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Latest Promotion

Single Travel

Annual Travel

Overseas Study Insurance

Latest Promotion
  • iTravel Go Travel Insurance Promotions

iTravel Go

Apply below insurance plans online to enjoy discount offer:

Insurance Apply with promo code "PCTRAVEL"#
iTravel Go
(Single Trip)		 30% off
iTravel Go
(Annual)
20% off
(first year premium)

# When previewing the quotation for travel insurance, eligible cardholder is required to input promode code in "Extra Offers" and then click "Update" to review the cardholder exclusive premium discount.

Remarks:

  1. Travel Insurance is underwritten by MSIG Insurance (Hong Kong) Limited (“MSIG”). PrimeCredit Limited (“PCL”) is an insurance agent of MSIG.
  2. Customer who held iTravel Go (Annual) in the past 3 months, will not be eligible for the premium discount for the first policy year.
  3. The above offer cannot be used in conjunction with other promotions.

Offers are subject to terms and conditions, please click here for details.
Single Travel
  • Product Features
  • Benefits Table
  • Premium
  • Major Exclusions
  • Personal accident: Coverage up to HK$1,000,000, double indemnity for accidental death up to HK$2,000,000 and credit card protection up to HK$50,000.
  • Medical expenses: Coverage up to HK$2,000,000 for medical expenses incur overseas and follow-up treatment after returning to Hong Kong for 90 days.
  • Trip protection: Covers trip postponement, replacement of traveller or employee, insolvency of registered travel operator, and cancellation for any reason. Outbound Travel Alerts coverage extended to Amber level, compensation of Black Alert is up to HK$50,000.
  • Flight delay and trip rearrangement: HK$300 for every 5-hour flight delay (up to HK$3,000) and up to HK$13,000 for trip rearrangement. Coverage for flight diversion, overbooked flight, and missed travel connection is provided.
  • Amateur dangerous sports and activities: Includes marathon, hot-air ballooning, skiing, scuba diving, etc. with coverage of up to HK$250,000 for both personal accident and medical expenses.
  • Loss of or damage to mobile phone: Coverage up to HK$3,000 for mobile phone and up to HK$6,000 for laptop/tablet.
  • Rental vehicle coverage: Returning a rental vehicle covered up to HK$2,500, with increased rental car excess coverage up to HK$10,000.
  • MSIG Easy lounge service: Complimentary access for you and up to 5 companions during flight delays over 60 minutes at 1,700+ lounges worldwide.
  • Kidnap & hostage: Coverage of up to HK$15,000.
 
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.

