
Special arrangement for MSIG Travel (Single Trip) Insurance coverage in relation to COVID-19
Details
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Details |
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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.) |
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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.
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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.
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4. | Hospital Cash |
Pays HK$500 per day when you are hospitalized as an inpatient due to bodily injury or sickness when abroad.
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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.
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2,000,000
40,000
(as stated in Policy Appendix) Covered
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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.
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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:
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9. | Travel Delay |
Pays HK$250 for first 6 hours of delay and each subsequent period of 12 hours if
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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 |
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11. | Loss of Baggage |
Pays for accidental loss of or damage to personal baggage. The maximum amount we will pay for:
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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.
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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
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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)
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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.
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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.
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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
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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
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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.
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(For 2-10 days single trip travel under Gold / Silver plan and only applicable if it is shown as being operative in the schedule) |
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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.
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(b)Cover the actual expense for rental of sports equipment due to check-in baggage delayed more than 8 hours. |
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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.
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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:
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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. |
Individual Plan | Family Plan33,4 | ||||
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617
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502 | ||||
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685
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558 | |
287
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761
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620 | |
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887
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724 | |
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962
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784 | |
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1,040
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847 | |
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1,115
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908 | |
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1,189
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970 | |
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1,267
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1,032 | |
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1,342
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1,093 | |
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1,417
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1,154 | |
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1,469
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1,196 | |
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1,520
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1,238 | |
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1,573
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1,282 | |
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1,618
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1,319 | |
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1,670
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1,361 | |
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1,722
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1,403 | |
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1,774
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1,446 | |
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1,826
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1,488 | |
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1,874
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1,528 | |
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1,924
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1,566 | |
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1,975
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1,609 | |
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2,027
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1,651 | |
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2,080
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1,693 | |
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2,128
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1,734 | |
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2,196
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1,789 | |
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2,258
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1,840 | |
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2,326
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1,895 | |
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2,392
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1,949 | |
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2,456
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2,000 | |
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2,532
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2,053 | |
HK$29 each additional day
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HK$23 each additional day
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Not Applicable
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HK$77 each additional day
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HK$60 each additional day
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Individual Plan | Family Plan3 | |||
HKD40 | HKD100 | |||
HKD70 (HK$140 for 2 or more insured persons) |
HKD140 | |||
HKD30 (for one pet per insured person) |
HKD30 (for one pet per family) |
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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.) |
|
|
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.
|
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|
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.
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4. | Hospital Cash |
Pays HK$500 per day when you are hospitalized as an inpatient due to bodily injury or sickness when abroad.
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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.
|
|
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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:
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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.
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10. | Travel Delay |
Pays HK$250 for first 6 hours of delay and each subsequent period of 12 hours if
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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 |
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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.
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13. | Loss of Baggage |
Pays for accidental loss of or damage to personal baggage. The maximum amount we will pay for:
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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.
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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)
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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
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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$200)
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18. | Personal Liability |
Pays for any amount which you become legally liable to pay as compensation for an accident occurring which causes bodily injury to any other person or damage to property.
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19. | Rental Vehicle Excess |
Pays an excess which you become liable to pay under the agreement with licensed rental company for loss of or damage to the vehicle that you rent.
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20. | Home Contents Cover |
Pays for the cost of repair or replacement of damaged home contents due to burglary at your home in Hong Kong during the Period of Insurance
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21. | Credit Card Protection8 |
Pays for any outstanding balance of your credit card(s) for items and services charged while abroad if you sustains bodily injury and caused death during the insured journey
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22. | Automatic Extension of Cover (Applicable to the above Benefits 3, 10, 11 and 12) |
Cover is automatically extended free of charge up to 14 days in the event of delays due to unforeseen events covered under Travel Delay and Trip Rearrangement Sections.
Cover is automatically extended free of charge up to 30 days in the event of delays due to bodily injury or illness covered under Medical Expenses Section.
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Personal Accident Sum Insured (HK$) |
Annual Premium (HK$) | ||
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1,000,000 |
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Silver | 600,000 | 2,022 | 5,122 |