 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. No Family Plan offer for Basic Plan.
  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. Optional Benefit is applicable to single trip 2 - 10 days under Gold / Silver Plan.
  6. No refund of the premium and Levy paid once the policy document has been issued.
  7. 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

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.
  • Any liability arising from a contractual agreement without the prior consent of Us is not covered
  • 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
  • Professional or organised dangerous sports or activities
  • 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
  • Manual work undertaken during business trips
  • Suicide, intentional self-inflicted injury, insanity
  • Mental or nervous disorders, sleep disorder, 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 schedule airline or licensed chartered aircraft
  • Air flight crew
  • Unlawful acts
  • War and terrorism (Except for Terrorism Extended Cover)
  • Nuclear weapons and radiations
  • Loss of or damage to any pager, mobile phone (except for the benefit specifically provided under the above Benefit 11), 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

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.
i-Flyer 2.0 (Annual)
  • Product Features
  • Benefits Table
  • Premium
  • Major Exclusions
  • Extra benefits provided for Black Alert and Red Alert under the Outbound Travel Alert System up to HK$50,000 and HK$25,000 respectively :
    • If the Black Alert is hoisted, pays up to 100% of the relevant loss and up to 100% of ‘Trip Cancellation and Curtailment’ section limit, or if the Red Alert is hoisted, pays up to 50% of the relevant loss and up to 50% the section limit.
    • Up to HK$300 administration charge billed by the travel agent if your trip is cancelled or curtailed
    • Additional transport expenses if you are forced to leave the city you are staying to another city in order to return to Hong Kong
    • HK$1,000 cash allowance if you must stay overnight in another city waiting for the necessary public transport to return to Hong Kong
  • Amateur Dangerous Sports and Activities4cover at no extra cost :
    • Include hot-air ballooning, scuba diving to a depth not greater than 30 meters below sea-level, recreational alpine skiing or snowboarding, tobogganing or sledding, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping, horse riding, trekking or hiking at an altitude of below 5,000 meters above sea-level, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities
  • Loss of Baggage :
    • Newly added loss of or damage to mobile phone5 cover up to HK$2,000
  • Natural Disaster cover:
    • Trip Cancellation and Curtailment cover up to HK$50,000
    • Travel Delay cover of HK$250 for first 6 hours of delay and each subsequent period of 12 hours, up to HK$3,000
    • Up to HK$7,500 cover for additional transport and accommodation expenses if your return trip to Hong Kong is unavoidably re-routed, including up to HK$1,000 per day for accommodation expenses
  • Terrorism Extension :
    • Terrorism10cover up to HK$3,000,000 per person for accidental death, bodily injury, medical expenses and Worldwide Travel Assistance Services
  • Personal Accident6,7,8cover up to HK$1,000,000 :
    • Advance payment of HK$50,000 cash relief for Accidental Death
    • Major Burns Benefit up to HK$1,000,000
    • Loss of Limb Benefit cover, which is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total and permanent loss of use of an entire hand, arm, foot or leg under Personal Accident Section
  • Deposit Guarantee of Hospital Admission up to HK$40,000
  • Medical Expenses benefit cover emergency dental treatment, medical and surgical expenses up to HK$800,0007,8
  • Comprehensive 24-hour Worldwide Emergency Assistance Services
  • Double Indemnity9 for Personal Accident up to HK$2,000,000
  • Follow up medical expenses after returning to Hong Kong up to HK$65,000 for a maximum period of 90 days, including registered herbalists, bonesetters and acupuncture fees up to HK$1,500 in total
  • Personal Liability cover up to HK$2,500,000
  • Credit Card Protection cover up to HK$15,000
  • Family Plan3,7covering unlimited number of children
  • Rental Vehicle Excess cover up to HK$5,000
  • Automatic Extension of Cover

Important Notes:
  1. Maximum days per trip is 90 days, each trip should be a round-trip commencing in Hong Kong and the application of this policy should be completed before your trip commence.
  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. The Amateur Dangerous Sports and Activities Extension under Personal Accident Section and Medical Expenses Section will not be available to Basic Plan, or those Insured Persons who are over 65 years of age.
  5. No mobile phone benefit is payable for Silver Plan, Basic Plan or if the Insured Person(s) is(are) below 18 years of age insured under a Family Plan.
  6. The maximum indemnity under Personal Accident Section for the Insured Person who is under 18 years of age will be limited to HK$250,000.
  7. 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.
  8. 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 25% of the Sum Insured.
  9. The Double Indemnity benefit under Personal Accident Section will not be available to those Insured Persons who are under 18 or over 65 years of age at the time of an accident.
  10. Any acts of terrorism involving the use of biological, chemical agents or nuclear devices are excluded.