Coverage
Maximum benefits payable per year (HK$)
Plan A
Plan B
Plan C
Section 1 – Personal accident11,2
Accidental death/permanent disablement
1,000,000
500,000
250,000
Extra benefits
1. Amateur dangerous sports and activities3
250,000
125,000
N/A
2. Double indemnity for personal accident4
2,000,000
1,000,000
N/A
3. Major burns
1,000,000
500,000
250,000
4. Funeral expenses due to accidental death
50,000
25,000
N/A
5. Child education grant
40,000
20,000
N/A
6. Family assistance benefit5
10,000
5,000
N/A
7. Credit card protection6
50,000
30,000
10,000
Section 2 – Medical expenses1,2
1. Follow-up medical treatment after returning to Hong Kong
• Follow-up for bodily injury
2,000,000
1,000,000
500,000
• Follow-up for sickness
200,000
100,000
50,000
   - Maximum no. of days
90
90
90
• Chinese medicine practitioner, physiotherapy or chiropractic treatment fees
4,000
3,000
3,000
   - Limit per visit per day
200
200
200
2. Hospital cash and quarantine allowance7
12,000
5,000
3,000
• Overseas hospital cash benefits
12,000
5,000
3,000
   - Limit per day
500
500
300
• Overseas hospital cash benefit/quarantine allowance due to COVID-19 extension
5,000
5,000
3,000
   - Limit per day
500
500
300
• Hospitalisation daily cash benefit in Hong Kong
5,000
2,500
1,500
   - Limit per day
500
500
300
3. Trauma counselling expenses
20,000
10,000
5,000
• Limit per visit per day
2,000
1,000
800
4. Mobility aid reimbursement
20,000
5,000
N/A
5. Maternity medical expenses overseas
15,000
7,500
N/A
Extra benefits
1. Amateur dangerous sports and activities3,8
250,000
125,000
N/A
Section 3 – Trip cancellation and curtailment9
1. Trip cancellation10
50,000
25,000
3,500
2. Trip curtailment
50,000
25,000
3,500
3. Trip postponement10
7,500
3,750
N/A
4. Replacement of traveller10
5,000
2,500
N/A
5. Replacement of employee10,11
5,000
2,500
N/A
6. Insolvency of licensed travel operato10
10,000
5,000
N/A
7. Cancellation of journey for any reason12
25,000
N/A
N/A
Extra benefits
• Outbound Travel Alert13
   - Unused travel and accommodation deposit
500
500
300
      > Maximum limit under Black Outbound Travel Alert
50,000
25,000
3,500
      > Maximum limit under Red Outbound Travel Alert
25,000
12,250
1,750
      > Maximum limit under Amber Outbound Travel Alert
12,500
6,250
875
      > Maximum limit of administration charge billed by travel agent
300
300
300
   - Additional transport expenses for leaving the city you are staying for another city in order to return to Hong Kong
Included
Included
Included
   - Cash allowance for staying overnight waiting for returning to Hong Kong
1,000
1,000
1,000
Section 4 – Travel delay and trip rearrangement9
1. Travel delay14
3,000
2,000
500
• Limit per every 5 hours of delay
300
250
250
• Maximum limit for trips to or from China
500
500
500
2. Trip rearrangement14
• Unused transport and accommodation expenses or additional transport and/or accommodation expenses for return trip to Hong Kong
13,000
5,000
1,500
• Accommodation expenses
   - Maximum limit per day for accommodation
1,500
1,000
1,000
3. Flight diversion14
3,000
2,000
500
• Limit per every 5 hours of delay
300
250
250
4. Overbooked flight14
1,200
N/A
N/A
• Limit per every 5 hours of delay
300
N/A
N/A
5. Missed travel connection14
3,000
2,000
500
• Limit per every 5 hours of delay
300
250
250
6. MSIG Easy Lounge service15
Included
Included
Included
• Free access to designated airport lounge access
• Complimentary food and drink
• Free Wi-Fi access and device charging stations
Extra benefits
• Automatic extension of cover
   - Maximum no. of days
14
14
14
Section 5 – Baggage and personal money
1. Baggage and personal effects
20,000
15,000
5,000
• Limit per article, pair or set of articles
5,000
3,000
3,000
• Limit of per mobile phone16
3,000
1,000
N/A
   - Maximum no. of device
1
1
N/A
• Limit of per laptop/tablet
6,000
2,000
N/A
   - Maximum no. of device
1
1
N/A
2. Delayed baggage for more than 6 hours
1,000
500
250
3. Personal money, documents and additional accommodation expenses
30,000
10,000
1,000
• Cash or traveller's cheques
3,000
2,000
300
• Daily accommodation expenses
2,000
1,000
500
4. Unauthorised use of credit cards
3,000
2,000
N/A
Section 6 – Personal liability
1. Personal liability
2,500,000
2,500,000
2,500,000
Section 7 – Rental vehicle
1. Rental vehicle excess
10,000
5,000
2,000
2. Returning a rental vehicle
2,500
1,500
1,000
Section 8 – Golfer's hole-in-one17
1. Golfer's hole-in-one
5,000
3,000
N/A
Section 9 – Home contents
1. Loss of/damage to home contents due to burglary
30,000
10,000
N/A
Section 10 – Kidnap and hostage
1. Kidnap and hostage
15,000
10,000
N/A
• Limit per every 6 hours
500
500
N/A
Section 11 – Terrorism extension
1. Terrorism extension
Included
Included
Included
Optional cover
Maximum benefits payable per year (HK$)
Plan A
Plan B
Plan C
Top-up sports equipment benefits
1. Loss of or damage to personal baggage sub-limit for all sports equipment
Increased to 10,000
Increased to 8,000
N/A
2. Actual expense for rental of sports equipment due to check-in baggage delayed more than 6 hours
1,000
1,000
N/A
Top-up rental vehicle excess
1. Top-up rental vehicle excess
Increased to 15,000
Increased to 10,000
Increased to 7,000
Pet Care
1. Pet accommodation benefit
5,000
5,000
N/A
• Daily accommodation expenses
500
500
N/A
2. Trip cancellation and curtailment due to pet emergency
50,000
25,000
N/A
Cruise Trip Cover
1. Additional cancellation & curtailment & rearrangement
Additional 30,000
Additional 30,000
N/A
2. Shore excursion cancellation
• Irrecoverable and forfeited deposits
10,000
10,000
N/A
• Shore excursion cancellation allowance
10,000
10,000
N/A
   - Each excursion
2,000
2,000
N/A
3. Shore excursion curtailment
• Shore excursion curtailment allowance
5,000
5,000
N/A
   - Each excursion
500
500
N/A
4. Satellite phone fee
3,000
3,000
N/A
Worldwide travel emergency assistance services
Maximum benefits payable per year (HK$)
Plan A
Plan B
Plan C
1. Medical evacuation
Unlimited
Unlimited
Unlimited
• Limit due to pre-existing condition
50,000
50,000
N/A
2. Repatriation after treatment
Unlimited
Unlimited
Unlimited
• Limit due to pre-existing condition
50,000
50,000
N/A
3. Repatriation of mortal remains/ashes
Unlimited
Unlimited
Unlimited
• Limit due to pre-existing condition
50,000
50,000
N/A
4. Compassionate visit
50,000
40,000
20,000
• Travel expenses
One economy class round-trip ticket
One economy class round-trip ticket
One economy class round-trip ticket
   - Daily hotel accommodation expenses
1,500
1,000
1,000
   - Maximum no. of days
7
7
7
5. Return of unattended dependent children to country of residence
50,000
40,000
20,000
• Travel expenses
One economy class round-trip ticket
One economy class round-trip ticket
One economy class round-trip ticket
6. Deposit guarantee for hospital admission
40,000
40,000
40,000
7. Hotel room accommodation for convalescence
7,500
7,500
7,500
• Daily hotel accommodation expenses
1,500
1,500
1,500
8. Hospital Interpreter Services
4,000
4,000
N/A
• Daily interpreter service limit (maximum 3 hours)
800
800
N/A
9. Unexpected return to Hong Kong
One economy class round-trip ticket
One economy class round-trip ticket
One economy class round-trip ticket
10. Medical attention telephone medical advice, evaluation and referral appointment
Included
Included
Included
11. Emergency telephone call charges
1,000
1,000
1,000
Travel information
Included
Included
Included
13. Luggage retrieval
Included
Included
Included
14. Emergency rerouting arrangements
Included
Included
Included
15. Administration assistance
Included
Included
Included
16. Legal assistance
Included
Included
Included


Remarks:
  1. The maximum indemnity under Personal Accident and Medical Expenses sections for the Insured Person aged above 70 will be limited to only 50% of the sum insured.
  2. 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.
  3. We will cover death or permanent disablement arising out of bodily injury and the necessary medical expenses incurred if you suffer from bodily injury or sickness whilst you are taking part in the capacity of an amateur 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, marathon, 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.
  4. The Double Indemnity benefit only applicable to Insured Persons who are aged between 18 and 70 at the time of an accident.
  5. For family plan, the maximum amount we will pay under Family Assistance Benefit is HK$20,000 for Plan A and HK$10,000 for Plan B.
  6. No benefit will be payable if the Insured Persons who are below 18 years of age.
  7. You can only claim one of these benefits under Section 2 – Hospital cash and quarantine allowance in respect of any losses arising from the same cause.
  8. Only applicable to Insured Persons who are aged below 70 for bodily Injury or sickness.
  9. You can only claim under either Section 3 or Section 4 in respect of any losses arising from the same cause.
  10. You can only claim under Section 3.1 – Travel Cancellation, Section 3.3 – Travel Postponement, Section 3.4 – Replacement of Traveller, Section 3.5 – Replacement of Employee or Section 3.6 – Insolvency of Licensed Travel Operator results from the same event, we will pay for the claim under one of the sections only.
  11. Only applicable to policyholder who is an incorporated or unincorporated company.
  12. Your Policy must be purchased before or within 7 days from the date You made Your initial payment or deposit for Your Trip. Otherwise, no claims under this Section will be accepted.
  13. You can only claim either Black Alert, Red Alert or Amber Alert, in respect of any losses arising from the same cause.
  14. You can only claim under either Section 4.1 – Travel Delay, Section 4.2 - Trip Rearrangement, Section 4.3 – Flight Diversion, Section 4.4 – Overbooked Flight or Section 4.5 – Missed travel connection, but not more than one, in respect of any losses arising from the same cause.
  15. You will become eligible for the MSIG Easy Lounge service once you register your flight at least 24 hours before the
  16. For family plan, this benefit is not applicable to the Insured Person(s) is(are) below 18 years of age.
  17. Not applicable to the Insured Persons who are below 18 years of age.
 


Important Notes:
  1. Age Limit: Up to 85 years of age.
  2. The children benefits of family plan are only applicable to any insured persons aged under 18. Child aged below 12 must be accompanied by at least one adult.
  3. The maximum period of each journey is 182 days, each trip should be commenced in Hong Kong and the application of this policy should be completed before your trip commence.
  4. We shall not be liable for any claims arising from manual work undertaken during your trips.
  5. Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.
  6. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
 
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.
 Travel Period Days
 Individual Plan
Asia Worldwide
Plan A
（HK$）
Plan B
（HK$）
Plan C
（HK$）
Plan A
（HK$）
Plan B
（HK$）
Plan C
（HK$）
1
236
180
143
247
189
149
2
257
196
155
269
205
162
3
296
218
170
327
241
187
4
327
234
180
382
272
210
5
354
261
201
413
304
235
6
384
290
222
448
339
259
7
411
308
237
479
360
277
8
486
363
278
584
436
334
9
518
382
292
622
459
351
10
549
393
300
659
472
360
11
579
404
309
695
485
371
12
600
415
317
720
498
381
13
622
426
325
747
512
390
14
643
435
333
772
522
400
15
696
464
354
861
574
439
16
718
479
366
888
593
453
17
740
491
374
916
608
463
18
763
499
382
944
618
472
19
784
511
390
970
632
483
20
806
522
398
998
647
493
21
826
534
408
1,022
661
505
22
1,051
674
514
1,132
726
553
23
1,078
688
524
1,161
741
565
24
1,105
701
535
1,190
755
576
25
1,131
715
545
1,218
770
587
26
1,167
727
556
1,256
783
598
27
1,200
741
566
1,293
798
609
28
1,237
753
574
1,331
811
618
29
1,368
826
629
1,466
889
674
30
1,406
840
640
1,506
900
686
31 - 182
days
Each additional
day HK$34
Each additional
day HK$28
Each additional
day HK$20
Each additional
day HK$37
Each additional
day HK$30
Each additional
day HK$22