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$)
Gold Plan
Silver Plan
1. Personal Accident1,2,3 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
600,000
Loss of one limb10 or sight of one eye / Permanent Total Loss of speech or hearing. 500,000 300,000
Cover 3rd degree burns of the minimum percentage of the surface area of your body as specified in the policy. 1,000,000 600,000
2. Double Indemnity for Personal Accident4
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
1,200,000
3. 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 acupunctures’ fees up to HK$150 per visit per day and up to HK$1,500 in total.
800,000
400,000
4. Hospital Cash
Pays HK$500 per day when you are hospitalized as an inpatient due to bodily injury or sickness when abroad.
6,000
2,000
5. Worldwide Travel Assistance Services9
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
6. Terrorism Extension5
(Applicable to the above Benefits 1-5)
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
7. Amateur Dangerous Sports and Activities  Coverage6 Pays you in the event of accidental death or bodily injury while you are taking part in hot-air ballooning, scuba diving not greater than 30 meters below sea-level, recreational alpine skiing or snowboarding, tobogganing or sledding, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping, horse riding, trekking or hiking at an altitude of below 5,000 meters above sea-level, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities. 250,000 150,000
Cover under Personal Accident Section 250,000 150,000
Cover under Medical Expenses Section 200,000 100,000
8. 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, closure of the airport, 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 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 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
9. 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
10. Travel Delay
Pays HK$250 for first 6 hours of delay and each subsequent period of 12 hours if
  • the arrival/departure of public transport is delayed as a result of closure of the airport, strike or industrial action, riot, hijack, adverse weather conditions, natural disaster directly resulting in suspension of public transport or mechanical and/or electrical breakdown of the public transport or
  • your trip is delayed due to the death, serious bodily injury or serious sickness of you, your immediate family members, fiancé(e) or close business partner travelling with you abroad.
  • If 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 HK500.
3,000
1,000
11. Trip Rearrangement
Reimburses unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, concert or theme park etc.) 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, closure of the airport, 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
12. 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
13. 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$2,000.
  • all your sports equipment is HK$5,000 in total.
  • all your valuables is HK$5,000 in total.
  • all your cameras, camcorders and audio/video equipment is HK$5,000 in total.
  • any mobile phone is HK$2,000 (mobile phone cover is for Gold plan only and is not applicable to Insured Person(s) who is(are) aged below 18 under Family Plan)
  • Excess HK$200
20,000
10,000
14. 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.
2,500
1,500
15. 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
16. Personal Money and Documents
Cover the loss of cash or travelers cheques directly arising from theft, robbery or burglary during the Period of Insurance11

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

Excess HK$200
4,000
2,500
17. Loss of Passport
(Additional Accommodation Expenses)
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)
2,000
1,000
18. 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
19. 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
20. Home Contents Cover
Pays for the cost of repair or replacement of damaged home contents due to burglary at your home in Hong Kong during the Period of Insurance
20,000
10,000
21. Credit Card Protection8
Pays for any outstanding balance of your credit card(s) for items and services charged while abroad if you sustains bodily injury and caused death during the insured journey
15,000
22. Automatic Extension of Cover (Applicable to the above Benefits 3, 10, 11 and 12)
Cover is automatically extended free of charge up to 14 days in the event of delays due to unforeseen events covered under Travel Delay and Trip Rearrangement Sections.

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.
Covered
Important Notes:
  1. 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 25% of the Sum Insured.
  2. The maximum indemnity under Personal Accident Section for the Insured Person who is under 18 years of age will be limited to HK$250,000.
  3. 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.
  4. The Double Indemnity benefit under Personal Accident Section will not be available to those Insured Persons who are under 18 or over 65 years of age at the time of an accident.
  5. Any acts of terrorism involvinge the use of biological, chemical agents or nuclear devices are excluded.
  6. The Amateur Dangerous Sports and Activities Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 65 years of age.
  7. The Replacement Employee Benefit is only applicable if the Insured is either an incorporated or unincorporated company.
  8. The Credit Card Protection benefit will not be available to those Insured Persons who are under 18 years of age.
  9. 24-hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Hong Kong.
  10. "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.
  11. This benefit is not applicable to Insured Person(s) who is(are) below 18 years of age and insured under a Family Plan.
 
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 Accident Sum Insured
(HK$)
Annual Premium (HK$)
Individual Plan (HK$)
Family Plan3,4(HK$)
Gold
1,000,000
2,279
5,765
Silver 600,000 2,022 5,122

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 cover 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. 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

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.
  • Any liability arising from a contractual agreement without the prior consent of Us is not covered
  • 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
  • Professional or organised dangerous sports or activities
  • 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
  • Manual work undertaken during business trips
  • Suicide, intentional self-inflicted injury, insanity
  • Mental or nervous disorders, sleep disorder, 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 schedule airline or licensed chartered aircraft
  • Air flight crew
  • Unlawful acts
  • War and terrorism (Except for Terrorism Extended Cover)
  • Nuclear weapons and radiations
  • Loss of or damage to any pager, mobile phone (except for the benefit specifically provided under the above Benefit 13), 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

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.