 Travel Period Days
 Family Plan*
Asia Worldwide
Plan A
（HK$）
Plan B
（HK$）
Plan C
（HK$）
Plan A
（HK$）
Plan B
（HK$）
Plan C
（HK$）
1
591
451
357
619
472
373
2
643
490
388
673
513
405
3
740
545
425
818
603
468
4
818
585
451
955
680
525
5
885
653
503
1,033
760
588
6
960
725
555
1,120
848
648
7
1,028
770
593
1,198
900
693
8
1,215
908
695
1,460
1,090
835
9
1,295
955
730
1,555
1,148
878
10
1,373
983
750
1,648
1,180
900
11
1,448
1,010
773
1,738
1,213
928
12
1,500
1,038
793
1,800
1,245
953
13
1,555
1,065
813
1,868
1,280
975
14
1,608
1,088
833
1,930
1,305
1,000
15
1,740
1,160
885
2,153
1,435
1,098
16
1,795
1,198
915
2,220
1,483
1,133
17
1,805
1,228
935
2,290
1,520
1,158
18
1,908
1,248
955
2,360
1,545
1,180
19
1,960
1,278
975
2,425
1,580
1,208
20
2,015
1,305
955
2,495
1,618
1,233
21
2,065
1,335
1,020
2,555
1,653
1,263
22
2,628
1,685
1,285
2,830
1,815
1,383
23
2,695
1,720
1,310
2,903
1,853
1,413
24
2,763
1,753
1,338
2,975
1,888
1,440
25
2,828
1,788
1,363
3,045
1,925
1,468
26
2,918
1,818
1,390
3,140
1,958
1,495
27
3,000
1,853
1,415
3,233
1,995
1,523
28
3,093
1,883
1,435
3,330
2,028
1,545
29
3,420
2,065
1,573
3,665
2,213
1,685
30
3,515
2,100
1,600
3,765
2,250
1,715
31 - 182
days
Each additional
day HK$85
Each additional
day HK$70
Each additional
day HK$50
Each additional
day HK$93
Each additional
day HK$75
Each additional
day HK$55

 Optional Benefits
(Applicable to Plan A or B and 2 - 10 days only)
Individual Plan (HK$) Family Plan* (HK$)
Top-up sports equipment benefits
30
75
Top-up rental vehicle excess
60
(120 for 2 or more insured person)
120
Pet care
60 / 5 days
(for one pet per insured person)
60 / 5 days
(for one pet per insured person)
Cruise trip cover
50% of premium
50% of premium

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

Major Excess

Item(s)
 Excess for each and every claim (HK$)
Plan A Plan B Plan C
Extra benefit for the Outbound Travel Alert
Red Alert
50%
50%
50%
Amber Alert
75%
75%
75%
Cancellation of journey for any reasons
50%
Not applicable
Not applicable

Major Exclusions

  • 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
  • Any organized sports, any kind of race, motor rallies and competition, mountaineering or rock-climbing (necessitating the use of ropes or pitons), iceberg climbing, potholing, speed or endurance tests, any tour with bicycle riding as the main transportation during the insured journey, parachuting, skydiving, hang-gliding, 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, water motorcycling/ jet-skiing, jet-boating, speed-boating, dune driving, snow motorcycling, ski-jumping, ice hockey, the use of bob-sleighs or skeletons, the use of firearms, or other hazardous pursuits or occupations.
  • 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

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
  • Personal accident: Coverage up to HK$1,000,000, double indemnity for accidental death up to HK$2,000,000 and credit card protection up to HK$50,000.
  • Medical expenses: Coverage up to HK$2,000,000 for medical expenses incur overseas and follow-up treatment after returning to Hong Kong for 90 days.
  • Trip protection: Covers trip postponement, replacement of traveller or employee, insolvency of registered travel operator, and cancellation for any reason. Outbound Travel Alerts coverage extended to Amber level, compensation of Black Alert is up to HK$50,000.
  • Flight delay and trip rearrangement: HK$300 for every 5-hour flight delay (up to HK$3,000) and up to HK$13,000 for trip rearrangement. Coverage for flight diversion, overbooked flight, and missed travel connection is provided.
  • Amateur dangerous sports and activities: Includes marathon, hot-air ballooning, skiing, scuba diving, etc. with coverage of up to HK$250,000 for both personal accident and medical expenses.
  • Loss of or damage to mobile phone: Coverage up to HK$3,000 for mobile phone and up to HK$6,000 for laptop/tablet.
  • Rental vehicle coverage: Returning a rental vehicle covered up to HK$2,500, with increased rental car excess coverage up to HK$10,000.
  • MSIG Easy lounge service: Complimentary access for you and up to 5 companions during flight delays over 60 minutes at 1,700+ lounges worldwide.
  • Kidnap & hostage: Coverage of up to HK$15,000.
 
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.

Coverage
Maximum benefits payable per year (HK$)
Plan A
Plan B
Plan C
Section 1 – Personal accident11,2
Accidental death/permanent disablement
1,000,000
500,000
250,000
Extra benefits
1. Amateur dangerous sports and activities3
250,000
125,000
N/A
2. Double indemnity for personal accident4
2,000,000
1,000,000
N/A
3. Major burns
1,000,000
500,000
250,000
4. Funeral expenses due to accidental death
50,000
25,000
N/A
5. Child education grant
40,000
20,000
N/A
6. Family assistance benefit5
10,000
5,000
N/A
7. Credit card protection6
50,000
30,000
10,000
Section 2 – Medical expenses1,2
1. Follow-up medical treatment after returning to Hong Kong
• Follow-up for bodily injury
2,000,000
1,000,000
500,000
• Follow-up for sickness
200,000
100,000
50,000
   - Maximum no. of days
90
90
90
• Chinese medicine practitioner, physiotherapy or chiropractic treatment fees
4,000
3,000
3,000
   - Limit per visit per day
200
200
200
2. Hospital cash and quarantine allowance7
12,000
5,000
3,000
• Overseas hospital cash benefits
12,000
5,000
3,000
   - Limit per day
500
500
300
• Overseas hospital cash benefit/quarantine allowance due to COVID-19 extension
5,000
5,000
3,000
   - Limit per day
500
500
300
• Hospitalisation daily cash benefit in Hong Kong
5,000
2,500
1,500
   - Limit per day
500
500
300
3. Trauma counselling expenses
20,000
10,000
5,000
• Limit per visit per day
2,000
1,000
800
4. Mobility aid reimbursement
20,000
5,000
N/A
5. Maternity medical expenses overseas
15,000
7,500
N/A
Extra benefits
1. Amateur dangerous sports and activities3,8
250,000
125,000
N/A
• Maximum of day of extension of period of journey/span>
30
30
N/A
Section 3 – Trip cancellation and curtailment9
1. Trip cancellation10
50,000
25,000
3,500
2. Trip curtailment
50,000
25,000
3,500
3. Trip postponement10
7,500
3,750
N/A
4. Replacement of traveller10
5,000
2,500
N/A
5. Replacement of employee10,11
5,000
2,500
N/A
6. Insolvency of licensed travel operato10
10,000
5,000
N/A
7. Cancellation of journey for any reason12
25,000
N/A
N/A
Extra benefits
• Outbound Travel Alert13
   - Unused travel and accommodation deposit
500
500
300
      > Maximum limit under Black Outbound Travel Alert
50,000
25,000
3,500
      > Maximum limit under Red Outbound Travel Alert
25,000
12,250
1,750
      > Maximum limit under Amber Outbound Travel Alert
12,500
6,250
875
      > Maximum limit of administration charge billed by travel agent
300
300
300
   - Additional transport expenses for leaving the city you are staying for another city in order to return to Hong Kong
Included
Included
Included
   - Cash allowance for staying overnight waiting for returning to Hong Kong
1,000
1,000
1,000
Section 4 – Travel delay and trip rearrangement9
1. Travel delay14
3,000
2,000
500
• Limit per every 5 hours of delay
300
250
250
• Maximum limit for trips to or from China
500
500
500
2. Trip rearrangement14
• Unused transport and accommodation expenses or additional transport and/or accommodation expenses for return trip to Hong Kong
13,000
5,000
1,500
• Accommodation expenses
   - Maximum limit per day for accommodation
1,500
1,000
1,000
3. Flight diversion14
3,000
2,000
500
• Limit per every 5 hours of delay
300
250
250
4. Overbooked flight14
1,200
N/A
N/A
• Limit per every 5 hours of delay
300
N/A
N/A
5. Missed travel connection14
3,000
2,000
500
• Limit per every 5 hours of delay
300
250
250
6. MSIG Easy Lounge service15
Included
Included
Included
• Free access to designated airport lounge access
• Complimentary food and drink
• Free Wi-Fi access and device charging stations
7. Hijack
2,500
2,500
N/A
• Limit per day or part of a day
500
500
N/A
Extra benefits
• Automatic extension of cover
   - Maximum no. of days
14
14
14
Section 5 – Baggage and personal money
1. Baggage and personal effects
20,000
15,000
5,000
• Limit per article, pair or set of articles
5,000
3,000
3,000
• Limit of per mobile phone16
3,000
1,000
N/A
   - Maximum no. of device
1
1
N/A
• Limit of per laptop/tablet
6,000
2,000
N/A
   - Maximum no. of device
1
1
N/A
2. Delayed baggage for more than 6 hours
1,000
500
250
3. Loss of business documents or samples
2,500
2,500
2,500
• Limit per single article
1,000
1,000
1,000
4. Personal money, documents and additional accommodation expenses
30,000
10,000
1,000
• Cash or traveller's cheques
3,000
2,000
200
• Daily accommodation expenses
2,000
1,000
500
5. Unauthorised use of credit cards
3,000
2,000
N/A
Section 6 – Personal liability
1. Personal liability
2,500,000
2,500,000
2,500,000
Section 7 – Rental vehicle
1. Rental vehicle excess
10,000
5,000
2,000
2. Returning a rental vehicle
2,500
1,500
1,000
Section 8 – Golfer's hole-in-one17
1. Golfer's hole-in-one
5,000
3,000
N/A
Section 9 – Home contents
1. Loss of/damage to home contents due to burglary
30,000
10,000
N/A
Section 10 – Kidnap and hostage
1. Kidnap and hostage
15,000
10,000
N/A
• Limit per every 6 hours
500
500
N/A
Section 11 – Terrorism extension
1. Terrorism extension
Included
Included
Included
Optional cover
Maximum benefits payable per year (HK$)
Plan A
Plan B
Plan C
Top-up sports equipment benefits
1. Loss of or damage to personal baggage sub-limit for all sports equipment
Increased to 10,000
Increased to 8,000
N/A
2. Actual expense for rental of sports equipment due to check-in baggage delayed more than 6 hours
1,000
1,000
N/A
Top-up rental vehicle excess
1. Top-up rental vehicle excess
Increased to 15,000
Increased to 10,000
Increased to 7,000
Pet Care
1. Pet accommodation benefit
5,000
5,000
N/A
• Daily accommodation expenses
500
500
N/A
2. Trip cancellation and curtailment due to pet emergency
50,000
25,000
N/A
Cruise Trip Cover
1. Additional cancellation & curtailment & rearrangement
Additional 30,000
Additional 30,000
N/A
2. Shore excursion cancellation
• Irrecoverable and forfeited deposits
10,000
10,000
N/A
• Shore excursion cancellation allowance
10,000
10,000
N/A
   - Each excursion
2,000
2,000
N/A
3. Shore excursion curtailment
• Shore excursion curtailment allowance
5,000
5,000
N/A
   - Each excursion
500
500
N/A
4. Satellite phone fee
3,000
3,000
N/A
Worldwide travel emergency assistance services
Maximum benefits payable per year (HK$)
Plan A
Plan B
Plan C
1. Medical evacuation
Unlimited
Unlimited
Unlimited
• Limit due to pre-existing condition
50,000
50,000
N/A
2. Repatriation after treatment
Unlimited
Unlimited
Unlimited
• Limit due to pre-existing condition
50,000
50,000
N/A
3. Repatriation of mortal remains/ashes
Unlimited
Unlimited
Unlimited
• Limit due to pre-existing condition
50,000
50,000
N/A
4. Compassionate visit
50,000
40,000
20,000
• Travel expenses
One economy class round-trip ticket
One economy class round-trip ticket
One economy class round-trip ticket
   - Daily hotel accommodation expenses
1,500
1,000
1,000
   - Maximum no. of days
7
7
7
5. Return of unattended dependent children to country of residence
50,000
40,000
20,000
• Travel expenses
One economy class round-trip ticket
One economy class round-trip ticket
One economy class round-trip ticket
6. Deposit guarantee for hospital admission
40,000
40,000
40,000
7. Hotel room accommodation for convalescence
7,500
7,500
7,500
• Daily hotel accommodation expenses
1,500
1,500
1,500
8. Hospital Interpreter Services
4,000
4,000
N/A
• Daily interpreter service limit (maximum 3 hours)
800
800
N/A
9. Unexpected return to Hong Kong
One economy class round-trip ticket
One economy class round-trip ticket
One economy class round-trip ticket
10. Medical attention telephone medical advice, evaluation and referral appointment
Included
Included
Included
11. Emergency telephone call charges
1,000
1,000
1,000
Travel information
Included
Included
Included
13. Luggage retrieval
Included
Included
Included
14. Emergency rerouting arrangements
Included
Included
Included
15. Administration assistance
Included
Included
Included
16. Legal assistance
Included
Included
Included


Remarks:
  1. The maximum indemnity under Personal Accident and Medical Expenses sections for the Insured Person aged above 65 will be limited to only 50% of the sum insured.
  2. 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.
  3. We will cover death or permanent disablement arising out of bodily injury and the necessary medical expenses incurred if you suffer from bodily injury or sickness whilst you are taking part in the capacity of an amateur 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, marathon, 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.
  4. The Double Indemnity benefit only applicable to Insured Persons who are aged between 18 and 65 at the time of an accident.
  5. For family plan, the maximum amount we will pay under Family Assistance Benefit is HK$20,000 for Plan A and HK$10,000 for Plan B.
  6. No benefit will be payable if the Insured Persons who are below 18 years of age.
  7. You can only claim one of these benefits under Section 2 – Hospital cash and quarantine allowance in respect of any losses arising from the same cause.
  8. Only applicable to Insured Persons who are aged below 65 for bodily Injury or sickness.
  9. You can only claim under either Section 3 or Section 4 in respect of any losses arising from the same cause.
  10. You can only claim under Section 3.1 – Travel Cancellation, Section 3.3 – Travel Postponement, Section 3.4 – Replacement of Traveller, Section 3.5 – Replacement of Employee or Section 3.6 – Insolvency of Licensed Travel Operator results from the same event, we will pay for the claim under one of the sections only.
  11. Only applicable to policyholder who is an incorporated or unincorporated company.
  12. Your Policy must be purchased before or within 7 days from the date You made Your initial payment or deposit for Your Trip. Otherwise, no claims under this Section will be accepted.
  13. You can only claim either Black Alert, Red Alert or Amber Alert, in respect of any losses arising from the same cause.
  14. You can only claim under either Section 4.1 – Travel Delay, Section 4.2 - Trip Rearrangement, Section 4.3 – Flight Diversion, Section 4.4 – Overbooked Flight or Section 4.5 – Missed travel connection, but not more than one, in respect of any losses arising from the same cause.
  15. You will become eligible for the MSIG Easy Lounge service once you register your flight at least 24 hours before the
  16. For family plan, this benefit is not applicable to the Insured Person(s) is(are) below 18 years of age.
  17. Not applicable to the Insured Persons who are below 18 years of age.
 

Important Notes:
  1. Age Limit: Up to 75 years of age.
  2. The maximum period of each journey is 90 days. Number of trips per year is unlimited
  3. The children benefits of family plan are only applicable to any insured persons aged under 18. Child aged below 12 must be accompanied by at least one adult.
  4. Each trip should be a round-trip commencing from Hong Kong.
  5. We shall not be liable for any claims arising from manual work undertaken during your trips.
  6. Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.
  7. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
 
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
 Annual Premium (HK$)
Individual Plan - Worldwide Family Plan* - Worldwide
A
2,426
6,065
B
2,092
5,231
C
1,151
2,877

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

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.

Major Excess

Item(s)
 Excess for each and every claim (HK$)
Plan A Plan B Plan C
Extra benefit for the Outbound Travel Alert
Red Alert
50%
50%
50%
Amber Alert
75%
75%
75%
Cancellation of journey for any reasons
50%
Not applicable
Not applicable

Major Exclusions

  • 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
  • Any organized sports, any kind of race, motor rallies and competition, mountaineering or rock-climbing (necessitating the use of ropes or pitons), iceberg climbing, potholing, speed or endurance tests, any tour with bicycle riding as the main transportation during the insured journey, parachuting, skydiving, hang-gliding, 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, water motorcycling/ jet-skiing, jet-boating, speed-boating, dune driving, snow motorcycling, ski-jumping, ice hockey, the use of bob-sleighs or skeletons, the use of firearms, or other hazardous pursuits or occupations.
  • 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

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.
Overseas Study Insurance
  • Latest Promotion
  • Product Features
  • Benefits Table
  • Premium
  • Major Exclusions

Overseas Study Insurance

Apply online to enjoy discount offer:

Insurance Plan Apply with promo code "PCSTUDY20"#
Overseas Study Insurance 20% off


# When previewing the quotation for Overseas Study Insurance, eligible cardholder is required to input promode code in "Extra Offers" and then click "Update" to review the cardholder exclusive premium discount.

Remarks:

  1. Overseas Study Insurance is underwritten by MSIG Insurance (Hong Kong) Limited (“MSIG”). PrimeCredit Limited ("PCL") is an insurance agent of MSIG.
  2. The above offer cannot be used in conjunction with other promotions.

Offers are subject to terms and conditions, please click here for details.
  • Optional medical expenses of up to HK$1,000,000 covering both overseas inpatient or outpatient treatment and follow up medical treatment in Hong Kong (including Chinese medicine practitioners' fee)
  • Personal accident cover of up to HK$1,000,000 which covers death and permanent total disablement
  • Education fund1: covers up to HK$300,000 if the insured parent suffer bodily injury resulting in death or permanent disablement
  • Cancellation of study and study interruption: covers the unused pre-paid tuition fee, travel and accommodation deposits
  • School closure allowance of up to HK$5,000 if unexpected closure of school due to natural disaster or compulsory closed (e.g. due to infectious diseases) by local authority
  • Personal belongings protection covers the loss of or damage to baggage and personal belongings including mobile phone or tablet computer up to HK$20,000
  • Embrace adventures with amateur dangerous sports and activities coverage, including winter sports, horse riding, water skiing, scuba diving, etc.
  • Travel delay protection (including ancillary leisure trips2 during your study journey)
  • Worldwide emergency assistance services

This factsheet is only a summary of the coverage. For details of 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 table Maximum Benefits Payable Per Year (HK$)
Basic Plan Premier Plan
Section 1 - Personal accident 3 Accidental death/permanent total disablement
1,000,000
Major burns
500,000
Amateur dangerous sports and activities3
500,000
Section 2 - Medical expenses
Medical expenses at overseas
  • Maximum no. of visits for outpatient treatment
  • Follow up medical treatments in Hong Kong for a temporary visit
    • Maximum no. of days
    • Chinese medicine practitioners' fee
      • Limit per visit per day
Not applicable
1,000,000
25
100,000
90 days
3,000
200
Hospital cash (if hospitalised for more than 5 consecutive days)
  • Limit per day
5,000
500
Trauma counselling
  • Limit per visit per day
15,000
1,500
Amateur dangerous sports and activities3
500,000
Section 3 - Tuition expenses4
Education fund1
  • If bodily injury suffered by your parent resulting in death or permanent disablement within 12 months from the date of the accident
300,000
Cancellation of study
  • Unused pre-paid tuition fee and travel and accommodation deposits if your study is unavoidably cancelled before departure from Hong Kong due to named reasons
    • Limit under Black Outbound Travel Alert
    • Limit under Red Outbound Travel Alert
50,000

100%
50%
Study interruption
  • Unused pre-paid tuition fee or re-attend fee of the missing course if your study is interrupted due to death or serious injury or sickness of you or your family member
    • Limit of additional or unused travel and accommodation expenses if your study is abandoned and you return to Hong Kong permanently
200,000

20,000
School closure daily cash allowance
  • if your school is closed more than 3 consecutive days due to natural disaster or compulsory closure by local authority
    • Limit per day
5,000

500
Section 4 - Travel delay4
Cash benefit5
  • Limit per each 6 hours of delay
3,000
300
Additional transportation and/or accommodation expenses5
  • Limit per day
5,000
1,000
Section 5 - Personal belongings
Loss of or damage to your personal baggage or belongings
  • Limit per article, pair or set of articles
  • Limit of all sports equipment
  • Limit of all valuables6
  • Limit of all cameras, camcorders and audio/video equipment
  • Limit of all laptops
  • Limit of mobile phone or tablet computer6
    • Maximum no. of device
  • Excess: HK$200
20,000
3,000
5,000
5,000
5,000
10,000
2,000
1
Delayed baggage
1,500
Loss of travel documents
  • Limit per day of additional accommodation expenses
10,000
1,000
Personal money6
2,000
Section 6 - Personal liability
Pay for all sums which you become legally liable to pay as compensation
1,000,000
Section 7 - Alternative accommodation
If your overseas residence being rendered uninhabitable due to fire or natural disaster
  • Limit per day
10,000
500
Section 8 - Terrorism extension (applicable to the above Section 1 and 2 only)
Extends to cover you in respect of death or bodily injury (including necessary medical expenses incurred) which may be sustained through acts of terrorism
3,000,000
Emergency assistance services
24-hour assistance hotline
Included
Compassionate visit (if hospitalised for more than 5 consecutive days)
  • Limit per day of accommodation expenses
  • Maximum no. of day for accommodation
One economy class airfare
1,200
5
Unexpected return to Hong Kong (in the event of the death of your family member)
One economy class airfare
Emergency medical evacuation and repatriation after treatment
2,000,000
Deposit guarantee for hospital admission
40,000
Repatriation of mortal remains/ ashes
250,000
1 Only applicable if the insured student is aged 25 or below and unmarried when his/her parent suffers bodily injury. Not applicable if the insured student's parents are aged above 75 or his/her engagement as a worker or staff stated in major exclusion item 7.
2 All ancillary leisure trips, which are less than 30 days per trip and outside Hong Kong or Study Country/Region, taken by during the Study Journey are covered.
3 For the insured student who is aged below 18, the maximum payable is 50% of the limits of Personal Accident Section and Amateur Dangerous Sports and Activities Extension.
4 Only claim for either section 3 or section 4, in respect of any losses arising from the same cause.
5 Either travel delay cash benefit or additional transport and/or accommodation expenses is payable.
6 Not applicable to the insured student who is aged below 18.

Important Notes:

  1. The insured student must be aged between 6 and 50 and not a passport holder of the study country/region.
  2. The applicant and insured student must be Hong Kong resident and at the time of application the insured student has not yet left Hong Kong for the study journey meant to be covered.
  3. The study journey should be originating from Hong Kong.
  4. MSIG reserves the right to request proof of study upon claims.


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.

Premium table Basic Plan Premier Plan
(with an Excess of HK$20,000 for each hospitalisation claim)		 Premier Plan
Annual premium (HK$) 3,000 4,527 5,030

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 1 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 circumstances or medical conditions giving rise to a claim under this policy known to have existed at the time of application or at the date of arranging the study journey
  • Any sport in a professional capacity or could earn income or remuneration from engaging in such sport
  • Suicide, intentional self-inflicted injury, insanity, mental or nervous disorders, sleep disorder, psychiatric disorder
  • Influence of drugs or alcohol
  • HIV and/or any HIV related illness including AIDS
  • Flying activities other than as a fare-paying passenger with a licensed and scheduled routes carrier
  • Engagement as a worker or staff in any form of manual employment or occupation, hazardous work or occupation, or listed under general exclusion of the policy
  • Fighting (except in bona fide self defence), provoked assault, resistance to arrest
  • Unlawful acts
  • Consequential loss of any kind
  • Any misrepresentation or omission to inform us of any material information
  • Delay, confiscation, detention, nationalisation, requisition or destruction of or damage to property
  • Pressure waves from aircraft and other airborne devices travelling at sonic or supersonic speeds
  • War and terrorism (Except for terrorism extension cover)
  • Radioactive contamination, chemical, biological, biochemical and electromagnetic weapons

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.

PrimeCredit Limited is an insurance agent appointed by MSIG Insurance (Hong Kong) Limited (MSIG)
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